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I retired from my banking job forever at 34. • No mentors • No illegal activity • No severance pay Here are the simple ideas I used to retire early:🧵
The world runs on hidden incentives To retire early you must understand: Everyone is selling something & has a convenient story to do so. Once you stop getting fooled by hidden incentives, you’ll get taken advantage of less.
Stop seeing retirement as an age Retiring early is a lifestyle. Assets pay for it. Two types: • Financial assets — stocks, bonds, crypto, real estate, gold/silver, etc • Digital assets — books, courses, Youtube channels, evergreen social media content, etc
If you don’t have assets then retirement will be at 65 (at best). More likely, full retirement will be never thanks to: • Taxes • Inflation • Currency devaluation “You’re welcome” says grandpa world leaders
Stop working towards the wrong retirement goal Most people’s retirement goal: reach 65 then retire • Work like a dog during your young years • Then chillax in your older years when your body is screwed & your energy is 80% lower? It makes no sense.
A better retirement goal: • Retire as early as possible from work you hate • Transition to work you enjoy. Do work where you don't have to worry about how much it pays Retirement isn’t an age. It’s a choice of what work to do that isn’t based on pay.
Stop thinking 2 weeks of a vacation a year is enough We need time to chill and reset our minds, Otherwise the quality of our work falls off a cliff and our inner Karen gets unleashed.
Stop saying “I can’t afford it” Say: “How can I afford it?” The answer to money problems is to make more money, not cut back on expenses and try to save pennies. Fixed Income = Fixed Mindset
“Stop sacrificing today for an imaginary tomorrow” (Naval) Stop living for tomorrow. Focus on right now. • Society has created the idea of retirement in a way that forces the average person to delay their dreams • The incentives at work perfectly match this nightmare
Stop thinking “you have to be privileged to retire early” We all got disadvantages. Question: What are you going to do about them? • You have the power to change. • And the power to create whatever you want. Reminder: nobody is coming to save you.
What Harvard research bizarrely shows about retirement Retired people told Harvard the best part about retirement is: - No meetings - No commute - The ability to pursue a hobby These are all traits of remote work.
You don’t need to retire to get the benefits of what retirees say is the best part. Get a decent remote job with a reasonable boss and feel like you’re already retired.
A practical retirement strategy • Build a new skill stack • Use it to start an online business Then make enough money to quit doing donkey work & work from wherever, whenever "The world’s best inflation hedge: a highly sought-after skill that gives you leverage" —Jack Raines
Final Thought Early retirement is a mindset. It’s a psychology. Adopt it to become free.
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