These days, his net worth is north of $1 million, and he offers financial advice to would-be early retirees in his newsletter, Millionaire Habits. "There is no way you're going to improve your spending without knowing where your money is going to begin with," he says. They don't want to know how much they're spending," Adcock says. "Sometimes it's like, 'Holy s---, I'm spending $500 a month at Subway.'" One shorthand many early retirees rely on — their "FIRE number" — multiplies the annual income they hope to live on in retirement by 25.

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Persons: Steve Adcock doesn't, Adcock, —, he'd, you've, It's Organizations: FIRE, ESPN, CNBC