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I read a very interesting article that actually happened very realistically.

Read More: https://www.msn.com/en-xl/money/other/i-retired-early-and-regretted-it-why-i-went-back-to-work-to-continue-building-wealth/ar-AA1fBYHz?ocid=hpmsn&cvid=f2c759f9480f49fea02aa0d8288cc290&ei=16

this story is the same as what my cousin experienced, he retired early (at the age of around 35 years) now he is around 45 years old but there is an illness he is suffering from and he has to get proper treatment which quite expensive, so he sold some of his valuables and also withdrew his investment in shares.

as long as you can still make money, don't even think about retiring early, I know early retirement is everyone's dream but who knows what will happen next, you have to maintain your grades and productivity so that you stay healthy and respected by people.

It's the same thing that happens to millionaires like Mark Cuban, who after selling a company and retiring for a while decided that spending all day playing golf wasn't his thing.

And it's good that they made the decision to go back to work because having many millions, all the time in the world and being bored can land you in a detox clinic, or even more, dead from overdosing.

In the end the good thing about being rich and being able to retire is that if you feel like it you can retire for a season, like a long vacation that can be a year if you want. Then when you come back you work in what you like, what motivates you and with the schedules you set for yourself. It is very different to work for someone else on a fixed schedule that they impose on you and because you need money to eat than to work on something you like the way you plan it yourself.

Retirement is never in my mind with the current economic woes in our country and inflation and the value of our currency going down pensioners are losing their pensions worth and besides the body will become weaker when it stops doing what it used to do for so many years, it's ok to take a short vacation or rest but we should always find ways to make money and get the body to work.
The mind and the body will suffer from boredom due to inactivity and it happens when you retire from work I've seen senior citizens still working because they don't want to procrastinate, which will harm their well-being.
Our time to retire will come when it's time for us to go into this world.

I wouldn't have anything against retiring today, but only on the condition that I have enough money to be able to do the things I want and with which I certainly wouldn't be bored. Unfortunately, many people who do not have to work (for some reason) and have a lot of money, often do not know what to do with themselves, which can be a big problem.

I think that many people dream of early retirement because they do jobs they don't want to do or hate those same jobs from the bottom of their souls, while others you can't force into retirement even when they have to do it by law. However, many see their workplace as something more than making money, whether they enjoy the work they do or the people they are surrounded by.

I think it is important that a person has a goal and an interest in life, and then it is not a problem if for some reason he/she retires early.

Even those at work presently are not planning to get retired soon despite knowing that they are due for such, if the nature of work we do has some more important benefits it served us then we couldn't have wanted to get retired soon because of those incentives, power and the privilege we gave as an opportunity to have served under such capacity, if one retires he has no working opportunities reserved for his earnings any longer, but when one is tired already, he has to retire to get himself alright and leave by what he had worked for.

Retirement is good but it was designated to be at certain age. For instance in my country the legal age to retire is 60 years, but you can only work actively for 35 years before retirement.
I've seen a lot of people even after retirement, they still feel the urge to work again, because as human being you need to keep your mind and your body at work. Sitting down idol may lead to thinking and depression, but I won't advise anybody to retire at a young age, not minding the kind of money you have,  Because the world still needs your experience and expertise. If you decide to retire at 40, what the heck are you going to do with the rest of your life, because going to work or engaging your self is another way of keeping your body and mind sharp.
In my university for instance, lectures are allowed to work till they are 75 years old, except you insist you want to go on early retirement, the reason for that 75 years is that, they still need the knowledge of this lecturer's because there wealth of knowledge is second to none.

One more thing in my opinion, apart from not retiring early to maintain productivity, there is also something you need to pay attention to, don't think about retiring early if you are still single. It's a good idea to not only take into account your own cost of living targets but also take into account the addition of your partner and your children. Unless you want to stay single, that's an option.

In my opinion, the passive income target is at least to cover living costs and for future investments, only then can you retire early, if you can build large assets. As long as you still want to be rich, and your lifestyle becomes simpler, your assets will increase. Because sometimes we have to think about retiring early so that our health is maintained. But there are also things like my friend who retired early from his job because he was focused on being with his family, apart from because he already had passive income. 5 months after early retirement he was stressed and sick, then finally consulted a psychologist. The psychologist said that because my friend was used to regular activities, when he entered retirement he had no activities, relaxed, relaxed, his body became sore. So don't ever retire, currently my friend already has farming activities, besides investing.

I went through this actually. Before I retired early I already knew I couldn't just vegetate doing nothing that would kill me eventually. So I'm doing some occasional side-hustles (not for the remuneration obviously but more like for fun) and some building/house renovation tasks and small repairs around the house. That keeps me busy and doesn't let my brain to idle a single moment. I'm also adding sports to the mix occasionally that also helps a lot.

At least he enjoy his lofe earlier free from work. No one knows when will your sickness hits you hard. In your cousin case, there’s no guarantee that his earnings until 40’s will be sufficient enough to pay his illness expenses.

At the end of the day, We will become sick and our generation has low life span. His choice of early retirement his the best for me since he enjoy his life while he is still young since it's brutal that you work your ass until 40's then get sick while you are just recently retired. It's such a waste saving money using most of you life span just to use it to pay for your illness treatment then become poor afterwards when you get old in case you survive the illness.

Early retirement does not mean stopping working and living by the beach, but rather that working is a choice and not something obligatory, so that whether you work or not, you will be able to pay all your bills and live the luxury you want, and then you can do what you love and develop yourself. This development includes higher studies, including: A better body, extended relationships, a close family, and traveling around the world are difficult or almost impossible things if you do not have enough money, and then you will be forced to do something that you do not like or spend most of the hours of your day at work.

This seems more like the reality that most people who rush in to job are not passionate about the job but something else. That leads to greater job related dissatisfaction and poor performance and increasing number of vacations to avoid work while their actual passion runs out.

Those who actually go for their passions never really think about retiring, its like their life in another form. So I think younger generation should spend more time to look up their passion and follow that in order to avoid this consequence in the future.

Also in poor countries just having a job that pays you monthly is better because the free grants for the poor do not exist in majority of the world.

I think the OP and also those who are single should consider the advice you say, because a pleasant life is when someone is married and has good offspring. And usually people who give advice like this are also based on their own experience regarding early retirement and single life, but it is good enough advice for everyone so that they don't choose the wrong choice in their life.

People who are thinking about early retirement usually have made more mature considerations in their lives so they want to choose that option because they feel it is much better for themselves and their income too. You cannot equate everyone's desire to retire early because not everyone has the same job and there are many people who have more than one job. So if all of that has been considered carefully enough, I don't think it would be wrong for someone who wants to retire early as long as he doesn't feel any difficulties in his life.

I do not understand that a person who worked so many years working and making a good living can live without doing any work and get an early retirement. Frankly speaking, if a person can work, he should work till the time he is old enough to retire.

As per my experience, those who took early retirement either got engaged in some sort of illness and some who got early retire even died early after getting retirement.

Nature wants us to keep a balance between work and rest, Total rest and total work, both will lead to bad results.

I have mixed feelings about whether early retirement is good or bad.  It is as good in one way as it is bad in another.  If someone starts an investment or business after early retirement, the matter is not bad. However, sufficient capital is required for this.  If someone is very rich in family, then it is easy for him to do business after retirement.  But if one is in the midst of financial stress, it is nothing but foolishness to think of leaving one's job, business, investment or living in comfort.  If one retires for comfort or recreation without thinking about his next life course, he has to pay a heavy price for this decision.  Instead of comfort, life will become hell.  I would say retirement should be thought of with sufficient capital.  And many people's lives are involved with one person. So everyone should take a decision considering the pros and cons.

Totally agree. Retirement means that you're just reducing any work-related activities and you focus more on yourself and your well-being. Most retired people have an investment or businesses, so that even if they stopped working, they are still able to earn for their living. We should also take note that early retirement doesn't necessarily mean that a person is not happy anymore with their job. But it can be a sign that they have reached financial stability and independence that's why they retired. Remember that retirement takes a lot of planning and preparation and it was not an easy decision to make.


I couldn't agree more. You have to be prepared if you planned to retire in the future, because the moment you do so, you cannot turn back and change your decision. I believe that retirement is a bold decision to make, because you need to consider various factors before deciding whether to or not to resign.

Entrepreneurs do not usually retire early because their concept of “work” is essentially linked to the concept of “productivity,” which creates a state of mind in them that time is precious to achieve more productivity and that retiring from work means stopping productivity and thus complete stagnation.
Those who benefit most from early retirement are government employees whose productivity in their jobs is almost non-existent. The evidence is that most of those who retired early did not do any important work after that and were content with retirement salaries, which determines their concept of stability.

I think your cousin didn't make a good plan. He should have saved for a health care plan.

At least, he is now young and can still work.

FIRE movement (financial independent retirement early) is very popular in my generation,  and it can certainly happen

I think there is a lesson to be learned here from your cousin's early retirement!

I don't think it is a wise decision when your next plan is not feasible in the sense that it's on probability. Retirement is sweet when you have alternative to what you are currently doing if your investment has really matured to cover future expenditures and health insurance. You can't quit what you do for a living when your investment is yet to mature, its like taking risk when you know that the road is still blurry and to think his age, 35 is still very young to chase dreams and make more money.

I laughed hard when some people in the forum say they would retire if they made some amount of Bitcoin but it seems they forget that wealth accumulation is a continuous process, there is nothing really wrong in having more money if the source is not taking much of your time, the money coming from that place will help you cover some bills. Like your cousin, had it been he didn't quit that his job, who knows the money from his job would have helped me take care of his health and his investment would have continued to grow without touching it.

You have pointed out a good myth. Yeah, I would like to call it a myth because many people really think that making enough money and getting retirement at an early age is better, but I have seen people get sick just because they stay idle and don't use their minds that much. Don't get busy with any hobby. And in the end, their health got bad. And that's so unfortunate. And talking about your cousin, I hope he will get well soon.

I am living in a society where we don't have the concept of retiring and doing no work at all. Even in my family, I have one person from whom I take motivation, he spent 30+ years in a foreign country earning money, and when he came home, he had enough funds to retire. But he did not do so, instead, he started to do work in the field. He started to cultivate garlic and kept himself busy.

The point is, he is almost 60+ years old, and he is still working in the field and has now opened a shop too.

I have seen many people in their 70s who are working, not because they have no funds to retire, but  they don't want to stay free and want to be of some use in the community so that they can contribute to the economy too. And we all should not think of retiring at an early age. And to be honest, I am quite amazed to see that your cousin retired at the age of 35. I mean, people in my country start to do work at this age (some stable work).

I didn't really think about this as I've always thought in my entire life that retiring early means I can explore the world but what if you've got bored or don't feel accomplished at it  you'll be back working again? No matter how much money you save if you are getting bored in your retirement instead of enjoying it that is probably a sign that you'll be back at work.

It is still not clear and I can't digest this thought right now as I do want to have an early retirement and just relax in life but it is really better to work hard so that you won't need to work again at your old age because you don't have enough money.

The early retirement concept is misunderstood by most, cause they stop working once they reach a certain amount in their savings but it is supposed to be there are always sources of income even if they stop working which is passive income so even if they stop working their income will be still there which can be from anything which every individual has to pick up on their own.

But there is no retirement from the money, so if the incoming source stopped there is one day the savings will be exhausted sooner or later.

I think most of the result of the research conducted by the researcher is valid. I have never considered retiring at the age of fifty. The ideal age for me to retire from full-time job will be 60. Even after retirement, I will still be engaged in another simple part-time job. I will want to be productive till the end of my days. It might not necessarily be a paid job, maybe I can volunteer in an organization. Retiring to sit in the house all day, visit friends and families, or go on vacation will lead to a boring life. Even at old age, there is always something productive to do.

Money is not really the reason why I wouldn't retire early. My sole reason is that there will always be a problem to solve and there will always be an opportunity to contribute to society. Yeah, the world is unpredictable but one can also make enough money that will make retirement not to be financially burdensome.

That's what I have learned from a professional. I thought of it as well that retiring on the early 30s is one of the best decision that one can ever make. Well, it is and there's no doubt with that but you just can't stop working when you've used to it. I think the best description of retiring early is that you can have a flexible job and still make money and have decent cash flow. That means that you have all of your time and at the same time you're making money. The new retirement and dream is to have as much time as you can and getting out of the rat race. While we're strong and still able to make money, there's no word such as retirement. You get to work flexibly and you earn and you enjoy what you have. Just look at the real rich people, they never stop working but the workload is lighter.

You have a good point. I also did not give any thought on getting a retirement because I am a believer and a person who has some faith. And that's why I think we are meant to be working until we can. Because our work is a contribution to the community, the work that is pending due to my resignation will be dealt with on time. Other than this, I am still a student; maybe that's why I don't think about retirement. ;)

We actually can not predict how much we are going to need after retirement because we don't know the future and it is good to think that and accept the fact that retirement funds are not clear. I mean how can one know if he will not need funds in the future for health, or some debt issues? Or any other natural disaster damage. No one can predict future events that could destroy your plans after retirement. That's why people with retirement must have some backup plan and they should do some work that they think they can do easily in their old age.

Retiring young is a desirable goal for lots of people. It offers the opportunity to enjoy more free time, pursue personal passions & focus on activities that bring happiness & joy. It’s important to consider many things before making such a decision though. Financial stability & planning are vital to ensure a comfortable retirement & it's important to have a clear vision of how to spend your time in retirement to avoid boredom & depression. Some people may prefer a gradual transition reducing work hours or exploring new ventures instead of retiring abruptly. The choice to retire young is a personal decision that requires careful consideration of individual circumstances & goals.

Woa a guy openly advertising a ddos service on Bitcointalk? Saw it while scrolling and couldn't believe my eyes. Is this legit?  :o

https://www.talkimg.com/images/2023/09/20/68r0a.png

Sorry for being completely off topic.

In my opinion, early retirement doesn't have cons... it's when you settle yourself for the rest of your life and you can do whatever you want to do. You can use some money for some fun and make more money, but when you are not desperate for profit you actually have more chances for profit.

But some people can't live a life without a thrill... and they don't wish/can't spend time with their closest ones, it's too much bothering for them, so they wish to be the "bosses" as long as they can. Well, I am not in that story... With early retirement nobody would find me, I would be in some mountain village! The less contact with people is an advantage.

Some of these points really read like a communist pamphlet arguing why you should continue working as long as possible. All for the good of the Motherland, comrade!

If you don't want to spend your days on the beach, don't. There's plenty of things a retired person can do that don't involve working for someone and listening to orders, being punctual, participating in meetings you don't want to go to and being stuck in traffic.
Maybe you want to be with your children, maybe you want to learn a new skill? Pilot a plane, visit a foreign country, learn a new language, finally sleep as long as you want.

Maybe you feel bored without your job because you don't know how to live your life? Like that horse used to pulling loaded carts all day, once set free you don't know where to go. No load, no owner telling you where to go, you're stuck in the same place waiting for orders to come and for that whip to crack.  

The only one I can think of is less money, but I'd choose some money and a lot of free time over a lot of money and no free time.

early retirement really sounds boring to me, i work for myself and my family, i also have other needs that must be met every day, i'm running a small business here and it's never crossed my mind to retire early, still being productive is the best way to live a life imo.  my family has a fairly large cattle farm, 3 times a year we visit it and of course i will feel bored there because i am used to doing my busy life here, i enjoy what i do ^{(just like when i was on this forum)}

some people have the right to retire early or not, they must know what they are doing, so that there are no regrets in the future.

There's a certain age that one should reach before one thinks of being retired from work. It would be unwise for someone who is filled with productivity at a young age to think of retirement just because he or she is a millionaire. Human beings as we are, need something that will at least make us get involved in what will facilitate our body system all the time. Leaving our body system without internal and external stimulation will leave us less depressed over time even with our money.

We should at least get our bodies and brains busy all the time because when you get your body system to less function, it develops an unknown fault that can destroy your well-planned retirement.

Being rich like a millionaire or billionaire is not enough condition to retire from works. I agree with you that a person must be matured and experienced enough to have good financial management before officially retire from works.

Many stories from celebrities who earned millions or billions of dollar during golden times of their career but later in their life, they were broken financially. It partially raises importance of being matured enough for retirement. You can be rich, super rich but it is not enough to secure your finance later.

Starting a retirement is great but we should be ready to get back to work any time because life is never rosy.

Pros and cons are relative opinions. There are some people who still maintain their worker status for various reasons even though they have become economically independent.

Employment can provide something more than just financial, especially if someone is a socialist who is easy to adapt to the environment or even who is able to create a comfortable work environment for themselves.

My wife had 1 job from 22 to 55 she retired then 2012.

I do IT and sales. I have a btc,ltc,doge, gpu mining business. Since 2012 I have been mining.

I will likely work till 2030. But my work is not 9 to 5 in an office five days a week.

So I don’t mind working limited days and hours.

I agree with you, I don't think there is a downside to retiring early and it is everyone's dream but not many can achieve it. If we don't want to retire early, why should we save every penny to invest? There are even many people who fast and reduce spending to the point of harming their health in order to save and invest money in the hope of becoming rich. So, it would be a lie if someone said they didn't want to retire early.

Even though billionaires and geniuses are rich, they still work because their goals go beyond money, they want bigger things so they never want to stop. As for ordinary people like us, financial freedom and early retirement are everyone's dreams.

I think stop working or stop doing activities is not so good for our health. if we don't have anything that we have to do then we maybe not doing anything which is it will make us fat or thick blooded or loses our muscle mass or having a heart problem. even I think I will never retire although I become old, I will try to become productive as much as I can until I die.

Choosing to take early retirement is indeed a choice for an employee who works for a company, of course they have the right reasons for doing this. Most of those who choose to take early retirement are because they want to start building a business and there are also other things. Reducing expenses in a way that is harmful to our health is of course very detrimental to ourselves because we have worked and earned an income that is certainly worth using for our personal needs. I really agree with you that having financial freedom and early retirement is everyone's dream in living their life

Self-employment gives individuals a better chance of planning their retirement. One can easily adjust his tasks to suit his strength and age. With self-employment, full retirement might not be in view except for health or other personal reasons. Most well-known business owners are still working even in their old age. Some of them just hand over the day-to-day running of the business to other people but still make major decisions for the company. I would really like to build a business that will last for a long time so that I can also spend time on other worthwhile activities like community service.

Early retirement is not worthy for everyone. Especially those who do not have multiple or reliable sources of income. Moreover, there are many people who enjoy their time when they are at work. But when they take a break from their work they feel disabled which is not physically comfortable. There are many people who are very eager to go into retirement but after a while they regret their wrong decision. At work, an employee must plan well in advance what he will do after retirement. Although we all have a desire to move to early retirement from working life. Moreover, since it is a mandatory task, no such risky decision should be taken before the specified time.

If you don't have a passive stream of income to sustain you for the rest of your life, I don't think there's any reason to retire earlier than the age set aside for mandatory retirement. It is quite sad and disappointing to watch former government personnel struggling to survive in the middle of such nation’s current economic downturn and crises. It is better to stay in government for the time being in order to have a sustainable future, it will pave the way and allow for fewer years to be spent on retiring after work. If the new American dream is not yet a reality, it is best not to retire too soon.


Sickness is a natural occurrence that cannot be prevented. One can still work for the government and become ill, and their salaries will not cover their medical expenses. This is an unfortunate condition that no one wishes to happen to them when they are no longer in service. Sickness might strike at any time, sooner or later that you’ll never expect.

I don't think retirement is an option anymore since living your life doing nothing but continuing spending is boring for me.

I think the retirement age depends on your personal choice as a provider, because health is very much important more than anything else, and you would have plenty of time to spend with your family. It's not that bad I think to retire at an early age as long as you have more than enough to spend in your entire life. But a retirement doesn't mean you're going to do nothing at all, you could explore the world with your family while your business for example or investments generates money for you without doing anything at all.

I agree with you, as long as someone is still working and generating income every month, don't even think about retiring in the near future, think carefully about how much it costs for daily life. It's good when we are young to work in a company, the money we earn every month is for business, so that our time is not wasted, set aside money every month, then you can do business with fashion that you like, the business we run will continue to make money return. For example, trading businesses, raising chickens and so on. When retirement arrives, we are not too surprised by the amount of income we earn every day, because the business we built at a young age has succeeded in growing big and we are still continuing and maintaining the business

The rich people aren't even want to retire early, if someone argue they can because they have many autopilot business, you must know if they're still manage their business everyday. Of course you will not see them working inside the company, but they're work in anywhere, that's why rich people always carry laptop. The only one person that can give a final judgement of important decision is the boss.

People who retire earlier are don't care about money anymore.

In my country, people who are of a suitable age for retirement, being already retired, prefer to stay in the ranks and continue to work, but only for half their previous salary. For many, this is a necessary measure since there is not enough income, and for people who are accustomed to constantly working, that is, producing something, it is difficult to remain idle. But I agree with many who argue that retirement with a healthy financial cushion would be preferable to a constant workweek schedule.

After seeing how retired people leave and look in my country, early retirement is not for me and early retirement scares me. Retirement age is always increasing. Current retired people pension isnt greater than cost of living of people who are in full bloom. In my country aged people can not allow early retirement. It is hard for me to speak about early retirement, as I dont have any experience of retirement and that little that I know about it is nothing. I have heard many times, that people who retire, a busy only next years, but then they are somehow bored and lonely. They just spend more time at home, watch tv, fight for their health and wait for death. Early retirement is good when you have a lot of money. Early retirement for middle class and maybe to people who are above it is contraindicated in my country.

It is very unfortunate if people who have reached the age to retire are forced to work again because to meet their needs, it is necessary to prepare early for retirement. In each country, pensions are applied at different ages for those who are old so they can rest and maintain their health. or also because winning at an old age is no longer productive / maximal at work.
I think it all comes back to yourself, and whether you want to retire at a young or old age depends on a person's readiness to meet their needs. If someone is sure that they have a lot of savings and will meet their needs for a long time then there is no harm in taking a pension anytime.

You are absolutely right that it can be unfortunate that one is forced to work even after retirement.Such a situation is common in countries whose financial position is not stable and their economy is running badly.Even after retirement age, they have to work under compulsion because their financial position is not stable,and the condition of poor countries is even worse where people work till they die.People who have a good monthly income can prepare to meet their needs before retirement, but how can people who have nothing left from their monthly income prepare for their post-retirement needs?

Even in our country, pension is implemented for old people after retirement so that they can spend the rest of their life comfortably, but the pension of the majority is not so much that they can cover their monthly expenses.So they have to work again to meet their expenses.Of course, those who can meet their needs can retire at any time,but it depends on how much savings he has and what is his financial position.

If you are retired you will be receiving a pension which is close to your salary or even more that is why are others really wanting to retire. I'm not sure where you live but mostly I've noticed that employees want to have an early retirement as their pension is close to their salary and they are not doing anything.

Most of the reason why people are back at work is that they are just bored and they are used to doing work this is like your grandmother that they can't just sit and watch TV all day as they want to clean the house and do other stuff, so that is also the feeling of retirees.

Early retirement might be good for you if you can generate income every month, not just from your salary but also from the business you created. You can use your time to pay more attention to your family while you still make money from your business.

Early retirement is the goal of many young people but many of them don't want to work hard while they still have the opportunity to make money. But if they are willing to learn more to build a new, more innovative and creative business, there is a possibility that their business can grow. And once they grow, they can hire other people to take care of their business while looking for other business opportunities.

So if you can achieve all of that at a young age, maybe before age 35-40, you can think about stopping working and enjoying your time better with your family. And appreciate the time while we still have time to make something useful.

Money you got from your retirement in pension is not closely to your full salary when you still worked in office. If you had very good job before retirement, received very high salary, you will get good pension after your retirement.

If people had bad jobs, low salary, they will receive low pension after retirement. It's opposite pension rate and can make life of those elderly a little bit harder.

Some elderly get back to work because they love working and feel boring when they stay at home too long but not all people get back to work are like that. Many people have to do this because of money, they need money.

This is why many rich people don't know how to retire, they still work for the rest of their days even when they worth millions, it is in your blood, just like addiction to drugs, whatever your body is already used to can't be cut off, if you try it this could end up giving you something else, something that could have negative impact on you.

I want to retire too, but not retirement from making money, I will solely reduce my stress and put my money into something that will bring me more money, all I will keep doing is monitoring the business or investment.

I will spend my days studying my body, and I will start going into healthy exercise every day, this is what I plan to do if God willing, while we get older we need to focus more on our body and it's health state.

Retire from excess stress because you aren't growing younger, but do not retire from money making, hardworking isn't the best way to make money, there are other less stressful ways, and one of them is investment.

People retired when their age reach to 60 years so the government do not allow such individuals because now they are not able to do any job but they have allowed some sort of money in the form of retirement fund as well as monthly income without doing any job.

Retirement from the money is not possible because life without money is very difficult therefore a person must needs a pension or monthly income in any age of life. I saw many individuals who start another job when they retired because inflation is very higher to tolerate the expenses and a man itself can live simple life but he has to give all the necessary and comfortable opportunities to his children to sustain better life.

In most countries the retirement age is indeed usually around 60, and in my country it is 65 for men and 60 for women. Monthly pensions do not always provide pensioners with the opportunity to meet their financial needs and maintain a decent standard of living.
Therefore, some retirees continue to work part-time or help their family in business to supplement their family income.

Its important to know first our financial capabilities before taking decision about early retirement since if we don't gave enough funds well for sure we will be back on seeking a job. At late age its hard to find jobs since most of employer seeks for a young person who's physically fit so thag they will not get any problem. But as said if we have business to cover up our daily needs well its find to file a early retirement so that we can take care all we want to do while we are strong.

Taking early retirement is not as easy as it is talked about or done in real life, as you will need strict financial discipline throughout your life. If you retire early without proper financial planning and preparation, you will likely face a number of challenges and losses in your life.
The money you have, whether in the bank, in investments or wherever, will run out if it is not supported by income from work, business or other things. Because early retirement means not doing anything to earn money and only relying on the money you have. Unless you have a rented house or boarding house, apartment or something else that can support your income which continues to flow even though you use it.
Additionally, early retirement has a major impact on your health. Because your life will be lazy which can endanger your health.

Everyone wants to retire early but human greed is bottomless. When a person becomes rich, they want more and their greed becomes greater, so they don't stop because they feel it's not enough. In our eyes, they are truly rich people and if we were them, we would retire and enjoy life but for them, that is not enough so they have to constantly work to achieve their ambitions bigger.
When it comes to enjoyment and enjoyment of life, I don't think anyone can say no. That's why people with money often have strange and unique hobbies. To us it's monstrous but to them, it's what they like, our thinking is not like those rich people.

In my country, early retirement is possible either at age 65, or, for example, after 20 years of service in the army, police, or sufficient work experience in hazardous industries. If I do not have such conditions, then I will receive my first pension only at 66 years old. But if you already have enough savings, then you don’t have to work without any paperwork.

I don't want to retire, I guess it flows in the veins of many here that if it's about retirement we should be ultra rich for us to do that.
We just want to keep on working and if we don't do that, we're going to be weaker. That's like a belief that really happens for many working people.
But if given a chance that I'll get a huge amount of money and then that's going to help me set for life, I'll take the opportunity to do that. Maybe if Bitcoin hits more than a $1M, better.

Retiring early has been my goal since then. I just don't think my profession is in line with my natural skills and interests. I hate waking up early because I have insomnia. So my goal was to retire early from the usual 8 AM to 5 PM job.

And I actually did it a few years ago. I know the pros and cons but it's actually cool when you decide your own time. Although some of my business ventures already failed I am once again planning to set up another one. There's still a lot of sacrifices involved but I have no regrets.

I personally don't want to retire early, I really like my current job at least for now. I don't blame people who want to retire early if they hate their job, and forced to do that because that's the best they can do. Moreover, generally speaking with the current birthrate on the last decade, we already have less people in productive age, and it's already decreased the production thus give bad effect to economy, getting early retirement will only make it worse.

Deciding to retire early is the dream of many people, including me, but not everyone can achieve this goal when they have to be forced by shackled circumstances to continue being a slave to the company and following the instructions of their superiors. Believe me, early retirement requires considering many things, including long-term guarantees such as health insurance, inheritance guarantees that are very adequate and able to ensure that the people around you, especially the family, are guaranteed basic things every day. Don't pretend to follow other people's way of thinking about early retirement but the conditions don't support it at all, because that will only make life more difficult in old age. In my opinion, while the points above cannot be measured, it is better to work while you can and achieve whatever you think you can achieve from an early age. There are no limits to achieving dreams, maybe each person's path is different in achieving retirement with all the guarantees fulfilled, but still at the end of old age we just need to ensure that the people we love can enjoy together the results of the hard work they have been fighting for.

In the country I live in, it is a very difficult choice to retire early. I know a lot of old relatives and acquaintances who refused to retire early for fear of not having enough financial support to cater to their needs. Such a problem is even emphasized more now as food prices and utilities here skyrocketing. Hence, despite wanting to have the luxury of not working anymore and just spending time with family and to one's self or maybe even starting their own business that they've always dreamed of doing, a lot of working individuals here have no choice but to keep working and extend their contract. For them, it is hard to rely on their savings and whatever money they will get after retiring as it will not be a continuous source of income that will pay their bills until the end of their lifetime.

I'd say there is a big difference between most peoples normal retirement age and the story of your cousin quitting work at 35, it doesn't sound like it's going very successfully from your story. Illness can pop up for all sorts of reasons, but depression and lack of purpose can often create a negative mindset which is never going to be healthy. Besides that, most people retire past 60 and some of the points are very true. When people have been doing a 9-5 job for 40+ years, it can be a huge culture shock not to have a reason (at least in their mind) to get up in the morning, so they need to come up with new reasons and restructure their day to this new reality. Most people are able to do this, even they might have a hard time in the first year and finally figure it out, but some really struggle.

There's nothing wrong with early retirement and it's a life choice, whether or not it's right for you to retire early is up to you. If your reason is because you are tired of the work, then it is a bad decision to decide to retire early. Because if we look down there are so many people who crave the job you are doing.
But if the reason is quite reasonable and acceptable, then deciding to retire early is not a bad decision. And I have several friends who decided to retire early and they ran to politics and some ran to become entrepreneurs, because they know that if only as a worker then every month the income will be the same every month and even if there is a pension fund the amount is not much. Meanwhile, if they run to politics or become an entrepreneur, they will have the opportunity to get more money than a worker.

There's this one thing we have to understand about retirement, alot of people who retired later went ahead in doing other personal independent jobs to sustain a living, which means they were only retired from the work they were being employed to do and not really tired of work in general, knowing this, you could see alot of people who will tell you that they prefer to be independent with their job and be self employed rather than working for other people, if it were to his his own work, he will have to choose his retirement by himself without receiving approval from anyone.

My grandmother retire in her job after she paid for the government agency that can give her monthly pension every month after 20years. People here in us needed to work with that span of time because as what you have said they are afraid that the government will not support them after if they did not have a proper amount of contribution. We are not relying to the government but the thing is our govt will automatically deduct those money if we dont want to.

There are both problems and benefits to early retirement.  By retiring early, you can free yourself from the stress of work and live the life of your dreams.  No need to be subservient to anyone.  Whatever you say, the fun of this life is different. 
But life doesn't go on like this. Money is needed to spend life.  If someone decides to retire early, he must keep his bank balance in mind. Money is needed to survive.  It is not possible to spend human life without fulfilling the basic needs. And to fulfill the basic needs money is needed which is not possible to get through the dream life.  I don't think there is any alternative to hard work to survive.  Hard work is the symbol of good fortune.  But if one has a huge amount of money, he can feel free to retire early.  But I would say save enough capital that retirement shouldn't be a concern.

Early retirement is probably a good thing if there's an occupation. Otherwise, a person will feel excluded from social life and as if he or she is superfluous. Therefore, everything is strictly individual. Time pressure on a person is the strongest test.

Totally be depending on what those countries laws or whatever things that been implemented in regarding about pension. Same here in my country on which you would really be needing to reach up that particular years in

service before you would really be considered to be eligible or would really be granted with that pension on which means that you wont really be having no choice but to deal off with that requirement even if it would be against with your interest.Usually it would really be that 20 Years or on the time that you would really be reaching out 60+ of age on which you could really be able to have your requirement but i would say
that getting yourself @60 before you could be able to separate is really just that too much because you cant really be able to enjoy that retirement money because you are getting even more older
but somewhat having those benefits would really be a great help.

We know that even if we do have our kids, we cant really be assure that one day they would really be able to help us out on the time that we are old and weak.
So its better to mind yourself on having those supports when the time comes.

Pension funds is like pocket money which can be used on something but it is never going to be enough for everything. And in this modern era, most companies don't even give job security so forget about the retirement funds that is why we should prepare ourselves for our retirement. Born being poor is not your mistake but if you are poor when you die then its a huge mistake and we are in complete control of what is going to happen in the middle so let's make it work.

Planning to retire early or late depends on individual differences and purposes in life. It also has something to do with the type of country you are living in and their economic policies. If you are in the country where the government does not have much retirement benefits, it would be so sad to retire early without having enough to cater for yourself.
But if you are living in a country that is flourishing where the government has a very nice retirement plan for her citizens and friendly environment for businesses to strive, retiring early could be a very good plan in order to have a comfortable life without pressure and also, enjoy with family and friends.

I really like your sentence, Warren Buffet also said this when he was asked the reason why he was still working at such an old age. I also worked at a company that I didn't like where the work environment was very toxic in my opinion, when I lived there day after day, what always crossed my mind was to leave the company and enjoy life outside, in fact there were several obstacles that had to be faced. I faced it and it was not easy for me to achieve what I am facing now. I really dream of early retirement as being very beautiful, but because I have gone through financial difficulties, I have decided that I will continue to try to make money for me and my family, maybe until I unable to move anymore lol.

Having a permanent job and having a steady income every month is a dream for most people in this world because they can guarantee their needs every day, especially if we work as state officials or as civil servants, this is something that some people aspire to. Because when you become a state apparatus or civil servant, not only will your needs be guaranteed every month, but our old age life will also be guaranteed through the pension funds we get after finishing office.

And being able to enjoy old age with your family is everyone's hope and desire. However, if I decide to retire early, I think that would be too careless for us to do. I will retire "at the right time" not "on time". And what is meant by "at the right time" is the time when I already have enough money to guarantee my old life so that I don't rely on a child to be able to support me when I'm old and later and I will decide to retire when the business I started is running. smoothly so that I can feel calm when I pass it on to my children in the future.

If I ever want to retire, I want to retire to doing the things that I love to do. It must not necessary be work related it may be a hobby, a craft something that makes my soul sing and gives my life a sense of meaning. Something to wake up to everyday, this is the type of retirement that I want for myself. I despise the retirement of our parents where they retire, poor, tired, and riddled with a many health issues, financial issues and a disdain for the government. For them, once their jobs ends, it is like their lives ended to. I do not want this for myself.

The "live your life after retirement" is a usual pitfall the majority of people fall into. I've also seen it from myself, when I'm not working, day off, paid time off I'm making huge plans only to fall short on my expectations. Usually, I'm way too tired and unmotivated to do anything and I'm simply left to rot. I had great expectations during my 30 day leave from the military but guess what, I didn't even do 1/4th of the things I was considering to do.

The exact same thing usually happens with people who retire, young or old. You first take some time off to rest, then you're used to doing nothing and then you feel totally unmotivated to start being productive again. My parents have a few acquintances who retired quite early, at approximately 45 to 50 years old and they went bananas after a few years because they stopped being productive and had no purpose anymore.

TBH, retiring early doesn't mean you should completely stop working and start enjoying only, because then you're not utilising what you have (after early retirement) but only spending it, which means you're not productive anymore and just want to selfishly enjoy your life which will not only make your family suffer in the future once your funds are over but may also reduce the respect that your family had before the retirement. And don't forget that a person who doesn't work in life, is not less than a dead body IMHO so don't stop working. I mean, you can be your own boss then by opening up a new business, trying out new things instead of just thinking that enjoyment is the last stop.

There are reasons why many wants to retire early and it does not mean you’ll no longer make money.
Some may choose this due to health reason while some are doing this because they believe they are already financially capable and they have multiple source of income to support their daily needs and we all want this honestly. I want to retire early from work and do the things that I really want on my own but make sure to still have your investments active when you retire and don’t just depend on your savings.

yeah I can choose time to work and location to work.

Most mining is remote so I sit on a chair in my home in front of a pc.

Obviously I do to physical examination and repair gear. but I choose the day to go whit in reason.

Ie 5% of the gear down I do not make a 200 mile roundtrip to fix it.

10-15% I go check it out. next weekend

25% or more I go next day.

I can avoid the mine 20 -30 days most of the time.

say 20 in the summer and 30 in the winter.

Most people would like to be able to do this, but the conditions must be suitable for this. If we can earn the same salary in retirement as we did while working, we can consider retirement. It is very difficult for someone who has been accustomed to receiving a salary for years and has arranged his needs according to his salary, to retire by accepting an income less than his salary.

It may make more sense to retire when we reach our target amount of income with passive income or income from investments. The economy can change every day, so it would not be right to rely on our non-guaranteed income.

You're right about that but I believe the major reason why people mix the need for vacation and retiring early is not having a good understanding to differentiate between the two or not fully understanding the consequences of early retirement.
If people like Robert Kiyosaki who is well experienced and knowledgeable with investment, education, and entrepreneurship could wait till the age of 47 years. I don't think there's a point for anyone in the age range of 30 - 45 to retire early.

Unbeknownst to me, I also harbor aspirations for early retirement with a high but humble standard of living. When I mention a lofty standard, I mean the ability to decide to retire from my job; at the very least, I should possess a business venture that runs on autopilot and has the potential to endure for the next 10 to 20 years.

Perhaps the age at which I should cease working and shift my focus towards family is around 45 years old. At that point, I should have amassed sufficient funds for my children's education and all their needs. For me, setting this target is not a daunting task. Having retirement goals and objectives, at the very least, allows us to plan when the right time is to work even harder.

Not really. If I had a pretty substantial amount, plus some passive money-making assets, then an early retirement wouldn't really be a bad thing. I reckon those who miss a challenge or something along those lines are those who bury themselves in their work, not having anything else to do. It's hard to relate a hobby to your work as well so I can understand how it goes, but really, they should find something else to bury their time with since just looking at the sky is not an activity I'd want for an early retirement, that would probably be for a late retirement one.

People want to retire as soon as possible, thinking they will live a boasting routine of luxury, parties, trips, comfort and constant pleasure. However, most people won't achieve enough money to put all those dreams in practice. So they will have to get used to a life of boredom seated at the couch at home, watching TV and Smartphone content without new experiences, adventures, challenges, conquests and self-realization.

Life is a constant flux. If you attempt stopping that flux you get out of gas to continue living, just like a heart which stops beating once the flux of blood and oxygen are cut. Stagnation leads to diseases, so avoid it at all costs.

I would say retiring early and not working are different things and people confuse those two. Just because you retire, doesn't mean you have to sit at home all day watching soap opera, you can still retire early if you can, but then keep on doing something fun, could be a work you wanted to try, could be something else. At that point we are talking about something that would make sense because you would be doing something that will benefit you and profit you as well.

I personally like my current job, but if I didn't had this job and had one that I hated, then I would have probably just work to get enough money to stop and quit that job I hate and instead do the job I am doing right now, that would be a lot better.

Retiring early for me isn't mean retiring, and do nothing at all. What early retirement for me means is that, retiring for your long time job, then finding another job, or work that is less time consuming, or at least you will work a few hours on it. It means you have the freedom to work at your own pace, at your own will. No one will stop you, no one will force you to work. You can choose when to work, and when not too.

TBH, a few years ago, this is one of my goal. Retiring at early 40's, then live the life that I wanted without thinking of anything that makes me stress, but as years go by, I'm starting to realize that it will be very boring if I will do nothing at my retirement. I mean I want to be efficient at all times. I want to make money, but spending little time doing it. I want to do the things that I love to do. Retiring at your job means stopping from working, then find another work where you will be loving doing it. I want my mom to retire since she's in her age where she can just retire, but whenever I say it to hear, what she always says to me is that "After I retire, what will I do?", and because of that, I realized that it really is boring.

Retiring isn't mean not working for the rest of your lives because that would be very boring especially for those old people who loves challenges, and adventures.

Retiring early has never been better with the evolution of technologies and investments.

One of the true proof of the above mentioned is that of tiktok's founder. Retiring in your 30s makes it a whole lot of fun but you have to set such goals running from an early stage. It's better for people who've got good guardians.

Chinese individuals often find it challenging to experience contentment, even when their assets are more than sufficient to sustain their entire family for generations to come. According to the latest reports, Zhang Yiming possesses a wealth of $39 billion, with a significant portion attributed to his founding of TikTok.

However, I am not aware that this individual has opted for early retirement, despite being fully capable of doing so. As of now, it appears that he continues to contribute to his former company, ByteDance. Can you provide concrete information about the retirement of TikTok's founder from a reputable source?

Retiring earlier is not a good decision at all. People think that retiring early will be beneficial for them but it's totally different. Let's say a person who started working in a company at the age of 20 years. He spent 15 years in that company and now he decided to be retired. Its age is now 35 years, For the last 15 years he busy itself in a work from 9 PM to 9 AM. When he retires his routine will be disturbed if he works just say 4 hours in day, He will feel alone because he worked about 12 hours. If this routine goes on he will be sick and maybe he will die soon.

In another case, if he stops working just because he earns a lot of money then a time comes when he needs money, and for that maybe he starts working again on a lower salary so besides taking retirement earlier just take a long break, refresh your self and then come to your work again.

So in both cases taking retirement earlier is not good for your health as well as for your finances so do not take retirement earlier but if you have genuine reason then look after your retirement situation and make a plan for it. 

I disagree with you, there are some cases wherein retiring early can be a good choice for an individual. As many of the other replies have stated, we all have different situations that affect our decisions, in this case, some of us choose to retire early and some don't, for those who choose to retire early most of their reasons range from health concerns while others retire early because they are confident that they were able to get the financial stability they need and have other means to get income such as businesses and investments. Essentially, we cannot just simply state that retiring early is not a good decision in general as not all of us have the same situation and thus our decisions will provide different consequences and outcomes. Although I do not agree with your stated examples, it is still best to remember that there is another side of the coin you fail to consider.

According to someones preference because there are ones who dont really have no choice even if they wanted to retire early because of some rules which they wont really be having no choice but to reach up that

specific age required or years of service before they would really be able to optionally retired. We do know that there are really indeed pros and cons and its up to you on what would really be your plans
ahead in regarding about your retirement. For me its really that better to retire while you are still young and able to still wander around and could go whenever you do want since you arent that still old
or having no health issues unlike when you do retire but you are already old then it is really that something a problem or hindrance due to body condition.

Also you could really still be able to make out some business and ran for yourself without being that too tired because you are still that capable in towards that body
movement or condition. I dont know on what are others views about retiring early or not or they do just simply stick out because they do really love their work.

I have a hunch that by "retirement" a lot of people mean "sitting on a bench and doing nothing". Hence the controversial issues :)
For me, the concept of early retirement is not "collect money and sit on the couch watching TV". It is a period when you are already sure of your future income, and you can reduce your productive activity, spend MORE time on leisure and family, or your hobbies, and LESS time actively developing your business. But this does not mean a completely passive mode of life. I generally believe that "until the last breath" a person should be active - both physically and mentally!

Early retirement isn't the right term. It's much better to aim for fundamental independence, which means you can do whatever you want. If you want to work, you can. If you want to travel, you can. But if you don't want to do something, you don't have to. That's the kind of freedom I wouldn't mind having.

If that's the reason... it's quite logical and acceptable. Because I also understand how long we will be at the mercy of other people and become corporate slaves who continue to work to enrich other people while the salary we receive is only enough to meet our needs. So deciding to retire early and start an independent business is a good thing to do, because no matter how small the business we have, we are still the owner and no matter how high the position we hold in a company, our status remains that of an employee. However, before we choose to retire early, this must be considered carefully. At least you have enough capital and savings when you decide to retire early so that with this we can at least guarantee our lives for the next few years and have enough capital to be able to start a business.

I know a person who is filthy rich. The guy lives in Monte Carlo and he retired early. Well what he said is that people there mostly don't work but attend different clubs instead. Like a vintage car club, speed boat club, horse racing club etc... so the rich guys who don't have to work just meet there and spend time on their hobbies, having fun etc.

I think "Early Retirement" is a very subjective matter for all of us, while most of people think of early retirement at 30 some may achieve it at 40 and others at 50 it is still depends on how you are managing yourself, your work and the value you have financially. Early retirement is 90% talking about the money or asset you possess, and the 10% is contentment in life. For poor people  they might subject early retirement at 50, middle class at 40 and above middle class at 30ish. But for me Early retirement is just about things that can sustain you, probably a business that generates you enough to live day to day. If you are working on corporate, or office you might find frequent vacation an escape and do not really want to retire early, only if you love your job.

Yeah, just live your life and do not let things let you stop even a general mindset to achieve things. Don't get bored!

Isn't it the case that when we want to satisfy our hobbies we have to have enough money? Well, unless you are a wealthy person, it is not a problem. But it's good if you decide to retire early for the sake of your hobby, then the thing you have to do is to start a promising new business that can give you a profit every month. then after that mandate the company to someone you trust who can indeed manage the business that you have started from the beginning, but before you mandate it to someone else then you have to make sure that the existing business is running smoothly. So that you are not too worried if you entrust the company to someone else for your hobby.
And as for other things you can do is to invest or plant shares, so that you still have benefits even though you have retired from your job.

To me retiring isn't necessarily quitting the employment life in exchange for a laidback one where you can just frolic in the beach with friends and families until you die. More often than not it will still involve you having to find a way of earning money later down the line. The only difference being that instead of doing so because you're literally 2 paychecks away from starving to death, you do this because you want to do something with your spare time.

Working when done from a newfound perspective is a massive breath of fresh air. It's like you're doing it not just for the hell of it but also because it's therapeutic, much like what people mean when they say "I wanna do what I love." Early retirement is going to pretty much be like that. You have all the time in the world to do whatever you want, and you're probably still going to spend it working, this time not because you have to, but because you want to.

You're trying to say that you will still working when you get old? I think there's a right age for you to retire and start to enjoy your retirement. I know some of them is still have to work as what you have said they wanted to gain more of those benefits they get from working but the problem is are you still capable of doing those works. That's why when you are still young you have to think twice about saving your money make a used of it start from a small type of business or invest so that while you're working you have an earnings also from your business/investment and by the time you're going to retired you can focus on managing to it.

Well, I think that before one chooses to personally retire, they should have things well planned out as to what they can do next and also make a well-examined road map as to what their next plan is. Some people just don't give in to their deep thoughts as to what next step they must take before they retire, and that's why they may end up returning to another job after they have retired.

If one chooses to retire because they want to be the boss of their own as entrepreneurs, they can still be working as employees and still working things out in their career until they are certain that even after they retire, they are able to handle anything that comes their way, then they can retire.

early freedom from compulsory work would be nice to have at 30 years old. Share the time with a nice lover. Work a bit here and there. short hours top pay so time is not wasted on the job .  You spend it with your lover. visit the world . eat at nice places. see other cultures.

That would be pretty nice gig to have. a unique high paying skill.

maybe if your cousin invests more and has insurance maybe he can still continue to retire, everything has pros and cons, But im still prefer early retirement.

If you want to early retirement then you should have proper things like passive income one of the example is investing in dividend stock which can get dividend each quarter or every year. If you decide retire without passive income that will be bad.
The other case while you have passive income create new business it could be social media business like nowadays or sell something

I don’t think anybody truly retires young, they just stop having to work for people for money. Most of the “retired” people I know have replaced their jobs with other things. Sometimes relationships with people, sometimes hobbies, sometimes with a new business they run themselves for fun. I think retirement isn’t exactly a black or white thing.

If there are employees who want to retire early, it means they already have good savings accumulated, or their plan is to build a business with their retirement pay. That's good if they can stick to their planned plans. Because if not, they might say to themselves in the end "I wish I hadn't retired early".

Because I have seen a lot of people who retired early, they didn't make their plans, or others who built a business didn't grow or manage the business they built properly, and the rest of the retirement pay they received just went to luxury and unnecessary things that did not produce income for them.

My understanding is that early retirement is not someone's dream, the country could lose if many of them choose to retire early, unless: there are serious obstacles and problems faced by these users, for example, illness and other things, generally speaking, early retirement can have a bad impact on the country's economy, where they have to re-recruit employees to be hired, recruiting new employees drains a large budget for each recruitment.

As you said below is correct.

By maintaining good work values ​​and activities, it will have a positive impact on users and the country itself. Early retirement can be detrimental to the country as a whole from an economic perspective.

We need to think really well before making the decision to retire early and of course we already have a good plan after we take early retirement, what will we do with the money we get from early retirement. You are right that everyone who makes the decision to retire early certainly has enough savings to use if they want to build the business they want.
If we make the decision to build a business then we need to understand the business we are going to build so that we don't just run out of savings with a business that we can't run well and something like this will be very detrimental to ourselves.

I remember Ray Dalio saying. In your twenties explore all the things you can explore and find that one thing that excites you the most then master it. He then later said, don't forget to figure out how can you make money out of it. I think blessed are those people who find their job and passion as one. Or they are just simply hard-working and disciplined people who do things that the crowds aren't doing. When they work, they do it with finesse like it doesn't seem like work to them. They are just playing.

I think that's the greatest benefit of doing what you love, plus being paid for it.

I really don't have a problem with early retirement but what I have realised about career is it's something that helps you get a motive in your life. Which means after retirement your life would be very motive less. Unless you are someone who can actually create a motive out of anything then It's different otherwise it's not really a wise decision to retire early, instead work for your passion instead of just money which is a better choice.

great example, i immediately found out about him.
[1] https://www.forbes.com/profile/ray-dalio/?sh=427a7a36663a

Dalio retired as CEO at the age of around 68, it is clear that it never crossed his mind to retire at such a young age.  Dalio has a passion for making money so he doesn't see the activities he does as work, it's a hobby, his thoughts really inspire me more and more, what he does is 100% the right decision.

There will always be young blood who can replace your work. But you can always be the consultant or guiding force to these younger gen.
If you feel you need to retire from your daily job, why not? But you can always pursue where you are passionate of.
Because if you retire, and you won't do anything afterwards, I guess, you won't be very much happy, unless, you have lined-up your things to do that have been paused because of your job.
And do remember, not all people can afford to retire early. So don't worry about its significant impact on the economy of the country.
They will always find a way how to augment what's missing within their community. It is not the end of their lifeline.

There is no such thing as early retirement for those of us who are not yet financially free who have enough savings or have enough investment to be able to guarantee life after early retirement. I always ask my friends, some of whom really want to do this (retire early), so as soon as possible I will make them aware so that they can think about it again and can consider it again wisely. And the question I asked was quite simple, "Are you sure you want to retire early? Even if you work, your needs can still be met, especially if you retire early, do you just want your life to be even more miserable?"
And long story short, thanks to the questions I asked, I was able to make them aware so that they were no longer careless in making decisions.

Retirement or early retirement has pros and cons like you mentioned the most important thing is financial security because you need money more when you are out of job because now you will be running expenses to cover the work hours that you are now free. So you need solid investment that you can rely on, online business and physical business are all good depending on the one you are proficient in. Early retirement is good for people who have entrepreneurial skills so that they can also build their own businesses but those who don't have the skill of standing out on their own are those who don't really appreciate it.

That's right, a retirement doesn't need to be specifically about leaving a job that you've been doing for many years in your life and then sitting at home and living your life off of the money that you might get as a pension. People might also retire because they want to do something of their own, they might have found a way that can earn them passive income and they won't need to do a job anymore, they might have won a lottery and can live their lives happily without having to work anymore.

If we talk about retirement at a young age, I think only a person who has acquired a lot of money when they are very young might stop working but they will still have ways to earn more money, they will probably have a lot of businesses set up around the world which keeps earning them more when they enjoy their life.

Do you have fines for a person not working?
I don’t understand why you talk about retirement and then talk about online business. I know that if a pensioner works, then the pension fund may freeze or reduce his pension if the pensioner decides to officially work or engage in business.

I think retiring early is very bad plan. I would literally die off boring moments! Without challenges, without spark or vision in front of my eyes I can’t even think about life in me. It’s literally not possible to live just like that drinking, sleeping and enjoying the life 24x7. Without the purpose I would go crazy for sure. I believe having purpose makes real sense to us and this is what taught us since our childhood. You know we do big and small chores all the time, learn new things, work ourselves to make fortune and much more. These habits won’t go just like that. Moreover it’s also important to understand that once we go into work life we get used to it and can’t just let it go.  :)

If you have a good pension, then you can engage in any non-profit projects, charity or art. You can even play sports professionally. When you don't have to go to work every day to be stressed because so many people don't like their jobs.

Right, retired from corporate job but still continues to work with something else where they're their own boss. And it's much easier on this era because we've got Uber, food deliveries, car pools, etc. With those opportunities, it doesn't limit the age of the people that can work for those jobs.

It's becoming a word that literally means to resign or retire from the corporate world.

Retiring at the age of 50 or 55 is not too good because at that time the person is still strong to carry out activities. Though every country has their service years and age to be retiring workers. My country if you work in the Civil Service for 60 year of age as of the person age, then the person will be retired from active service but if the person service is still needed then, the institution would still hire him to carry out some specific service until the person himself says, he could not again then he would remove from the institution and replaced by another person.

Actually in this case early retirement is not too prohibited either because if you feel able to do it then I think it can still be done or maybe there are some conditions that require us to retire early it can also still be thought of but for this there are many considerations that we have to do because in the end early retirement we not only have to think about today and tomorrow but for a longer term than that.
Suppose we are at the age of 35 and decide to retire then have we prepared for our future provisions? especially for those who already have a family because the needs are not only for them but for families who must definitely be thought of starting from children's education or daily needs for us and our families whether the finances we have are enough to accommodate it for the rest of our lives.
Personally, as long as I am still able to work and do business like today, I will continue to do that because I realize that my dependents are still very large, especially since I am still not sure that my current finances are able to handle the needs of me and my family if I retire early.

Even though I think your opinion is a little off base (because we are discussing early retirement here) I am also interested in discussing this.

I think it is vulnerable to manipulation (re-employing people who have retired will only make young workers lose opportunities). Our country has its own rules regarding civil servants who retire, they are no longer given work, but usually before retiring they will be directed to look for side income in preparation for the moment when their retirement time arrives.

If we choose to take early retirement then we need to have enough savings to be able to use it to build a business after we no longer want to work as employees. Everyone who chooses to take early retirement of course they have different reasons, but if they don't think about it What will they do after they no longer work as employees Of course they don't need to take early retirement, it's better if they continue working at the place where they work as employees.

Most of our thinking about taking early retirement is to relax but you are right if you are not doing anything except going out to the beach after retiring for sure you'll get bored so having a business is better. This is also what I have noticed in retirees because if they quit their 8 p.m.–5 p.m. job and retire then that is the time they establish a business to provide them with another source of income.
 
As long as you are investing in a pension to prepare for your retirement  you are good but having a source of income after that is really good.

In essence, having a business plan isn't a strong enough reason to achieve early retirement. Before deciding to retire, one should already "possess" a business with a clear projection of sustaining and growing over the next 10 or 20 years. It's even better if you have multiple business lines, ensuring a steady income reserve even if one of the businesses faces a downturn.

A significant challenge for an employee is the time and energy allocated to preparing for retirement. Indeed, employees often find it challenging to maintain a strong focus on a business venture since their time and energy are already committed to the company where they work.

Even if you do some great thing and are wealthy at 40 after being not wealthy at 30.

Say you purchased 1000 btc for 6 bucks a coin. or 6,000 usd then sold them all at 67,000. You have about 67,000,000 pre tax.

You pay the tax in the USA about 20,000,000 leaving you 47,000,000 in 2021 and you grabbed 1,000 coins back at  16,000.  The cost is 16,000,000

You now have  31,000,000 and can do a lot with yourself.

 But I know I would not do

travel
fine dining
Broadway shows
concerts

and nothing else > it would be boring to me. I would still post here with a new name maybe.  But I would post.

Early retirement does sound very pleasant if we are in a situation of exhaustion due to work. Sometimes we imagine relaxing would be more fun. But as in the news in the OP, sometimes retirement can make someone feel bored. And in the end they miss work.

For me, early retirement will only happen when I have achieved financial freedom. This means I am free to choose whether to work or not. In essence, when I have financial freedom, I will do anything that won't bore me. Sometimes I work, sometimes I vacation, sometimes I relax. The point is that when you have financial freedom, it is better than just retiring early. Because financial freedom means we won't worry too much about money.

There is a clear difference between early retirement and financial freedom. And my choice is to have financial freedom at a young age before 40 years.

Retirement? Boredom? Everything here is relative. Some people might find relaxation in the mundane life, while others, like you, seem to thirst for something more, something... limitless. It makes sense to me. Taking an early retirement is an outdated idea from the past. And honestly? It's overrated! The old norms of business and labor are being rethought and rebuilt in today's environment. The grind of 9-to-5? Not everyone will enjoy it. To be financially independent is the real deal. Envision yourself, at age 40, in complete control of your life. Now that's power

And here's a fun fact: it's not simple. It requires planning, bold investments, and a sharp brain. And sure, while you're chasing that dream, don't forget to live a little. Get a good work-life balance by mixing in some downtime and adventures. In the end, it's all about being unstoppable, right? When you can live your life exactly how you want, early retirement seems unnecessary

You have a good point here, one that I'm sure a lot of employees such as myself will easily agree to. Most of the people I am associated with who retired early stated that the reason for their early retirement is due to the work-life balance they fail to have access to and hence they want to make up for that and live their life free from any corporate responsibilities now. As much as I understand where they are coming from, I am worried for them as I know that some of them only relies on their previous work for their income, and hence it would surely be a bloody process once they stop having that, it makes me question if they can really enjoy life without having the assurance of a steady income. Personally, as much as possible, I'd like to keep working as it gives me the comfort of knowing that I have a stable source of income, as for the enjoyment part I can say that I am doing that just fine while working, it just takes good planning and balanced lifestyle, I don't have to give up one thing to enjoy the other.

Early retirement must be based on strong reasons. Those who decide to retire early have various reasons, some are getting bored with the rules at work, there are those who want to manage their own business and there are also those who are lazy about doing the same activities every day. For those who want to manage their own business or want to form a new life to be more independent, early retirement is a good decision.
Many people retire early but don't have a clear reason why they made that decision, ultimately their lives become chaotic due to not having a regular source of income every month.

I just want to add to what you said: the other ones who want to retire at their early age are because they have to work, they are tired, or they don't want to reach 60 years old with their employer because they are old nuns and they will never enjoy it, even though they say they have a huge retirement fee.

So the other retirement is cautious and is really wondering if they will allocate their money when they are in their hands. They do not want to suffer just because in the long run they have suffered, and any of us do not want that, of course.

Retiring early has its cons with the top of the least as finaiincial constrain especially during a challenge, except someone has a trust fund but if you don't the only way one can secure an early retirement is by putting certain things in place, like multiple streams of income importantly multiple passive income. In other to stay active its advised to pursue other passions and desires.

Retirement is usually done at an older age. If it's done early, I think there is also another term for that. There are reasons on why an employee can do it and you already gave a few of them. Another main reason is they can't stand the environment that they are working with.

For those who don't have enough savings, I think they are still qualified to apply and work for another job. It's not wrong to treat our selves with the things that we are always dreaming of. We work hard for a long time so we deserved them. We can still sell them if we are in trouble financially and we wouldn't regret it totally because we already experience using them.

To those who do make out some decision about having those kind of early retirement then for sure they would really be that confident on the time that they would really be seeing that they could be able to sustain

themselves on the time that they would retire onto their dayjob which they do know that this is their main source on which means that they might really be having other income source which is really not totally
relying or depending with their job and now that they have decided on retiring and minding about having their time to mingle and go out which they hadnt done before due to nature of work
then its not really bad to have those kind of aims as long you arent that risking out that much about your finances or you do know that you could really be able to sustain on that.

We do know that its not really that something enjoyable if you do really just that pushing yourself on working until you do get old and with those retirement money or amount
on which it is something that you cant really be cherish out because of your body condition and this might be one of the reasons on why people do really retire early.

Nobody should retire from making money but retiring from working is what the dream is. When you retire, you stop working actively for money but your money can always work for you until you die. It's smart to retire early and I don't see any problem with that provided you have made enough money to consider yourself to be financially free and to keep that status of been financially free, you have to make investment that generate money for you without you been actively present. Everyone desire an early retirement so they can spend time with their loves ones or do things they love but to enjoy that, we have to make use of our early days in service (working) to make investment that'll help use retire early.

If you're not yet financially stable (that you can't live without depending on steady salary) then there's no need to retire. Don't get pressured by those doing it because you don't have the same financial backing that they do. We need money to live comfortably and if you don't have the opportunity that others have to leave off money made from their investment then keep working until you have been able to save enough money for investment then you can retire. When you're financial set for life you won't see any Cons for retiring early but only Pros as it gives you more time to follow your dreams and explore the world from a different point of view.

Early retirement is not the correct option,because you can earn after the retirement.But the sudden medical expenses you need to sell some assets or stock which will push you backward a decade.So it’s better option to work atleast till your 50 years which help you with the medical insurance which was covered from you salary.The medical was the unexpected one for now,even my mother and father had get into the health problems.Being a freelancer,I had suffered a lot to manage the funds for medical expenses.

Posting here is not work ;)

I wouldn't need 30 million to retire and feel wealthy. Where I live, you're really wealthy if you have $2 million in properties. You don't even need that much in the bank. A typical house is worth 500k, so with $1 million (or the same amount of EUR) you can buy a house and 2 rental apartments that can pay all your bills. You can spend the other million on whatever you like like travel, cars, schools for your kids, whatever fits your lifestyle.

Let's say I'd sell all my bitcoin at high price and have 2 million in cash to spend on whatever I want.

1. I'd never work again that's for sure.
2. I'd never be bored. I have so many hobbies that I'd spend years doing the things I love.

You wont really be finding yourself to have those kind of problems when it comes to medical expenses if you do have just put up some budget on medical insurances on which we know that it does really give out that kind of

benefit specially if you do know that one of your family members are really that having those kind of body conditions specially when we do get old on which you would really be somewhat lessen up the burden since you do know that there's something that supporting it.Speaking about early retirement then it would really be totally depending on someones preference because there are ones who do love their work or job on which
even on the time that retirement age had been hit up, they do still refuse on retiring just because of that love of work but since efficiency is already that affected then agencies or companies would really be
needing to lay off to those old workers.

The pros on retiring early is that you could really be still be able to enjoy on the time that you had left specially if you could still travel and your body isnt really
that suffering by any sickness or some issues unlike when you do retire of being old then you cant really be able to enjoy that much your retirement life.

Every body want to retire early. Who wants to work when they're old. It isn't a problem wanting to work in old age if you're getting bored but feeling you've got to pay bills so you've to work isn't good for health. Controlling when you're going to work's the key.

Setting schedules or lengths of vacations isn't some thing most ppl can do. It's something we dream about. If you're rich you're able to set all dates timetables to suit what ever you're life allows. You can't retire unless you're going to have an amount of physical actvity or else you'll suffer from boredom.

It's not necessarily the "retiring early" that we're actually looking for at this point. We're searching for the comfortability that retiring early brings. We want to live everyday not having to drag ourselves to work to a job that pays us peanuts. We wanted so much more than just being a statistic in the system and doing what we're told until we either get fired or die. There's no cons in a living state like that. A lot of us will choose that life over working every day even if we're given the choice of living comfortably in both scenarios, cause at the end of the day we wanted stability, we wanted to live our lives not having to depend upon employment in order to survive.
When that's taken care of, we're able to really look into what we wanted to do with our lives, that's why we see people who have just retired going back to work, that doesn't mean their well has run dry, it just means that they are able to take that leisure of going to work not for the sake of money but for the sake of working.

It is the mistake of many people that I've seen that they've regretted. There's no such as early retirement if you're going to rely on your retirement funds.
Take the example of richest people in the world, they have the ability to retire whether it's an early retirement or not but they are capable of doing that but just being themselves despite being billionaires, they are not retiring.
Well, for a simple living person having that much riches you'll definitely have to choose your retirement and live at peace until you die. But that's not the case for these borned businessmen as it's like embedded into their genes to never stop working.

Early retirement isn’t a very patronized idea for me. While you try to seek early retirement, there is so much that you could do with your youthful strength and intelligence.
Youth is a time to build, to channel not just your youthfulness but resources as well to the development of yourself in the things you can archive through what you have available at your disposal.

Retirement is an idea that comes in play when you can no longer do those things that you could easily do with your youth and thus rely on what you’ve built through your lifetime for survival.

I wouldn’t advice anyone to be in a haste and fast forward what would be in the time due.

      That's correct, this senior gentleman caused my former coworker at one of our local government offices to retire at the age of 60. When he finally did, he continued to hunt for a job while he was awaiting his retirement benefit since he didn't want to rely on his children's assistance.

      As long as he is able to, he will continue to work; nevertheless, don't put a hardship on his kids. However, it is rumored that his goal is to leave his children the retirement money he would receive in order to start a microbusiness, etc.

Good point here. Yes, there are various reasons why individuals chooses to retire early as every single one of us have different situation that some may not be able to understand. I'm sure no one will just retire without a valid, especially if they are aware that their job is the main source of their income.

Your example reminds me of an elder I know who retired due to old age, but since he's still physically suitable for work he found other easier job with shorter working hours to spend his free time in and make more money that can provide for his everyday needs.

That’s why early retirement should be planned ahead. If you plan well, early retirement can give you the chance to explore new passions and interests, which might not have been possible if you were still employed. With sufficient money to sustain your lifestyle, you can overcome the challenges that you may encounter and explore new opportunities.

Maybe this will provide a little enlightenment regarding finances in retirement and when you become a worker. In the case of workers, very few employees are able to reach a stable standard of living, not because salaries are inadequate but because wages are stagnant. Indeed, in some cases these employees are able to metamorphose in the world of work, namely being promoted, but there are also quite a few employees who are stagnant in their positions in their offices. This is something you can think about again when you want to make the decision to retire early.

From the little experience I got, some employees set aside their salaries to save and invest in property or as capital to build a business. All of them that I met had the reason that if they had an investment or a business that was starting to run well, they would take early retirement to be able to focus more on developing their business. in this way they will not continue to be employees, but will turn into bosses. Yes, although quite a few also experience ups and downs along the way, this is a normal thing in the business world.

My plan is to retire early. Cryptocurrency is I think my gateway to that early retirement as I am trying my best to accumulate as much crypto as possible. If I profit enough, I guess I'll make a business out of it that can produce income to me without a burden job like having multiple rentals or flipping things in the market. It suck to work on a job but it is currently the one that supply me money to buy crypto. I don't plan to live a glamorous life after retirement but I want to have money and asset that can make me survive and live longer without the stress I'm currently having.

That planning won't be exclusive to you we're thinking the same. I'm stacking sats I don't want to invest what I'm making from sig campaigns. If I get web dev jobs (https://bitcointalk.org/index.php?topic=5466027.0) I'l be paid in crypto so I'll save it. Like you I don't want burden on my old age so money's needed to make me live better when I'm old.

I don't have money to investment so can't say if I'd investment for retirement. It's living with guilt if investments go south that's making me cautious so I'll keeping stacking sats unless I'm sure my investments bringing returns.

Your goal is simple but it looks like it will be fun if it is achieved. And I like your intention not to live too glamorously when you succeed in achieving your goal of retiring at an early age. Basically, early retirement can give us more relaxing time and live more comfortably. And it does require quite a lot of money which we have prepared for this purpose. And we also have to have passive income to make us more comfortable and not worry about not having enough money when our savings run low. But apart from retiring early, I think it would be even better if we also achieved financial freedom.

What's your best retirement age to be in good shape. If we could retire today we'd all retire but life isn't fair. Workers living in the west dream different to workers living in Africa or MENA. Fate doesn't provide options equally some live day to day getting by so dreaming about retirement's all they've got.

It's not an easy thing, everyone really wants to retire because of course almost everyone doesn't want to be tied down to work and wants to be free to do whatever they like, but again, if everything is constrained by money, even though they have prepared for early retirement, not many people have the courage. take this decision if there is no strong guarantee that your finances after retirement will remain secure or stable.

People who want to retire from their jobs are people who have made special preparations regarding their own finances, both in terms of income and expenses. Because if someone retires because they are bored with work and are no longer comfortable with the environmental conditions where they work, they don't have any preparation for their life after retirement. I think that would be quite ridiculous for someone because he would struggle from the start to get a better life, while he still doesn't have the capital to open his own business after retirement.

All of us want to have early retirement. Even right now we want to quit this 8 a.m.–5 p.m. job and retire but the problem is that we are not financially able. If we retire or quit now we go broke and live on the street. That is why you are right that we need to plan it ahead and also make sure your finances are in your favor. But right now there are people who prefer to work because they get bored and have nothing to do and others want to work again as they have no income.

Nobody wants to live on the street after retiring so that's why we've got to start saving now or invest wisely or else it won't be possible to retire early. What's the point of working all of your life only to live in financial pain during retirement. Working 8-5 doesn't provide enough to save for retirement.

Fate doesn't treat ppl the same there isn't equality for all. Nearly all ppl living in Asia, South America, African & MENA countries aren't receiving same opportunities as ppl living in the west. They're two different worlds.

Even if one is in a position to retire at an early age due to financial success, they may still experience feelings of dissatisfaction, boredom, and loneliness. If they are already sedentary and do not exercise regularly, their body may become diseased within three to four years, and their muscles may become rigid and painful. If they are tired of working and would like to take a short break to spend time with their family, they can do so.

There are people who have the mindset of retiring when they reach 60 years old, and there are others who have the mindset of early retirement because they want to use the money they get from their retirement fee in business, and so on.

And for the others, who took 60 years, what they are chasing is a pension that is big for a month, although in early retirement, my pension is also the same. so that even if they don't have a job anymore, they can still get a monthly pension, something that I saw in my relatives. But there are others who don't seem to have enjoyed the retirement fee they got.

I agree, it is really really very hard to retire at early age if your company job is your source of income or your retirement fee is good amount but then you are afraid to start your own business or start your own life from now on, it really requires a lot of courage. I know that because it was the struggles of my parents when they start to retire it is hard to adjust and live in the first few months but it is fine after you adjust.

If fate doesn't favor then man has nothing but ignore it. Every man is mortal and must die. However, if one is diagnosed with a fatal disease before reaching the appropriate age(old) , nothing can be done. Not everyone can retire at the age of 35. It was a joy for him as he got into retirement but everyone has to worry that he has a future. If early retirement comes, then it is natural that his later life will be rough. On that account the mentioned person must have needed to make more assets or if he had kept some money for his emergency rather than putting all his money in the shares then he would not have to sell the shares.

I don’t agree with the OP on this. You should retire if your passive income is strong enough. Especially if you are working as an employee, you should get retired as soon as possible. You may start your own business and keep yourself busy later on but never ever work for somebody else. It is because if your paycheck is $2k, you are probably giving your boss $2k for the work you do. In other words your employer is getting rich from your hard work. I know most people don’t have much of a choice at the beginning but it is not your destiny to die like a work horse. You can build your own financial empire while wageslaving. (Assuming that you are making more than the minimum wage.) it will take some time but if you make the right moves you’ll be financially secure before your 50’s.

Well said, I actually agree, cause if you're planning to retire business is literally the key. If you own a business, you are the boss and you handle or manage your own time which is really for a retiring person. That's why if you're still working for a company or corporation, it would be better to have a plan to achieve, cause it would literally drain you to act like a robot everyday, working without a purpose like you are a slave. Set a goal, like for 2-5 years with that much retiring money you could build a small business, ready yourself with the risk as you have plan A to plan B. Don't rush and be patient as well, cause it might take time but it will secure you when time comes.

If it's possible to put funding in place so you're able to retire before 50 it's heaven. It isn't a nice feeling you're going to work when you're old and grey because you didn't invest or save when you were young. If you're running your own business it's different but if you're an employee you won't make it big. It isn't easy building your own financial empire from wages but if you can avoid working like a horse when you're young and old it's worth a try.

If you have plans to open your own business, that means you are not really retiring early, you are just changing the way you make money (from an employee to an entrepreneur), there's no need to rush to get out of the job that's giving you good money right now, you're just feeling bored or fed up, or maybe there's a problem at work that involves you and your friends? if yes then finish it well or go on holiday for a while to clear your mind, surely you will return to work with enthusiasm.

This is a very subjective topic op. Firstly, no one knows how long they will live which is why retiring early is preferred over retiring late. Imagine saving a lot of money and retiring late only to expire shortly after. Crazy regrets!

Secondly, most early retirees are happy with their decision. The ones that you mentioned are part of the minority who can always come out of retirement.

Fate would definitely be one of the factors on which it would determine out whether you would live a life longer or not which we know that there are people who dont reach out that retirement age but had already experienced out those unfortunate conditions on which we didnt really been able to hope for. Retirement on age 35? On the time you would really be able to reach this then it would really be just that you had won up something big on lottery or getting some inheritance or do able to succeed on business but if we do talk about on your day job then retiring on this age is not possible.  Life is indeed rough and things wont really be just as smooth on what you are anticipating on which decisions would really vary whether you should do this or that just to make yourself put up on a situation on which it is really that better.

There's no way that we could do or tell on whats ahead and this is how we should really be that doing our very best and cherish out every moment that you do have on this world because we dont know
on how long we would last. Speaking about retirement then it is really just that too soon but if thee are some opportunities of better things then why would
tend to ignore or reject it out?

I disagree with you. With the current condition of the global economy, more and more early retirees are back to seeking jobs and any sources of income. While it is true that retiring early allows people to finally have time for themselves and enjoy life, majority of the people see it as a hard-to-reach goal due to inflation and the possible hit it will cause their financial stability once they choose to stop working. Hence, I wouldn't call this a subjective topic.

Indeed, it depends on the circumstances, not all people who have retired early have lived a happy life just like others. Retiring early would mean smaller monthly pension in most instances. Sometimes, the money they are getting on a monthly basis, is not enough to have a satisfying life. But this is not to invalidate those who have retired late but did not manage to enjoy things because of certain conditions such as medical health and responsibilities. It depends as well on the lifestyle you are living upon your retirement whether it would be sustainable or not. It could either as well be dependent with how an individual handles his/her finances well upon retirement. But if it were in my case, i'd be fine retiring at the max age if i have no other sources of income such as investment or business but if I have ofcourse i'd be choosing to retire early and to enjoy life at its fullest.

There aren't guarantees in life. Retiring early doesn't guarantee happiness or working until you're old and grey won't guarantee it. What we're unable to ignore is money's going to help the most when retired ppl aren't getting a wage. They'll be depending on investment or pension so they've got to be careful when they're planning for the future. I'd like to retire today. It's about their circumstances but I don't want to work when I'm old and frail. If you're careful where you're saving your money now you'll be able to retire early.

Why do we need to retire anyway and what is left to enjoy in old age when the only enjoyable things for you will be sleep. 

My goal is simple. Keep working as long as my body can and enjoy life along the way bit by bit so that i won't be stressed. Along the way i will keep investing my money in assets which will cover my expenses when I am not able to work anymore. Our lives are short and it is true that if our lives expire shortly after retirement, it will be a regret.

Because we don't want to work until the day we're dead so we'd like to retire before old age visits.

There isn't a guarantee lives become shorter after retirement. It's fate we don't know what's going to happen. Life's short so let's ask what you'd say if you could retire tomorrow on $3000 month pension would you retire? I'd retire if I could.

What's so bad about that if i can work until the day before i will die. I would be proud to have such a challenging life. Lazyness makes humans sick and drains a persons life force.


There isn't a guarantee that lives will last long after retirement as well. So why wait till the retirement! Enjoy your life when you can. You don't need to be retired to enjoy your life. If I get a $3000 monthly pension i would start investing it in assets and start doing a side business if my body has the ability to do that. Only lazy people will sit on a chair and wait till his death by saying i am retired.

I like your outlook. You've got strong views.
 
Yes I'm enjoying life but I've got years to wait before I'll retire. I don't know when it's going to take place but even in retirement I won't sit on a chair and wait for death. I've got plans to keep busy so that's what's motivating me.

That's actually the retirement plan, we'll just do the lesser jobs but typically we're all set for life we're not just going to sit and wait for nothing to happen. Our body will look for those activities that we used to do and if we don't, that's likely going to make us weak.

A good retirement plan that everyone seems to be telling the same thing when I talk about going into their retirement age. They will just retire in the corporate job but that's not the end for them to stop doing what they used to do and to make themselves keep busy. And whatever is the outcome of it, will be able to make use of it as an additional income if it's like a side hustle.

Then why do you want to call it a retirement plan? You can say it's just a readjustment of our lives from a grand area to a short one. Life can be enjoyable and profitable at the same time. You can turn your enjoyment into your profession if you know how to do that. I saw many people start their own vlog after they quit their job due to health issues. Some even started cooking courses online.

If you decide to keep working then there is no reason to retire early when you are still comfortable with your previous job and high monthly salary, we have allocated time to work and enjoy life so there is no problem continuing to work until retirement, except for subjective reasons If he is sick or can no longer work, he applies for early retirement to get severance pay for his medical expenses.

Applying for early retirement is not the best decision if you want to enjoy your youth without being tied to work, even though working for the government or working for a company provides free days off to enjoy life, so enjoy both so that you have finances for the future and assets from the results of your work.

Thanks you've simplified the retirement plan that's how it is. Side jobs for additional income if it's available. Enjoying life keeping busy.

If I get there I'll spend quality time doing activities which make me happy. If I'm able to enjoy life with out worrying about wages because pension's going to fund me I'm going to do it. If side jobs or investments help in retirement it's a bonus. It isn't different to what so many other ppl aim to do.

That's actually the goal when we retire, we never just quit or forget to do jobs. We'll still do it but they're not that much the same after all. While we enjoy, we get to earn a bit and we're already happy with that as we enjoy the things we do.

Yeah, that's the main and end goal when we retire. That's the ideal one that we should be aiming for as we retire, sadly in my country, the sandwich generation is still on it. Many of the parents now grandparents are still going with their children as their retirement fund.

Early retirement will be the better option,if you have some assets as your backup.Because the business alone help us to earn more for ourselves as compared to the regular salary.If you had enough backup of the assets,you can take the risk of the quit job and do the business which you like and your interest based business.So if you do the business which you like will help you to get self satisfied,the involvement to the game also more.You can give your hundred percentage in the business to grow yourself.

You proved yourself why this is a subjective topic. Think! The number of early retirees who seek jobs which you mentioned are part of the minority while the majority are completely happy with their decision and won't come out of retirement.

Also, this isn't the first time that inflation became a thing and the global economy is already recovering which you clearly failed to observe.

That is why I am really hoping to take advantage of the expected crypto bull run maybe next year and 2025 so I can have enough capital and savings that is to survive while the planned business is still striving in its market. I am also planning to stop a part of my regular job in order to give more attention to a business. Having a successful business is really the main goal so we can retire from our regular jobs. So I am once again willing to take risks once I have enough savings. Right now nearly all of my monthly savings go to bitcoin and some altcoins.

There are others who file for early retirement because they have no other choice. How did I say that, for example, in the past, if they were employed by one of the government agencies in our country, there are other government employees who were forced to do it because if they did not do it, they would not get the retirement fee? Because the management changed that if those who have worked for 30 years of service have been given early retirement.

That's why even after they got their retirement fee, they are still looking for a place to work because they think they can still work. The only sad thing is that the benefits are no longer there, unlike when they were in government, when they were really complete. So on the other point you mentioned, I agree with it.

The majority of people who are still happy with their decision not to come out of retirement are considering their own age, which may no longer be suitable for working like younger people. So the majority still have to be grateful for the things they have got and enjoy their pleasure with their current life, while those in the minority are still looking for work when they retire because they don't have enough money to continue living in conditions like now, so they are forced to to look for work to be able to meet their own living needs at this time.

If inflation and the global economy have begun to recover, this is actually quite good for those who are very vulnerable and have often felt the effects of inflation and an uncertain economy during this time. Because I believe that some people who are really ready to face any problems in their lives - really don't really think about and observe the problems of inflation and the global economy so that some of those people don't realize that inflation and global economic problems have recovered.

Reading the snippet of the article kind of screams people that opt for early retirement are people that are just in need of a good vacation to get their batteries recharged for a new challenge and not that they needed to retire...am pretty sure such people miss the sense of belonging, the sense of being a team player that is required to do their part of a project to progress otherwise when that phone rings less, your friends/colleagues get too busy for you such that you seeing people less can affect your psychology and want you to get back working says retirement isn't for you.

But if you got into the job market for money and get to have it, I see no reason to stick around when you can spend this time with family and maybe run your own business with your own term's.

Apart from being grateful for the work they do in government or private agencies, I think they have no other choice but to survive until their retirement arrives. Sometimes continuing to work at an government agency is a safe zone for most workers because they depend on their monthly salary to meet the basic needs of themselves and their families. But it is always difficult for them to enjoy their old age well if they don't have enough savings. Most retirees have to rely on their children for meet his old age needs, but if they have additional sources of income in one way or another while working and then that is where the difference can be found.

Meanwhile, someone who retires early from their job so they can focus on their business is also not a bad choice. Sometimes that is a difficult choice for most workers, but if they really focus on building the business they have been working on themselves then that is where they will feel something different. We have seen that not many non-position government employees (ordinary staff) work 30 to 35 years, but they never become rich without side income. They are all in a comfort zone where 99% of their salary is only sufficient for family living costs and accommodation costs at their place of work every month. That's how it is until they retire.

But that would be semi retired not retired.

My wife and I are 66 and 67. She retired in 2012 at 55 after working at 1 job for 33 years.

I got my  pension last year. But I mine and make money in sales ands I am self employed for years.

I make my own hours. I would find it impossible to work 5 days a week 8 hours a day.  but 2 or 3 hours every day via internet and some trips to the mine 2-4 times a month I will likely do for years to come.

I like the work yet I also have a lot of time to spend with the wife.

This Sunday we went to the beach on the Jersey shore. Walked for 75 minutes. Then went to a restaurant ate German food then drove to Six flags great adventure and went to 3 shows of fright Fest along with a few rides,  A long exciting day.

Saturday it rained like mad we slept in . Played  for a few hours ate a brunch, The watched some old movies. I did some mining work on line. It is a good life as we no longer have the rat race to deal with.

This means only your wife retired early. I always wonder, people who retire early, dont they miss daily or working routine? I understand that during first year or couple of years, people dont miss their work colleagues, routine of driving to work, getting a coffee on the way and etc. People that retire, they most likely narrow their circle of friend. If they havent saved a lot, for example to travel, they spend most of the time with their second half, family and few friends. But when you are at work, at least you get some news from colleagues. What I mean is, with retirement, the life somehow stops or pauses.

Who isn't dreaming of escaping the rat race. I'd like to work or invest today so I'll be able to retire early. I want to enjoy my old age I don't want hassles of finding money to pay for my living. You've retired in 66 or 67 but I'd like to retire when I'm younger.

You've found a cool balance to keeping busy so long as you're active you'll be enjoying your life for many years. Working 2 or 3 hours every day online gives you freedom to make your own hours that's the way I'd like to retire. If I can receive a pension with investment returns each month I'll say it's a success.

I think you're referring to those who are actually passionate about their job and are able to have a work-life balance. However, in contrast to your point, there are individuals who cannot wait to retire and finally live life and catch up to everything that they missed out on while they were too busy working.

The choice of early retirement is not a priority issue, but if you weigh it, you have to wait until the specified time but you still don't get anything unclear because of your position. Well, it's better to just retire early, we can choose a job or start a business or we will carry out activities. A clearer investment and the benefits can be additional. Isn't that right? Well, our stupidity is that if we choose to retire early because we are tired of working and don't do other activities, don't do business, don't make grants, don't even do activities that add to other income, you will So it's a loss if you take early retirement but don't pay attention to the next steps.

If there's an optional retirement then its a good option that you do have but this is unlikely to happen but on government agencies then this is something that would really be that offered but majority of those these
employees would really be opting not to retire early yet those pension and retirement amount wont really be that as big on what they could really be able to get when they do retire early and this is why its not really that ideal on making up such decision because you are really just that minding on cherishing out while you are young. Actually this is a personal preference since every person does have their own liking and decisions towards their life.

If you are really that have plans on making some investment or business rather than on getting old with your day job then go ahead and make it happen but make it sure that you should really be able to sustain
yourself and make those investment or business to be that fruitful because if you do make out some unwise spending with those retirement funds then sooner or later then you would really be
struggling on making a living or survival due to the fact that you dont really have any other source of income already on which you could really be able to depend on and this
is why it would really be that relevant that you should do the right decision into your life.

Catching up on the good and missed things of life?

Is there anything that is really stopping those with this idea of a catch up on life from doing it side by side… work sometimes and actually take times out for vacations and enjoy life from where they might have missed it?

Retirement isn’t something you decide if you ask me. It’s something that actually decides for you. Of course you get to make the call but, you make that call when your strength and sense are failing you. That’s when you know it’s right to retire.

No matter how much life you seek to enjoy, there are always a lot that would still float right pass you. Don’t be taken by the idea of you’ve accumulated enough, it’s never enough when you look at it from a generational point of view.

the only thing that I think majority are not thinking when they are planning for early retirement is that they can get really bored if they don't have any meaningful things to build after they retire. maybe like business based on hobby or something. if its just retiring and you're doing nothing i'm sure 100% after 3 years you would be really bored, i've been reading about many younger generation planning fully retire in 30s.
while that's nothing wrong and if someone is really capable of earning money enough for fully retiring in 30s then i think they deserve it but they should have something they passionate about that they really want to do after retiring. that way they will still have income and also not getting bored while also being productive.

Well, if you love your job don't retire early since you're not just working but also enjoying it. Otherwise, think if it's still healthy for you to stay or maybe retiring early is the best decision to do. It doesn't mean you'll do nothing after since you can still seek for another source of income alternative to working 8 hours a day. It can be being an entrepreneur so you holds your time, your profit and most importantly you're the boss.

Anyway whatever your decision, what matter is you plan for it and it's not a sudden decision. As you've said, if you're still capable to work then do it, because we'll never know what lies ahead. Retire if you're already confident as financially stable.

I think this works for me and my wife because we get along been together 37 years and still like to hang out with each other.

My wife had a hard job IRS revenue agent. A shit ton of rules and regs to obey.  She found a lot of freedom when she went on pension.

A lot of people go on early pension with a large single amount being paid out from something like a Provident fund and those are the people who might be struggling within the next 10 to 20 years. You have to remember that the amount you got paid, will be eaten by inflation over time... let's say the average inflation every year is say 10%... then your total inflation over 10 years will be 100%

So, within 10 years at an inflation of 10% per year... you Capital will be halved. You will have to find some investment option that will grow your capital by more than inflation and you should never take more money than what you gain from that.

So.. let's say you invested $1 000 000 and the inflation is 5% .... then your growth from your investment should be more that 5% ($50 000 per year or $4166 per month) ....just to beat inflation... then you still need to take live from the rest of the profit from that investment.  ::)

Your best bet is to find some work with Pension benefits that pay you a monthly pension for the rest of your life and with a increase of a percentage that are higher than inflation. (cost of living)  :P

To be honest, having fun all the time is not really funny, at least for me. I think that when you are young, you should use that as an advantage, you own healthy body, full of energy, full of enthusiasm, why should you retire? It's your duty to do as much as possible while you are young, you will have time to rest when you'll become old.

Have you guys seen that footballers like Messi, were already millionaires in their teen ages. When Messi was 20 years old, he was earning $116,000 a week. Why didn't he retire when the contract expired? You see, he is 36 years old and still plays football. Life is not really only money and sleep or rest, you get high from doing things, from moving forward. Let's take Conor McGregor, his dream was to earn millions of dollars and retire but right now, he is trying to get back in MMA because he chases that high, it's amazing when you are at the top, even if you have to move your ass up and struggle a lot.

No idea what anybody could have against retiring. Having enough money to live until old age is a solid foundation to live a happy life. Of course it can "boring" and money actually isn't the main factor for happiness, but I would say it's a good start and so many people on earth could live worry-free if they didn't have to struggle for paying their bills.

I think people retire early because they want to be financially free. Yes, but it's not easy, some people even have to retire early because illness means they can't work anymore. this is something we cannot even predict. I think everyone will retire eventually, but wanting to retire early means there is an allowance to continue living.

This would be the perfect plan after retiring. It's not like we retire from our regular job and just do nothing. Plus the monthly pension only happens once we are in our 60s which is a long time. We might still need to do something or invest for us to earn regular income. Having an apartment or building could be great since it can provide steady income while doing nothing but the cost might be too expensive and unaffordable to most people retiring in their 30s. Having a business coming from our passion even if it takes a lot of our time would be cool.

Retiring when you are at 30's? Pretty sure that it would really be unlikely specially if we do talk about into those people who are dealing with a dayjob considering that employment contract terms specially on a regular position would really be needing at least 20 years at service before you could really be able to make some decision on taking up retirement into your position and the fact that this is also one of the most common points on where a certain individual would really be finding their good stable job on which means that you are really just starting up with this kind of age on which it is really just that something that will really be not that common on having retirement on this kind of age bracket but rather the opposite one.

Its true that this would really be usually be playing out on 60's if we do speak about pension and this is something that we old people would really be that expecting for us to receive on month to month basis
but i should say that it isnt something a solid thing on which you could really be able to rely on and it is really just that much better if you do have other income source or passive like on what you have said
on having at least some 6 ot 10 doors kind of apartnment or whatever property which could really be able to generate passive income. Dont make yourself that ending on relying with your
children or sons/daughters because its never a guarantee that they would really be looking back on you once they do have their own family. So better get prepared.

not everyone is able to be financially free, all the decisions they make must be right, usually people who retire early are people who have narrow thinking or just want to look cool at first, illness cannot be used as an excuse for someone to retire early because you definitely will recover from your illness unless you become disabled because of it.  i know everyone is free to live the life they choose, but it is not easy to live the life of a retired person, even rich people continue to work to make money even though they are over 70 years old.

Early pension is something we need to ignore or else it might affect us in a long run. Sometimes we are not the ones that mostly initiate early retirement since it can be due to sickness, disability and other factors. Even though we are given a force retirement, it is very important for us to look for other means  of making money for ourselves because we will always have to pay bills and do other things with money. Retirement is not meant to be early rather than late. This mostly comes in our late 50s or late 60s when we don't have a strong bones and muscles to do some no certain things that will aid us to produce more results.

Retirement is done when you are working under government organisation or private organisation or your own organisation. Retirement is easy to say if you have not started it, you will not know it pains, sorry for bring the story when my father was about to retire from work "government organisation" we all thought is a good thing that we will have full and good time with our dad not knowing that it was a big disaster, in the following month things started changing which is beyond me, I then asked my dad why so so thing is not like before, he said because he has retired, I then said dad you have to go back so that we can continue our beautiful life, he then said no is not possible.


Self employed is good but it doesn't happen like a dream, there are so many way people become self employed, some have to pass through government organisation or private organisation before getting their independent. For anyone to live or retired from is working place to become self employed thinking that he/she has had enough money, only few people survive this, someone have to take caution before making this kind of decision because it very dangerous.

The history of human thought has been home to many interesting great men. Someone who starts reading from Plato will spend at least 10 years until they get close to contemporary history. I think it would be a good option for someone who retires early to read the history and development of human thought. Another option would be to learn new professions. Carpentry is a really technical and peaceful profession. There are so many alternatives for someone who retires early. If they can't find anything to do, come to our forum and join us. :)

Congrats on the retirement. Your wife's seen the day to enjoy peaceful retirement without rules so wishing you bliss in the next chapter of your life.

I'd like to do that. I mean I don't want to be married as long as you've been before retiring. We've been together a long time but we're still young so I'd like to see investment paying me each month. I don't want to work when I'm old that's why I'm trying to save now so my pension's going to help. That's the plan.

Making the decision to retire early is not the right decision, especially if a person does not have any preparation for the next step in life's journey. I have a close family member who took early retirement, but he had prepared for all the possibilities that would happen before deciding to retire. My brother first built businesses before deciding to retire early and investments in several places and I can even see that his life is much better now compared to when he was still working in those places.

Any decision must be based on careful consideration and if someone decides something without predicting what will happen in their life in the future, then the life they live will actually become more problematic. Health can threaten anyone and in the end we have to sell the assets we have to treat the disease, so make decisions much wiser with all the careful consideration.

I simply don't know any meaningful reasons for anyone to retire early other than these three reasons, which are;

1. Health grounds
2. Forced retirement (politics/fraud)
3. Business and other resourceful engagements

Early retirement is not what anyone should preach, especially if the person is in a good country where their retirement is sufficiently planned for. All I would advise if the case of a person doesn't fall into the categories listed above is for the person to think twice. Even businesses have failed many and it might be wise to engage your primary work with other beneficial engagements rather than retiring earlier, it may not work as planned.

When we have thought carefully and have considered everything, including the risks we will face, then we must be able to take responsibility for everything. Because if you only decide to retire early but don't take any steps regarding what to do and what it should be like in the future, then doing this is the same as committing suicide.

And it would be good before we decide to retire early, we need to prepare not just a certain amount of money, but we have to prepare more than that, namely a plan. Don't let it happen that when we decide to retire early, we are still confused and lose direction about what kind of business to make and where to invest?

The moment you think that this is it, I have done enough, now I can retire, now I can leave the rest of my life by doing nothing, that is the moment when your downfall begins. Money makes more money. But if you just leave it after earning it, overtime The value will decrease. And if you keep on spending it, one day it will all be gone.
once you start the cycle of investment, it should keep on going. You earn profit, you take the profit, you use that for your living, and put the rest again into investment. That's how it should keep on going. The moment you stop it, the cycle ends. There will be no more profits coming from that. People talk about passive income, but in reality there is none. You need to keep working your ass off to get paid. Doesn't matter how much you have earned. You may not be able to spend all of that you have earned, but your next generation may do that. And this is the problem in this world. Good times create weak men, weak men create difficult time, difficult time creates strong men, strongman creates good times. And the cycle keeps on happening over and over and over.
never stop on what you do the best. If not this one, then maybe something else. But the show must go on. And that is life.

I don't know why some of you believe that retiring means quitting everything. FYI, in case all of you forgot, just because an individual retires from their job doesn't mean that they do not have other means they can use to get income. Some individual chooses to retire to start their own business or they are confident of their investment that is probably already providing the money they need to get their needs and wants. Just because someone retires, it doesn't mean they stop making money.

When you start pension collections will you live in your country for retirement. When I retire I'll keep my house in my country to stay close to family. I love my country it's my roots but I don't want to retire here. If I'm getting good pay from pensions or investments I'll share time abroad for new enjoyable experiences when I'm old.

I used to think this. but covid 19 restricted my movements along with my wife so we stopped travel for 2-3 years. We both got very sick 2019-2020 to this day we still have damage from covid so we have cut travel back a lot. Some advice if you are younger then me (66) take a trip or 2 before you retire since you may find it hard to do when you do retire.

Did your doctors say you've got long covid? Scientists don't know why some ppl can't make full recoveries from covid. Living in the covid years was dreadful I hope we don't have to live like that again.

Travel advice isn't some thing we read about so one more thanks. If my retirement plans goes ahead I'll take my family on trips. If I make it to retirement some unpredictable incidents could occur to damage the plans so I'd like to do it. I'll retire to find a happiness but if a problems shows like when covid 19 arrived it'll affect every thing.

So what do you mean is that you want to stay close to your family when you retire and occasionally go on holiday abroad?
I think that's a very good thought. Especially if we can retire at an early age. Then we can have lots of time to enjoy life and vacation as much as we like. But going on holiday abroad definitely requires a lot of money. So I think investing from now on is the best way. But we have to be smart in seeing which areas have the potential to increase prices in the future and provide huge profits for us.

It seems nice to have a house close to our extended family. And I imagine that our family can enjoy relaxing time together. Because nowadays most of us are always busy and rarely have time for family. But I pray for everyone that all of us in this forum can gain financial freedom at a young age.

Finally found someone who's thinking the same way with me. Almost all the responds here misunderstood retirement as stop work and stop earning money. Retirement by the way, is just a theory and can not be practice by many young people tendering their retirement at early stage. What they do is switch of occupation from one area to another if they're not satisfied with the earning or something happened. If we are to go by the definition of retire, it's absolutely staying away from work due to old age or illness. Do you think it's possible for an average young man to stop working completely and would be able to afford his expenses until death visit him?

If you retire from a company to focus on your business or whatever investment is not a retirement but a change of field or status from being a worker to become a boss. In my opinion, it's wrong for one to consider retiring at a very young age if you have no health challenging issues. Youthful ages are supposed to be memorable by engaging yourself.

Agree. We have no problem with retirement when it is in an ideal age. For people above 60 years old, it is okay to retire from certain professions. In my country, Most civil servants or government employees retired about 60-65 years old. Meanwhile for private workers, the end of their career can be varied. It can be below 60 years or more. However, generally, it is true that 60 years is the common age for retirement.

Indeed. There are no people who purely have no jobs after retirement. But people who already retired, they prefer to choose jobs that have more flexible time to do. For example, they will choose to be farmer or breeder. This jobs won't require a specific time for working, it is not a must to start the job in the very early morning. But since many people who already have habits to work since the early morning, they sometimes apply the same schedule on the jobs as well.

Sure, if people only sit at home, it will trigger to feel stressed or depression. People need activities, we are not designed to be passive.

IMO, it is almost impossible to retire at 40. How we fulfill our basic necessities if we already stop working at 40. People should continue to work until above 50 years old.

All countries have their own regulations on retirement but when referring to the context of the original title, this has nothing to do with the issue at hand because in fact what you are discussing is the ideal age to retire and that does not answer the question of early retirement.

Back to the topic of early retirement I don't think the ideal age is early retirement because it is time for them to take a break from work and enjoy life in a new way so that regeneration can continue but when there are so many proposals about early retirement this is what makes the pros and cons occur even though we also cannot prohibit it if they (people who retire early) already have enough resources to support themselves until old age.

Early retirement does give people the ever wanted freedom to enjoy their time, dive into hobbies, or even travel extensively or do anything that they always wanted to do. Plus, without the daily boring sleep - work - eat - sleep routine, many find they're healthier and less stressed. One gets to start a "new" life after their retirement. Now imagine all these early in your life. Who wouldn't want that? And I don't think there are any cons in early retirement. You might hear about early retirees getting bored, but with passions or hobbies to focus on, that's hardly an issue. I do agree that staying mentally and physically active is crucial, but if well-planned, early retirement can be more of a fresh start than an end.

I fully recovered other that the physical damage it caused to my vascular system.  My wife fully recovered other than a permanently sensitive nasal system which means daily post nasal drip and coughing.

I have done a lot of research type A+ blood type people has the worse symptoms and death rates my wife and I are both type A+. So we are a bit more careful about going to public places that are crowded.  IE a sat nite movie in a theater is a no go. But we do go mid week at 2 or 3 much more empty. Some parties at some homes we don't go to as we know the home is small and the party will be crowded.

Good point here. Perhaps if early retirement was already planned out since the beginning and an individual was already able to save up and have other sources of income to rely on to ensure they have the means to survive and carry out a good financial lifestyle then that'll be really ideal. However, unfortunately, not everyone can enjoy such things as for them early retirement means losing their main source of income.

I didn't say someone is stopping just because they have retired. But in many cases in retirement, people often try to live the rest of their life on what they have already made and never to seek for other opportunities. My words were for those people who think that they can leave the rest of their life with what they already have. I got your point, people usually retire when they think that they can do something better, or they are already doing something better that is giving them much more than what they were doing.

In order to survive, we need to keep on making money. There's no stopping. Retirement does not mean that you are done with your life and you can rest now. When a thing ends, that's where a new beginning starts.

Being retired it isn't easy fighting illnesses. You've got peace of heart knowing you're retired you don't have other problems to control your life. You don't need a job so you're able to focus getting health back.

I don't know about blood types or how they've affected covid death rates. You've researched it so you know more. It's important you control the number of ppl you're moving around because you don't want to get infections.

  Yeah my wife is on her fourth nasal doctor trying to control the post nasal drip 💧 which is hard on your lungs.  Have to be persistent. My vascular injury from covid if not dangerous and I have done therapy to correct it quite a bit. Biggest issue for the wife and I is a bit of fear of crowded spaces.
  We went to a birthday party and the father used relighting candles so his daughter and seven other kids worked very hard to blow those candles out.  My wife and I did not eat the cake 🎂. As 7 kids 8 to 11 going to three schools between them kind of made us afraid germs.

this is true, retiring doesn't mean we just gonna sleep all day long and just walking around doing nothing, retiring means we are free to do what we like basically if we like starting business we can start business from scratch doing our hobby in which we've long dreamt of.
its that simple, the reason many retired people are likes to do nothing because sometime they are already too old when they are retiring but if we can retire early then that means we still got energy left to do whatever we want to do and one of them might be starting our hobby as business this i think is what most people missed.
therefore there's definitely many advantage of getting early retirement aside from the fact that we are financially independent.

However, upon reflection, planning for early retirement entails a commitment to maintaining productivity during one's youth and vigorously pursuing substantial passive income streams by the time we reach the age of 40 to 50. This can serve as a motivational driving force, as we set specific targets for ourselves. And when the outcomes fall short of our initial goals, at the very least, we can attain them in a significant percentage by the age of 55.

As an illustration, at the age of 40, I aim to possess five businesses encompassing transportation, online retail, physical retail, advertising, and SEO. Given the lofty nature of my aspirations, it becomes imperative to make the most of our time from ages 20 to 40 to inch closer to these objectives.

In the event of a delay, perhaps by the time we reach 55, we may not have achieved all five businesses, but even if we possess three autopilot businesses capable of generating passive income, wouldn't that be satisfactory? In essence, we would still be able to retire and savor our golden years with our loved ones.

Maintaining productivity in youth and creating passive revenue streams is laudable. Business initiatives and the current economy are unpredictable, therefore isn't it difficult?

At 40, your aim to start five enterprises in separate sectors is ambitious and inspirational. Your chosen sectors (transportation, internet shopping, physical retail, advertising, and SEO) present unique challenges and needs. Isn't it important to make sure each firm is steady and profitable? The fast-changing modern economy requires a clear grasp and flexible strategy.

Yes, if you have three out of five firms by 55 and they create enough passive income. Isn't business quality more important than quantity? It's crucial that businesses are strong, flexible, and profitable. Your preparation and goal-setting are commendable and give a defined path. It's about the trip, and even if the results are disappointing, the accomplishments are important, right?

We spend half of our lives working and the retire tired at 65 - 70. Those who retire early, 45 - 50 get to spend more time with family, friends, hobbies, and passions, as well as the opportunity to learn new skills, play instruments, engage in sports, and enjoy youthful activities. Its fun. Despite people saying that the lack of health insurance is a disadvantage to early retirement, I tend to think that an early retiree who may not be able to afford healthcare can opt for part-time employment to maintain affordable health insurance. Where this is not possible after a thorough thinking, then the individual must choose to continue working until it is sorted out.

When someone decides to retire early at the age of 45-50 years, they must have a plan to prepare another job according to new skills that may not interfere with time with family. Many early retirees already have their own business that has been running for a long time along with their previous job. They must ensure that their monthly income is still the same as the salary in their previous job, if their income is lower they will have difficulty paying for health insurance, according to information that the cost of health insurance increases depending on age level, and many other routine expenses must be considered, so don't rush to take it the decision to retire early without the guarantee of being able to work in another job.

Your plan's working you're taking measure to safeguard to stay away from crowds so there aren't more steps to include extensively.

Eating cake from kids blowing out candles isn't the correct invitation!

You don't have to wait to reach 55. If you're investing using cryptos to give financial space to your pension for receiving higher wages you'll have to be wise. You require patience to gain returns from investment. Put some cash in cryptocurrencies because it's the future but don't invest unless you've calculated conceivable losses.

Health insurance aside, we have the inflation to keep in mind. The cost of every purchasable goods and services continue to increase. To retire at a young age, it will take a lot of effort, decision making and things that needs to consider. You have to had a long running business, properties to lease, or at least a source of income that can help to sustain the daily expenses (needs and wants).

Early retirees also feels like becoming weak as they stopped working. Their body and mind is looking for the challenge, the movement they used to before. Also, there are a few people to talk to as most of people around is working.

I personally think that early retirement only suited if we already got all things for ourselves including health insurance at least money to pay for it and also getting passive income.
without those i doubt the early retirement will let us having good time considering we will have constant worries without source of income and there's many bills to pay.
therefore having passive income is I guess a thing that can't be underestimated when it comes to preparing early retirement.
i would say i wouldn't even dare to have retirement without all these things set up just to give ease of minds.

That's why when someone decides to retire early, they must have a plan for their life journey, relying on their salary or severance pay from their pensioner may not necessarily be enough to send their children to school, health insurance costs or other unexpected costs. Early retirement can provide opportunities for someone who has skills in the field of business development because they can focus on running it seriously. If someone has skills in building a business, taking early retirement may be a good consideration so they can achieve greater financial freedom than before.

This consideration must be a wise decision, so that when we make a decision it does not endanger our daily lives. Every day life will definitely change and for those who dare to get out of their comfort zone and have a concept in living it, they will be more focused on achieving financial freedom.

The problem that this people who have retired early is that they probably don't have a life outside of their work and now they end up miserable because they have nothing to pass the time, my advice to those that want to retire early is to at least find a hobby or two, read or write a book, practice drawing or painting, there's more to life than just traveling when you're retired. Trust me on that advice, makes your boring days a normal day or the best day if the hobby that you've dedicated your time into makes you happy everytime you do it.

Agree. But when someone has a particular hobby, they are successful in retiring at an early age with a large enough savings which is expected to be enough for future living expenses. So those who have a hobby will definitely not regret their decision to retire early.

For example, if we have a hobby of exploring all the beautiful places in all countries in the world. So I think we really have to retire early to do that.
And for someone who has a hobby of writing, they will also be more productive in writing and sometimes they will produce extraordinary books in their retirement. The point is that by having a hobby, we will not get bored in living our lives.

Agree with you but there is no problem if every person retires at a young age (40 years) if he has enough money to do something good with that money in the future. Although retired people can do more than reading books, traveling, and painting etc. As far as I can tell a man doesn't stop doing things even after retirement, gardening and tending the garden will not make life boring. That's why I think a person should not take it at a young age. Because sometime it will be seen that reading books, traveling, painting will become boring. So everyone should do things that can lead to happiness in daily life. Should not retire even after 40 years.

Not sure if there are truly a retirement at age of 35? or even 40?  you need to live a life with what you are holding meaning a semi if not luxurious life.
so how can you manage to support that and with your family expenses when you retired that young?

and how stupid that could be when you can at least continue having businesses of even shares from stocks and of course Investment in cryptocurrency instead of letting your funds sits in your bank accounts?

I feel like the word retirement has a totally different meaning in the 21st century. I doubt anyone actuals "retires" anymore, it more like financial freedom to just pursue what you want, when you want.

I'd happily "retire" onto a nice plot of land and fix up old cars, it'll be hard work but I'll be doing what I want knowing I've already secured my financial freedom.

Just my 2 cents  ;D

Early Retirement is out of my mind..by the way why will one be retiring so early!? Probably the nature of the work he /she does or another thing looking at the age range of the person,so one may seem to retire early.
 
To me I feel retiring its the thing of the pensioner's subsequently working under a private sector or the government.
Ones your retired it means you have been relieved off your duty.
But one who have things working for him won't be having that in mind or be thinking of working where u maybe retiring anytime soon.

You may have assets,businesses nd lots more and still sit back at the comfort of your home and watch them grow nd earn as much as you want,so it doesn't literally means your retiring early.when your the boss you don't need to be retired.

That's true. I think the term retirement is just different now compared to before when retirement is actually finally giving up the long time work cause age has caught up and the limit has been reached. It was more of a finished line that everyone would eventually reach and it'll be the end of the career path every individual have. However, today, retirement means finally being free from the 9-5 job and having the financial stability needed to finally have the freedom to do what we are passionate about and not worry about how much we'll make at the end of the day cause that's already taken care of; it doesn't matter if we choose to start our own business, go on vacation around the world, or even take on a job that people will look down on because of the low salary because it doesn't matter.

Recently a grandpa aged around 85 years of age got viral in our country. He was a common man residing at the rural part of the country in a small house that is much of a traditional look. He share what he had invested and what is the value of his investment in present value is around $12 million which is a very very big money. He had invested long back taking into consideration his retirement. Now he had experienced the good out of the investment.

The present generation is of this kind, the primary focus is on some solid investment taking account of their future retirement. Not many able to make good money out of the investment at the shortest. People who were lucky or who had predicted the growth in a better way gets the opportunity to retire earlier whereas the rest just continues with their day jobs.

Yeah I am a gear head. Fixing and runing gear is what I like to do.

So mining ⛏️ with 150 gpus and 100 plus asics is ideal for me.

Retiring at 35 years seems crazy, at least for me there is no chance to retire at such a young age. When reading the title, I thought at first the early retirement age would be around 55 years, which already 12 years below the official retirement age in my country. Which also would be my goal to retire before I become 60. I find it surprising that someone as young as 35 can already earn enough money that is going to cover for the rest of his life. Becoming ill and requiring expensive treatment is pretty common these days with people becoming much older. It doesn't really matter at what age we become sick, if we don't have enough saving in our retirement plan for it than we are doomed. That is probably why I would never consider retiring before the age of 50. There are still so many unexpected things that could happen in our life, that we would need a lot of money to account for it. Also, in retirement I would like to live of the returns and dividends of my investments and not touch the actual savings money.
   

If we talk about normal retirement then this is clearly different from Financial Freedom. Because the concepts of the two are clearly different.

But if we talk about someone who has managed to collect a lot of money and it is estimated that this money will be enough to meet all his needs for the rest of his life after he stops working. So he decided to stop working even though he was still young because he was confident enough that the money he had would be enough to meet all his life needs after he stopped working. And the conditions are indeed a bit similar to financial freedom.

But still the concept is still different. But people who are able to achieve early retirement should be people who are good at managing finances and have made thorough financial preparations. But still, someone who retires early does not necessarily have financial freedom. But people who already have financial freedom seem to have much more freedom in their lives. He is free to retire at any time because he no longer worries about money. But people who retire early actually only have more limited finances. That is limited to the finances they have collected or something similar. But they don't really have financial freedom yet.

But I feel that people who are able to reach the early retirement stage are people who are close to the next stage, namely financial freedom.

Retirement was once considered the end of a lengthy journey and a reward for hard labor. Finish line. Now, though? Retirement means freedom. We're breaking away from the 9-5 grind and embracing what counts

Aren't our economic and social changes fascinating? Financial security today is having enough to live, not simply survive. It's about being able to travel, establish new businesses, or take on low-paying yet rewarding work. Why? Financial concerns are resolved

How does this affect our economy and human goals? Is society learning to define success and fulfillment holistically? Consider it

In my opinion, the country will progress if civil servants aged 58-65 years are forced to resign or retire early, because the mindset of employees of that age is on average bored with their work, more money-oriented, and they even tend to already know. Weaknesses in the system in the institution give rise to opportunities for corruption. The average civil servant aged 58-65 years finds it difficult to adapt to technological developments.

It is true, if we look at performance compared to age, there are several civil servants aged 58 years and over who are still very productive and contribute more than the younger generation, but this number is still small.

So I agree with early retirement. It's best for those who are 58 years old and can retire so that the younger, more creative generation can have a place, and at that age you can retire so you can share time with your beloved family. If they are over 58 years old, their creativity and strength will weaken.

Which country are you talking about? Because if you are talking about this for your own country, you should also know that at that age it is time for civil servants to be retired by the state and only receive their retired salary every month. Apart from that, adapting to the latest technology for those who are that age is no longer possible for them to learn, even if it is still possible it will not be optimal because at that age it is time for them to rest without having to resign as you said.

Now many of the younger generation have become civil servants and their job is to be as productive as possible so that their performance can be better than that of older civil servants. Because the working years of older employees are no longer long, they all must also provide the best advice to the younger generation in order to be able to apply satisfactory performance in their respective fields for their own country.

In fact, from the opening of candidates for civil servants every year in your own country, you can already conclude that the state does not turn a blind eye to the younger generation in this matter. Because the government always provides opportunities for everyone who wants to become a civil servant every year so that with young people, the government can immediately make rotations or retire those who have time to retire in order to provide a place for the current younger generation.

Honestly i'd love to retire in my 50's or 60s. By that time my family will have grown and if I had the time I think it would definitely be more enjoyable. Hopefully by then BTC will for sure have gone up to 1 mil lol.

Not on the sense that you've been paid up because of the service that you have given on a certain company or institution for long years which here in my country which those amounts would really be just basically be pulled on the contribution that you had made all over the years or came from the deduction that you do have on the time that you are really still working which its not really that something an amount that they do own but rather you are the ones who are really that accumulating all over the years.It did really just turned out to be big just because considering on how long you've been working then you wont really be noticing about those accumulated funds overtime.

Some people would really be that eyeing for the benefit like on having that pension fund which it would really be supporting them on the time that they dont have any work but its true that as much as possible
then i would really be liking to retire when im not really that too old because its really just that not good to retire when youare really not be able to cherish out on the amount that you had been received.
This is why if i do have the chance with my current day job then im not really that anticipating about huge retirement amount but rather finding up ways on making myself that financially stable
and could really retire early.

Lucky are those who retire before 60, and enjoy their lives,and enjoy their life.Retirement between 50 and 60 is an ideal time,If one has a family and children are employed.After 60 years the effect of old age starts and after that it is not easy to enjoy life,So if one gets free time at the age of 50, he can enjoy the rest of his life more.

I don't know what age group you are in right now, but it will take years for Bitcoin to reach a million. If you are waiting for Bitcoin to reach the price of one million, then you must have invested in Bitcoin, and if you have invested, it is definitely the best decision for the future. That is why you are preferring to retire before the age of 60. I think all of us working people should invest for our retirement. Whether it's in cryptocurrency, real estate or gold, long-term investing is essential to living comfortably for the rest of your life.

While that's the ideal retirement for most, I have seen people telling themselves to retire at an early age of 35-40 and if they can do that what are they gonna do next? Are they rich or will they continue to work but at a minimal level for which they consider themselves by that time is already a retirement to them? But putting that into context, when we're getting old we're looking for the things that we used to do and one of it is working or doing things like the hustles that we've got.

We're all hoping for that to come and the majority of us would be retiring for sure and will build other income streams coming from that profit, going into another investment or income-generating asset. It's not just tiring to get into such activities when you've been used to it whether you declare retirement or not.

This is what i do have in mind is on having that trying to make some business or investment on which it would really be giving me out the chance on having that early retirement and wont really be tending to last up that on entire years of working and if i would really be given some chance and some mix of luck for me to make some huge money and do able to make some passive income then i wont really be hesistating on stopping or retiring my current job and would really be that spending the rest of my life with my wife and doing on the things that i havent done before, like vacation/travel, buying some wants or likes that havent done before.

Agree on this one that this would really be that still involving some mix of luck because majority of employees would really be that retiring on the time that they would be able to reach out a certain
age or years of service before they could really be able to retire not unless if they do found themselves that sustaining then for sure they would really be that be retiring early but on the time
that you do see that your income stream isnt really that still enough then it would really be that a suicide on making yourself that retire or having no job
but you do know that there's no source that you could get for you to have a living which its that a really bad idea to be made.

I would say that early retirement is a dream for working people, except for a small minority. Thanks to Bitcoin, we can retire early, but we can never know if Bitcoin will rise to the amounts that will make us retire early, so we should follow different ways to retire early. Since the pros of early retirement outweigh the cons, we might as well not talk about the cons. I think it is important what people expect from early retirement.
It is normal for someone who has a house, a car and enough money to live until the average age of death to retire early to enjoy the rest of their life. However, not everyone thinks this way and there may be people who want to retire early with millions of dollars. People's expectations, how they want to live after retirement and the factor of friends can change the expectations in early retirement. In my opinion, early retirement is a right that people should have if they have goals and plans for the rest of their lives after retirement.

I can share my experience. I've been a financial director for many years, and by the age of 25, I had already earned enough money to retire. However, in the end, you come to the realization that it's extremely boring not to be useful, so you go back to work, but on your own terms. For example, you work for 4 hours a day or in a place that's convenient for you.

I honestly have never thought it wise to retire early even if I have made the whole money in the world, in my own assertion, i would say that its only lazy people, people without vision that think that retiring early is actually an achievement, for me, it is absolutely not, not when i have dreams, and even when I keep accomplishing those dreams, more dreams keep coming.

I know we all are entitled to our different opinions and I honestly respect everybody's opinion on this subject of discussion, but for somebody like me, I have no dream of retiring early, how much money I have made is not a factor to consider, and neither is my achievements a factor as well, life will be so boring if I ever have to sit around doing nothing, even in old age.

Except i get so damn old that i have to be pushed around in a wheel chair, but as long as i can still walk with my foot, and see clearly, i will be working, bringing new ideas to live, working in old age can be fun if only we can learn to mentally accept it even now that we are still young.

Making the decision to retire early shouldn’t be considered foolish and isn’t a sign of laziness. There are folks who are only too happy to work but were forced into retirement due to having a serious injury or some health conditions that could prevent them from actively working.

I would admit that retirement could get extremely boring when you’re idle and have a lot of free time on your hands. But with that free time, you can do what you’ve been meaning to do but couldn’t get around to doing it cause of work engagements. That’s why a lot of people plan to retire early so they’ll still have the energy to actually enjoy retirement doing other things they love.

Chasing up more dreams isnt really that bad but we know that once you have acquired or achieve something that you have been hoped for or really comes into a point that your finances had been that stable on which it did come into a point that it isnt really that something for you to wake up early and go to work then most probably you would really be having those kind of thinking that you would really be needing to retire and would really be that just focusing on how to make those relaxation or trying to make yourself that get rewarded after all the hardwork that you have done. Also, on what age you would really be considering on trying to travel? When you are already that 60-70? That sounds that never been that enjoyable.This is why as much as possible on where trying out to reach that kind of financial freedom then you would really be trying out your best to achieve on shortest time so that you do still have the time on cherishing out if ever you do have those kind of plans.

Somewhat there are people who do really have the passion on working and doesnt mind about the money that they are earning as long they do really love on doing that they do want to do.
This is why we cant really be able to judge on whatever decisions been made by those people who had chosen up on trying to stay with their jobs until to that
retirement threshold. We do have our own choices in life though.

I think any kind of retirement is a bad idea for a lot of people. Work keeps people minds sharp and their body healthy (decent work, not sitting 10 hours in a chair work). Once those kinds of workers go into retirement, they become lonely and sad. They have nothing to do with their life. Every day becomes the same dull shade of gray. If you are in a job that you love and you work with people that you love then a money-making does not become the priority of a job but rather having a reason for living. Your purpose becomes your reason.

We see way too many people go from 70 to 100 in a matter of months. From my experience with the elderly, I think they may have been happier with a job or a reduced-hour job than with retirement.  :-\

that might be a thing, it is indeed true that having job keep minds sharp, that also why many of entrepreneur refuse to have retirement but to work for his own company to the end of their life.
but some people will definitely have different idea about retirement, there's some people that don't really like their jobs doing 9-5 that just want retire young and get financially independent to do their hobbies.
which from their hobbies they can generate revenue and income from, its just as good as having job, keeping mind sharp, but you like to do your hobbies, therefore the supposed "work" become a fun thing to do.
I think thats what motivates many retire young, because they want to do something else.

In my opinion, people who retire from work can be due to several factors, whether it's family or the economy, but most people who retire want to spend time with their family, so they can fill their seniors' time and sometimes we work not because we like the job, but because the work environment makes us feel at home. Even though the income is not much, the work environment makes you comfortable and will make you feel at home in the job itself.

But back to ourselves, we have the choice to stay or retire, if you retire, have there been results that make you satisfied or something that can produce long-term results that can be passed on to relatives or family. I personally will retire if I have my own business that can support my family so I don't depend on other people for work, what about you?

In my country people usually work until more than 35 years old so I think this is a waste of time, I have worked more than 5 years since I graduated and hope that in a maximum of 5 years I can retire when I am around 34 years old, I want to do things I like like traveling and now I'm investing in fruit plants and I'm sure in 2 or 3 years the harvest will come true and I can make my dream of retiring soon come true.

Even the richest people in the world are still working until old age, such as Warren Buffet and of course many others, because by continuing to work, our brain and body will continue to work properly, which will be reduced when we choose to retire
Retiring early without any replacement activities, especially if you are still very young, will only lead to more boredom and make us rarely do physical movement, which ultimately causes health problems, because going on continuous vacation will give you boredom later.
I really want my investment to be successful, but not to retire at a young age, but to guarantee a better life when I'm old, which of course will be very limited in earning income and also because price inflation will be much different from now, so without a successful investment it's impossible to live a better life when I'm get old.

The thing is, if you wanna ensure that you can have a good early retirement you'll have to secure a stable financial lifestyle that will last for the rest of your life. If you only focus on the now and a few years ahead chances are you'll be finding yourself back to work in a few years when all your financial savings and investments are all used up. Hence, it is suggested to build or find a source of income that will be constantly providing you with all the financial needs you'll require.

You're absolutely right. Relying on income from a single source is highly risky when it comes to sustaining one's finances during retirement. This is especially true when that source is agriculture, where substantial risks can threaten income derived from the farming sector. We might encounter issues such as pest infestations, adverse weather conditions, or specific diseases that can render harvest earnings highly unstable.

For early retirement, below the age of 40, it's advisable to have several stable income streams to serve as benchmarks. Perhaps two or three businesses that can provide passive income or businesses that operate on autopilot. Moreover, you should have trustworthy individuals who can adapt the businesses to keep pace with the evolving times.

Retirement isn't merely a matter of timing; it necessitates thorough preparation to ensure a consistent income stream even when physical labor is no longer an option.

              -  How many years is it now, mate? I'm just asking. If you are under 40 years old, you still have a long way to go; that's the age at which long-term employees often retire. My mother, at the age of 55, retired; now that she is 60, she receives her monthly pension of around 230 dollars every month.

Because of the retirement fee he got, she repaired her house, she took during the time she was still working. She didn't use his retirement fee correctly except for repairing the house he inherited from his son. Now, it's like she's the one living in his house because the son-in-law has a bad attitude. So she just depends on her pension, and sometimes I reach out financially.

The main problem is finances, everyone definitely wants to retire at a young age and do many things they like without having to have the responsibility of working, but financial constraints force someone to continue working.
In my opinion, there is no problem for people who want to retire early or want to work as long as they can because we don't know what people like and we also don't know the reasons why people work (on average it's because of finances) but there are also people who work because of their hobby. and his desires.

Personally, I have thought about retirement and financial freedom in old age. Even though I have made plans, that doesn't mean it will be easy for me to achieve it, so that's why I continue to work, build assets and other businesses to achieve financial freedom in old age. Later, no matter how old I am, I will achieve this. This is definitely not a matter of age, but of readiness.

I have also a friend that has aged 30+ and he got early retirement from the Armed Forces, he has a total of 12+ years of his job. But he took retirement very early, now he doesn't have any job and the pension which is issued by the government to him is very less and he cannot afford even his children's school fees. So, I have taken a lesson from his early retirement that early retirement is not a good idea, but If a person has some other business then it would be better for him. Otherwise without any other way of earning, taking retirement may lead to economic problems.

Wow! the cases you are describing are quite hardcore, and I agree that the thirties are not a good age to retire early. But I don't think the same for other ranges of age.

In my work there is a colleague that is in his sixties and just decided to quit early. That will suppose a big discount in his retirement pension, and many told him that he is mad, but he wants to enjoy the good years left, and I respect that. In Spain the retirement age is 67, and increasing, and some of us won't get to that age, so early retirement can be a wise decision in some cases.

Here in out country on which on the time that you do able to hit up that age of 60 specially when you are working on a government agency or some big private companies then you could really be having that kind of optional
retirement on which neither you would completely be taking those retirement funds @60 or would really be that opting out for working even more until 65 on which it is already the maximum. There's no way that you could really be able to get some retirement on just having that few years when it comes to your service or work, not unless if you have really just simply quit and retire on your own will just because you've seen
that you are already that financially capable on which you could really be able to sustain and survive without relying on any work or having that day job.

We know that there are different or various circumstances or conditions on which you would really be making yourself that able to make out decisions on which it is really something that you do wish for.
There are people who are really that preferring on cherishing out their lives without needing to be shackled with that 8-5 thing or being an employee for the rest of their lives. Although some becomes that successful but majority would really be having no choice considering that not all would really be able to achieve their goals and targets in life on which it would really be resulting on just simply staying
on where they current are and this is in fact the reality.