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...

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...

4 Jan 2018

It's January, which means I've now been early retired a full year. It's a good time to look back at what's gone right and whether anything hasn't worked out as expected. In total, there are four posts in this Early Retirement Review mini series:

  1. Early retirement mon...

16 Jun 2017

I've said in an earlier blog about income that rental property is our favourite investment. It is what will provide the majority of our retirement income.

I suspect that there are other investments that can give a better return, but rental property is something that I f...

29 Mar 2017

I recently went for a run with my friend FJ.  We chatted as we ran, and had similar thoughts on various issues concerning this strange world in which we live.  But there was one area where we differed - FJ said that he wanted to earn US$1 million a year while I said th...

22 Mar 2017

Although I've posted our costs for January and February, I haven't said anything about the income side of the equation i.e. where is the money coming from to pay for what we spend, and what makes us think that the money won't expire before we do!

The reason I haven't fo...

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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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