[Tijana]

I’m curious to hear from people who feel like they are on track to retire early.

[Cornelius]

I achieved fire/ self employed at 27. 9 yrs in the Marines, 2 divorces, no kids, net worth right at 1.5mil.

I just happened to make the right choices with my money and got some good advice along the way.

Now I just mountain bike and enjoy myself as a firearms instructor.

[Tyler]

My wife and I are 28 and have about 90k across all our investments. We’re on track to hit our first million by 47. Plan to retire or at least go part time around 55.

We invest about $1750 per month.

[Dion]

Retired last year at 52.

$320k invested in rentals over 12 years.

Cash flow /year: $203k (after all expenses and setting aside for future expenses.)

Zero stocks.

Zero retirement accounts.

[Dillon]

Deleted a multitude of rude comments.

If you don’t want to participate, that’s fine but don’t need to be rude.

[James]

I just joined recently and after reading all of your posts about investments and retirement it looks like I’ll be working until the day I die!

[Laura]

The number fit to have fire’d a couple years ago. Now at 53, I think harder about it all. Still check and run calculators often though. lol Saved 15% of income throughout the years. Not always same, especially during child raising years.

Currently, reading Die with Zero a second time. Still trying to let go completely. At least only working part of the year right now.

[Darren]

Just retired. 37, 1.3M and disabled veteran.

[Dan]

Retiring at 57. My actual expenses are 3.5% of my invested assets. Everyone’s experience is different and the actual numbers really are meaningless.

Either you have enough to sustain your lifestyle or you don’t.

Suggested: How much I will need in retirement/when I may be able to retire!

[Jen]

38 & 44 this year. Sitting on a pension equivalent of between $2-2.25M currently but have a house to pay off & 4 kids to feed. Shooting for $3M and should be able to be done in 5 years but will likely continue for 8 more years til all kids are past 18.

[Jessica]

Retired at 39.

Rental property income.

[Christina]

As an educator and social worker, we thought we would never retire. We saved $100/mo in the early years and now save about 40%. We have also given 10% to charities from our first paychecks until now. Little by little we built enough to retire well by 60. (Currently 50).

We have loved our jobs from the beginning so retiring early to just manage our wealth seems unfulfilling.

We took notes from our Boomer parents who worked to be able to retire and from our younger Millennial friends who demanded more work life balance and found a blend that works best for us.

But now we have 4 cash flow properties that will help us over the finish line.

[Jane]

Will retire at 47 (earliest day for my pension at 25 years of work).

I have a pension. 10 years ago when I found FI, I ran the numbers and basically I could FIRE 2 years before my pension date. So, I committed to getting my pension since the difference wasn’t much and there is a significant increase to my pension by making it to 47. My Outside of pension number was $ 2 million.

Useful: If we wanted to be FI in 10 years, what would you advise we do?

[Vira]

Also what street did you grow up on and what’s the make and model of your first car.

[Dan]

I found that worrying about what other people have didn’t help me move along my path. I just estimated my own year one post-retirement living expenses and multiplied by 25 (to be ready for a 4% safe withdrawal rate), then gave my notice when I got there.

I would never share financial specifics on social media, and percentages/multipliers are far more helpful anyway (and basic to FI strategies for good reason).

[Stephen]

There are some sensitive people on here. Your question is not rude or intrusive. I’m 33 saving rate is 42% not including commission checks. Have around $60K in retirement funds.

Would like to retire by 40 but 45 may be the more realistic number. Shooting for $2.5M

Would you also like to explore: I’m a full time realtor with a retirement income of about $4000/month

[Ron]

I retired in 2018 with less than $400K. I have more than that now. It all depends on COL you are targeting in retirement. I keep my COL low so as to keep my “retirement” savings growing.

[Sandra]

I think this is a great question!

My husband will be 47 and I’ll be 44 when we become FI/work optional. This will be through a combo of pension, 457b, 401k, our Roth IRAs and brokerage account. We’ll likely continue working but very minimally and probably doing things we love.

[Author]

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