Debbie and Chris Emick retired at 40 with $540,000, achieving financial independence through rental properties. After Debbie’s autoimmune disease diagnosis, they realized the importance of enjoying their time. They saved 50-60% of Chris’s $110,000 salary, investing heavily in real estate (19 units from 2016-2019). Their property portfolio is now worth $1.1 million, with tenants paying mortgages through rent. They live off $4,000-$6,000 monthly rental income, allowing for a $10,000 travel budget. Their story exemplifies the FIRE movement (Financial Independence, Retire Early), emphasizing extreme savings and investments for a retirement far earlier than the average person.