<prompt> Human: I am 20 years old making 35k a year with a 3-5 increase each year because of our union contract. My SO will be making about 33k starting the end of the year. We currently live with family and in about 3-4 years we will be receiving her parents house completely paid off as they want to downsize. I currently match my companies 401k match at 6 1:1 for first 4, .50:1 for the next 2 I currently only pay 250 a month for a car payment and 120 for car insurance and about 150 a month for gas, with my SO bills being 140 for insurance and 150 for gas. Combined we have 40k saved up. What steps can we do so early retirement can be achievableretiring between 45-55.  <response>: rfinancialindependenceIn a nutshell:1. Pay off your car2. Max out 401k contributions 18kyear each3. Max out traditional IRA 5500year each4. Max out HSA if available 3350yearAim to save about half your gross income in tax advantaged accounts and youre in good shape. 