Early Retirement
Here are a few of the things we did
(20 to be specific) that helped us achieve our goal
My wife was in a dead-end career as a travel
agent, earning less than $15,000 per year at
a job that was quickly turning obsolete. It was
1998 and we had been saving for 7 years –
nearly half of a 15-year retirement plan –
and yet we still only had a nest egg of
about $68,000. Robin realized she had
to invest in herself first before she could
do much to help with investing for our retirement. So for 1½ years
she went back to school to reinvent herself and become a nurse.
Think of it: here we were, in the midst of our primary investing
years, and instead of earning money...  
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Nobody’s saying it’s easy to retire early on an average salary, but
it's not impossible either. It took us 15 years to get rich slowly,
investing steadily month by month until we had amassed a nest egg
of nearly $1 million -- enough to safely generate about $40,000 per
year. Here's how much we invested per month.   
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Early retirement is not a pipedream: it is
achievable and primarily a question of
priorities and determination. What we
accomplished by investing in index
funds in a slow and steady fashion is
definitely repeatable by normal human
beings with normal everyday jobs and
lives. So let’s debunk four myths about
early retirement while finding the kernel of truth hidden at the heart
of each. Myth #1: You can't retire early unless you...  
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Free Investment Spreadsheet (Excel)
Downsizing for life on the road requires a new way
of thinking about packing...  
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If you plan to travel
overseas for several
months, consider
buying a used car.  
It gives you the
freedom to go where
you want when you
want. For example,
at New Zealand's
Auckland Car Fair...
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If you’re planning a simple
early retirement, you stand a
good chance of paying much
lower income taxes than
you've grown accustomed to
in your working years. While
your income tax may not
always be zero in retirement,
it could quite conceivably be
10% or less. This is good news if you’re thinking of retiring early on
less. Let’s look at our own situation as an example...  
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Never underestimate the value of a
good travel ring. By travel ring I
mean a substitute ring as a
placeholder for your engagement
ring or wedding band that you wear
only when you are traveling. We all
know how much sentimental as well
as monetary value can be attached
to the originals....  
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Travel-Related Articles
When the headlines are screaming
“Dow Plummets!” and “S&P 500 Hits
New Lows!” you should be smiling and
thinking to yourself, “Blowout Sale on
Stocks! Limited Time Only!” Until we
retired, we always welcomed bad news
in the stock market. Why? Because
bad news is actually good news for...
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We've heard it suggested that
investment timing was crucial to our
success in retiring early -- that we
started investing in the 1990's when
the stock market was roaring and
that the results we attained aren't
necessarily repeatable by others
under today’s market conditions.
Is this true? Did we benefit from exceptional market timing?
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Why peer through a peephole
when you can look out a picture
window? That's what we wonder
when we see investors peering
through a narrow window at just
one year’s fund or market results.
Whether the results are good or
bad hardly matters -- it's that the
view itself is distorted by the narrow dimensions. By looking through
a bigger window – at 10, 20, or even 100 years of results –  the
picture suddenly becomes clearer.  
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People have a natural curiosity about
just how much an author can make as a
result of publishing a book. And if that
book happens to be about retiring early
(as ours is), then the curiosity can be
even stronger because folks wonder
whether the book itself is what’s allowing
the author to escape the nine to five
routine. Well, we’re here to set the
record straight. Below we post our actual
book royalties to date...    
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Articles on Self-Publishing
If you've ever dreamed of seeing
your book published on Amazon,
that dream may be within easier
reach than you thought. Here's
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Here are 10 reasons
you should consider
bringing resealable
plastic bags on your
next trip.
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Just across the border from
Yuma, Arizona is a hidden
gem for the budget-minded:
Algodones, Mexico. This is
our new go-to place for
three things at reasonable
prices: dental, vision, and
prescription drugs. It's like
a huge medical tourism...
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One of the best things we did in life
was accomplish our dream of early
retirement. That said, looking back I'm
also very glad we stopped to smell the
roses along the way. It takes disci-
pline and hard work to save for early
retirement, but you don’t want to miss
out on the good life has to offer while
you strive to achieve it. Surprisingly,
some of my favorite memories...   
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What makes this book different from all the other
books out there on early retirement? We think it's
the amount of personal financial detail we provide.
We don’t hold back! You can use this information
as a kind of financial yardstick to measure what is
possible in your own life.
A tiny condo fits quite
well with our retirement
travel lifestyle -- and
living in a tiny home can
also dovetail perfectly
with your plans for early
retirement. Here’s why...
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The steps we followed are repeatable and relatively
easy to implement by normal human beings with
normal jobs and lives. That's our primary message:
that retiring early is not a pipedream, but something
achievable and very much worth achieving.
"I am a financial advisor and I enjoyed this book
very much. I am planning on adding the print
version of this to the lending library I keep for
clients -- this is saying something -- I read and
discard probably 6 or 7 financial books to every
one I keep to lend..."
"I have read dozens of retire early / personal
finance books and I can say with confidence this is
the best. I bought the Kindle version but then
decided to buy four more paperbacks to give as
graduation presents to my graduating son and
nieces and nephews. I feel this book encompasses
all the necessary topics to get a financial life on
track whether it be young or old. The Charltons
describe in personal detail the motivation, desire,
strategies, processes and goals of retiring early. I
believe the couch change spent on copies of this
book can change the young financial lives of my
loved ones. I highly recommend this book!!"
Best retirement / personal
finance book I have ever read!!
"This is a fantastic book. If you are interested in
retiring early and want to figure out how to, and I
mean not only theoretically, but in a completely
concrete and hands-on way, then this is exactly
the book you need. I cannot recommend this book
highly enough!...
The perfect book on early
retirement planning
The ten-year mark seems like a
natural time to step back and see how
you’re doing with any big decision in
life. So how are we doing ten years
after retiring early? The short answer
is, great! As of January 2017 our nest
egg stands at...   
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Completely updated for 2018