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Mai-lan Phan and her husband Ryan Wagoner achieved financial independence but chose not to retire early.
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They amassed over $4 million by living modestly, investing wisely, and avoiding lifestyle creep.
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Despite their wealth, they prioritize intentional spending, future planning, and financial education.
Mai-lan Phan, 37, and her husband, Ryan Wagoner, 36, reached financial independence, but neither wants to fully retire early.
They reached a total net worth of $4.1 million, including their two homes, from working high-paying jobs, cutting back on spending for most expenses, and avoiding lifestyle creep. Phan left dentistry full-time after experiencing nerve pain and having her son, working part-time while Wagoner works full-time. They live modestly and save for their family’s future, though they still go on vacations and to Seahawks…
