Early Retirement

3 types of income (which most of us aren't aware):

1. earning income - from our monthly salaries
2. portfolio (active) income - from our investment portfolios (e.g. stock, gold)
3. passive income - normally from real estates investment

we could retire if and only if we manage to keep our 2nd and 3rd incomes stable - it's okay tho to go slowly from the first to the third step..but, the important thing to plan your future..

p/s: learning from my friend Fadzli (PHD candidate in Statistics)