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How to retire early

Do you have dreams of an early retirement and traveling the world?  How fun would that be to get up and go whenever you want, and take a trip to Europe, Asia, the Caribbean or of course Las Vegas!

How about this one… being able to sleep as much as you want, whenever you want, and wake up when you are done sleeping, instead of waking up to an alarm clock! This is the big dream for many, however, thinking about it and doing it are two entirely different things. That’s why I’m sharing…

5 Big Reasons You Can’t Retire Early

Big Reason #1.  Not sticking to a monthly budget.

If you’re like most people, you may not even have a budget. If you do have a budget, you may be like many and ignore it anytime you feel like it. Learning to budget is key for long term financial wellness, and should be a priority in your plans for early retirement.

Big Reason #2.  Too much debt.

While you may like the idea of retiring early, it can be difficult when you have more debt than you can handle. If you’re still accruing more debt, retiring early may not be in the cards for you, unless you get help quickly.

Big Reason #3.  Under-funded retirement account.

If you’ve been putting $50 a month away in your IRA for retirement, even though you may have been adding to it each month for years and years, you may find you don’t have the funds to create the life you want to live in retirement.

Big Reason #4.  Hesitant to lose identity tied to work.

Many love the career paths they have chosen. When it comes to thinking about retiring early, it may happen that you don’t know what to do with yourself when you’re not working.

Big Reason #5.  You still have years to pay on your mortgage.

If you’ve been in the habit of refinancing your mortgage every 5 or 10 years, when you want to retire early, you may see that you still have to work in order to pay off your mortgage. With all of these reasons working against you…

Here’s How to Set Yourself Up to Retire Early Some Day

To defeat these 5 Big Reasons why you can’t retire now, start out by setting a goal to acquire the amount of money you will need to live on each month in retirement, then set an investing goal to get to that amount.

Then you will need a budget and financial projections to keep you on track, month after month, year after year to keep you in good shape.  There are several programs that can help you get your finances in order. After that, all you need is a new hobby or project to create your new identity, so you feel useful and fulfilled doing what you like to do.