Early Retirement

Posts on early retirement, planning for retirement

Fear of Retirement Boredom | 7 Cures [Videos]

For those planning to retire soon, retirement can feel scary from both a financial and a lifestyle perspective.  Fear of retirement boredom is a very legitimate reality, especially for certain personalities. Here are 7 ways to address that subtle and almost embarrassing fear that you could be bored to tears in retirement. Read my own …

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Is Downsizing the Right Choice to Retire Earlier?

Downsizing can be a smart option for anyone who wants to retire soon but lacks the funds to retire comfortably for life. Is downsizing the right choice to retire earlier for you? The answer depends on your overall wealth plan, cost to downsize, alternatives to downsizing,  downsizing calculations and how much it takes for you …

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Is It Safest to Withdraw or Get Investment Income? Challenge

Updated: October 9, 2019 By definition, retirement is the time when you can live off investments. The traditional retirement model is to withdraw 4% a year from your retirement savings to live but an increasingly popular alternative is to get income from investments instead.   Is it safest to withdraw or get investment income to live in …

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how much is enough to retire

Is 1.5 Million Enough to Retire?

Is 1.5 million enough to retire? The answer depends on your age, assets, spending, investment returns and how many income sources you’ll have in retirement.  In this post, I’ll show you how to see if 1.5 million is enough for you to retire based on your own situation.   At Retire Certain, the goal of my articles is to …

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Does the 4% Rule Include Dividends?

If you’re exploring early retirement like we were well over a decade ago, you may be wondering about the income provided from the standard 4% retirement withdrawal rule. Does the 4% rule include dividends, specifically? Or do investors using this popular plan get to withdraw 4% annually in addition to dividend income? The 4% rule …

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How to Buy Assets That Generate Income

If you’re approaching retirement, that anticipated time when you can live off investments or at least work fewer hours own your schedule, you’re probably transitioning to income investing. You may be wondering how to buy assets that generate income. The way you buy income generating assets depends on the type of asset you’re buying. For example, …

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man planning retirement

The Best Income Stream to Start Before Retirement

If you’re concerned about having enough income to live comfortably in retirement, you may want to start one or more income streams beforehand but you’re not sure where to start. To choose the best income stream to start before retirement, consider your desired income, eventual capital gain, acceptable risk and lifestyle. It’s easy to get …

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How Many Income Streams Should You Have? [Videos]

The more income streams you have the better, right? This is not necessarily true. How many income streams should you have? It have depends on your goals, available time, types of income streams, available capital, taxes, demonstrated success, income reliability, and desired lifestyle. In this post I’ll share what I’ve learned in each of these …

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Risk Reward | Start a Business or Invest in Stocks

Start a Business or Invest in Stocks: Which Is Better?

It can be challenging to choose the best opportunity to use your capital when you have money to invest. If you’re wondering if you should start a business or invest in stocks, the major considerations are the 3 elements of time, potential return, capital, skills needed and risk.   Over 15 years ago we wondered …

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