Steve Adcock and his wife Courtney, from the United States, managed to save up to 70 percent of their profits and retired in advance, achieving the long -awaited financial freedom with only 35 years.

"When I was just over 30 years old, I realized that I couldn't spend the rest of my life sitting in front of a computer, working 10 to 12 hours a day," Steve told the 'CNBC' television network.

Adcock has a blog in which he tells how they and his wife did to leave full -time work and devote themselves to what they call "a life of trips and adventures".

According to the specialized media ‘Business Insider’, both managed to save 70 percent of their income, with a main equity of 870 thousand dollars that, five years later, multiplied to 1.2 million heritage dollars.

The couple comments that to achieve their feat he had to calculate how much he was going to spend when he retired.They followed the 4 percent rule, a financial theory that consists of spending only 4 percent of the salary and savings to live and save the remaining 96 percent.

This, at the outset, implies an almost total limitation of everyday expenses.All types of budget investment must be ‘coldly calculated’ in order to bring a strong discipline for many years.

The expenses they make undergo an argument and seek to buy only the indispensable.Although the couple does not necessarily lead a bad life: they pay a good medical insurance and use streaming applications such as Netflix, Discovery Plus, Amazon Prime and Kindle Unlimited for their leisure times.

Know some of the advice that Steve gives in his blog about how to save to obtain financial independence.

Measuring ADCOCK expenses advises to take into account each expense that is made, however small.For that, it is important to check the income and expenses month and expenses and take into account the invoices to know what is most consumed.

"Control your lifestyle changes.Be honest with yourself about how your money spends.Inspect your bank and credit card extracts and understand each expense, ”explains Steve on your website.

Secondary income in his blog, ADCOCK says that it is not possible.

This expert ensures that it is not necessary to have a great salary to achieve the goal, although it will take longer.

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"Alright.This is a process, not a career, ”he adds.

Emergency Fund Steve says that it is necessary to save to create an emergency fund of at least six months that allows you to withstand financial emergencies, investment losses or unexpected expenses.

Therefore, he says, this fund must be created before investing and spending on non -essential things.You can start with a small savings that solvent that base of ‘Plan B '.

Keep in mind that this money must be different from the one provided for the usual expenses.

Invest Adcock describes all this as a process: a step by step that for many can become difficult since ‘every day brings its eagerness’, particularly economic and financial level.

Once the previous points are achieved, says the expert, it is time to start investing in assets such as shares, root farm or growing businesses.

"Investing in the long term is the way in which most people accumulate sufficient wealth to achieve financial freedom," he describes in his blog.

There is always a risk margin when making an investment.It is important to take it into account to think well any financial movement.

Automate the processes The next step described by Steve is to automate savings, invoices and investment payments.

"Eliminate the discipline of the equation by configuring automatic transfers to finance your investments," he explains.

He also advises this method to avoid charges by blackberry or more interests, which allows you to save more money and improve credit history.

Having enough there are indispensable things to live, such as food or a house, which cannot be evaded, says Adcock, “but there is a point, often evasive, in which to accumulate more things no longer contributes to our state of happiness".

The expert explains that it is necessary to know that point when an expense goes from being indispensable to unnecessary.

Along the same line, he advises to spend on experiences and not on material things, since the latter "lose value over time".However, "experiences usually remain in our mind," he concludes.