The ‘difference between being frugal and cheap’: 3 things an early retiree refuses to spend money on

Steve Adcock retired from his corporate job in 2016 at age 35 having saved about $900,000. Soon after, with the help of an upward-trending stock market, he and his wife pushed their net worth over the $1 million mark.

These days, Adcock publishes his Millionaire Habits newsletter as part of an effort to lead people to financial independence and early retirement the way he got there: by succeeding professionally, investing wisely and living frugally.