You might think of early retirement as something reserved for the lucky few, but the truth is, it’s open to almost anyone — as long as you follow the five steps listed below. Starting as soon as possible is key, so if you’re serious about retiring early, make sure you’re giving yourself the best possible shot.Total up your estimated annual expenses in retirement and multiply it by the number of years of your retirement, adding 3% annually for inflation. You can do this on your own, but a retirement calculator makes it much easier. It can also calculate your annual investment rate of return. Use 5% or 6% to be conservative, though your money may grow more quickly than this. Finally, subtract from your total estimated retirement costs any money you expect from Social Security, a 401(k) match, or a pension to estimate how much you should save per month, and overall, to hit your goal.