Career lifer planning to retire in my 50s without blowing it. The real math, the real mistakes, and a life worth retiring to. FL husband and dad of 2. Let's go!
Florida
Joined January 2017
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Corporate lifer, married dad of 2, still working and planning to retire in my 50s.
I post about:
- Money math (spoiler: not easy)
- Health insurance before Medicare
- Taxes, pensions, Social Security
- Kids and the Bank of Dad
- A life worth retiring to
- Having fun along the way
Biggest worry?
Early retirement on Instagram looks like a yacht, a Rolex, and a sunset in Bali.
In real life it looks like a paid off car, a packed lunch, and my wife telling me we have food at home.
Microsoft Outlook went down for two hours today.
Nobody got fired. Nothing caught fire. The company survived.
Remember that next time you think they can't live without you….
Jensen Huang spent 33 years building a $4 trillion company…
Didn't make it to retirement.
My plan is way less exciting. Index funds. One wife. Zero spies….
Saving for retirement feels slow for a long time.
Year 1, your money earns $900.
Year 10, it earns as much as you put in.
Year 30, it earns $85,000 in one year.
Most people quit before year 10..Don’t
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Last week regular investors sold...
Big money bought...
Today the market bounced...
Same story every time. Panic is expensive…
Never Panic!!!
Nvidia is down 30% and everyone's panicking.
Meanwhile my index fund owns 500 companies and its only mildly annoyed...
Today is Veterans Day.
A lot of us talk about the freedom to retire early. To sleep in. To travel. To finally do things on our own time.
That kind of freedom didn't come free.
To every veteran who gave years of their life so the rest of could plan ours…I thank you!
Nobody retires early by accident.
It's boring choices…
Over and over….
For years….
Then one day it just happens…work feels optional.
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My retirement plan has two parts.
Index funds. And Costco.
A $1.50 hot dog for lunch. A $4.99 rotisserie chicken for dinner.
Some people call it cheap…I call it a $6.49 day.
Unfortunately inflation came in hot again. Prices rose 0.4% in October.
Beef was up 0.9%. Snacks were up 1%.
This is why a retirement number isn't one number. It's a number that has to flex and keep up with the grocery bill for 30 years.
Meanwhile the Costco hot dog is still $1.50. Go figure…
Our parents got pensions. We got 401(k)s.
That swap moved all the risk onto us. How much to save. What to invest in. How long it has to last.
Nobody handed us the manual. We had to write it on our own…