My name is Steve, and I just retired at the age of 35

Published December 23, 2016   Posted in How to Retire

It’s pretty damn surreal right now. I am done with full-time work. Like, “done” done. Unless something absolutely catastrophic happens, I will never set foot in an office again as a member of their full-time work staff. That’s it. I’m free.

It’s a celebration!

Best damn Christmas gift ever. I am free to pursue everything that I’ve always wanted to pursue but felt like I couldn’t due to the amount of time it takes to maintain a full-time job. If I’m honest with myself, today isn’t just the day that I officially retire.

It’s the day where I put up or shut up.

All that talk about happiness and finding your true passion in life? Blog post after blog post about working your ass off to achieve financial independence and early retirement? About retiring TO something rather than FROM something? Yeah, it’s all culminating right-the-hell-now. It’s my time. “Okay Steve, now do it!” It’s time to put my money where my mouth is, literally.

Yes, it’s awesome knowing that I won’t have to sit through another mind-numbing conference call again. Or come up with a bunch of bullshit to fill my performance review. Or be asked to fly across the country and spend weeks at a client site doing work I don’t particularly enjoy.

Or listen to senior management stroke our collective egos so hard that it literally makes me hurt. Or “All Staff” meetings where you’re fed cheap pizza to avoid paying for your time.

But, it’s more than that too.

It is my time to ditch the primary accumulation phase of my life and usher in the phase where I actually do those things that I want to do. No looking back. No sabbatical. No “I might return to work one day”. When it comes to early retirement and pursuing my passion projects, I’m all in.

It’s starting off on the right foot.

I am working with the one and only J$ at Rockstar Finance on some awesome projects – projects that I thoroughly enjoy. I am also working with a friend of ours here in Tucson to produce some video content. I am toying with the idea of offering videography services in the future, and it would all build on the work that I’m putting in right now.

I have the luxury of pursuing these projects without an expectation of payment. But on the other hand, I know it will come. My wife and I designed our retirement plans so we won’t NEED to earn another dime in retirement, but the more we earn doing things that we enjoy, the more comfortable our retirement will be – and by that, I mean more visits to breweries around the country.

We may not need our comfort zones as much as we once had, but we always like to feel comfortable.

What am I looking forward to the most?

Intentional focus – I am looking forward to the new-found freedom to focus on the things that bring value and satisfaction to my life. Every day that I sit down at my computer in the morning is another day to focus completely and entirely on my passion projects. This blog. Other web development projects. Photography and videography.

Along the coast in Baja California, MX | Photo taken July, 2016

The truth is that full-time jobs require an incredible amount of time and attention – and the more money that we’re paid, the more attention that we generally need to devote to these jobs. By the end of the day, many of us are drained – both physically and mentally. Our ability to focus on other projects becomes compromised and inhibited by this constant “attention suck”.

Taking breaks – I am looking forward to days where I can take a break if I feel like I need one without answering to a boss or submitting a request for PTO (Paid Time Off…vacation).

Perhaps I will re-design my week so Wednesday and Thursday becomes my weekend. But truthfully, and in true “Steve fashion’, I’ll probably just play this by ear and take each day as it comes. If I feel like I need a day off, I’ll take it. Otherwise, I’ll focus and work, even if that means that I am engaged and focused six or seven days a week. If it feels good, I’m doing it.

That’s the thing about doing work that you actually enjoy…weekends aren’t quite as necessary to replenish your excitement reserves that full-time work steals from us every freaking work day.

Living off peak – I want to live off peak and stay in on the weekends when everybody else is out and about flooding the streets with traffic, creating long lines at stores and crowding entertainment venues. The popular peak times during the day should be when my wife and I stay in.

When you aren’t working a full-time job during the day, you get to use that time to take care of those “life tasks”, like grocery shopping, renewing your driver’s license or gassing up your car – at 10am instead of rush hour or the weekend.

A few other things that come to mind:

  • Checking one less email account
  • Keeping fewer machines powered up (work laptop)
  • No more performance reviews
  • Unlimited vacation time
  • Nap time no longer a frowned-upon activity!
  • No more performance reviews
  • Did I mention no more performance reviews?

I just retired – now what?

We are at my in-laws through the day after Christmas, then we drive to my folk’s place to spend a little time with them – and I get to enjoy all that with no work horizon. There’s nothing that I am dreading come January 2nd. No conference calls. No time sheets. When we return to Tucson, I begin my next life, which my wife has promised will include regular “Honey Do” lists because, you know…I got the time or something like that.

But right now, my task is to enjoy this feeling of immense satisfaction. Job done, but the real work is just beginning. My life’s work, free of holding down a job. It should be an amazing ride.

Today feels like a damn good day for a hike.

We track our net worth using Personal Capital



Comments

180 responses to “My name is Steve, and I just retired at the age of 35”

  1. J. Money says:

    Yeah son!!! Congrats!!! We’re all so happy and jealous of you at the same time! 🙂

  2. Adam says:

    CONGRATULATIONS! Don’t forget to get those workouts in while you’re on the road 😉

  3. Slow Dad says:

    Woohoo! Congratulations Steve, that is huge news.

    Welcome to the club, and enjoy the next exciting phase in your life.

  4. WOO HOO! Such an exciting day! May today be the beginning of an amazing ride – and totally designed by you! Merry Christmas to you and Courtney!

  5. Awesome post to start your FIRE! Now, we want a Performance Review every quarter with your progress against objectives!

    Happy for you, Steve. Your blinding Airstream is welcome in the N Ga mountains any time!!

  6. Congrats!!! What a way to going into Christmas, oh and the rest of your life! 🙂 Enjoy the ride! Merry Christmas to you and Courtney.

  7. Congratulations and enjoy the freedom! Can’t wait to hear all about what you’ll do in your next phase.

  8. Miss Mazuma says:

    So so happy for you both!! I know great things are coming for the future…especially since you’re teaming up with J$! Not sure what your plans for videography are but I enjoyed watching you put your composting toilet on the RV…and I don’t even have an RV (or composting toilet for that matter) so I’m sure whatever you do will be just as captivating if not more. 😉

    Watching the countdown has been fun, but watching what you do now will be even better! Congrats again!!! 🎈🎉🍾🎊 Have an amazing holiday and enjoy your REAL time off!!

    • Steve says:

      Thanks Miss Mazuma! Very much appreciate your kind words! We’ll see where this whole new venture takes me. Whatever happens, I believe it’ll be for the best. 🙂

  9. Love it! Man, I envy you. I am with you… The “performance review” is the absolute worst waste of paper and time on the face of the planet. Not a fan. I dred it every year. Performance reviews should be replaced by naps. A way better use of time.

    Great stuff! And you get to work with J money?! Cool! Have a great time!

    • Steve says:

      Hah! Love it…replace them with naps. Even when I was the Director of an IT department, I hated conducting performance reviews. Whether I’m *being* reviewed or actually *doing the reviewing*, it’s just not a fun process. Thanks for the comment!

    • You are correct, Adam. Naps truly would be more productive than performance reviews. No joke!

  10. Congrats on transitioning to a new phase in life. It sounds like you’ll have to be careful or your calendar will be so full there will be no time for those naps. But in all seriousness, great post and it must feel fantastic to be free of those reviews.

  11. Marc says:

    Congrats Steve! I’m so happy for you!

  12. Adam says:

    Congratulations, I have been waiting for this post with eager anticipation and now looking forward to what comes next… Can’t wait to read more of your adventures.

    All the hard work is now paying off… I can’t even imagine how good it must feel, but I can’t wait to find out for myself in a few years.

    Merry Christmas. 🍻

    • Steve says:

      Thanks Adam! It really is tough to describe, and I’m not sure it’s all truly set in, yet. All I know is I get to enjoy the holiday season this year without having to worry about the next year’s worth of mandatory full-time work. Great feeling!

  13. Kristin says:

    Congratulations Steve! You’re so right about the total price of full-time work. That becomes ever more apparent to me as time goes by. Have a fabulous Christmas & New Year’s. I look forward to your continued posts/videos as you document what life is like on the other side!

  14. What a day – congratulations! I’m looking forward to tracking along and seeing what you get up to over the next few months/years! I can’t say I’m not a little jealous!

  15. GO4ITUSA says:

    Welcome to the club!! Well done and congratulations!! I don’t know you personally yet I’m very proud of you.

  16. Congratulations, Steve! I just passed my 6 month mark and am amazed how busy I’ve been just living. With all those projects lined up, you’re gonna be busier than ever having fun full time 🙂

    Enjoy your big day!

    • Steve says:

      It’s amazing how that works, isn’t it? You retire from full-time work, but you aren’t exactly bored. That’s what happens when you retire TO something rather than FROM something. Thanks for the comment!

  17. Roadrunner says:

    BIG congratulations to you! You have made a lot of people both proud and jealous 🙂 I wish you a lot of joy and happiness for the new chapter of your life!

  18. Nate St. Pierre says:

    Love this! That’s gotta feel so good. And I’m excited to work more with you in 2017, too. Congratulations, man!

  19. Congrats Steve! I’m happy for you and jealous 🙂 Can’t wait to see how your travel unfolds. We keep toying with the idea of doing a year in an RV in the future. Happy holidays!

  20. Team CF says:

    Deep bow, hat tip and slow clap! Awesome, well done!
    Have great fun with all the newly found time to explore your new projects and challenges.
    In the mean time, we will just keep going, 42.5% still to do……

  21. Performance reviews remind me of Office Space! Great that you have projects lined up! Good luck!

    • Steve says:

      Ha! A lot about full time work reminds me of Office Space. Amazing movie and captures so much of corporate America. Ugh! I should probably watch that movie again some time soon. 🙂

  22. TJ says:

    Congrats Steve! So excited for you guys.

  23. Congratulations, Steve! This is so exciting!!! Many more GIFs to come to celebrate. 🙂

  24. CONGRATS Steve! Awesome news! I’m extremely jealous and hope to be in the same place soon!

  25. Congrats Steve! That’s one hell of a Christmas gift! Enjoy your newfound freedom!!

  26. I would like to review your performance here if you have a minute.

    Team player. Works well with others. Writes well, and seems to have a great time doing it. Knows what he wants and he knows how to get it.

    Have a Merry Christmas and Enjoy Life!
    -PoF

  27. Woohoooo!!! Merry Christmas, indeed! Congratulations on achieving FI!!! I’m super jelly but I know it took a lot of work to achieve this. 🙂

    • Steve says:

      Thanks Mrs. Picky Pincher! It did, but as we suspect, it’s worth it. And even better…no lifestyle change because of my retirement! We’ve been living the retirement budget (as close as we can, anyway) for several months now. 🙂

  28. Petra says:

    Well done, Steve! And enjoy!

    (I’m almost 38, not retired yet (give me a few more years) and just a little bit jealous)

  29. Scott says:

    Congrats. You are going to love it.

  30. Congrats Steve!

    This is very exciting news! I am looking forward to reading about your adventures in early retirement!

    DGI

  31. Congratulations Steve! Merry Christmas!

  32. Welcome to the Club!! You are making me feel old. The thing I hated the most was the weekly expense reports: taping each receipt to a piece of paper to hold in perpetuity in case the IRS audited my boss. Enjoy the Holidays, these will be the ones you remember the rest of your life (remember that year we…).

    Good luck on all the Blogging/Video projects. I look forward to seeing great things come from you.

    Merry Christmas and a very happy (and FREE) 2017

    • Steve says:

      Ah yes, expense reports. Yup, I’m right there with ya. Luckily I didn’t travel enough for them to be a huge burden, but I certainly did have to meticulously keep all receipts as if they were pure gold. Ugh!

  33. Joe says:

    Merry Christmas and Congratulations! Your ER life sounds awesome already. Enjoy it! 🙂

  34. LT says:

    Wow! I can’t believe that you retired a couple of years after you decided FI was the way forward fro you. Congratulations. This is the most inspiring thing I’ve read all day :p Merry Christmas & Happy New Year

  35. Congratulations Steve! It’s great to see the culmination of all your hard work building to this moment. I can’t wait until we can say the same thing. Good luck with the transition. I love the idea of living off-peak!

    I’m sure after a bit of relaxation and the traveling you guys are doing, you’ll be telling us how great it is to have arrived. We’re jealous!

  36. Congrats! You are in a perfect situation. I always suggest to people that they work on projects and side businesses that they are so excited about, that they would do for free, and then let the money come later. But I always get a glazed look from them, or some excuse, because they are not in a good financial position to do that. It is sad.

    I actually enjoy my chosen career and I went back to work part time, and let me tell you, if you ever decide to do it, it is sooooo much different than full time work. I don’t ask for time off… I notify. I don’t have performance reviews. I take extended time off between projects. I only go in the office 2-3 days a week. Like you said, I LOVE having free days during the week. I’m 43 and I will never go back to a full time, salaried job with ‘benefits’, which I actually call the ‘golden handcuffs’. Never, ever. I have zero work stress.

    • Steve says:

      That sounds like a truly awesome place to be! And you’re right, if I ever do go back for something, it’ll be something like that. Part-time work on MY terms, not theirs. I’ve been imprisoned by those golden handcuffs for so many years, and now I’m finally escaped.

  37. Lady Locust says:

    Wow! How awesome! Wishing the 3 of you a very Merry Christmas (have to include Charlie.)

  38. Bodio says:

    That’s awesome!
    Nice job (pun most definitely intended!)

  39. Congratulations! I am really happy for you, and so pleased to see someone achieve it. I need to get into a similar position!! I almost have my debt paid off (few more months to go!) so after that I can really jump on board with the pursuit of FIRE!

    • Steve says:

      Thanks for the comment! You’re right, having no debt makes a huge difference in your ability to save and control your own destiny. It’s a wonderful position to be in.

  40. Mrs. COD says:

    Wow, what an amazing feeling that must be! Congratulations and enjoy the holidays as well as your new freedom!

  41. Jon C says:

    Congratulations! I really enjoy your blog and wish you amazing success in your retirement!

  42. Eddie Gulley says:

    Steve,

    Congratulations. I’ve been lurking a long time, enjoying your story. Well done!

  43. Patty says:

    Congrats Steve with this amazing achievement. Long time lurker and you guys are a true inspiration, even though I am across the world. Let your dreams come true!

    • Steve says:

      Thanks Patty! I appreciate your comment, and I’m glad to have readers from around the world. Some of my favorite blogs are written by those overseas. It’s a wonderful and diverse community, no doubt.

  44. Eric B says:

    Just wanted to pile on and say: congrats! It’s great to see people follow through with their ER plans instead of backing off and convincing themselves that they maybe actually “love” their job 🙂

    • Steve says:

      Ha! Thanks Eric. I tried to convince myself of that…maybe not that I “love” my job, but that it was *good enough*. Finally, I realized that it wasn’t even that..and I’m glad I let myself acknowledge what I knew to be true. Thanks for your comment!

  45. @Guyon_FIRE says:

    Congrats Steve! This is an inspiration and I hope it gives motivation to those on the path to FIRE. Look forward to reading about the transition. Let me know if you need east coast brewery recommendations

    • Steve says:

      Thanks GuyOnFire. If anyone becomes inspired by my words, then I’m truly humbled. It’s wonderful to know! Thanks, as always, for your comment my friend.

  46. Adam and Jane says:

    Hey STEVE!!!

    CONGRATS!! My wife was recently laid off after 30 years of service and she laughed out loud when I mentioned your “No more performance reviews” comment!!

    She definitely will not miss giving reviews and receiving her own review.

    Enjoy your retirement! I got 2 years and 9 months to go until 55 so that I can I get my pension and some money for medical healthcare insurance.

    Adam

    P.S. Keep those beautiful scenic pictures coming.

    • Steve says:

      Thanks Adam and Jane! I definitely plan to keep those pictures coming! Oh, and that pension will be an awesome benefit in the future. You’ll be glad that you waited even though you probably want it *NOW*. 🙂

  47. Mr. PIE says:

    Huh, this ER thing might just catch on, you know…

    It really happened for you. It really bloody happened!!

    Awesome stuff. Happy holidays to you and Courtney. It will be a special one, no,doubt!!

  48. Congrats, Steve, and Happy Holidays!
    I’m eager to hear what the new year brings for you and your family.

  49. Wow congratulations, can’t wait till I hit that point too. I can so relate to the bullshit meetings and busy work. I’m mostly looking forward to getting rid of my 3 hour commute.

    • Steve says:

      Three hour commute? Wow! Yeah, I can imagine that you’d want to get rid of that. I can’t imagine it taking that much time to get to and from work. More power to you for making that work!

  50. Congrats and Merry Christmas!!!

    I can’t wait to see what you do next, and oh so jealous of the nap time . . .I LOVE nap time 🙂

  51. Well, that’s a surprise! I thought you might have waited until *next* Friday. The week between the holidays is usually my favorite because it’s soooo slow. The best time to clean up the desk, catch up on emails, etc. Get paid full-time for half the work, hehe!
    Anyway: Congrats on this great achievement and best of luck in your well-deserved retirement!!!

    • Steve says:

      Thanks ERN – actually, they are keeping me on the books until next week even though I’m done working now. So, I get paid for an additional week, not to mention healthcare coverage. What a deal! 🙂

  52. Toocold says:

    Congratulations!! I look forward to updates on how your post-FIRE life evolves!

  53. Kyle says:

    This. Is. Awesome! Congratulations, and well done on getting to this point!

  54. Congratulations Steve, and Merry Christmas!

    My name is Jason and my wife and I retired age 43, just over a year ago. We’ve spent that year travelling Europe in an RV, and are currently in Portugal, in sunshine against the Atlantic.

    The past couple of weeks have been something of a challenge, a hitting of walls if you like. Apart from maintaining a travel blog (ourtour.co.uk) and a couple of weeks a year doing website management and video production, we don’t work. That’s causing me some challenges, since I quite like work, with all the caveats you mention above taken into account. We quit work more to STOP doing things we didn’t enjoy than to START doing things we enjoy. Maybe because we just no longer knew what we enjoyed.

    The solution seems simple: to create more work for myself, which is something I’m currently working through, and I’m excited about the idea of kicking off a new project.

    There is definitely a challenge in quiting work so early, one I’m sure you’re up for, but keep an eye on each other’s wellbeing these coming months.

    Cheers, congratulations again, Jay

    • Steve says:

      Thanks Jason, and Merry Christmas to you as well. I love your traveling adventures; we’ll hit Europe one of these years. And yup, I completely understand your need to create some work for yourself. Having something to focus on is incredible. I’m definitely looking forward to the challenge of balancing free time with staying focused. 🙂

  55. Tawcan says:

    Woohoo congrats Steve! Exciting time awaits.

  56. What an incredible feeling. I can’t even imagine how you must be feeling to hang it up and start pursuing your passions full time. That is so awesome!!! I look forward to reading your journey as I know it’s going to be a blast to read about.

    Thanks for sharing and hope you have a Merry Christmas!!!

  57. Justin says:

    Welcome to the club, my man! I know exactly how you feel and it sounds like you’re jumping into many exciting projects right now! Have fun but don’t “work” too hard. 🙂

  58. Sandipan says:

    Oh man! So proud of you. Wish you and your family Merry Christmas and happy brand new year! All the best.

  59. Congrats Steve! I don’t think you’ll regret your choice one bit. You’re about the age when I pulled the ripchord (34), and it’s been a magical time since.

    The fear of running out of money in retirement is totally overblown for folks who retired early, b/c we know how to hustle if necessary!

    Merry Christmas!

    Sam

    • Steve says:

      Thanks FS! Yup, our ability to hustle and adjust our spending will definitely make our stash of cash last. Like you, I’m not worried about it either. It’s fun! 🙂

  60. Robert Small says:

    Congratulations Steve! So happy for you yet I’m jealous that I won’t be done until 3/31/17 when my IT job is outsourced to India. Hit the links in your article and ended up reading about hiking the entire AT which I intend to do next April. I’m hoping the trip will be a brain reset after spending 34 years in this field. I really enjoy your writings and videos, keep ’em coming.

  61. Mariana says:

    Congrats! 🎈 🎉
    10 years from now – I will do same. I will be 47 but that’s still 20 years earlier than most of the clowns!

    • Steve says:

      Thanks Mariana! Yup, 47 is still super early these days when the retirement age keeps getting further and further away. It’s sad…and completely preventable, too. 🙂

  62. Welcome to the new world Steve. I always like to say this is only just the beginning…a first step of many.

  63. […] Pretty explanatory, and pretty AWESOME for all those who manage to achieve it (shout out to my man Steve Adcock who just hit it at 35 last week! Baller!). But there’s a trend lately going on with the R in […]

  64. Congrats, Steve! I don’t imagine you’ll have a hard time living life to the fullest. I look forward to hearing about all the adventures and life after work!

    • Steve says:

      Thanks Green Swan! I’m looking forward to getting more and more involved into the “retirement lifestyle”, which is looking to be AT LEAST as eventful as full-time work, but so much more enjoyable. Appreciate the comment, my friend!

  65. Great work and congrats!

    We hope to “be there” in a few more years.

    Cheers,
    Mark

  66. Congrats Steve! We are all really excited for you!

  67. Steven says:

    Congrats Steve! Even better it looks like you retired to something as you hit up the RV, side projects, and hopefully breweries;) Wish you all the best sir and congrats again!!

  68. Mrs. Free says:

    Steve,
    Congratulations!!!! I can’t wait to read more about your next life as I plan mine! I admire you for pulling the plug.

    You are an inspiration!!! After having a week off…and another to go…I’m wondering if I, too, can figure out how to make it happen at 35 vs. 37!

    Mrs. Free

    • Steve says:

      Thanks Mrs. Free! You might be surprised at how early you can retire if you’re flexible enough. Your spending post-retirement and side hustles will make the difference between those two years. If you want it bad enough, it probably can happen. The fun part is discovering the path towards that finish line!

  69. Jason says:

    All I have to say is congratulations. 2016, in many ways, has totally blown, but this certainly doesn’t!!!

  70. Job Well Done Steve! If you’re wired like me, you’re going to absolutely love being independent. I love to work, so I’m not retired in the traditional sense. I just love being able to work on my own terms. I went independent as a sales person three years ago and it would be incredibly difficult for me to give this life up. You summed this lifestyle up perfectly in your post: You work on your terms. You work when you want to work. You work how you want to work. Performance reviews are simply taking a long walk during work hours and just talking to myself and God about my life. Those are the only opinions I have to listen to now which I love. I’m still dependent on the income of my sales business. (I’m a promotional rep, so 75% of my sales are branded clothing reorders to corporate accounts that I’ve built up over the years), but now with the savings I have accumulated, I’m trying to build my bridge to work on my passion projects full time. My dream is to turn Wealth Well Done into it’s own full-time ministry I can devote my life to. I’m a great sales person because I simply love to help make people’s lives easier. That’s what I want to do at Wealth Well Done. Simply help people attain the right mindset to achieve their dreams, and then help them along the journey. One step at a time and I hope to one day get there. Good luck, Steve, and I look forward to working with you as our passion projects intersect at different times. Thanks for the support, and reach out any time.

    • Steve says:

      Thanks Bill! I love what you’re doing with Wealth Well Done and your mission of achieving dreams. That’s something that many of us talk about, but too few of us actually do. Very much appreciate your comment, and best of luck in your drive towards financial independence. It definitely sounds like you aren’t far from reaching that goal. It’s a great feeling!

  71. moneycorgi says:

    Hi Steve

    congratulations, you give the rest of us motivation and optimism that aiming for early retirement is achievable. If you can do it at 35 then surely it should be straight forward if we’re only aiming for 45 or 55?

  72. Not much else to say but Happiness for your milestone.
    Positive vibes your way as the next step of your journey begins.
    I’m along for the ride 🙂

  73. Takalak says:

    Congrats Steve! Did I miss the part where you tell us how exactly your boss’ face looked when you quit?!

  74. Congratulations, Steve – retiring at age 35 is incredible! Very happy for you and will enjoy hearing your thoughts on how it feels as you get into 2017. It’s been 9 months for me and it is still very surreal.

  75. Basil says:

    Very late comment–I’ll blame the holidays–but here is one more big congrats! You’ve earned it!

  76. Andrew says:

    Congrats Steve!!!!! Way to make it to the finish line. Can’t wait to see what you do with all of the new freedom! Super happy for you!

  77. Savestacks says:

    Pretty damn awesome man, I’m interested to know if you get bored and go back to work or if you slowly adjust to the new retired life. Life after work is always a wonder…

    • Steve says:

      I will be sure to keep you all updated on the blog, but boredom is never something that I’ve struggled with. I have a lot of projects going on, so there is always something that can be done. 🙂

  78. Jef says:

    Congrats on that one Steve! Looking forward to watching your journey continue onwards and upwards 🙂
    How did that hike go btw ha?

  79. Stockbeard says:

    Hey Steve, don’t rub it in!
    – Sent from my cubicle on January 3rd.

    Seriously though, congrats, I can’t imagine the rush of happiness right now, and am just looking forward to it happening to me in a couple years.

    • Steve says:

      Hehe, thanks Stockbeard! It is pretty darn neat not to have to worry about a full-time job. It’s the mental aspect of early retirement that I like the best.

  80. […] on the cake, Steve over at ThinkSaveRetire just announced he retired. I relate a lot to Steve because we had similar FI timelines and he’s 35 just like me. I was […]

  81. […] we begin, this was a very expensive year (it also kicked ass because, well, I retired). We bought our Airstream and truck and acquired everything (we think) that we will need to live […]

  82. Evan says:

    I am so far away from this point that I couldn’t even imagine it! But so pumped for you

  83. […] of 2017 – and the first real Friday where I get to call myself a true, officially-christened early retiree! The goal is to make this the best damn year ever as we both set sail into the sunset as full-time […]

  84. […] month, Steve from ThinkSaveRetire retired at age 35. There are countless others who have done the same. Early retirement is not a fantasy but a goal […]

  85. Ted Matthews says:

    Well done congratulations! We currently are working and according to our numbers we should be financially free in 5.7 years. Was it difficult when the time came to stop the rat race?, In our case we have a great paying job and we do enjoy however we still stuck?

    • Ted Matthews says:

      Also is your income coming from a brokerage account investment or rentals?

      • Steve says:

        No rentals or investment properties of any kind. It’ll come from our short term savings account as well as our brokerage account, transitioning in the future over into a Roth conversion ladder so we can get at our longer term retirement savings early, penalty-free.

    • Steve says:

      Thanks Ted. It definitely wasn’t tough to quit the rat race. I did have a relatively high paying job, but that didn’t make the JOB itself any easier to do. I still derived virtually no satisfaction out of it, so I just couldn’t go on any longer in that kind of environment.

  86. Jessica says:

    This is so awesome to read. My husband and I are downsizing into a tiny house on wheels this year with our early retirement intentions. We’re 36 and 38 and hope to do this within two years time. Do you ever talk specifically about the financial planning and what financial planning milestones you had to hit to be able to retire? We know the 25 times your annual spend equation and what not… but I am still somewhat afraid of pulling the plug so early with uncertainty. I also wonder did you all factor in health insurance? That could be our biggest factor even though right now we’re both healthy people.

    Would love to know more!

    • Steve says:

      Thanks for the comment, Jessica! We definitely factored in health insurance, and with our significant reduction in income in the future, we will quality for inexpensive health insurance on the Exchange. We don’t know exact costs yet because my wife is still working through April, but we should know more later this year.

      Regarding milestones, not really. We had a net worth number that we wanted to hit before we called it quits, and we hit that like 4 months ago. Ultimately, our flexibility post-retirement will be the key to *staying* retired. If things get tough, we adjust, even if that means finding odd jobs to do here and there. And even if we do need to do something like that, making this jump is still worth it. Working an extra DAY in a job that doesn’t satisfy me isn’t something that I accept any longer! 🙂

  87. Mark says:

    That’s awesome! Congratulations.

  88. So happy for you! Mostly jealous, but also happy! I’m looking forward very much to enjoying the holidays without any feeling of “Oh, shit, on January 2 I have to…”

    • Steve says:

      Hehe, thanks Vigilante! It was a nice feeling to have. Got to focus entirely on having fun and enjoying myself throughout the whole vacation, not *just* the beginning of it! 🙂

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