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Exploring the Pros and Cons of Retiring Before Your Spouse

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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.

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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

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Doing Good Better with Your Money

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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

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Debugging Your Retirement Calculations

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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?

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Launching 2 New Retirement Calculators: Behind the Scenes

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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

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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]

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My Investment Portfolio: 2018

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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

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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

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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

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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]