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.

24 Feb 2020

We've had friends to stay - one thing I've learned is that if you want visitors, move to a ski resort, you suddenly become much more popular. I'm sure they're coming for my good company rather than the ski slopes though😏. Other than the fun we had, here are a couple o...

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,...

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...

26 Jul 2018

One of the best things about making it to financial independence/freedom is that you get to buck the trend, do a little more of what you want, without caring so much about what others may think.

Before reaching this milestone, I certainly conformed more, mostly sticking...

31 May 2018

The cost post is quite easy again this month, nothing too wild has happened to throw us off course.

We did have a vets bill of £415 ($588) following a minor surgery for our cat, after which my wallet has a few less notes in it and the cat has a few less teeth!

Our grocer...

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...

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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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