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early retirement

Updated Joe’s 7 Phases of Retirement

{ 26 comments } Updated Joe’s 7 Phases of Retirement thumbnail

I wrote The 7 Phases of Retirement about 2 years ago and it was a great exercise. The idea is that we shouldn’t think of retirement like jumping off a cliff. Retirement would be much easier when we take it in phases, a step at a time. This way we can gradually work toward full [...]

{ 24 comments } Build A Roth IRA Conversion Ladder to Minimize Taxes in Early Retirement thumbnail

Nick, one of our readers, is starting a new job and he is planning to roll over his 401k to an IRA at Vanguard. He is thinking about putting everything in Vanguard’s target date fund because they require virtually no maintenance. He can just concentrate on saving as much as possible without having to worry [...]

{ 24 comments } 3 Ways to Avoid Downgrading Your Lifestyle After Retirement thumbnail

Last week, I got an interesting comment on my July cash flow update. “I like how you don’t seem to compromise quality of life for over-frugality!” This comment is interesting because quality of life is so subjective. We spend about $4,500 per month and that’s a very comfortable level for us. However, this level of [...]

5 Fantastic Benefits of Early Retirement

{ 51 comments } 5 Fantastic Benefits of Early Retirement thumbnail

I haven’t been keeping up with Intel lately so I didn’t realize they were going through a round of layoffs (roughly 2%) until Mrs. RB40 forwarded me an article in the Oregonian - Intel layoffs. Revenue is below projection this year due to the shrinking PC market so the layoffs weren’t unexpected. Every time Intel [...]