You Don’t Need to Wait Until 65 Most people are conditioned to believe retirement only begins at 65, after decades of work and total dependence on government pensions. That model is outdated. Early retirement is not a fantasy. It is a financial strategy. You may wonder, why am I saying all this? It's simple, because my friend did this and it works! Assuming you start around age 30, you can realistically build your own income stream within 15 years, enough to live comfortably in a low-cost country like Thailand without waiting for politicians or pension systems. The method is simple, disciplined, and repeatable. The Core Idea: Build Your Own Monthly Income Instead of saving blindly, you build a dividend income engine. Invest at least USD 800 per month Spread across 12 di