A millennial couple invested in a $143,000 vacation home in Bali. It's become the crux of their early retirement strategy.

Rory Jones

• Rory and Casey Jones built a villa in Bali for 2.287 billion Indonesian rupiah, or about $143,000.
• They wanted to invest in a tangible asset that would earn income and double as a retirement home.
• Prior to this, they had never traveled to Indonesia before.

For Rory Jones and his wife Casey, building a house in Bali seemed like a good idea — even though they had never been to Indonesia.

The couple...