People always say to us, “You’re so lucky!” when they hear we’re off on our next travel adventure, “did you win the lottery?” But luck has nothing to do with it - we planned our early retirement and worked hard for it although we were late starters in the wealth generation game. We didn’t buy a house till we were in our 30s, didn’t start saving till our 40s, yet we retired in our 50s to spend more time travelling. How did we do it?