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Ditching the 9-to-5 before your hair turns gray takes more than wishful thinking.

Early retirement has become the holy grail of financial planning, especially as work-life balance conversations dominate water cooler talk. But here’s the thing: pulling off an early exit from the workforce requires more than wishful thinking and a healthy 401(k) balance. The reality, as outlined by New York Life and echoed by financial planners, is that retiring in your 40s or 50s demands a…