Unlike most people my goal for retirement isn’t to sail around the world, discover myself, read the classics, volunteer at a worthy charity or even travel (to tell you the truth - I like where I live and would be happy if I never ventured more than 50 miles from my home (ever), and instead spent all my time visiting friends, family, cooking/eating, camping, fishing, watching movies and of course following the market). My goal is to retire early and live a typical middle class lifestyle (without having to work anymore). Globe trotting and expensive toys/dinners are not for me.
Now some of you ambitious big spenders out there must be wondering “Why on earth would you want to aim for average?” Now I’ve been asked that before, so I have a good and simple answer: well… (drum roll) the reason is that I don’t have expensive needs or hobbies and absolutely love my lifestyle (except for the working thing). I don’t want a lavish retirement and personally don’t see the point of working until 65 saving a huge pile of money and retiring in “luxury”. Instead, I have chosen to aim to retire at 40 live more modestly than the 65 year olds that have built a huge nest egg, but because of my relatively simple needs I would get more benefit from an additional 25 years of retirement than I would from annual vacations from 65 to 75 year old (health permitting). In my opinion 25 extra years of freedom/time flexibility is worth more than an extra star in the review of the hotel I stay at between 65 and 75. Now here’s where I get the “jaded” or “pessimist” accusations…I know I know many of you are saying “why do you keep saying 65 to 75? Why not 65 to 95?” well before I’m labeled as a pessimist I’d just like to say that I do fully expect to live to 95 (partly from the reduced stress of being retired early) but from observation --- after 75 most people have given up (or reduced) most of their expensive hobbies/activities as they age from their mid seventies to their eighties (ie- the need for: globe trotting, world traveling, walking in/cleaning their huge house, driving new expensive cars seems to fade with age). Now I’m not saying that old people have less fun I’m just saying that for any number of reason (health or just don’t care about keeping up with the Jones anymore) as people reach their senior years their needs seem to become simpler and therefore less expensive. I can certainly relate to this and have already been told by friends that I am “the oldest young guy they have ever met”. (which of course I take as a complement)
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Great philosophy, I totally agree with your approach to retiring as soon as possible to live a comfortable modest life.
My initial goal was to retire at 35 (I started saving at 20), I'm now 25 and nearly 1/4th of the way there but now I have 2 kids (4months + 2years) so I've pushed the plan back to 40, wish me luck!
I'll be following your blog, less for the buying/selling advise but the general commentary, I love the "jones" rants!
... Hey maybe you could even tag your posts as directly related to investment advise or soap box so I could just subscribe to that.
Good on you Middle Class- aint nothin' wrong with apiring to normalcy on your own terms...do what you need to do for you. It is refreshing to see this point of view without the "you must haves" shoulda woulda coulda stuff. I am of the same philosphy but just a little older 51 3 kids - two at University and one two years after that. We learned early to plan from kind loving responsible(geez who woulda thought a child of the 70's would admit to that!!) parents who instilled a great saving and work ethic AS WELL AS a view that family and happiness were essential - money was not the most important thing to obsess aboout. My Dad retired at 45 - planned and executed on the premise that sve 25$ a week consistantly live well and sve well.When he retired in 78 he made 12500$ - my first job in 79 paid 13500 fresh out of university.. I had 500$ to my name and he had 3/4 Million..seems to have been a tried and tested formula with a ring of truth to it.. He died at 54 - one and only heart attack ..Thank goodness he had those years of happiness on his terms.. Point is he saved but we did not "do without" when growing up but when I look back it made sense. Second hand but "funky cars" always a few years old but to die for today. Convertibles -remember Christine the 57 Savoy?? etc. I took his frugality to heart and have managed to save close to 3/4 million ( just closing in on it) by spending and buying with a similar philosohy. I always got complimented on the Volvos and sports carz but little did they know I paid less than their "mundane" brand new mobiles - just got more bling for my buck. I sved in the before kids era 50% of income and lived a great yuppie lifestyle. Post kidz we continued and put money away for college etc which has "paid" off 2 years of University for the munchkins- they get to contribute 1/2 ( makes em want to not waste their time or our money). I own my own house on 20 acres north of T.O, and do not owe anyone any debt...funny how we seem to be the anomaly in the boomer bracket.. I plan to cash out next year or shortly therafter and do my Ride Across Canada (bicycle ) which I can still do and have had in the plan for 35 years - time to shut up and mke it a reality. Point of this diatribe is that I will succeed to live a Middle Class life and ain't nuthin" wrong with that. I won;'t have to do without anything I don't need... Keep up the good blog
Raltny
I did not retire until 56--four years ago. A little earlier would have been nice, but I did not plan early or well enough.
Most advice you get says you need more income in retirement than is actually true, unless you plan to do those very expensive things. Personally, I like to get a little modest travel in once and a while, but that is the only extravagance that interests me. You might want to google the accomplished Canadian actuary, Malcom Hamilton. and read some of his articles on what you need to retire on. He is quite a contrarian.
Owning a place to live, in a location you want to live when you retire is a key. It should have all you need but no more, and be very affordable in its upkeep including the property tax you will have to pay.
God luck with your goals and with this excellent blog.
I will turn 55 this year and have just sent a letter of resignation to my employer. As a physician I have accumulated enough assets to see me comfortably thru the years ahead, but what has always worried me is the lack of stimulation from working will lead to a slothful and health deteriorating life style. Guess I will find out.
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