Annie Cole invests around $45,000 every year.Courtesy of Annie ColeAnnie Cole left her VP role to focus on family and launch a financial coaching business.Cole transitioned from a $26,000 salary to planning to retire at 45 through four phases.Her strategy includes mindset shifts, providing value, investing, and diversifying income sources.This as-told-to essay is based on a conversation with Annie Cole, the 35-year-old founder of Money Essentials for Women in Vancouver, Washington.