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10 Ways to Generate Retirement Income

May 22, 2017 By ESI 56 Comments

In How to Retire on $1 Million or Less we discussed the 4% rule and whether or not it is a worthwhile guide for withdrawing assets in retirement. I also noted that people who have other sources of retirement income don't need to rely on drawing down assets as much as those who don't. What are those potential sources? I'm glad you asked! :) In this post I'll detail ten … [Read more...]

Filed Under: Earn, Retirement

Key to Early Retirement: Margin of Safety

May 10, 2017 By ESI 43 Comments

One of the things I worry about for extreme early financial independence retirees is that they play the numbers too close. In other words, I think some would be in trouble if something unexpected and costly pops up. And as we know, we should expect the unexpected when it comes to money emergencies. For example, let's say a 30-year-old has $1 million saved. Using the 4% … [Read more...]

Filed Under: Retirement

How to Retire on $1 Million or Less

May 8, 2017 By ESI 98 Comments

Summary: This post tells how to retire on one million dollars or less at age 35 or lower. I've noted from time to time that I read a ton of money blogs. One popular sub-group is the FIRE bloggers. In case you don't know, FIRE is an acronym for "Financial Independence Retire Early". These blogs focus on reaching financial independence and retiring at a very young age -- … [Read more...]

Filed Under: Retirement

Post-Retirement Career and Activity Thoughts

April 12, 2017 By ESI 14 Comments

On my post titled 7 Steps to Millions More: Continue Learning and Developing Skills, one reader left the following comment: This could maybe even be its own post but how do you feel you apply this concept into your life now that you are retired? For instance: 1. Do you still try to learn and grow in your career field perhaps because you are still interested and just enjoy … [Read more...]

Filed Under: Career, Retirement

Explaining Early Retirement to Strangers

March 27, 2017 By ESI 23 Comments

Last fall I shared responses I received from people when I told them about my early retirement. These were family members and friends -- people I know well (of course.) They know me and our family and while they may have been surprised, it wasn't a total shock given what they know about us. But there's an entirely different dynamic when you explain early retirement to … [Read more...]

Filed Under: About, Retirement

My Current Money Management and Investment Plans

March 8, 2017 By ESI 41 Comments

It's been some time since I shared my asset allocation. In fact, my last update was just after I retired. Now that I've been retired some time and am getting used to it, I'm looking at my assets with new purposes in mind. Given this plus the fact that one of my 2017 financial resolutions is to review my investments, I thought I could kill two birds with one post. … [Read more...]

Filed Under: Cash Flow, Invest, Retirement

Monday is the Best Day in Retirement

February 20, 2017 By ESI 20 Comments

To most of the world, the best day of the week is Friday (because the weekend is coming), Saturday (because there's no work), or Sunday (because there's no work). Here and there you might see other days make it into the "best day" discussion, but those three definitely lead the pack. I know they were my favorite days when I was working. You know what never gets … [Read more...]

Filed Under: Retirement

Retirement Six Month Update

February 3, 2017 By ESI 20 Comments

Can you believe it's been SIX MONTHS since I retired? In some ways it seems like yesterday but mostly it seems like eons ago...in a good way. My last retirement update was at 100 days. Here's what I've been doing since then: I'm still busy!!! How did I ever find time to work and do all the stuff I'm doing now? The days pass quickly and there's always more left to … [Read more...]

Filed Under: About, Retirement

Big Tax Savings due to Early Retirement

February 1, 2017 By ESI 27 Comments

Now that I'm retired, lots of things have changed, of course. One of them I have been expecting is the taxes I will pay. Not only am I earning about one-third of my former income each year, but I'm not doing it from earned income. On the tax-paying side, I won't have a job deducting income taxes for me, so there are implications there as well. To get a head start on … [Read more...]

Filed Under: Retirement, Taxes

2016 Net Worth and Retirement Budget Update

January 20, 2017 By ESI 11 Comments

Here's an update on how our net worth performed in 2016. For background on my net worth status and results, see 2015 Net Worth Review and The First Million is the Hardest. In addition to the net worth update, I'll detail how our retirement budget has performed so far (five months into retirement) so you will be all caught up. :) 2016 Net Worth Summary Here are my net … [Read more...]

Filed Under: Cash Flow, Net Worth, Retirement

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