教你如何30多岁就退休

  英语文库 更新：2007-5-5 阅读：  

教你如何30多岁就退休

k somewhere like New York, London, or San Francisco while you are earning your retirement, it is entirely impractical to retire there. Your goal is to sock away savings while living in an expensive city, then move somewhere cheaper. There are plenty of wonderful, affordable places to live in the US, or you can reach your retirement level even faster by moving to a cheaper country. There are entire colonies of retired Americans in cities like San Miguel de Allende, Mexico . One unfortunate outcome of this move is the distance it will create from your friends and family. This is one of the tradeoffs you will have to make in order to gain financial freedom.

Consider the single life, at least until you retire. To achieve an early retirement, a period of sacrifice and hard work is mandatory, and finding a partner who shares your ambition sufficiently to make that sacrifice will be difficult. Furthermore, finding someone who shares your vision for geographic relocation and kids, and will maintain that vision, is doubly difficult. You can pursue relationships at leisure once you are retired, and you will have more time and energy to focus on your career while you are earning.

Consider not having children. This approach to early retirement almost certainly rules out the enormous expense of having and raising children. This is a decision you will need to make carefully. If you decide in haste, it may be a decision you come to regret.

Once you retire, you should be able to spend 3-4% from your nest egg savings each year and have the nest egg continue to maintain its value after inflation. (This assumes that stocks and bonds continue to perform as they have done historically.) So in other words, if you want to live forever on $30,000 - $40,000 per year in today"s dollars, you will need to have $1 million banked when you retire.

Even if you do not actually retire in 10 years because the money earned in this way may not result in the lifestyle of a lottery winner-millionaire, this is a good way to get ahead. If you accept to slog for about 10 years by following all of the above, you will have set aside a very nice nest egg, and be considerably ahead of your peers who chose the "easy" route. You can then get out of that high-stress job and continue working ... full or part time ... in a different environment, while you monitor your nest egg and let time-value/compound interests do their thing.

Warnings

• The retirement described here is a modest early retirement, not the "winning the internet lottery" type of retirement available to folks like Pierre Omidyar or Sergey Brin. This is a plan where hard work can get you most of the way there, whereas the jet-set early retirees mix in a lot of luck and timing. As such, your retirement lifestyle will be significantly more modest than most people think of when they consider early retirement.
• Be aware this article is not titled "How to Be Happy". The financial freedom of early retirement described in this article requires sacrificing many things that most people believe are the greatest sources of happiness in life, such as driving a German automobile, wearing clothes with the right label, or for the more selfless, having kids. It is critical that you are self-aware enough to understand whether the freedoms and benefits of retiring early are sufficiently rewarding to offset the sacrifices you will make. This is a question only you can answer.
• Unfortunately, if you"re already in your late 20"s, it may be impossible to follow this strategy for retiring in your early 30"s. While controlling your costs may still put you in a better financial position, you will already be set on a career path that may be difficult to redirect. Your ability to get those high paying jobs will be in a large part the product of hard work and focus in high school and college, therefore develop the work ethic during those years to land that investment banking job.
• Consider that retirement may be boring. You may have a more fulfilling life by getting a lower paying job as a teacher and working till you are 65.

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