ADMIT it. If you could just have things your way, you'd rather spend Mondays relaxing than reporting for work. Trust me, I know how that feels. Now before you feel bad about wanting to give yourself a break from your hectic work schedule, let me tell you that you're not the only millennial who feels that way.

Just think about that! Wouldn't it be nice to retire long before you reach retirement age? Yes, wouldn't it be wonderful to enjoy retirement even before you turn 40? Granted, Livingston's circumstances may be different from yours in many ways. But, and here's the thing, the formula she used toward achieving Financial Independence and Retiring Early (a process known as FIRE) is something that you definitely can benefit from, regardless of your present income level.