Retiring Sooner – My New Book

My first book, Retiring Sooner: How to Accelerate Your Financial Independence, is available on Amazon now for Kindle and in paperback. Just click the cover image below to get your copy. If you want, you can save quite a bit by getting the electronic version. And, you don’t even need a Kindle to read it — Amazon offers free reading apps for your phone, tablet, or computer (Kindle for PC, Kindle for Mac).

Retiring Sooner cover

Retiring Sooner took a lifetime of living and two years of writing to create. It is my take on the process of becoming financially independent. The book covers what you must know to retire earlier. This includes your financial dashboard, desired retirement lifestyle, essential money tools, passive index investing, and the critical relation between savings rate and working years.The most extensive part of the book details more than a dozen ways to accelerate your financial freedom by spending less, and earning more.

If you are in a career now and contemplating how to achieve financial independence, then Retiring Sooner will provide invaluable motivation and hands-on guidance that gets you to the finish line faster. If you know somebody earlier in their career who would benefit from a concise but comprehensive overview of personal finance, the book would make a great gift. And if you simply want to support this blog, then getting a copy and leaving a review on Amazon will be a great help to me!

And, Another Retirement Book

If you are already nearing retirement and wondering whether you can make the leap, then you will probably be interested in my second book, covering the retirement equation.

Can I Retire?

Also, here is another great way to answer many of your questions related to making the retirement decision: Get Mike Piper’s excellent book Can I Retire? The new edition has several updated sections and is available now for Kindle and in paperback.

Mike writes the top investing blog Oblivious Investor, and is one the clearest and most consistent voices in personal finance. His book Can I Retire? discusses retirement income and expenses, inflation, taxes, pensions, Social Security, safe withdrawal rates, annuities, portfolio management, and tax planning. It was one of the key books I read that gave me the confidence to make my own leap to early retirement. Highly recommended!


  1. Congrats on the book, Darrow! But I thought you were retired! Kidding. I’m in Zion this weekend. Wish you could join us. Ken

    • Thanks Ken! As I say in the book, retiring is more about choosing your work than doing none. But I am looking forward to taking it easier this summer. See you soon…

  2. Darrow, thanks for this wealth of information. Quick question, I am an active duty military officer with 18 years of service. I plan on making it to 30 years. With that, I will get a pension that is 75% of my base pay starting the day that I retire. For my rank that will be around $5500 a month after taxes. Knowing that you had this pension how would you change your investment diversification? Thanks so much.

    • Hi Alex, thanks for the comment and question.

      The conventional answer, if you have an inflation-adjusted pension that covers most of your living expenses, is that you can afford to take on more risk with the rest of your investments, in order to possibly generate higher returns. But another way of looking at this, especially if you are a conservative investor or can’t stomach volatility, is that you don’t need to take on risk to generate better returns, so you can go with a more conservative allocation (typically a higher bond allocation) in order to sleep easier at night.

      You’ve got to assess yourself: It won’t do an investor any good to hold a more aggressive allocation to stocks if they just panic and sell at the next major market downturn. It’s also important to analyze your own goals for the investment portfolio: Do you expect to need or want to spend it down in retirement or sooner? Would you be spending it on necessities or optional luxuries? When would you be spending it? Or would you be keeping it indefinitely and passing it on to family?

      You asked what I would do. It’s hard to speculate because I don’t have a pension. My best guess is that I wouldn’t change my middle-of-the-road asset allocation described in My Investment Portfolio: Full Disclosure very much. It’s served me well through a variety of conditions, and I’m a pretty conservative investor.

      Hope that helps. -Darrow

  3. Wow, congratulations! I’ve thought about writing a book someday but the process seems pretty intimidating.

    • Thanks Nick! It was a lot of work, though it’s something I’ve always wanted to do. And the feedback I’m getting is very rewarding. If you want to write a book, just get started, and chip away at it whenever you have time. There is lots of free information and advice available on the process. It’s a long-term project but a worthy one!

  4. Michael Toubbeh says

    Retiring Sooner is a really great guide to both retirement planning and practical money management, both of which should theoretically begin around the time of our first job. I appreciate your foundational statement that no one else can manage this most valuable, no precious, asset that we work hard for and accumulate over a lifetime. Given this, one should take the time to do the hard up-front work, begin early and re-evaluate frequently, just as one would put time into a favorite hobby. Thanks for this very pragmatic book.

    • Thanks for the thoughts Michael. I appreciate the hobby analogy: money management is an ongoing activity, and one we need to take an active interest in to achieve financial independence!