Work wise i'm a bit fortunate to still work at a good company and managers, so it's not a big deal to continue working, although the work can be repetitive and lack of challenge, i consider that a blessing. Still, once you know the date it seems hard to keep still, but the anxiety seems more from the retirement itself (what would I do), rather than the current work. I think for people who are fortunate enough to not worry about financials after retirement, our real challenge is the lifestyle choice and psychological change we need to adapt to.
Safety. Shit happens, so it’s best to create a Safety Net savings account with $500–$1000 for emergencies. Now listen: do not touch this money unless there is a true emergency (car repairs, medical bills, job loss, etc.). Your Safety Net will allow you to stay on budget even when life punches you in the face. Over time, once you’re out of debt (step 3 below), your Safety Net will grow to include several months of income. But for now, worry only about the first $500–$1000 to start, which you’ll want to keep in a separate Safety Net account to avoid temptation (more on that below).

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Our parents grew up extremely poor, but wealthy in tradition, family, and faith.  Their nurturing frugality instilled both a tradition of resisting needless spending and the value of time over money.  Setting a goal to champion frugality has made the biggest impact in wealth accumulation in my life.  This value of frugality is a tradition that my wife and I are passing on to our kids.
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Great goals! It’s nice to see your journey play out. Since you are now talking about Thailand in your early retirement plan I thought I would point you to someone very interesting. When you have a minute, google “Paul Terhorst.” Since you are traveling in FI circles, you’ve probably already come across his name and read his book “Cashing in on the American Dream: How to Retire at 35.” In case you haven’t, he and his wife retired at the age of 35 back in the 80’s with about $500k. They have been perpetual travelers ever since – spending significant amounts of time in Thailand, Argentina and other parts of the globe. He would be a wonderful person to feature on your next podcast if you can get him. I consider him to be one of the grandfathers of the FIRE movement.
I am a small animal vet in the Washington DC area. Vet school loans and housing have taken their toll. I would like to retire at 60 (I just turned 52), and reach budget or baseline. Blockbuster isn’t a reality. Choose your career well– I love what I do, but sometimes wish it paid more. Semi-retirement may also be an option. Thank you, Sam, for a great post (as always).
“Most of us are shocked to realize how much we actually spend,” Hester said. “After you’ve started tracking, figure out how much your lifestyle costs per year, look for what you might be able to cut out to shrink that number, and then start working on increasing your savings rate. Those are the hardest parts of the journey, and the rest is just a matter of waiting for the money to add up and compound.”

Even though I passed the point where my savings could cover my essential expenses quite a while ago, I’ve decided to keep working and pad my balances a bit more. Since I’ll likely have plenty of buffer by the time I actually pull the plug on work, I plan to just maintain my current portfolio, which consists primarily of low-cost, stock market index funds. Since I could always work again if necessary, I’m happy to take on a bit more risk for higher potential returns.
The rise of irrigation and urbanization, especially in ancient Sumer and later Egypt, unified the ideas of wealth and control of land and agriculture. To feed a large stable population, it was possible and necessary to achieve universal cultivation and city-state protection. The notion of the state and the notion of war are said to have emerged at this time. Tribal cultures were formalized into what we would call feudal systems, and many rights and obligations were assumed by the monarchy and related aristocracy. Protection of infrastructural capital built up over generations became critical: city walls, irrigation systems, sewage systems, aqueducts, buildings, all impossible to replace within a single generation, and thus a matter of social survival to maintain. The social capital of entire societies was often defined in terms of its relation to infrastructural capital (e.g. castles or forts or an allied monastery, cathedral or temple), and natural capital, (i.e. the land that supplied locally grown food). Agricultural economics continues these traditions in the analyses of modern agricultural policy and related ideas of wealth, e.g. the ark of taste model of agricultural wealth.

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NOTE: If you’re pursuing financial independence, you’re going to want to adjust the percentage of money you put away to savings when you implement your plan. You can choose to save around 65% like Mad Fientist suggests, or you can choose to put half your paycheck into your savings like PoF encourages. Or you could go a different route. It’s all up to you and your savings goals.
Those who choose to focus on passive income will need either family money, funds from investors, or the nerve to borrow large sums by taking on debt to fund the purchase of assets. Consider someone who takes out substantial bank loans to build an apartment building or buy rental houses. Although this can turn a very small amount of equity into a large cash flow stream, it is not without risk. When using borrowed money, the margin of safety is much smaller because you can’t absorb the same degree of setback before defaulting and finding your balance sheet obliterated.

This is a level of FI that I’ve been trying to achieve since I was 30 years old. I decided back then that an individual income of ~$200,000 – $250,000 and a household income of ~$300,000 was the ideal income for maximum happiness. With such income, you can live a comfortable life raising a family of up to four anywhere in the world. Given I’ve spent my post college life living in Manhattan and San Francisco, it was only natural to arrive at much higher income levels than the US household median. Remember, half the country live in more expensive coastal cities.
I’m a South African College Lecturer and I intend on leaving my job to find a career online as I realise that I can’t continue earning an income the same way my grandmother did. So I’m on the hunt for online income generating opportunities. This article has been helpful and I have booked marked it. I have started my journey with buying bitcoins, joining a social financial community: MMM, and now am looking to add to my list Blogging, Youtubing, Creating an App/s, creating an online course, creating online guides. Your article has proven very helpful and excellent in many regards….I will use it as a reference guide. Thanks a lot.

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For those of you looking to retire early with financial freedom, think about what your bare minimum retirement would look like. Could you move to a place with a lower cost of living? Would you give up going out to dinner? Work towards a nest egg that will support this bare-bones lifestyle. You probably will decide against moving to that cabin in the woods without running water, but it might be nice to know you could. Considering your bare minimum retirement, and knowing you have enough money saved to at least cover some standard of living in your early retirement, will also influence other life choices you may make along the way.

Humans back to and including the Cro-Magnons seem to have had clearly defined rulers and status hierarchies.[citation needed] Digs in Russia at the Sungir Archaeological Site have revealed elaborate funeral clothing on a man and a pair of children buried there approximately 28,000 years ago.[citation needed] This indicates a considerable accumulation of wealth by some individuals or families. The high artisan skill also suggest the capacity to direct specialized labor to tasks that are not of any obvious utility to the group's survival.[citation needed]


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Fulfillment is the entire point of this article. Financial freedom does not require that you retire early to a life of leisure (unless that is your desire). It’s about having autonomy and independence in your daily routine, allowing you to design a better life while spending your time, money, and energy in a more meaningful way. If that includes starting a new business, great! Doing meaningful work while getting paid is my definition of a win-win.


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"Grant Sabatier is a bold, new voice for this country's next generation -- a generation that chafes at mounting debt, rejects traditional modes of work, and longs for financial freedom. In this comprehensive money manual, Sabatier blends deep wisdom with proven action steps. He shows how to mold your mindset so that you can make the most of your dollars and your hours. Best of all, he provides a blueprint so that you can build the rich life you've always wished for."
I listened in admiration, and wanting to draw him out, that he might go on--Yes, Cephalus, I said: but I rather suspect that people in general are not convinced by you when you speak thus; they think that old age sits lightly upon you, not because of your happy disposition, but because you are rich, and wealth is well known to be a great comforter.

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Right now is the best time to start planning for your future. Whether you’re planning for retirement, wanting to start a business, saving for a home, building a larger Safety Net, or focusing on long-term wealth-building, now is the best time to begin. Not next week, not even tomorrow, today. Even if you have no money to invest, you must devise a plan to begin investing in your future self. The best way to do this is to automate your investments using an online service like Betterment, which takes the guesswork out of investing. The future won’t wait. Do it today. Even if that means 1% of your income, or even $20 a month, to start. Your future self will thank you.
Most people believe the key to wealth is a high-paying job. Yes, it's easier to amass assets if you have more money coming in each month, but one key to increasing your net worth is to spend less than you make. Ultimately, spending habits are the reason a professional athlete making $20 million a year can quickly go bankrupt while a bus driver can retire a multi-millionaire. It can be a cliche but it is a fundamental reality of money.

This is a level of FI that I’ve been trying to achieve since I was 30 years old. I decided back then that an individual income of ~$200,000 – $250,000 and a household income of ~$300,000 was the ideal income for maximum happiness. With such income, you can live a comfortable life raising a family of up to four anywhere in the world. Given I’ve spent my post college life living in Manhattan and San Francisco, it was only natural to arrive at much higher income levels than the US household median. Remember, half the country live in more expensive coastal cities.
I realize this is not directed at me, but let me give you my current retirement “job”. I hold rehab notes for real estate investors. I carefully underwrite (evaluate) the deal and my returns are 1% a month. That $250,000 would generate $2500 a month. My cash utilization is also very high. My retirement job has a great following now, I rarely have enough capital to meet all the needs.
I moved to a remote tropical Island once FI. This idea was not spontaneous, and I had planted seeds for years working off and on as an expat in the medical field. I worked with royalty and even had the life changing experience of using a gold toilet. The toilet was not really life changing at all, and somehow sad. I also had opportunities to work with orphanages literally in the tree tops and cultures who thought their medical issues were caused by spirits. There were amazing times, but I also suffered through cholera. The remaining time I worked for years in high stress, high salary, with little time off. It made me sick.
I personally do not consider any capital gains or paper gains as part of my retirement income. Any capital gains are one off. It’s safer this way because it’s important to focus on building recurring passive income sources. Hopefully, my gains from my rental house sale in 2017 will be properly deployed to earn future income. But I’m not touching those gains for spending.
True, the world is a bit unpredictable. That said, if you’re invested in a very broad index (like VTI, VTSMX/VTSAX), you are as protected as possible. If those indexes collapse/devalue, there are far greater issues going on than money. You would be fighting to eat and survive at that point, and money would be worthless. So, other than the world ending as we know it, you can be FI and have 99.9% assurance you are financially safe.

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I think the author means well and I think his story of going from dead broke to millionaire in 5 years is awesome. As he mentions, he did that with some sacrifices, including personal relationships. I wish he would have spend more time digging into this and its importance, as I feel like many people struggle with this. I think it's a great book for him to tell his story and what worked for him, but I think he should leave the financial advice to those that are much more familiar with how this stuff works. If you're looking for a similar book, but much better, I would recommend Set for Life by Scott Trench. For those interested in real estate, the section in this book on real estate is generally weak in my opinion. I agree with the author's position on putting less than 20% down in certain situations - his examples of why on this are right on. In general, though, I would suggest checking out BiggerPockets for in-depth real estate investing info.
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Unfortunately, living paycheck to paycheck is the reality of millions of Americans. According to the Federal Reserve's Report on the Economic Well-Being of U.S. Households in 2017, some 40% of households could not cover a $400 unexpected expense. Most of us will have some unexpected bills pop up throughout the year such as car repairs, medical bills and nights out drinking with friends. Having an emergency fund will come in handy during those types of situations.

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Finding this a couple of years later, I had been thinking in the opposite direction regarding post-FI expenses. Because my current saving rate is about 60%, I figured if I did decide to accept part-time work or fixed-term projects, the income would likely fund my living expenses. That would allow my ‘Stash to continue to grow. (Yes, I read Mr. Money Mustache’s blog.)

Your freedom grows alongside your savings. Eventually, you will have enough money saved to feel comfortable switching jobs, starting a business, returning to school, traveling for a year, or any number of other activities that are impossible to achieve without savings. This stage of financial freedom might include major life changes, but they are not permanent. Your freedom is temporary because your savings will be depleted over time, forcing you to find other sources of income again.


Work wise i'm a bit fortunate to still work at a good company and managers, so it's not a big deal to continue working, although the work can be repetitive and lack of challenge, i consider that a blessing. Still, once you know the date it seems hard to keep still, but the anxiety seems more from the retirement itself (what would I do), rather than the current work. I think for people who are fortunate enough to not worry about financials after retirement, our real challenge is the lifestyle choice and psychological change we need to adapt to.
While your income, your savings rate, your investment returns, your debt to income ratio, and all those other numbers are important when optimizing your money, the single most important metric that you should be tracking is your net-worth. Your net-worth measures how much money you are worth by subtracting your liabilities (debt/what you owe) from your assets (what you own that has value, your cash, and investments). It doesn’t matter how much money you make or how much money you save if your net-worth isn’t going up. This was a big early mistake I made, so start tracking your net-worth today.
I think too many people become over-focused on their number, on achieving what you call basic FI and I call independence. They’re so dialed in on that that they ignore the fact that they’re gradually achieving greater independence all the time. That’s too bad. I think folks would be happier if they could take the time to appreciate their state, you know?

But most importantly, Sabatier highlights that, while one's ability to make money is limitless, one's time is not. There's also a limit to how much you can save, but not to how much money you can make. No one should spend precious years working at a job they dislike or worrying about how to make ends meet. Perhaps the biggest surprise: You need less money to "retire" at age 30 than you do at age 65.

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Paying for a car repair without stress is just a small part of the picture. It’s more than just being able to afford emergencies. It’s knowing you don’t have to worry about retirement because you’ve worked with your financial advisor to invest consistently for decades. It’s the freedom to quit your J-O-B to do something you love, even if means getting paid less.
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