#RetireEarly

If you retire early, DON’T tell anyone. For more retirement topics like this, give me a follow and check out the link in my bio for my 67k YT channel where we go into much more detail. Thx! #retirement #financialfreedom #earlyretirement #retireearly

Society sells us a dream called “the end.” But they never mention what happens next. We spend forty years sprinting toward a porch chair. Then we realize that the chair is where the momentum dies. Retirement shouldn’t be an exit; it should be an evolution. Purpose doesn’t have a pension plan. The world starts to shrink when you stop contributing. The real danger isn’t the missing paycheck. It’s the missing reason to get out of bed. I’m not telling you to keep the 9-to-5 grind. I’m saying you should never retire your curiosity. Don’t just quit your job—find the work you’d do for free. Let that be the thing that keeps you alive #retirement #retireearly #earlyretirement #retirementtips #money

Imagine coming back from vacation richer 🤯 That’s what I usually experience and I don’t sweat my bank account like I used to. Investing is a game changer but it takes ACTION to change the game. You can start with my FREE 30-page money guide. Comment SLAY.

Reminder these are REAL people, so please be kind in the comments. Talk about a power couple! I loved this example so much because despite making a ton of money each year, having a very healthy chunk saved, and donating each month, they’re also living their life without letting their spending get out of hand. For example, they’ve kept their mortgage LOW—less than 10% of their pay! I love that they decided to invest in a laundry service to give back time each month. They spend a lot on food between groceries and eating out, but they only spend 2% of their money on shopping and even less on fun — maybe their love language is food! I also don’t know how old their kids are, so maybe they eat a ton😅. She said they go on about 2-3 family vacations a year that range from $5k-$10k each, hence the hefty cash on hand. Their main goal is to retire early and they’re well on their way to do that. If they wanted to be able to spend $10,000 each month, or $120,000 a year, they would need to have $3M invested. If they invested $15k of their $18,815 each month into a brokerage account, they’d be there in 3 years — and that’s not even including what they’re investing in the 401(k) along the way. (Saying $15k of the $18k to cover things like vacations, gifts, etc) If I were them, I would be highly focused on the brokerage account as it’s a little low compared to the others — they will need to dip into it if they want to retire early. They have some in the Roth that they can dip into (contributions only) and then I think should start a Roth conversion ladder right when they retire (rolling some funds from a 401k/Traditional IRA to a Roth IRA each year — strategically so as not to have a giant tax bill). Since you can’t touch converted funds for 5 years though, you need to have enough money to sustain you until then, hence the brokerage 🙂 I thought this one was a good one for those who potentially want to retire early! There isn’t anything I would change on spending (I don’t know how they pay $0 for gas, but assuming they have a work gas card?), but I would be highly focused on which investment accounts their money was actually going into�

Retiring early? 👶🏻 Let’s look at how to calculate your FIRE number 🔥 Not financial advice. Capital at risk when investing. Markets can be up and down. Past performance does not predict the future. Do your own research. I do not moderate or endorse 3rd party advice in the comments. #personalfinance #investing #learnoninstagram #financialindependence #retireearly

There’s no such thing as ‘retirement age’. You can retire much earlier if you start TODAY! Two key things to consider for operation: ‘don’t run out of money.’ 1. The State pension. I haven’t included this in my calculations as frankly, I’m not sure it will exist by the time I get there anyway. But it’s a lifeline and boost to your pension pot. 2. I worked on the assumption that my ISA won’t remain invested while I draw down from 45 to 58. That’s a very conservative position. In reality, i’ll keep it invested rather than in inflation-linked bonds. It will keep growing. What does this mean? It means I could need FAR less in my ISA. Maybe £350-£450 before I could retire. It also means I might not spend all the ISA money - it can supplement my retirement income too. Why else would I over save in my ISA? 10 years isn’t a long time horizon, I may not achieve a 7.5% return. Also, although £40k year is a decent retirement salary, I’d be happier with closer to £50k. I plan to spend more pre-retirement than post-retirement. Let me know what you think of the plan? This is not financial advice, capital at risk when investing. None of the numbers in here are a guarantee, but an indication only! #financialindependence #financialindependenceretireearly #earlyretirement #retireearly

You may assume early retirement is only for the wealthy... but the truth? It’s about planning, priorities, and perspective-not just money in the bank. And we all know a story… Someone who didn’t quite make it to retirement… Or someone who retired only to have some tragedy shortly thereafter. So here are a few powerful reasons to at least consider it: 1️⃣ Time is priceless. You can always make more money, but you can’t make more years. Retiring earlier gives you more time to travel, explore hobbies, or simply enjoy slower mornings. 2️⃣ Health doesn’t wait. Many people regret working through their healthiest years. Why save all your energy for a time when your body might not cooperate? 3️⃣ Flexibility > burnout. Early retirement doesn’t have to mean no work. It can mean different work—side hustles, passion projects, or part-time roles that energize you instead of drain you. 4️⃣ Purpose on your terms. Without the 9-5 grind, you can focus on volunteering, mentoring, or creating-things that give your life deeper meaning. 5️⃣ Peace of mind. With careful planning and multiple income streams, you’ll gain freedom from money stress and the confidence that you’re living life on your terms. In today’s world, retirement isn’t the end of life. It could be 1/3 of your life. Make it happen while you still have the energy to enjoy it. Yes, you need a plan to make it a reality, so be sure you’re following, as we cover how to do it. So... What would YOU do first if you retired early? I decided to retire early when I was unexpectedly laid off at 55. My husband had planned to retire early but was in a car crash 2 weeks prior to his retirement and never made it. I know life is short and I have things I want to do, so I decided to make it work. Now | share about it to help you decide if early retirement is for you. #retireearly #over50 #over40 #retirementplanning #retiredlife

Not that long ago people had to call their broker every time they wanted to buy or sell stocks. Comment GUIDE to get my free 30-page money guide. And the fees? Oof. Wall Street took a HUGE bite out of your money. Nowadays you can open your own account for free. No broker needed. Buy your index funds or stocks & pay little to no fees. Invest as much or as little as you want as often as you want. All from your phone. It’s wild. And yet many people still shy away from it because it scares them which is understandable but not insurmountable! That’s why I do what I do. To make it a little easier and less overwhelming.

'It seems to me that we almost fetishise pensions. We obsess about pensions as though they're the only thing that matter. But actually, not having to pay rent is [also] incredibly important." #SteveWebb, former pensions minister, tells MoneyWeek’s digital editor @kalpanafitz why #pensions aren't the only way to secure the lifestyle you want in #retirement. Watch the full episode of MoneyWeek Talks on our YouTube channel.

Cuanto antes empieces, más crecerá tu dinero en el tiempo. Descarga gratis la guía para planear tu retiro. Haz click en el link en bio. #jubilación #retiro #ahorro #invertir #latinos #latinosenUSA #inversiones #futuro #éxito #fintech #ahorropararetiro #retireearly

How much money do you actually need to retire with a 90% chance your money lasts until 75? Let’s test it. Two people retire at 45 with $500,000 invested. One moves to San Francisco 🇺🇸. The other moves to Bangkok 🇹🇭. Same starting portfolio. Same market returns. But their retirement paths look completely different. To simulate this, I ran a Monte Carlo analysis with 1,000 randomized market scenarios so the portfolio experiences real sequences of bull markets, recessions, and volatility. Instead of using a fixed withdrawal rate, the model withdraws whatever amount is needed to cover living expenses each year, and those expenses grow with inflation. Cost of living is based on crowdsourced data reported by locals, aggregated across multiple sources. Since expats usually spend more than locals, I scaled those expenses 20% higher to better reflect a typical expat lifestyle. Here’s what the model shows. Average annual spending: San Francisco → $59,184 / year Bangkok → $13,795 / year That difference completely changes how the portfolio evolves. In San Francisco, withdrawals are so high that the portfolio slowly gets drained, especially during bad market sequences. By the early 60s, the portfolio is already negative in many scenarios. But in Bangkok, spending is low enough that the portfolio keeps compounding faster than it’s being withdrawn. By age 75, the results look like this: San Francisco → -$1.78M Bangkok → $2.5M Now here’s the part most retirement calculators miss. What if we ask: How much money do you actually need for a 90% chance of success? Meaning the portfolio survives 30 years of retirement. The simulation shows: San Francisco → you need about $1.95M invested. Bangkok → you need about $467k invested. So the same retirement lifestyle that requires nearly $2 million in San Francisco… can work with around $500k in Bangkok. That’s the power of geographic arbitrage. I built the calculator used in this simulation so you can compare cities yourself. Comment “calculator” and I’ll send it to you. #financialindependence #retireearly #thailand #costofliving #sanfrancisco

How Early Retirees Actually Pay for Health Insurance before 65 One of the most common questions I get is this: 👉 “If I retire before Medicare starts at 65, what do I do about health insurance?” The good news is people retire before 65 all the time And there are typically 3 ways people bridge the gap 1️⃣ Spouse coverage If one spouse continues working, the other can often stay on the employer health plan Simple and very common 2️⃣ COBRA COBRA allows you to continue your employer plan for up to 18 months The catch is you pay the full premium yourself Still, it can be a useful short-term bridge 3️⃣ ACA Marketplace plans Most early retirees purchase insurance through the marketplace like Healthcare.gov And this is where things get interesting Premiums are largely based on your income Which means some retirees qualify for significant subsidies That’s where income planning becomes important Many retirees try to keep their taxable income lower during these years by being strategic about where withdrawals come from Examples include ✔ harvesting investments with large cost basis so the taxable gain is smaller ✔ using Roth distributions, which generally don’t count toward income ✔ controlling IRA withdrawals to stay within certain income ranges Sometimes retirees will even pause larger tax strategies for a few years For example, delaying large Roth conversions temporarily so they can maximize healthcare subsidies before Medicare begins The big takeaway Healthcare before 65 is something to plan for — but it’s often more manageable than people expect And your retirement income strategy can play a big role If you’re exploring retirement and want to understand how taxes, income, and healthcare fit together… let’s chat 😎 #retirementplanning #retirementincome #earlyretirement #financialplanning #retireearly