I Retired Young

What I do, and what it costs

I retired young, and so far it's been great.

I was 47 years old, had fallen out of love with my job, so I quit. That was a scary decision - I didn't know how much it would cost to live or what I would do with my extra free time. 

Because I struggled to find answers to these questions, I  decided to blog about  my journey to financial freedom and my early retirement experience. I hope it may help others in a similar situation.

My posts set out my monthly costs, the decisions and choices that helped me achieve financial freedom and early retirement, and some of what my retired early life looks like - what I do during my old working hours. There's probably some other nonsense thrown in as well, so apologies for that!

At the end of the day, I'm just a pretty average guy. That's good news, because I figure that if I can do it, then probably you can too, if that's your dream.

1 Feb 2020


I suspect that after Christmas, most people hope for a less expensive January to get the finances back on track, an idea we seem to have completely ignored. 

Ski lessons for me, exercise classes for Sally, lunches on the mountain, new phone (old one died), two new...

6 Jan 2020

Before I retired, the calendar moving from one year to the next wasn't a source of excitement for me. Work was what I spent most of my waking hours doing and ticking over into a new year didn't alter much.

That equation changed with early retirement. I'm now in control...

27 Dec 2019

I'm under pressure - today is the 27th December and I'm only now writing my November costs and targets post. Is it a new record for tardiness or a sign that early retirement is still going well and I've been busy doing other things?

Hand on heart, I can say the latter,...

9 Nov 2019

I've struggled to find time to write my October costs and targets post - it must be a sign that early retirement is going well when you struggle to fit everything in to the days.


Ten months through the year, I'm now trying to hold onto the targets that I've got g...

9 Oct 2019

Because our costs go all over the place when we’re travelling, I’ll start this post by checking progress against my targets.


Realistically, my attempt to learn French has finished for this year as I’m travelling in Spanish speaking countries for the next few mont...

13 Sep 2019

It seems longer than five weeks since my last costs and target post, I think because of what we've packed into that time.

There was a campervan trip in Germany followed by a three day cycle ride from Berlin to the Baltic coast. Our daughter came to visit for a weekend,...

2 Aug 2019


July was fairly typical, i.e. some cost lines were similar to previous months but there were others where we spent either more or less than typical. Maybe that means there isn't really a "normal" which I'm going to call a good thing - after all, if the costs were...

5 Jul 2019

2019 Targets

I've booked some flights, so our trip for later this year is definitely on. Three months away - three weeks in California, four weeks in Costa Rica and five weeks in Colombia. It's going to be fun. Sally's not keen on being away for so long so she'll be wit...

7 Jun 2019

My spend always seems to be more than most other FIRE bloggers - sometimes by a lot.

It makes me feel a little guilty even though I'm not sure it should. We live within our means and in an intentional way - words such as ethical, thoughtful, caring, value, environment...

3 May 2019

Oops, we've just had an expensive month! But on the plus side, the costs contain some good things.

Trip to Paris

This was my daughter, Rebecca's, idea. She got some free tickets to the Formula E electric car racing and asked if I wanted to go with her. It would be my fir...

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About Me

I think I'm a normal kind of guy, although I've perhaps had a slightly non-typical life in some respects.  I'm from the UK, 47 years old, married to Sally and with two

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