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petermitchell011 · 5 years ago

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Retire early: Can ordinary Americans find financial independence and stop work by 50?

What would it take to retire at 50 or 40, or even 30? It seems almost unrealistic to spill ink over when many Americans are already so behind on saving for retirement.

But there’s a movement growing in popularity, especially among younger adults, that preaches extreme saving, side hustles, long work hours and aggressive investing to achieve FIRE – financial independence/retire early – on an accelerated timeframe, often within 10 to 15 years.

But given the dismal statistics on Americans’ financial well-being, is FIRE only attainable for just higher-earning workers? After all, 40% of people can’t pay for a $400 emergency with cash on hand; only half have three months in emergency savings, and almost half carry credit card debt month to month.

What is FIRE?

While the “retire early” part typically turns heads, FIRE adherents focus more on financial independence, with the goal of building up enough in assets to pursue the kind of life they want as early as they can.

Many still work after achieving financial independence, but on their own terms without concern over how much money they make.

FIRE is as much a philosophy as a financial strategy.

“It was born out of dissatisfaction of the status quo of working in corporate America until you’re 60 or 70 years old and finally retiring and living a great life after that,” says Sam Dogen, founder of the blog Financial Samurai.

It also rejects American consumerism. Those seeking to “FIRE” learn to live on less by questioning the value of how they spend their money.

“Before, I succumbed to lifestyle creep. It’s baked in our society,” says Scott Rieckens, author of “Playing with Fire,” who has a forthcoming documentary on the movement. “But now I’m able to refocus my life and align my spending with my values.”

Can I FIRE?

Many of those who have popularized the FIRE movement did make around the median household income – when they first entered the workforce in their early 20s, supporting no one but themselves. After that, their income quickly escalated to several times the median.

For instance, the well-known Mr. Money Mustache – also known as Peter Adeney – started his first job in 1997 making $41,000.

But he and his then-wife ended up earning $195,000 when they reached financial independence at age 30 in 2005, according to an accounting on his blog.

Dogen started his FIRE journey with a $40,000 salary in 1999 in Manhattan and was pulling in more than $300,000 – with his wife – when he reached financial independence 13 years later.

Leif Dahleen, the author of the blog Physician on FIRE and an anesthesiologist by trade, was making about $400,000 when he realized he could retire early, but he’s keenly aware that accomplishing FIRE is a lot harder for those making the median income of $62,000.

“After taxes, they have a $50,000 budget. If you can live off half of that, you can achieve financial independence in 15 years,” he says. “But you have to give every dollar a job. You need to really want it and prioritize it over everything else.”

There are examples. For his book, Rieckens noted that he met several people pursuing FIRE on more middle-class incomes, including a family living on $70,000. Others point to Jillian Johnsrud of the blog Montana Money Adventures.

A real-life example

Johnsrud achieved financial independence in 13 years on a low-to-middle-class income and hampered by $50,000 in debt. She and her husband’s combined income started at $15,000 and went as high as $60,000 as they worked toward financial independence.

Johnsrud, who never completed college, worked a variety of retail and sales jobs, while her husband, who has a civil service degree, enlisted in the Army.

They saved big and small. When her husband was stationed in Washington, D.C., they took on a roommate, saving $800 a month for three years. “That’s $25,000 tax-free that we used to buy our first rental property,” she says.

When they finally bought their first house – in cash – they bought the cheapest one on the market at the time for $50,000 in Kalispell, Montana. Together on evenings and weekends for five years, they remediated its mold issues and renovated using YouTube as their guide.

They drove old cars such as a 1996 Honda Civic they had for 15 years. They ate bagged peanut butter and jelly sandwiches for lunch. They didn’t dine out. They still have “Rice and Bean Monday” and aim to eat less than $1 per pound. That keeps their monthly food bill for seven – they have five children now – at $700.

Overall, her family spends $26,000 to $29,000 a year. She doesn’t pretend the path to FIRE was easy, but she celebrated small victories along the way to stay focused.

“It’s an incredible feeling, especially that first $100,000,” she says. ��Even if you don’t have financial independence yet, it’s still freedom. That’s three years of income.”

Back to reality

Johnsrud’s journey is inspiring, but is it easy to replicate?

“It’s an attractive idea to think you can power-pay yourself over five to 10 years and transition into that kind of lifestyle,” says Bruce McClary, the spokesman for the National Foundation for Credit Counseling. “The reality we see is there are so many woefully unprepared for retirement at any age, and they have so many financial obstacles.”

For the lowest-earning 40% of American households, it may be close to impossible. This group spends more annually than they earn and have little fat to cut from already frugal budgets.

“You can’t get around the math,“ Dogen says. "If your basic living expenses are $25,000 and you make that, then it doesn’t work.”

The middle 20% are better off, spending just under what they earn. They still would need to slash their annual budget of $48,000 by about half – like Johnsrud did– to make FIRE possible.

They must do this as they watch costs of the biggest budget busters – health care, education, housing and child care – continue to outpace wage gains, says Amy Traub, an associate director of policy and research at Demos, a public policy organization.

A lot of things need to go right for middle-class workers on their way to financial independence, she says.

“You can’t lose a job for a prolonged period of time. You can’t have a child get sick. You can’t help out a loved one financially,” Traub says. “You not only have to be very disciplined, but also very lucky.“

FIRE 101

Just like saving for regular retirement, it’s easier to start early when you have more time to build up money and assets and no children to support. It is also important to realize that your FIRE journey could take longer than others who had a leg-up with a higher-earning job. Here are the basic steps.

Save: FIRE adherents aim to put away a significant chunk of their income – at least half, often more. To do that, they slash their costs, typically aiming for the biggest expenses first – housing, food and transportation – and then moving onto smaller bills and more discretionary spending like the internet, cellphone and entertainment.

House-hacking is a common strategy, usually taking on roommates to defray shelter costs. FIRE followers avoid dining out and get creative on food costs. For instance, Dogen squirreled away free food his employer handed out when he was in his 20s. As for transportation, many rely on just one older, cheaper model. Others choose public transit or bicycle for commuting.

Earn: While they save, FIRE aspirants work to increase their income, either logging in overtime or taking on outside gig work such as freelance writing, consulting or driving for Uber or Lyft. Many of them blog about their journeys as another way to earn extra income.

Invest: They max out their 401(k)s and IRAs, which help lower their taxable income. Leftover money is poured into low-cost index funds. Others buy rental properties to create a passive income stream. The goal is to reach the 4% rule, or building up a large enough nest egg that you can safely withdraw 4% a year in retirement without touching the principal.

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fadingpersoncollectorstuff-blog · 6 years ago

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Kalispell Montana Cheap car insurance quotes zip 59904

"Kalispell Montana Cheap car insurance quotes zip 59904

Kalispell Montana Cheap car insurance quotes zip 59904

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I own a car that is 12 years old with only 81,000 miles on it. The car is worth somewhere between $3000 and $4000, depending on if I sell it outright or trade it in. My plan is to drive it for as long as I am able. I have a $500 deductible right now but am wondering if I should change it to $1000 to reduce expenses. I live on a fixed disability income and money is tight. I have no savings. With that said, what would be the best thing to do at this point.""

Can you ride a Ducati 848 for every day use and is the insurance expensive?

I wanna purchase a bike, my first decision is the Ducati 848 evo, i wanna buy it brand new(2012) but the only 2 things im concern about is the insurance on it & can that bike be used every day.... im 22 just got my moto license and have had my drivers license for about 6 years if that matters( i did an online quote was 700$)im looking for full coverage, I live in California have no record of anything bad at all (accident etc).My second concern is can this bike be driven every single day? Its like the Ferrari of bikes and when you own a ferrari you dont drive it every day..... does this bike break down alot? My second and final decision is the yamaha r6 (2012) i want nothing but the ducati but if the ducati cant be driven for everyday and the insurance is a total rip then i guess ill have no choice....Please if possible only answer my questions please (i really don't wanna read get a used one learn from it drop it etc i know and understand that all my only concerns are the questions)""

Anyone know a cheap insurance companies for first time drivers?

I've got my test tomorrow, so i want to try and set up some insurance but its hard for me to find quotes under 2k""

Car bill of sale/insurance?

Im 18 with no licence Im actually in the process of trying to get my licence well my question Is can a family member Put me under there car insurance so i can Register my car since the Bill of sale Is under my name? Im not planning on driving the car until i have my licence

Individual medical insurance plans?

I am getting ready to go into a contracting position and there is no medical insurance provided meaning I will have to supply the insurance for my family. Does anyone do this, and is the insurance deductible on the taxes? I am living in Indiana and the plan would cover 4 members including myself.""

Does anyone know how Obamas health plan is going to work?

If everyone will be required to have insurance, will the insurance offered be affordable? Will it be based on your income?""

What if i cancel my auto insurance and get back after six months?

I canceled my auto insurance before six months. now I got another car and I got accident before I purchased insurance for this car with the same company. then I purchased the auto insurance.so, my question is does my insurance company has to cover for this.""

Kalispell Montana Cheap car insurance quotes zip 59904

How much will my car insurance be?

i just bought a car, an 02' Ford Focus with 62,000 miles for $3,200 and i put $2000 down. Im 20 and am a first time driver and this is my first car, started late, i know,lol. I have NO credit history, but i have a fulltime job. Im not trying to spend a ton of money a month on insurance, i have enough bills and am already struggling to keep up with them. Whats the best insurance i can get thats the cheapest and how much will it approximately be? thank you :-)""

Do I need to add my name under car insurance?

Hi I just got California driving license.My dad has liability insurance.We have old car so we are paying 300-400$ per year for it.I will not regularly driving that car then what should I need to do? Do I have to add my name under current insurance policy and is it illegal to drive without adding my name? People with 2 or more cars have which type of insurance? seriously we are new here and don't know much about this rules and what people do? I'll be highly thankful to you guys.

How much is insurance on an 89 camaro?

how much would it be a month? im 20

A question regarding auto insurance?

even though I have no need of a car/cant afford one, my parents are still pushing me to get a license as soon as possible because they say it will reduce your insurance cost when I eventually do get a car, are they right? thanks""

What is the best occupation to have to get cheap car insurance?

I'm paying the same amount as my car is worth to insure it. I''m old enough to not be a boy racer in a baceball cap and young enough to not be an old duffer in a flat cap .

Do college students get medical insurance?

or like some kind of discount, program kinda thing for students? I am a 2 yr college student right now, is there such a thing? do I have to check with my school? thanks!""

What is the absolute cheapest car insurance for 17 year old males?

I need the cheapest one in general I live In houston Texas with a 92 prelude and I need the absolute state minimum cheapest out there

Toyota Corolla insurance?

Im just wondering, is the insurance on the toyota corolla (s) more expsensive than the (ce) or (le).""

Can my employer raise my insurance rates without notifying me?

I wanted a refund for insurance rates I paid with my employers group policy now that I no longer need the insurance. They are now telling me that my rates went up back in January and want to back charge me. Is this legal?

""I am 19 and am a good student, not a reckless driver. How much would my car insurance be for a 2001 Porsche Bo?""

How much would insurance be for a 2001 Porsche Boxster S. My parents have good credit; we have a $2 million house, live in a good neighborhood in San Francisco. I consider myself a good driver. (I'm male btw)""

Does installing a new stereo into your car affect your insurance?

A lot of car insurance companies ask whether any modifications have been made to the car and I was just wondering on whether this included stereos.

Cobra or individual health insurance?

If I loss of group health insurance due to end of employment, but the company offers Cobra plan which is too expensive for me, can I get the individual health insurance or I have to stick with the Cobra plan? I live in NJ.""

Acting career where do i start?? where is safe and affordable places to live in LA?

Hi everyone first let me just say thank you for your time in advance. I want to move to LA and start my acting career but i have never been in LA so i dont exactly know where would be safe to live and also affordable. Also i wanted to ask about acting a lil bit. I have no experience but i Know thats what i want to do since i can remember but i lived in Germany my whole life and the opportunity isn't really big there and now that im moving to the us I thought why now go after my dreams. After all you'll never know unless you try right... I am 27 years old female I am originally from Ethiopia but i grew up in Germany. I speak 4 languages but thats all i have to offer because i dont have any previous acting experience nor i have never went to acting school. So where do I start??? Any suggestions???? Every advice helps thank you so much for your time again.!!!!!

Is it better to repair cars with insurance company or known mechanic?

I met with an accident the other day where a drunk guy hit me at the rear end of my totyotal avalon. there is considerable body work to be done. i dont know if there may be any ...show more

Will my Geico go up after 6 months?

My Geico is only $62.84 monthly. I have the 6 month plan. I had Allstate before switching to Geico last month. I switched because every 6 months Allstate would go up by $25. I could NOT afford it! So I switched to Geico because it was $125 cheaper monthly. Everyone I've talked to said theres hasnt went up after 6 months. I have no criminal record, no tickets, no felonys no nothing, etc. So I was wondering for all you Geico customers, has Geico been good? Has it went up after 6 months? No arrogant answers, please!""

For car insurance is it better to get it through a broker?

I am 19 years old and I have never had insurance (I have had my license for a year). There is a broker right now charging me $508 to be insured for the whole year. Before finding this broker the cheapest I could find was at State Farm and they were charging $720/year. The thing is I was told I would be charged $33/Month by the broker which would total $396 for the year. Is the remaining $102 their (the brokers) commission? What do you think?

Is it called a fix it ticket when you get a ticket for not having insurance in California?

Can I get a driver's license without a car or insurance?

I'm older than 24 and never got around to getting a driver's license because I went to college at a young age. Now I have an opportunity to use my mom's insured car for a couple months, and I want to practice and get a driver's license, just so that I'll have the driving test out of the way (and won't feel so weird being this old without a license). However, I still don't plan to have a car, I'll be moving somewhere that I don't need a car, etc. I don't want to have to pay any insurance for having the license. Can I just get a permit and practice and take the driving test and get a license, without ever buying a car or auto insurance? And then I won't use the license, I'll just have it until it so happens that I might need to drive (perhaps use the insurance that you can buy along with rental cars, if I need to rent a car?). Also, I'm not sure if I'll be covered under my mom's insurance for permit driving because I am older than 24. I really don't know much about this. I just started looking into it about an hour ago. I've had an illness for a couple years that prevented me from driving but I'm getting better and thought maybe I should learn to drive now.""

""What's the BEST, CHEAPEST and RELIABLE (easy claims) insurance in California?""

What's the BEST, CHEAPEST and RELIABLE (easy claims) insurance in California?""

How much does points on your license affect my insurance?

I would like to let you people know that I'm a full-time student, and that this month has to be officially the worst month of my life. Throughout this month I've been pulled over twice, and the reason for them are pretty stupid if you ask me. I basically see it as being at the wrong place at the wrong time. The first time I got pulled over was while I was getting off a red light with a car in front of me. I got hit with 3 tickets. - Tailgating, (supposedly I was too close to the other car when i was getting off the red light) - Careless driving, (don't know how this plays a roll in why I got pull over) - Loud muffler, ( just got it back from the mechanic that day and had a leak on the exhaust) The second time I got pulled over I stopped on a red light and checked if I can make a right on red, there was no sign stating I can't, so I went ahead and turned red when possible. I was given two tickets. smh -____- FML - Failure to observe traffic control device ( don't know how if I clearly noticed it was red) - Careless Driving _______________________________ Aside from the facts that they are points on my license, I'm going to do my best in trying to take some courses that can remove the points they gave my license. All in all, how much will this affect my insurance. Again FML, I'm a full-time student who commutes and has no job.""

Young new driver getting car insurance?

Okay so i got my license January of this year and i am starting college. i already took a college class last semester while i was in high school. i heard you can send in your grades if their are good to reduce the bill. i lost my high school report card but i was wondering if i can request my college transcript ( which is one class) i got an A in it and i have a 4.0 so can i send that in to reduce the bill. and if not any other suggestions to reduce my car insurance? PS i have AAA and am going to be under my parents insurance

Will getting a CA medical marijuana card affect my health insurance coverage?

I was considering getting a medical marijuana card here in California for my insomnia but I was wondering if it'll go on my medical record that I use cannabis and therefore make my health insurance more expensive. Will my doctor be able to see that Im a medical marijuana user?

How long does a dui on your record affect your car insurance?

ex. I got a dui almost 5 years ago, will an insurance company look at my record from the past 5 years or longer? How many years from your dui do they hold it against you?""

How does insurance work?

How does insurance work? like im really not sure.. do you pay into it every month?

What is the cheapest insurance for a 17 year old?

Im planning on moving out soon and want to get started, the kind of car im going to get is either a ford mustang or a dodge charger 05' and i was wonderin if anyone knew the cheapest insurance there is. Thanks much!""

Kalispell Montana Cheap car insurance quotes zip 59904

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