{"id":5854,"date":"2015-06-19T10:25:54","date_gmt":"2015-06-19T14:25:54","guid":{"rendered":"https:\/\/aspire-canada.com\/?p=5854"},"modified":"2017-02-19T11:45:39","modified_gmt":"2017-02-19T16:45:39","slug":"15-ways-to-retire-earlier","status":"publish","type":"post","link":"https:\/\/aspire-canada.com\/?p=5854","title":{"rendered":"15 Ways to Retire Earlier"},"content":{"rendered":"

15 Ways to Retire Earlier<\/h2>\n
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The word \u201cretirement\u201d and number \u201c65\u201d are as linked in the American psyche as \u201cbacon and eggs.\u201d Then again, that all depends on how fast you want your eggs, right?<\/p>\n

Retiring early \u2014 or leaving the work force for the golf course, if you like \u2014 might sound like an unattainable goal. But there are many ways to make it, so long as you take numerous approaches into account.<\/p>\n

Yes, 65 is the standard \u2014 but what\u2019s 21st century life all about if not exceeding standards? Here are 15 major financial and lifestyle moves you can make to achieve this goal.<\/p>\n<\/div>\n<\/div>\n

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1. Live Two to Three Times Below Your Means<\/h2>\n

Sorry, folks: Simply skipping that $4 latte in the morning ain\u2019t gonna cut it. It takes a much more committed approach where \u201csacrifices\u201d are viewed in a new light. \u201cIt\u2019s amazing when I work through the numbers that some people think manicures, landscapers and maids are a need,\u201d said Michael Chadwick, a certified financial planner and CEO of Chadwick Financial Advisors in Unionville, Conn.<\/p>\n<\/div>\n<\/div>\n

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2. Redefine ‘Comfortable Retirement’<\/h2>\n

Less spending later constitutes the flip side of less spending now. If you imagine comfy retirement as a vacation home and monthly cruise ship trips, revisit that vision so you don\u2019t have to bleed cash but can still retire in style. Instead of two homes, for example, why not live in your vacation destination and pocket the principal from selling your primary residence?<\/p>\n

Keep Reading: Is Retirement by 40 Doable…<\/a><\/strong><\/em><\/p>\n<\/div>\n<\/div>\n

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3.\u00a0Pay Off All Your Debt<\/h2>\n

That\u2019s right, all of it. First: Is it time to pay off your home? You might not have the resources now to plunk down one huge check, but consider savvy alternatives such as switching from a 30-year to 15-year mortgage. Monthly payments aren\u2019t much higher, but the principal payoff is much greater.<\/p>\n

Second: Do the same with loans and credit cards, as high interest eats up income faster than termites chewing a log. A credit card balance of just $15,000 with an APR of 19.99 percent will take you five years to eradicate at $400 a month \u2014 and you\u2019ll dish out a total of $23,764.48, the calculator on timevalue.com shows.<\/p>\n<\/div>\n<\/div>\n

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4. Consider Overlooked Financial Resources<\/h2>\n

While it\u2019s risky to count on unknowns such as an inheritance, you might have cash streams available outside the traditional retirement realm, said Jennifer E. Acuff, wealth advisor with TrueWealth Management in Atlanta. For example, \u201cUnderstand your options with respect to any pensions you might be entitled to from current or previous employers.\u201d<\/p>\n<\/div>\n<\/div>\n

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5. Invest Early and Aggressively<\/h2>\n

If you\u2019re in your 20s and start investing now, you\u2019re in luck, said Joseph Jennings Jr., investment director for PNC Wealth Management in Baltimore. \u201cDue to the power of compounding, the first dollar saved is the most important, as it has the most growth potential over time.\u201d\u00a0 As an example, Jennings compares $10,000 saved at age 25 versus 60. \u201cThe 25-year-old has 40 years of growth potential at the average retirement age of 65, whereas $10,000 saved at age 60 only has five years of growth potential.\u201d<\/p>\n<\/div>\n<\/div>\n

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6. Married Couples: Play Retirement Account Matchmaker<\/h2>\n

The wisdom of taking advantage of a company match on the 401(k) is well established \u2014 but think about how that power is accelerated if a working couple does it with two such company matches. \u201cIf your employer has a matching contribution inside of your company\u2019s plan, make sure you always contribute at least enough to receive it,\u201d said Kevin J. Meehan, regional president-Chicago with Wealth Enhancement Group. \u201cYou are essentially leaving money on the table if you don\u2019t.\u201d<\/p>\n<\/div>\n<\/div>\n

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7. Practice Sound Cash Flow Management<\/h2>\n

The methodology is simple, yet the results can be profound: Put money at least monthly into systematic investments during your working years. \u201cThere\u2019s no other element of investment planning or portfolio management that\u2019s more essential over the long term,\u201d said Jesse Mackey, chief investment officer of\u00a04Thought Financial Group in Syosset, N.Y.<\/p>\n<\/div>\n<\/div>\n

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8.\u00a0Jump on Employer Stock Purchase Plans<\/h2>\n

How about some free money? The ESPP typically works by payroll deduction, with the company converting the money into shares every six months at a 15 percent discount. If you immediately liquidate those shares every time they\u2019re delivered, it\u2019s like you get a guaranteed 15 percent rate of return,\u201d said Dave Yeske, managing director at the wealth management firm Yeske Buie and director of the financial planning program at Golden Gate University. \u201cAdd the after-tax proceeds to your supplemental retirement savings.\u201d<\/p>\n<\/div>\n<\/div>\n

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9. Start That Retirement Account Today<\/h2>\n

That is, the earlier the better. Millennials<\/a> who kick off retirement accounts early will reap big rewards later. A 25-year-old who socks away $4,000 a year for just 10 years (with a 10 percent annual return rate) will accrue more than $883,000 by the time she turns 60. Now then, can\u2019t you just taste those pina coladas on the beach?<\/p>\n<\/div>\n<\/div>\n

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10. Plan Smart Vacations and Travel \u2014 and Invest the Difference<\/h2>\n

There\u2019s no sense in depriving yourself of every single thing, especially well-deserved time off. But Yeske points out that you can save a ton in 150 countries through a service called HomeExchange.com. \u201cMy wife and I have stayed for free in London, Amsterdam, New York and Costa Rica,\u201d he said. \u201cAnd when you\u2019re staying in someone\u2019s home or apartment, you don\u2019t have to eat out at a restaurant for every meal, so your food costs nothing more than if you were at home.\u201d<\/p>\n<\/div>\n<\/div>\n

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11. Don\u2019t Let Your Money Sit Idle<\/h2>\n

To get to an early retirement, you have to periodically revisit your IRA, 401(k) or other retirement account to make sure your money doesn\u2019t grow cobwebs. For example, the way your retirement account is diversified shouldn\u2019t put too much emphasis on low-yield investments \u2014 such as money market funds and low-yielding bonds. \u201cDividends can pile up in the money market account, typically earning one one-hundredth of a percent,\u201d Yeske said. \u201cMake sure your cash is invested properly.\u201d<\/p>\n<\/div>\n<\/div>\n

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12. Hop Off the Hedonic Treadmill<\/h2>\n

In this curse of consumerism, you buy something expensive, feel excited and then scout for something else to purchase when the \u201cnew car smell\u201d wears off. And it\u2019s a huge trap if you want early retirement, said Pete,\u00a0a finance blogger\u00a0who retired in his 30s. Another advantage: \u201cHere in the rich world,” he wrote at\u00a0MrMoneyMustache.com<\/a>, “the only widespread form of slavery is the economic type.”<\/p>\n<\/div>\n<\/div>\n

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13. Look for Passive Sources of Income<\/h2>\n

Early retirement doesn\u2019t necessarily mean retiring all of your income, especially if you find ways to bring in money without hard work. Investing in rental properties is one way you can create a cash flow stream \u2014 and you can minimize the labor by hiring a property manager. Or, set up an internet sales business and hire a part-timer to fulfill orders and track stock based on volume.<\/p>\n<\/div>\n<\/div>\n

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14. Enlist in the Armed Forces<\/h2>\n

Here\u2019s an alternative way to get to, \u201cAt ease, men.\u201d By serving in the military, you can also serve yourself. Members commonly retire after 20 years, living off generous pensions and health insurance. Even though President Obama in March proposed sweeping changes to military retirement and health benefits, earlier-than-normal retirement should still remain an option for many men and women in uniform.<\/p>\n<\/div>\n<\/div>\n

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15. Hit the Road or Go Jump in a Lake, Indefinitely<\/h2>\n

Some middle agers are selling the bulk of their possessions \u2014 including their homes \u2014 and moving into tricked-out mobile homes and houseboats. These options also open the door to a life of leisure travel and can eliminate major expenses, such as property taxes and mortgage payments.<\/p>\n

If you think of retiring early as simply walking away from everyday life \u2014 and if that seems like a pipe dream \u2014 it\u2019s time to take a step back and look at how others have done it. You might enjoy your job immensely and have friends in the trenches with you. But if work is taking too much away from your family time, community bonds, overall health and peace of mind, you might do well to consider one of the smartest alternative investments of all: yourself.<\/p>\n

This article originally appeared on GOBankingRates.com: 15 Ways to Retire Earlier<\/a><\/p>\n

This article by Lou Carlozo first appeared on GoBankingRates.com and was distributed by the Personal Finance Syndication Network.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

15 Ways to Retire Earlier The word \u201cretirement\u201d and number \u201c65\u201d are as linked in the American psyche as \u201cbacon and eggs.\u201d Then again, that all depends on how fast you want your eggs, right? Retiring early \u2014 or leaving the work force for the golf course, if you like \u2014 might sound like an…<\/p>\n

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