Welcome to crisp retirement! Why name this page crisp? Basically because it sounded good to me. I like crispy bacon and certainly don’t mind crisp dollar bills either! Speaking of crisp dollar bills and turning to my real topic – you can’t retire without saving money, so quit spending so many crisp dollars bills and start saving them! Yep, it’s yet another personal finance blog talking about retirement, but it’ll explore other topics that fit in the world of money too!
Why start yet another blog on early retirement? I guess it’s because I like my job and don’t want to retire by the time I’m 40, but don’t want to work until I’m 65 either. I figure there is a middle ground for me – and a lot of other people out there too! There don’t seem to be as many blogs about the middle ground, but voila now there is at least one. Whatever made you land here, hopefully it will be helpful!
Perhaps this blog will be a gateway drug to very early retirement and the likes of Mr. Money Mustache… or maybe you’ll retire sometime in your 50’s… or maybe you’ll decide it’s all too hard and that you’re going to have to work forever. I certainly hope the last isn’t the case! What exactly made you land here, I don’t know! What I do know, is that way too many Americans don’t do enough planning for retirement and that needs to change. If you’re one of those people who feel like you’ll never be able retire, YOU need to change the way you think!
It won’t be easy, and you’ll probably have to make some sacrifices, but it will be very freeing to know you have some financial independence. Take the journey with me to a somewhat early retirement or on time retirement!
Step 1: Get Debt Free
You’re going to want to do this first – except possibly a couple auto loans and a house loan if they apply.
Step 2: Set Goals
Different people have different goals. From retiring early, to maximizing travel, to supporting a kid’s college. However, with all these goals, you must make sure you are saving for retirement!
Step 3: Plan for Goals
Whatever your goals are, you’re going to need to plan for them and that means a budget! They really aren’t that monotonous or difficult, really!
Step 4: Follow Through with Plan
You’ve got to keep steering back to your goals. You’ve got to actually follow through! You may reach some goals and set new ones along the way.
Step 5: Retire
You’ve completed the path, but it isn’t actually over. You’ll still have goals to set and planning to do. You’re going to want to do something in retirement and you’re going to want your money to last!
As I continue posting, we’ll discuss a lot of these things. Some in a lot more detail than others, but following this basic template, you should be able to successfully retire and enjoy yourself along the way!