Welcome to another episode of 20/20 Money! Today will be another solo episode and we'll be talking about the basic four levers that you can pull when it comes to "retirement" or, as I like to call it, financial independence.

Now, if you're listening and far away from retirement, I'd still encourage and ask you to stick around for the show, because (a) it's not a long episode and (b) there are variables that I'm going to talk about that you can act on TODAY that will have significant implications on your ability to achieve financial independence decades down the road in your life.

The Impact of a 1% fee

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