Millennials on their way to early retirement share the formulas they're using to get there — and how they're dealing with curveballs like layoffs and rising expenses

Andre Nader is the founder of FAANG FIRE.

Courtesy of Andre Nader

• Business Insider has spoken with dozens of couples and individuals chasing financial independence.
• They're not all after a life of permanent leisure; instead, they want freedom.
• Four people shared what financial freedom means to them, and how they're planning to get there.

So, you want to retire early? But what does that actually mean, and how do you get there?

After talking to dozens...