#early-retirement
#early-retirement

US politics

Why Dave Ramsey Might Be Wrong About Social Security Timing in 2025

Retirement

The Top 5 Reasons to Claim Social Security at 62

Ready to Retire Early? Ask Yourself This Before Taking Social Security Benefits

Claiming Social Security early results in permanent benefit reductions that can jeopardize financial stability in later years.

6 days ago

Retirement

They Say To Take Social Security at 62 But Is That The Best Advice?

US politics

Why Dave Ramsey Might Be Wrong About Social Security Timing in 2025

Retirement

The Top 5 Reasons to Claim Social Security at 62

Ready to Retire Early? Ask Yourself This Before Taking Social Security Benefits

Claiming Social Security early results in permanent benefit reductions that can jeopardize financial stability in later years.

more#social-security

#financial-independence

1 week ago

Relationships

We retired at 35 and 40. To stay happy, we had to learn how to argue about spending.

4 weeks ago

Retirement

My goal is to retire in four years without touching retirement accounts until 62 - does my retirement plan work?

Retirement

How I Went from a $100K Goal to a $1.9 Million Net Worth by Age 36 - Is Early Retirement Realistic?

I've run a financial independence podcast for 9 years. Here are 4 mistakes I see early retirees make all the time.

Poor planning for post-retirement life can lead to dissatisfaction for early retirees.

Retirement

If You've Banked $1 Million By 45, Is It Possible to Retire?

Why I Refuse to Work Until 70 - A Call for Early Retirement and Financial Freedom

Retiring early is possible through frugality and aggressive investing, despite societal skepticism.

1 week ago

Relationships

We retired at 35 and 40. To stay happy, we had to learn how to argue about spending.

4 weeks ago

Retirement

My goal is to retire in four years without touching retirement accounts until 62 - does my retirement plan work?

Retirement

How I Went from a $100K Goal to a $1.9 Million Net Worth by Age 36 - Is Early Retirement Realistic?

I've run a financial independence podcast for 9 years. Here are 4 mistakes I see early retirees make all the time.

Poor planning for post-retirement life can lead to dissatisfaction for early retirees.

Retirement

If You've Banked $1 Million By 45, Is It Possible to Retire?

more#financial-independence

Why I Refuse to Work Until 70 - A Call for Early Retirement and Financial Freedom

Retiring early is possible through frugality and aggressive investing, despite societal skepticism.

1 week ago

With a newborn and a nanny, we barely have time for family - can we afford to dial down while still growing our nest egg?

Spending hours at work while having a newborn at home, even with nanny support, can be challenging. Many new parents may choose to focus on family instead.

Retirement

#fire-movement

Retirement

I hated my Big Law career, but stayed so I could achieve FIRE in 7 years. It came at the expense of my joy, but I have no regrets.

Retirement

We're financially ready to retire, but are parents really spending $25k per year extra during college?

Retirement

I Retired Early at 35 with $1.2 Million - Is It Sustainable at $3,000 per Month?

Retirement

I Retired Early but Returned for a $450K Payday-Here's Why

We spend $240k annually but plan to cut that in half - can we retire comfortably with most of our net worth in rental property?

The FIRE movement encourages early retirement, but practical budgeting and community advice are crucial for success.

How I Plan to Allocate $250,000 for My Early Retirement at 40 - Seeking Your Advice

Lean FIRE is achievable through early saving and investing, focusing on a modest lifestyle.

Retirement

I hated my Big Law career, but stayed so I could achieve FIRE in 7 years. It came at the expense of my joy, but I have no regrets.

Retirement

We're financially ready to retire, but are parents really spending $25k per year extra during college?

I Retired Early at 35 with $1.2 Million - Is It Sustainable at $3,000 per Month?

Achieving financial independence requires a specific savings goal, especially for early retirement.

Individuals must assess their financial readiness and ongoing expenses before deciding to retire early.

Retirement

I Retired Early but Returned for a $450K Payday-Here's Why

Retirement

We spend $240k annually but plan to cut that in half - can we retire comfortably with most of our net worth in rental property?

Retirement

How I Plan to Allocate $250,000 for My Early Retirement at 40 - Seeking Your Advice

Retirement

American Retirees Face Unexpected Emotional Challenges: Tech Founder Reveals Key Lessons

Retirement

Is 37 Too Young to Retire Early? My Net Worth Is Above My FI Number and I'm Seeking Advice

I Just Retired Early at Age 56 - Am I Making a Mistake?

Early retirement can bring unexpected feelings of uncertainty and the need for purpose.

Retirement

Is $5 Million Really 'No Man's Land' for Retirement? My Thoughts on Polarizing Opinions

I Quit My Job 13 Years Ago - Why Do People Keep Pushing Me To Make Money From My Hobbies?

Early retirees face pressure to monetize hobbies, but it's essential to prioritize personal values over societal expectations.

I hit my retirement goal, quit my job, and loved it - but I'm choosing to go back to work for $450K/year

A retired Redditor is returning to work for a $450K salary, prioritizing financial goals despite enjoying early retirement.

Retirement

American Retirees Face Unexpected Emotional Challenges: Tech Founder Reveals Key Lessons

Is 37 Too Young to Retire Early? My Net Worth Is Above My FI Number and I'm Seeking Advice

Planning for how to fill your days after retiring is essential, especially when considering an early retirement.

I Just Retired Early at Age 56 - Am I Making a Mistake?

Early retirement can bring unexpected feelings of uncertainty and the need for purpose.

Is $5 Million Really 'No Man's Land' for Retirement? My Thoughts on Polarizing Opinions

The sufficiency of $5 million for retirement is debated, considering personal circumstances and lifestyle preferences.

I Quit My Job 13 Years Ago - Why Do People Keep Pushing Me To Make Money From My Hobbies?

Early retirees face pressure to monetize hobbies, but it's essential to prioritize personal values over societal expectations.

Retirement

I hit my retirement goal, quit my job, and loved it - but I'm choosing to go back to work for $450K/year

Retirement

I retired today with $3 million invested and rental income - but why am I nervous about my financial future?

Retirement

We thought we'd planned for a successful early retirement - but we're picking up side hustles just a few years in

Retirement

Pairing a $2M 401(k) With $120K Pension-Is Retirement Within Reach?

Retirement

Is $3 million in my 30s enough to consider stepping away from the grind - or am I missing out on more?

Am I ready to retire in Thailand with $1.3 million - My financial plan's sustainability questioned

A $1.3 million portfolio can support a lean FIRE lifestyle in a low-cost country with careful financial management.

With only $400k stashed away for retirement, can we afford to lose my wife's 401(k) contributions?

Halting 401(k) contributions could jeopardize early retirement plans.

Retirement

I retired today with $3 million invested and rental income - but why am I nervous about my financial future?

We thought we'd planned for a successful early retirement - but we're picking up side hustles just a few years in

Early retirement can still pose financial challenges despite good planning and savings.

Unexpected expenses and lifestyle changes can impact retirement budgets significantly.

Pairing a $2M 401(k) With $120K Pension-Is Retirement Within Reach?

Pensions ease retirement financially, but sufficient savings is essential for a comfortable life.

Retiring early involves risks; planning and saving are crucial to ensure financial security.

Is $3 million in my 30s enough to consider stepping away from the grind - or am I missing out on more?

A Reddit user in his 30s with $3 million must carefully plan his retirement and spending.

Retirement

Am I ready to retire in Thailand with $1.3 million - My financial plan's sustainability questioned

Retirement

With only $400k stashed away for retirement, can we afford to lose my wife's 401(k) contributions?

more#retirement-planning

We Retired in Our 30s with Millions and Now My Wife Wants a Divorce

Wealth doesn't ensure marital happiness; unexpected life changes can challenge even the most secure situations.

How I'm Balancing My $5 Million Net Worth and Family Time Before My Wife's Retirement

The FIRE philosophy advocates for early retirement, balancing financial goals and family life presents challenges.

Retirement

How I Achieved Financial Independence at 46 with $4 Million - My Journey to a Frugal Retirement

I'm in my 30s with $1.3 million - Should I quit my job now or keep grinding for a few more years?

Financial independence and early retirement hinge on achieving a personal target net worth, which varies widely among individuals.

Retirement

Our combined income is $700k a year, but the work hours are relentless - is a sabbatical the answer?

Retirement

We want to retire in 2-4 years and spend $150K a year - can we afford a $1.5 million house in a pricey housing market?

Retirement

My wife and I have dreams of retiring in 10-15 years - how do you factor in fluctuating income when planning for early retirement?

How I'm Balancing My $5 Million Net Worth and Family Time Before My Wife's Retirement

The FIRE philosophy advocates for early retirement, balancing financial goals and family life presents challenges.

Retirement

How I Achieved Financial Independence at 46 with $4 Million - My Journey to a Frugal Retirement

I'm in my 30s with $1.3 million - Should I quit my job now or keep grinding for a few more years?

Financial independence and early retirement hinge on achieving a personal target net worth, which varies widely among individuals.

Retirement

Our combined income is $700k a year, but the work hours are relentless - is a sabbatical the answer?

Retirement

We want to retire in 2-4 years and spend $150K a year - can we afford a $1.5 million house in a pricey housing market?

Retirement

My wife and I have dreams of retiring in 10-15 years - how do you factor in fluctuating income when planning for early retirement?

I've achieved financial freedom but am considering a demanding new role - will I resent losing my flexibility in five years?

FatFIRE targets significant savings for enjoying early retirement with family while pursuing personal passions.

Retirement

We set aside $2 million in a few short years - do we double down to reach $10 million, or live life now?

I've achieved financial freedom but am considering a demanding new role - will I resent losing my flexibility in five years?

FatFIRE targets significant savings for enjoying early retirement with family while pursuing personal passions.

We set aside $2 million in a few short years - do we double down to reach $10 million, or live life now?

Deciding how much you need versus how much you want is crucial in pursuing a fatFIRE lifestyle.

Retirement

Should I Borrow Against My $4 Million Stock Portfolio to Fund My Sons' College Expenses?

Retirement

$5 Million at 50-Something: Rich Enough to Retire, or Just Scared?"

Retirement

Is It Possible to Retire By 40 If You've Banked $2 Million?

Retirement

Is It Possible to Retire By 35 If You've Banked $1 Million?

Retirement

I saved $2 million, sold everything, and retired at 49. Now, I travel full-time and have already visited over 40 countries.

Retirement

How I'm Navigating the Awkwardness of Telling Friends I'm Retiring Soon - Here's My Dilemma

Retirement

Should I Borrow Against My $4 Million Stock Portfolio to Fund My Sons' College Expenses?

$5 Million at 50-Something: Rich Enough to Retire, or Just Scared?"

Many Americans dream of early retirement, but its feasibility is declining; for those with sufficient savings, it is possible, yet comes with challenges.

Is It Possible to Retire By 40 If You've Banked $2 Million?

A $2 million nest egg by age 40 can allow for early retirement if managed wisely.

Retirement

Is It Possible to Retire By 35 If You've Banked $1 Million?

Retirement

I saved $2 million, sold everything, and retired at 49. Now, I travel full-time and have already visited over 40 countries.

How I'm Navigating the Awkwardness of Telling Friends I'm Retiring Soon - Here's My Dilemma

Navigating different financial positions can impact relationships, particularly when one plans to retire early.

more#financial-planning

I was a middle manager for 30 years, and I still think companies are right to eliminate those roles. Here's why.

I intentionally stayed in the middle management bracket, where I was paid well and typically worked 40 to 45 hours most weeks. This meant I had enough time to build a real-estate side business.

Women in technology

My Husband Claims He Wants to Retire Early But He's a Big Spender

Her husband expresses a desire for early retirement but also wants to spend lavishly on items like an expensive Mercedes, causing a rift in their financial plans.

Retirement

fromwww.theguardian.com

Turmoil, resignations and psychological warfare': how Trump is crippling US national parks

Mark Nebel resigned from the National Park Service due to frustrations stemming from political changes that hindered his work.

fromIrish Independent

More than 300 RTE staff apply for voluntary exit programme

I can confirm that we received a total of 325 applications for the voluntary exit programme. This VEP comprises Voluntary Severance (VS) and Voluntary Early Retirement (VER) schemes available to employees with at least two years' service.

Retirement

Meet the Americans secretly working multiple remote jobs to afford early retirement - and making up to $300K

Many Americans are secretly juggling multiple remote jobs to boost retirement savings and achieve early retirement.

Retirement

2 Disney Imagineers dreamed of retiring in Thailand. Their journey didn't go quite as planned.

Meet the Americans secretly working multiple remote jobs to afford early retirement - and making up to $300K

Many Americans are secretly juggling multiple remote jobs to boost retirement savings and achieve early retirement.

Retirement

2 Disney Imagineers dreamed of retiring in Thailand. Their journey didn't go quite as planned.

At 48 With $4.5M in Assets-Is It Time to Walk Away From Work?

The emotional impact of retirement decisions can outweigh financial considerations.

Retirement gave me time, health, and clarity - but money stress and projects brought me back to work

Un-retiring can be a valid choice, especially if it aligns with personal needs and offers financial benefits.

I Make $13,000 a Month - How Can I Achieve My $1 Million Goal by 30?

To create a plan to save $1 million by age 30, he will first need to calculate how much to invest each month.

Retirement

I want to retire early but I own a business and my income isn't stable

Planning for early retirement can be challenging due to variable income.

Running a side business can supplement income and provide fulfillment during retirement.

How I Plan to Create My Own $60,000 Annual Income in Just 6 Years - Seeking Your Thoughts

It's a dream to live off dividends without touching principal, allowing growth over time; managing a portfolio's yields while aiming for financial independence is crucial.

Retirement

#real-estate

SF real estate

'Slow and steady': How a couple retired early by buying one rental property a year with 5% down payments

Real estate

Why 'rent by the room' earns the most cash flow for a financially independent couple among 4 rental strategies

SF real estate

'Slow and steady': How a couple retired early by buying one rental property a year with 5% down payments

Real estate

Why 'rent by the room' earns the most cash flow for a financially independent couple among 4 rental strategies

more#real-estate

I'm a federally employed military spouse and feel forced into retirement. It's making me sad that I voted for Trump.

Part of me is at peace, but another part is full of resentment. I feel pushed into this choice - pushed by DOGE. It's been such a stressful, emotional decision.

Retirement

I'm 48 with a massive portfolio and a family history of heart disease - do I risk my health or pull the plug on work today?

Retiring sooner rather than later prioritizes health over financial gain.

A significant financial plan review is essential before early retirement.

I'm sitting on $5 million worth of crypto - should I sell to diversify and eat the $1 million tax bill?

Bitcoin has created fabulous wealth for many, particularly those who bought in early, as its value has skyrocketed over the years.

Cryptocurrency

As an early retiree, how much income tax are you really paying on your withdrawals?

It's important to factor taxes into your expenses.

Retirement

We're in our mid-30s with almost $3 million saved - are we realistically on track to achieve our financial goals?

The Reddit user with $2.8 million is likely on track to retire early at ages 45-50 due to solid investment returns.

I'm anxious about another layoff despite earning $600k a year - is there a faster way to reach our retirement goals?

Mass layoffs highlight anxiety for early retirees, especially those with high salaries due to automation risks.

Redirecting financial anxiety towards budget cuts and strategic investments can accelerate wealth creation.

fromwww.mercurynews.com

Jill On Money: Advice for laid-off workers

Government employees face job insecurity, prompting many to consider early retirement options amid economic pressures.

I'm Ready To Retire Early, but Does That Mean Leaving My 401(k) Untouched For Another 5 Years?

If you leave your job during the calendar year in which you turn 55 or later, you can take a withdrawal from your 401(k) without a penalty.

Retirement