In order to retire early, our intention is to find a high-paying job where we can work hard. Working hard for hours on end can be constraining. Most working individuals feel that they do not own their time because they need to report on the job 8 hours every single day, sometimes even longer.

Peer-to-peer lending, or most-commonly known as P2P lending, is a financing method that matches individuals and businesses who need to borrow money with others who want to invest their money without the need for any financial institution as an intermediary at an agreed fixed interest rate.

As an investor, if you have cash that you wish to invest you have a number of options, including savings accounts, bonds or riskier investments like stock markets or complicated derivatives.