Shelly October (left), Gabriela Ariza (middle), and Oz Chen (right) are all set to achieve financial independence in the next few years but don't want to retire early.Shelly October, Gabriela Ariza, Oz ChenMillennials in the FIRE movement are emphasizing financial independence over traditional early retirement.Many say they want to retire from their 9-to-5 jobs but continue working in lower-stress positions.5 millennials on track to reach financial independence share why they're not set on retiring early.Shelly October, 41, thinks she'll have the financial means to retire early by her mid-50s.