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Self-made millionaire who retired early: ‘Do these 5 things now or you’ll regret it later in life’

By | Steve Adcock |

In 2016, at 35 years old, I retired early with a net worth of $900,000. It wasn’t until 2021 that I achieved my goal of becoming a self-made millionaire, with a net worth of $1.4 million.

Now, at 41, I live a happy, simple and frugal life with my wife in Arizona. From the outside, it might look like I made all the right decisions. But there were some life and money lessons I had to learn the hard way.

If I could start all over again, there are several things I’d have done differently — and sooner. My best advice? Do these five things now or regret it later in life:

1. Say “yes” more than you say “no.”

Illustration: Ash Lamb for CNBC Make It

In my early 20s, I was so afraid of failure that instead of addressing what scared me, I hid behind my potential.

What I didn’t realize until later was that my constant avoidance of risk was a lot more harmful than any kind of rejection I thought I was protecting myself from.

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