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.

14 Jun 2019

I recently read The Wealthy Finn's Passive Income Update. In broad terms, his portfolio is 25% real estate, 25% shares and 50% P2P loans and crowdfunding.

For 12 of his investments, The Wealthy Finn (aka Eelis) is seeing returns of between 1% and 32%, with many in the 1...

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...

19 Apr 2019

A comment on one of my posts asked whether, looking back, I would have done things differently? What did I think of my career choice, my investments to get to financial independence (FI), and would I advise my kids do the same thing?

One answer is to say it worked, so w...

5 Apr 2019

We spent much more than I expected in March. Each month I question why we spend more than most of the other bloggers who publish their costs. 

I understand some of the reasons. Having moved to a new country, our lack of language skills, and some documents, meant that we...

18 Jan 2019

The math to optimize the FIRE (Financial Independence / Retire Early) date is pretty simple.

Step 1 - save more (by spending less) while you're working, the quicker you'll get to the lump sum you need to be financially independent, and to retire early if that's what you...

6 Oct 2018


Give a man a fish and you feed him for a day. Teach a man to fish and you feed him for a lifetime.

I'm probably slightly misusing the proverb, but figure my sentiment is correct. It makes sense to teach people the skills that are most important for their lifetime. In f...

3 May 2018

Should we track our spending?

In the business world, it's not even a question. Every successful business tracks its spending in some way. Those that don't will most likely go bankrupt.

However, I read in a CNBC article that only one third of Americans track their spendin...

29 Apr 2018

I've had some questions about our property rental portfolio, so thought it might be interesting to do a post on it.

We like property as an investment because we feel the risk profile suits us. After a bad experience with a financial advisor scared us away from investing...

5 Apr 2018

Good news, it's been an average month. When it comes to the monthly costs post, average is good, excitement is the last thing I want to see!

That said, we did have a couple of fun events in March. Sally travelled to Switzerland to visit our daughter, and my sister came...

22 Mar 2018

Thank goodness I have some better news this week!

In last weeks post, I shared some of my investment nightmares. Mistakes that I made which cost me an unbelievable £427,000 ($606,000) of my early retirement fund.

Although that's a serious issue for me (do I win the under...

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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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