I retired at 34 with $3 million—here are 5 downsides of early retirement that no one tells you 4495155490381757243-blid-4101191696860778833

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I grew up in a middle-income household. I worked hard to earn good grades and pay for college. I was the first one in the office and the last to leave. Sure, I got lucky by landing a high-paying investment banking job and in some of my investments, but I live a frugal life and have always been diligent about staying on top of my finances.