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...

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...

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...

15 Mar 2018

Recently, SimplyFI invited me to give a talk on my journey to financial freedom and early retirement. SimplyFI is a non-profit community of personal finance and investing enthusiasts who help and empower each other to achieve financial independence. They're also the of...

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...

23 Apr 2017

This is perhaps a bit of a dry post, but one that I think is relevant to people who have or want to retire early and also to anyone looking to invest some cash.  On the brighter side, I have trips to London, Prague, Berlin and Eisenach coming up over the next four week...

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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