Most people don’t expect to retire until well into their 60s, maybe even their 70s, but not 38-year-old Chris Reining.

Reining, a resident of Madison, Wis., who worked in information systems after studying finance and computers in college, realized in his 20s that the daily grind of working 9 a.m. to 5 p.m. wasn’t for him. He came from a modest upbringing with two older sisters, a father who worked and a mother who stayed at home, and when he started earning money, he bought nice things, like a BMW, a condo downtown and gourmet food from Wh…
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