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Doing that will take a combination of aggressive retirement savings and frugal living.

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Unfortunately, some middle income earners have a hard time with the frugal living part.

Here are four purchases that often keep middle class Americans fromretiring early.

A big down payment means less cash for your retirement fund.

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That compares to an average of $32,065 for a used car a difference of more than $17,000.

That kind of cost difference can greatly hinder your plans to retire early on a middle-class salary.

Excessive Subscriptions

A blog on theNew Trader Uwebsite refers to subscription overload as the silent budget killer.

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But many parents still do it.

In some cases, middle class parents send their kids to private elementary/secondary schools and high schools.

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