Tips Para Un Retiro Pronto
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Publicado: 9 de octubre de 2011
5 Tips From Early Retirees
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Susan Johnston, On Tuesday September 27, 2011, 10:36 am EDT
At 31, Robert Charlton had grown disillusioned with hisjob as a technical writer. "The idea of doing a desk job for another 30 years seemed painful to me, so I came up with this idea of trying to retire before 45," he says. He shared the idea with hiswife Robin, who was then 31 and working as a travel agent.
Robert read up on personal finance instead of hiring an adviser and looked at taxable accounts they could draw from before turning 60. Duringthat period, Robin completed an accelerated nursing program to become a registered nurse. By age 43, they'd gone from $16.88 in their checkbook at age 28 to saving up enough money to leave both theirjobs and live off the interest.
[See 10 Places to Retire on Social Security Alone.]
Now, years later, they travel the world, skydiving in New Zealand, hiking through India, sailing through theChilean fjords, and documenting their adventures on their website, wherewebe.com. Although many people struggle to retire in their 50s or 60s, Robert believes it's possible for others to retire early as heand his wife did. "Really, we're very average people," he says, admitting that it's harder, though not impossible, for those with kids. "We never had power jobs. We just both took intelligent steps."Here are some of those steps.
1. Cut housings costs. The Charltons spent a year carefully tracking their spending to see where they could cut back. But as Robert says, "the truth of the matter is, wereally didn't have that much fat to cut out." Still, they agreed to rent out half of the bi-level starter home they owned in Boulder, Colo., so they could pay off the mortgage and pad their savings.Switching from a 30-year to a 15-year mortgage also helped the couple reach their goal. "You save so much on interest that it does result in a higher monthly payment, but not as high you would...
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•
• tweet1
Susan Johnston, On Tuesday September 27, 2011, 10:36 am EDT
At 31, Robert Charlton had grown disillusioned with hisjob as a technical writer. "The idea of doing a desk job for another 30 years seemed painful to me, so I came up with this idea of trying to retire before 45," he says. He shared the idea with hiswife Robin, who was then 31 and working as a travel agent.
Robert read up on personal finance instead of hiring an adviser and looked at taxable accounts they could draw from before turning 60. Duringthat period, Robin completed an accelerated nursing program to become a registered nurse. By age 43, they'd gone from $16.88 in their checkbook at age 28 to saving up enough money to leave both theirjobs and live off the interest.
[See 10 Places to Retire on Social Security Alone.]
Now, years later, they travel the world, skydiving in New Zealand, hiking through India, sailing through theChilean fjords, and documenting their adventures on their website, wherewebe.com. Although many people struggle to retire in their 50s or 60s, Robert believes it's possible for others to retire early as heand his wife did. "Really, we're very average people," he says, admitting that it's harder, though not impossible, for those with kids. "We never had power jobs. We just both took intelligent steps."Here are some of those steps.
1. Cut housings costs. The Charltons spent a year carefully tracking their spending to see where they could cut back. But as Robert says, "the truth of the matter is, wereally didn't have that much fat to cut out." Still, they agreed to rent out half of the bi-level starter home they owned in Boulder, Colo., so they could pay off the mortgage and pad their savings.Switching from a 30-year to a 15-year mortgage also helped the couple reach their goal. "You save so much on interest that it does result in a higher monthly payment, but not as high you would...
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