You Can Retire Early! PDF Free Download

As an educator, I often get this question from students. Yes, I know they have attention spans that are minute to minute (or text to text) but when the subject of retirement comes up, they usually fixate on “How can I get there as soon as possible?”

  1. You Can Retire Early Pdf Free Download Windows 10
  2. Retire Early Calculator
  3. You Can Retire Early Pdf Free Download 64 Bit

Adobe Acrobat Reader DC software is the free global standard for reliably viewing, printing, and commenting on PDF documents. And now, it's connected to the Adobe Document Cloud − making it easier than ever to work across computers and mobile devices.

  1. No matter your age or where you are in your career, the time to think about your retirement is now. When to Retire: A Quick and Easy Planning Guide. If you have a $500,000 portfolio and are nearing or already in retirement, download this must-read guide. In it, Fisher Investments addresses key questions many face when planning for retirement.
  2. You will automatically be enrolled in the retirement plan. If you have 5 or more years in the retirement plan, you may delay starting your monthly benefit and take a deferred monthly benefit which can start as early as age 52. See the section entitled Retirement Plan Benefits. If you die while still employed.

What I love about this post from Mr. Money Moustache (last seen on this blog in 2014), is the simplicity of his answer and how it all comes down to ONE factor:

Well, I have a surprise for you. It turns out that when it boils right down to it, your time to reach retirement depends on only one factor:

Your savings rate, as a percentage of your take-home pay

If you want to break it down just a bit further, your savings rate is determined entirely by these two things:

How much you take home each year

How much you can live on

While the numbers themselves are quite intuitive and easy to figure out, the relationship between these two numbers is a bit surprising. If you are spending 100% (or more) of your income, you will never be prepared to retire, unless someone else is doing the saving for you (wealthy parents, social security, pension fund, etc.). So your work career will be Infinite. If you are spending 0% of your income (you live for free somehow), and can maintain this after retirement, you can retire right now. So your working career can be Zero.

He created this handy bar chart that shows how years to retirement (Y-axis) varies based on savings rate (X-axis):

Here’s a calculator that your students can use that may be more engaging than having them read off the chart. Have them run through a few scenarios by changing the assumptions (annual income, annual savings, annual expenses, portfolio value) on the spreadsheet:

The opportunity to create scenarios is endless. Here are a few that I came up with:

Johnny BigSpender earns a salary of $85,000 and is happy to be able to save 5% of his salary (need to convert into $s) every year. Using the assumptions of a

  1. Current portfolio value of $0
  2. Annual return on investment
  3. 4% Withdrawal rate

How many years before he is able to retire?


Muriel earns a salary of $85,000 and is able to save 40% of her salary every year. What would her time to retirement be using the same sets of assumptions (1-3)?


Sid earns a salary of $50,000 a year and saves 40% of his salary every year. BEFORE using the calculator, would you guess his time to retirement is more or less than Muriel’s? Why? Now use the calculator to see how well you were able to predict?


You want to retire by the age of 40 and anticipate that you will be earning $45,000 after you graduate from college. How much will you need to save in order to achieve that goal? Hint: Change the Current Annual Savings number and see how it impacts the Time to Retirement. Use the same assumptions from above (1-3).

You Can Retire Early Pdf Free Download Windows 10

  • Does this seem reasonable?

Retire Early Calculator

You Can Retire Early! PDF Free Download


You Can Retire Early Pdf Free Download 64 Bit

What’s your key takeaway from working these various scenarios? How might this impact the way you think about saving for retirement?