FOR many, retiring early and travelling the world is a fantasy - but for 40-year-old Katie Donegan and her husband Alan, 45, it’s their reality. The couple retired when Katie, from Uxbridge, was just 35 after they achieved financial independence by building up a £2million investment portfolio. "We’re worth £2 million and both retired but we don’t own anything that requires a key," Katie told The Sun .

"So that means no house and no car ." Now, they spend their time travelling the world and teaching others to achieve their financial goals. Katie’s journey from a childhood in Uxbridge to being a retired, globetrotting millionaire at 40 is an inspiring one.

"Growing up there wasn’t a lot of money for luxuries. Read more in Money "We didn’t have many meals out or pricey holidays and I went to the local comprehensive." "But I always loved saving money.

Nothing made me happier than seeing my piggy bank fill up." "I met Alan on a volunteering project in Costa Rica in 2005. "Funny and clever he had a great energy and shared my belief that it’s better to save up for something you really want.

" Most read in Money Starting saving Back in the UK, after graduating from university, Katie moved in with Alan and his mum. "We wanted to save for our own place," she said. "I was earning £28,500 as an actuary and Alan was self-employed, teaching presentation skills to other businesses .

"We could have afforded to splash out but chose to be super frugal. "Instead of meals out and.