The holy grail of retirement early or at the regular time is passive income. The most true form of passive income is social security. Except for one problem. Passive income is not really passive.
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1. You have to front load your effort
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If you want to invest in stocks you need cash to make those investments and you will most likely need to earn that cash by trading time for money.
That front loading of effort can often be all consuming. Instead of working a regular 40 hour work week you may need to ignore all other obligations in order to make your new venture work. This can be hard to do with a spouse and a family.
