Exploring the Pros and Cons of Retiring Before Your Spouse

New Reader? Get free regular updates from Can I Retire Yet? on saving, investing, retiring, and retirement income. New articles weekly. Join more than 16,000 subscribers. Unsubscribe at any time:

I recently made the decision to retire early. My wife did not. She continues to work the same number of hours at her same job.

Our path enables me to be free of a job I was burnt out on, improves family dynamics, and allows us to live with financial abundance.

No decision is without trade-offs. Having one spouse working when the other leaves their career creates new challenges at the same time it solves others. Retiring before my wife produces new relationship stress, limits financial and personal options that would be available if we were both retired, and creates unique risks.

There are major personal and financial implications for partners retiring at different times. They need to be considered to determine if this strategy makes sense for you.

[Continue reading]

Deciding to Retire With High Market Valuations And Low Interest Rates

A combination of high stock valuations and low interest rates creates a challenge for investors contemplating where to deploy their capital. This environment is especially scary for those approaching retirement, worried about retiring at the wrong … [Continue reading]

Leaving a Prestigious High-Paying Career in Your Early 40’s

The following is a guest contribution from blogging friend Physician on FIRE, an anesthesiologist transitioning to early retirement. Physician on FIRE focuses on issues facing high earners looking to retire early. His writing combines technical … [Continue reading]

Doing Good Better with Your Money

offering gift

This blog has always focused on saving more, investing smarter, and retiring sooner. It's about living your financial life efficiently and effectively so that you reach your goals, and reach them sooner. But there is more to life than getting … [Continue reading]

March 2018–Best of the Web

March is supposed to come in like a lion and go out like a lamb. As the month winds down, neither weather or financial markets are looking docile. Each is a great excuse to grab a hot cup of coffee, get in your most comfortable chair, and explore our … [Continue reading]

Using Domestic Geoarbitrage to Retire Sooner

Geoarbitrage is a concept popularized by Tim Ferriss in his book “The 4-Hour Workweek.” Geoarbitrage sounds complex, but the principle is easy to understand and apply. Different geographic areas have different costs of living. Geoarbitrage is … [Continue reading]

The Best Options for Investing an HSA

The vast majority of people with Health Savings Accounts (HSA) use them as pass through accounts for the tax advantages they provide. Most people defer taxation on their earnings by contributing to the HSA, place the money in a savings account, and … [Continue reading]

Debugging Your Retirement Calculations

Magnifying glass over ladybug

"When a thing is done and past, even fools are wise at last!" —Homer Hindsight is 20/20. The further you go in life, the easier it is to look back and understand the results of your earlier decisions. Nowhere is this more true than … [Continue reading]

February 2018–Best of the Web

It's time to explore the best items from the internet from the past month that will help you save more, invest smarter, and retire sooner. Volatility has made a return to the markets, which has a lot of people thinking about risk management. Risk … [Continue reading]

A Closer Look at Using a Health Savings Account (HSA) to Save for Retirement

My initial introduction to Health Savings Accounts (HSA) came a few years ago. The Mad Fientist published an article titled “HSA - The Ultimate Retirement Account”. After reading his article I filed it away in the back of my mind. I didn't have … [Continue reading]

What If You Can’t Retire Yet?

Can I Retire Yet? It is pretty safe to assume that if you are reading this blog you have an interest in answering that question. There are common themes that cause people to start asking. Many of us feel the tension of never having enough time … [Continue reading]

Launching 2 New Retirement Calculators: Behind the Scenes

Can I Retire Yet Android Pro Net Worth

If you're an Android user, please take a minute to download our new Free retirement calculator from the Google Play Store. This simple, easy app gives you a quick snapshot of your retirement situation. You'll get answers in minutes. Or, if … [Continue reading]

My Retirement Flexibility Scale for Choosing Your Safe Withdrawal Rate

Playing marimba

Prospective retirees want a simple formula for making the retirement decision. Financial advisors, pundits, and salesmen would love to give it to them. And charge for it. But, sadly, it doesn't exist. Sure, there are calculations that will … [Continue reading]

January 2018–Best of the Web

I hope your year is off to a great start. We received some major publicity to start the year. Glen Ruffenach of the Wall Street Journal included Darrow among his favorite writers on retirement planning, placing him in very impressive company. Also, … [Continue reading]

The Fundamental Problem With Retirement Planning

I recently read “The Personal MBA” by Josh Kaufman. The book describes universal principles that can be applied to any business. As a student of personal finance and retirement planning, I saw many parallels between business principles described … [Continue reading]

5 Factors To Consider Before You Roll Over Your 401(k) To An IRA

During my working years, I invested regularly into my 401(k).  I chose to use my 401(k) to take advantage of the considerable tax benefits available to an early retiree. This consistent saving, combined with an incredible bull market over the last … [Continue reading]

Hello, I’m Not Mr. Money Mustache

I recently had the opportunity to sit down to dinner with a group of writers who focus on real estate investing and entrepreneurship. At dinner, I shared that I wrote about early retirement planning. I revealed that, at the time, I was a few weeks … [Continue reading]

My Investment Portfolio: 2018

Stock certificates - 6

The past year was one of the best of my investing career. And likely yours too. No complaints. But beware complacency. The Dow Jones Industrial Average returned around 28% including dividends for 2017. My very conservative and diversified … [Continue reading]

My Favorite Blogs: 2017

Sun Mountain

It's been a good year at Can I Retire Yet? And it's the season for reflection and thanks.... When it comes to this blog, I'd like to single out for special thanks my business partner David at Ekorau LLC, my colleague Stuart at Pralana … [Continue reading]

Why Taxes Matter for Retirement Calculations: The New Law

tax dollars

First, many thanks to the hundreds of people who downloaded and tried our new Free retirement calculator for Android, and to those who have purchased the Pro version. We appreciate the support and positive reviews! We're committed to making … [Continue reading]

How to Hedge Your Retirement Plan

stopping dominos

The following is a guest contribution from blogging friend Stephen Chen, the founder and CEO of NewRetirement, an online retirement planning service focused on helping people prepare for and make the most of their resources in retirement. Steve's … [Continue reading]