{"id":28880,"date":"2023-03-27T04:15:00","date_gmt":"2023-03-27T11:15:00","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=28880"},"modified":"2024-12-07T08:58:33","modified_gmt":"2024-12-07T16:58:33","slug":"34-financial-tricks-to-help-you-retire-early-3","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id28880-34-financial-tricks-to-help-you-retire-early-3.html","title":{"rendered":"34 Financial Tricks to Help You Retire Early"},"content":{"rendered":"

\"retirement<\/a>The other day our Stacking Benjamins<\/em> podcast<\/a> roundtable team was discussing an article on a popular mainstream financial website about how to retire early. I especially loved the story’s first recommendation: “Start saving as early as you can.”<\/p>\n

Brilliant!<\/p>\n

Let’s face it: For many people, early retirement is the holy grail of personal finance goals. To be sure, it certainly has an allure that most folks find irresistible.<\/p>\n

Frankly, I find the entire concept to be a bit, well … squishy. For example, if you’re relying on a time-consuming side hustle – or constantly picking up odd jobs – in order to ensure you won’t outlast your nest egg, well … that doesn’t count as being “retired” in my book. But that’s just me.<\/p>\n

Semantics aside, there are a host of other debatable issues that many twentysomethings<\/a> and other young folks should consider when evaluating early versus delayed retirement<\/a>. For example, one of the biggest is that the longer timelines associated with early retirement introduce additional planning uncertainties. Of course, that means increased financial risk.<\/p>\n

That being said, for those of you who simply can’t<\/b><\/em> get the romantic notion of early retirement off your mind, I’ve cobbled together my own list of brilliant tips that will, hopefully, help your dream become reality:<\/p>\n

    \n
  1. Minimize your debt. (I know — but I’m just getting warmed up.)<\/li>\n
  2. Gain the skills to get a well-paying job; after all, it’s harder for fry cooks to quickly build a retirement nest egg than doctors, dentists, lawyers, accountants, engineers and investment bankers.<\/li>\n
  3. Maximize your 401(k) contributions<\/a> from the very first day of employment; in 2015 it’s $18,000.<\/li>\n
  4. Learn to appreciate the joys of a used car. Then buy one to get around — but only if truly necessary.<\/li>\n
  5. Marry a spouse who not only works, but also has the same retirement goals as you do.<\/li>\n
  6. Don’t have any kids<\/a>.<\/li>\n
  7. Work lots of overtime.<\/li>\n
  8. Create passive income streams.<\/li>\n
  9. Make sure your spouse is a doctor, dentist, lawyer, accountant, engineer or investment banker.<\/li>\n
  10. Never get married<\/a>.<\/li>\n
  11. Get super-chummy with a rich old relative.<\/li>\n
  12. Develop an impeccable sense of market timing.<\/li>\n
  13. Learn to live on $40,000 per year<\/a> — but preferably less. Much less. (And be happy doing it.)<\/li>\n
  14. Fix your plumbing: Get a vasectomy … or your tubes tied.<\/li>\n
  15. Keep yourself gainfully employed.<\/li>\n
  16. Develop a strong aversion to luxury cars<\/a> — and avoid cohabitating with anyone who insists on owning one.<\/li>\n
  17. Use a bicycle to get around town and funnel the gas money you save into your retirement accounts.<\/li>\n
  18. Be willing to live somewhere that has a relatively low cost of living — because it’s easier to retire early in Salina, Kansas, than New York City.<\/li>\n
  19. Buy low and sell high. Every time.<\/li>\n
  20. Never loan money<\/a> to anybody.<\/li>\n
  21. Remember: condoms and birth control pills are your friends.<\/li>\n
  22. Pray for a long bull market uninterrupted by any catastrophic market crashes.<\/li>\n
  23. Never get sick or injured.<\/li>\n
  24. Make friends with the Federal Reserve Bank chair and then encourage her to artificially boost market returns with lots of cheap money.<\/li>\n
  25. Contribute the maximum amount into your traditional or Roth IRA; in 2015 it’s $5500.<\/li>\n
  26. Get a second job — or three<\/a>.<\/li>\n
  27. Don’t even<\/em> think about having kids.<\/li>\n
  28. Do your best to emulate your suburban next door millionaire<\/a> neighbor.<\/li>\n
  29. Win the lottery — just don’t play too often.<\/li>\n
  30. Avoid any and all bad luck that life will indubitably toss your way.<\/li>\n
  31. Ensure your favorite charity is you<\/a>.<\/li>\n
  32. Always live below your means.<\/li>\n
  33. One word: abstinence.<\/li>\n
  34. Find at least a few low-cost hobbies you truly enjoy — because after you retire early, you’re going to quickly discover that life is really really<\/em> long.<\/li>\n<\/ol>\n

    Then again, if you were truly<\/b><\/em> forward-thinking, you could simply strive from the onset to earn a living doing what you love to do<\/a>.<\/p>\n

    Of course, that<\/b><\/em> would make any quest for “early retirement” moot, wouldn’t it?<\/p>\n

    Photo Credit: stevendepolo<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    The other day our Stacking Benjamins podcast roundtable team was discussing an article on a popular mainstream financial website about how to retire early. I especially loved the story’s first recommendation: “Start saving as early as you can.” Brilliant! Let’s face it: For many people, early retirement is the holy grail of personal finance goals. 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