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If you are new to Retire By 40, here are some good articles to start with. You can also read more about me on the About Page.

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My Early Retirement Journey So Far… – See where I am in my journey to Financial Independence/Early Retirement.

Preparing for Early Retirement

Preparing for Early Retirement

The articles on this page are more about the philosophy of preparing for early retirement than saving and investing. See how I planned for my early retirement.

Retirement Investing

The articles on this page are about different retirement accounts and investments.

 Post Retirement Income

How will you pay the bills after leaving your full time job? Here are some ideas to make money after retirement.

post retirement income dividend stocks

Reader Case Study

Stories from our readers about their journey to retirement.

Frugal Lifestyle

Some stories from the Frugal side of the track. I’m a big advocate of living a frugal lifestyle. If you don’t know how to save money, then it’s hard to grow your wealth.



You can also go through all the articles on this site. It’s a bit of mess though. I’d start with the latest and then go backward. Many of the early articles weren’t that great.


— WIP below —


Free Financial Planning and Portfolio Checkup. When was the last time you had a thorough portfolio checkup? Personal Capital is a great site for investors. Check out my review.

Read About My Favorite Retirement Calculator: FIRECalc. I like this stock market simulator much more than the usual retirement calculator.

How to retire early and some motivational posts.

I did it. I quit my job!

The Retire By 40 Movement. Are you around 40 years old? If you are not happy with your life, you need to do something about it.

3 Easy Steps To Retire By 40. It’s best to start early if you want to leave your day job by the time you’re 40.

Why I gave up my engineering career and a six figures salary. The paychecks were great, but the job wasn’t a good fit for me anymore.

See how early retirement will impact your Social Security Benefit.

Go It Alone – Pondering quitting the day job and becoming self employed.

Should I rethink Retire By 40? – I guest posted at Get Rich Slowly and had many dissenting comments about my plan to retire early.

What’s Your Motivation? – Here I share my motivation for early retirement.

What’s Your Ultimate Goal? – What do you want for the future you? More money, more power, or just more time to enjoy life?

How to Retire By 40 – My roadmap to early retirement.

Why I want to be a Stay At Home Dad – Read why I’d rather change diaper than working in a cubicle.

Passive Income will lead to Financial Independence

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Stay in touch with Joe and see how he handles Retiring by 40 and being a stay at home dad.
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Passive income

How to start making Passive Income – Passive income is a must for any kind of retirement. Here are a few ways to get started.

Dividend Portfolio – The latest update about our dividend portfolio. I have shifted most of my after tax investment toward dividend stocks over the past few years to generate a little income.

4 plex first 3 months report – We acquired a 4 plex last year and the first 3 months wasn’t great. In 2012, we are getting positive cash flow and I’ll have to write an update soon.

P2P lending for extra retirement income – I’m dabbling in person to person lending to generate some extra income. It’s going well so far, but we’ll see if it works out in the long run.

Cash Flow

Our monthly Cash Flow report. See how we are doing in the cash flow department. When I quit my day job, we’ll be living paycheck to paycheck for a while. I have been keeping track of the cash flow for over a year and we have been mostly successful in making one paycheck work.

Retirement investing

Should you invest in 401(k) or Roth IRA?

Retire By 40 Net Worth VS S&P 50

A Million Dollars is NOT Enough

Saving and being Frugal

No one ever gets rich by being frugal

Save By Sharing One Car

Don’t Pay for Depreciation

Frugal & Healthy Tip – Learn To Cook

How Much We Spend On Coffee, Gas, Pets, Beer, And More

How to save on heating bill AND stay warm! Kotatsu table.

Stay at home dad

Interview With A Stay-At-Home Dad/Blogger

My 3 Months As A Stay-At-Home Dad Blogger

How to stay productive when working from home?

{ 8 comments… read them below or add one }

alfred September 4, 2012 at 9:42 pm

hi joe,

came across your blog on the web .. retiring at 40 is great .. but staying almost 30yrs irrelevant to the society is a threat also .. i hope to be able to retire early too .. am 36 now .. good luck .


retirebyforty September 5, 2012 at 2:57 pm

I guess it depends on how you define irrelevant. I reach a lot more people now than when I was working at a mega corp.


Guido August 7, 2013 at 10:01 pm

Um, I just stumbled across your blog today and enjoyed it, but didn’t see a “best place” to post a response other than the “Start Here” tab, which seems to be quiescent for awhile.

I really enjoy your post and the responses on the subject of retiring in Santa Barbara. I think maybe that might be attractive to me, too, but I have a different mix of motivations. Number 1, I’m almost 60 (but not ready to be dead yet!). To be honest, I find SB very pretty, great weather, but I worry about being bored w/o the things a big city has to offer. Of course, there’s also the factor of how housing prices there are much more volatile, according to the national economy.

Anyway, I look forward to hearing what you and your readers have to say on this and other subjects. Even us (relatively) old guys can benefit from listening to and participating in the conversation.


retirebyforty August 7, 2013 at 10:35 pm

Usually you can respond at the bottom of the page.
Perhaps you can rent for a few months to see if you’d like it. SB is nice, but it is a small city.
You could always drive to LA…
I’m not sure about the housing price volatility there. I thought it was quite expensive, but pretty stable.


mc golis September 19, 2013 at 3:15 pm

Great site, I will delve further, I am approaching 40 and have been a stay at home dad for the past five years–we saved a lot prior to the kid. We are financially stable, though we don’t any passive income outside some small investments and savings, but am so grateful that my wife enjoys her job. I sometimes feel guilty for enjoying my life, while my friends all talk about how busy and stressed they are–We live within in our means and I am interested in checking out your insights.


QDN October 10, 2013 at 8:14 pm

Good for you! I also quit my 6-figure job last year and retired at 50. I did not plan for it, but made a few good moves that allowed me to retire early. The housing burst presented me with opportunity to buy rental properties at deep discount, and the income from the rents is more than enough to cover my basic needs. The rest of my saving is currently invested in the stock market. I think I found a strategy that works, but time will tell.


Max August 18, 2014 at 1:35 pm

Where did the blogroll go?


Fereshteh August 20, 2014 at 12:25 am

Hi there
could somebody advice me, is it worthy to start study medicine at 45?
I’m now retired but I’d like to start a study path again, something worthy when I become 50 more.
please advice me with your experiences


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