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This article really goes in depth on many areas effecting early retirees but one area I think could possibly be added is to learn self-sufficent skills. I personally think anyone retiring without a huge retirement fund should learn how to repair and/or build a home, fix their cars, grow their own food, start a business, etc. These skills have come in handy for my early retirement and saved me a nice bit of money. Since your probably going to have much more time during retirement you can spend some of it upgrading or learning some very practical and money saving skills.