Book: You Can Retire Sooner Than You Think: The 5 Money Secrets of the Happiest Retirees

The process starts with asking hard questions about your vision of a life without work. Will you travel? Stay at home? Volunteer? Keep working? How much will that life cost you?

Four of the five secrets to a happy retirement have to do with money, but the other one, the one about being happy, is what Moss always comes back to. Retirement gives you freedom, he says. 

Being able to fund the kind of retirement you desire gives you even more freedom. And freedom is what we all want.

Here are his five best practices for a happy retirement.

Determine what you want to spend your money on.

Figure out how much you need to save.

Create a plan to pay off your mortgage.

Develop an income stream from multiple sources.

Become an income investor.