I don’t know who Kobe Bryant is, but if he was 41 and retired, then I can call myself retired too.

Saying you’re retired at an early age invites annoying questions from people determined to prove that you’re not really retired because it doesn’t fit into their worldview of how things should work.

They will insist that you calculated wrongly, that a person cannot possibly survive on less than $1,200 a month, that you’re still young and you should keep on working because you don’t know what will happen in future.

That’s precisely why I don’t want to spend the best years of my life working so that I can stop work and enjoy life at some future point. After all, who knows how long I have left? I could die in a crash tomorrow.

I couldn’t sleep last night. I think it’s a carry over from bad sleep timings the past two nights, and the anxiety I had from yesterday. As I lay awake, these thoughts flooded my mind. Have I done my calculations correctly? Will I run out of money at 60 or 70?

The more I thought about it, the more awake I became. So I dug out my old Freedom Game Plan, a retirement calculator I made back when I was working as a financial planner, and I plugged in the figures.

I worked out that, yes, I really do have enough for retirement, if I invest my retirement pool at 5% p.a. Easy peasy.

But if I want to continue spending $300/mth on travel, then I will need to earn it, starting from 5 years time. Sounds fair enough.

Now I can confidently say that I’m retired… provided my divorce doesn’t screw everything up. Oh yeah… now I remember why I didn’t plan yet.


At least I was able to go back to sleep.

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s