A Reddit user at 33 has enough wealth from inheritance to retire but hesitates due to psychological concerns. He fears losing purpose and identity, as he's unsure what life would be like without work. Financially, a safe withdrawal rate supports his expenses, which he expects to rise. However, internal struggles about deserving retirement, explaining it to others, and leaving his career behind weigh heavily on his decision. Ultimately, the article emphasizes that financial freedom doesn't guarantee happiness or fulfillment after retirement.
A young Reddit poster is in a good financial position to retire. Heâs 33, single, has no kids, and has plenty of resources to stop working and support himself.
The issues holding him back are psychological, not financial. Specifically: he feels undeserving of early retirement due to having inherited much of his wealth.
He doesn't know how to explain early retirement to others in his life since most people don't know he's financially independent.
Concerns about early retirement exist despite financial readiness. The lack of a structure and purpose post-retirement worries him greatly.
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