Do you have your heart set on retiring early? If so, the secret is hiding in plain sight.

Live well below your means, both while you're working and while you're retired. Maintain a simple, low-cost, diversified investment portfolio with ample exposure to stocks. Find an employer who offers a strong company retirement plan or pension, as well as in-retirement health care coverage. Take advantage of company retirement plans and IRAs. Find a partner who shares your values. And if you're lucky, you'll also encounter a few breaks along the way.