#The simple math of early retirement how to#
#The simple math of early retirement plus#

He used plain English, with no bull explanations, and it just made complete sense to me. When I came across the MMM blog, his writing style was so freaking refreshing. I didn’t want a man in a suit in a flash office handling our money either, and I thought I could do a better job I just didn’t know how.

It was confusing, their products were complex, and when I started to do the math, I didn’t like the cut they each took. The financial services industry sucked, and I couldn’t stomach the thought that if Jonny and I wanted to make a strong money plan for ourselves, it meant we had to take part in either the housing industry (which appeared based on lifelong debt) or the financial sector (designed in such a way that while they made money for us, they also made money out of us).

One option was the housing industry, which was as convoluted then as it is today.

#The simple math of early retirement how to#

That’s a cause for celebration! I can’t think of a single piece of writing on the internet that I’ve returned to as much as these.īefore stumbling across MMM, I had been deep in the weeds of the financial industry in New Zealand, trying to work out how to invest, where to invest and how on earth it all worked. These two powerful blog posts have just turned 10. There is no way we could live on $25,000 a year, but the math still works, and these two articles gave us a considerable amount to think about. No freaking way! You are kidding, right? It can’t be that easy!

#The simple math of early retirement plus#

I’ve got more than that, plus various safety margins in the lifestyle, so all is good”. That’s how much you need to retire, at the most. “To apply it in real life, just take your annual spending level, and multiply it by 25. Then this following article, which he wrote in May of 2012, explained in detail “ The 4% Rule: The Easy Answer to “how much do I need for retirement” and set our wheels in motion.

What the heck do you mean I could retire early? “This blog post shows you how to be wealthy enough to retire in ten years.” MMM It was called “ The Shockingly Simple Math Behind Early Retirement”, and it blew my freaking mind! I don’t think I would not be sitting here today, in our position, had I not stumbled upon it. Money Mustache (MMM), wrote a blog post that changed my life when I eventually discovered it in about 2016-2017. Back in January 2012, blogger Pete Adeney, aka Mr.