Most people believe retirement and early retirement is about money alone. This article explores why time, energy, and freedom are the true currencies of early retirement. How a human-centered, holistic approach helps families live more fully while still planning wisely for the future.

A clear, spiritually wealth aligned summary that appears on your blog feed and social previews.

Most families work years longer than necessary because taxes, account types, and early-withdrawal rules are misunderstood. This guide reveals how federal tax brackets, long-term capital gains thresholds, and the right accounts can open the path to retiring earlier; with more clarity, less stress, and deeper peace.

A conscious, tax-smart approach to financial planning for modern families in NC, AZ, and virtually. Discover how spiritual alignment, early-retirement strategy, and flat-fee fiduciary guidance help you retire earlier, wealthier, and happier. With clarity, conscious alignment and peace. 11/19/2025 David Lundberg MBA MSCJ Financial Planner and Founder