A millennial hit financial independence in 3 years using 2 levers and one simple formula

"The biggest factor by far, bar none, is the gap between your income and your expenses," says Cody Berman, who hit financial independence at age 25.

Source: [Business Insider](https://www.businessinsider.com/millennial-financial-independence-fire-movement-investing-saving-early-retirement-2026-6)