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Victory Lap Retirement: Book Review & Giveaway


It might be surprising to new readers of Retire by 40 that I don’t believe in the traditional definition of retirement. Yes, the site is titled Retire by 40, but I really meant Semi-Retire by 40. The idea is to leave the stressful corporate job life and continue to work part-time on something I enjoy. I don’t want to spend every day lounging by the pool or golfing at the country club. That sounds nice, but I’d be bored out of my mind in about 3 days! Full retirement can wait until I’m 70. The problem is Semi-retire by 40 just doesn’t have the same impact as Retire by 40. There wasn’t a good word to describe what I was aiming for… until now. Mike Drak and Jonathan Chevreau’s new book Victory Lap Retirement describes exactly the lifestyle I wanted when I started blogging.

What is a Victory Lap?

The following paragraph from the book explains it perfectly:

A Victory Lap most commonly describes the slow, victorious circuit taken by an athlete of any track, playing field, or sheet of ice after winning a race or other sporting contest. It’s that extra, happy time of continuing to run, bike, or skate, but it’s done in a different way and at an entirely different pace. It’s an opportunity to bask in the glory and enjoy the fruits of months or years of training, practice, and sacrifice.

What if we apply the Victory Lap concept to our work life? In our work life, the finish line is financial independence and the Victory Lap is the freedom to work on whatever sparks your imagination. The beauty of the work life Victory Lap is that we’re not competing with anyone. There isn’t just one winner. Everyone can win if they are persistent enough.

Work is good for you

The authors pointed out that work is actually good for you and I agree 100%. The right kind of work will give you purpose and invigorate you. When was the last time you couldn’t wait to get out of bed to go to work? That’s what I did at 5 am this morning! It is very fulfilling to work on something you like. The problem is that most corporate jobs these days are dominated by the side effects. It’s like prescription drug. The benefits are the paychecks and some job satisfaction, but the side effects are endless meetings, unrealistic deadlines, horrible bosses, long hours, cramped cubicles, and a stressful environment. Once the negatives outweigh job satisfaction, the paychecks may not provide enough incentive to keep working. This is especially true when money isn’t a big concern anymore.

Okay, I admit that I usually don’t get up at 5 am to blog, but school started 2 hours late today and I needed to reshuffle my schedule. I spend the morning being a stay-at-home-dad and that’s an awesome job, too. I can do things on my own time and dictate my own agenda. How many people have that luxury?

Financial Independence

The good news is that you can have it, too. Financial independence can be a long journey, but I firmly believe anyone can achieve it if they set the goal and work towards it consistently. Unfortunately, we live in a consumerist culture where the goal is materialistic accumulation, not financial independence. A lot of people have no idea what financial independence is or what the possibilities are. If they do, they don’t think they can achieve it or they don’t know how.

This book educates readers on the meaning of financial independence and the various stages of the financial life cycle. However, it doesn’t focus on the exact steps on how to get there. I don’t think that is a big problem because once you make financial independence your goal, you will be able to find resources everywhere. It’s a whole hidden world!

I like their formula for financial independence.


Victory Lap Retirement

Victory Lap Retirement is about making financial independence a goal and how to move beyond it. This book is a great read for anyone, and it’s perfect for professionals who are in a solid financial position yet are dissatisfied with their work life. When they make financial independence their goal, they can achieve it very quickly because they already have a good financial foundation. Actually, this is still a great read even if you are happy with your job. Life changes and you won’t be satisfied with your job forever, so it’s better to be prepared.

It’s unfortunate that most professionals don’t know about financial independence and the options it can bring. Victory Lap Retirement is an alternative path that is very achievable. Full on retirement can wait until our bodies give out.

I highly recommend Victory Lap Retirement for anyone who is interested in early retirement and financial independence. You can order a kindle edition of Victory Lap Retirement from Amazon, purchase a hard copy from the Victory Lap Retirement website, or enter to win a copy below.

Books Giveaway

Great news! Mike and Jon have generously offered to send 3 copies of Victory Lap Retirement to Retire by 40’s readers. Enter below for a chance to win! Good luck!

*You can tweet once per day for more chances to win.

Opens to US and Canada addresses only, due to the high cost of shipping oversea.
a Rafflecopter giveaway


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Joe started Retire by 40 in 2010 to figure out how to retire early. He spent 16 years working in computer design and enjoyed the technical work immensely. However, he hated the corporate BS. He left his engineering career behind to become a stay-at-home dad/blogger at 38. At Retire by 40, Joe focuses on financial independence, early retirement, investing, saving, and passive income.

For 2018, Joe plans to diversify his passive income by investing in US heartland real estate through RealtyShares. He has 3 rental units in Portland and he believes the local market is getting overpriced.

Joe highly recommends Personal Capital for DIY investors. He logs on to Personal Capital almost daily to check his cash flow and net worth. They have many useful tools that will help every investor analyze their portfolio and plan for retirement.
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{ 68 comments… add one }
  • Martin - Get FIRE'd asap October 20, 2016, 12:08 am

    Nice analogy RB40. I’m in ‘victory lap’ phase since I pulled the plug on full time work in March this year. I have experienced exactly what you say about being unable to just quit work. I found out the hard way by just stopping work without much planning and after 6 months got pretty bored. So now I’m working on doing some part time work, writing my blog, running an online business and whatever else I choose to fill in my days. The key point is that I have choice and options which is what you get when reaching FI. I can’t speak highly enough of it.

    I’m entering your giveaway too. Sounds like a great book and if I can win a copy, it’ll be even better.

    • retirebyforty October 20, 2016, 6:13 am

      I think that experience is almost universal among early retirees. We are too young to stop being productive. It’s better to work part time for a few years.

  • Adam October 20, 2016, 12:17 am

    Thanks, RB40, This is a fantastic post and I fully agree, though my aim is to also retire at 40, it’s a partial retirement to find something I love. I can’t imagine being fully retired at 40, the boredom would drive me insane. It’s one of the reasons I don’t take many sick days! I really enjoy all your posts, though I remain silent.

    I’m entering your giveaway as this book sounds like a fantastic book.

  • OB @ Out of State Investor October 20, 2016, 12:24 am

    I completely agree with you Joe! I’m working towards financial independence, but not to retire early in the traditional sense as you described. There’s a lot of work that I actually enjoy, especially when it’s on my own terms and on projects that I choose. Though I admit that FIRE has a better ring to it than just FI. I like the victory lap analogy and thanks for the putting on the raffle. Fingers crossed!

    • retirebyforty October 21, 2016, 8:28 am

      Work is great when it’s on your own term. It’s fulfilling to accomplish something that you work for. The corporate job is just too draining and it’s just not satisfying.

  • Mr. Tako @ Mr. Tako Escapes October 20, 2016, 12:42 am

    That sounds like an interesting book Joe!

    I really try to avoid the word “retirement” anymore, because it doesn’t accurately describe what I do. Honestly, the best way to describe it is “financially independent”.

    Just because we quit a traditional 40 hour a week job doesn’t mean we won’t work or produce an income.

    • retirebyforty October 21, 2016, 8:29 am

      Right. Retirement doesn’t work when you’re 40. People look at you like you’re unemployed. 🙂

  • Tyrone October 20, 2016, 2:50 am

    Wow, I just read this and your life almost sounds like a carbon copy of mine…you didn’t happen to work at a large bank before you “semi retired” did you?

    I think you’re right, most people don’t think about ever trying to achieve financial independence or know what it means. But its so true, you really don’t have to be stuck doing a job you don’t like for forty or fifty years. That simple formula you post – PASSIVE INCOME > NON DISCRETIONARY EXPESES = FREEDOM should be stuck up on people’s fridges so the way out of the rat race is kept top of mind. Then they need to act on that simple plan. I’ve been able to do so many wonderful things since I semi-retired and that formula pretty well sums it all up.

    • Mike Drak October 20, 2016, 11:02 am

      If you directed the question to me yes I spent my entire primary career at a big bank up here in Canada. I think you would enjoy the story about why I left.

    • retirebyforty October 21, 2016, 8:29 am

      I was an engineer. Mike was in the finance sector before he retired early so he knows that financial institution don’t even mention FI.

  • Brandon Phillips October 20, 2016, 3:58 am

    This book seems to be describing how I feel about my current work life. I’ll add this book to my reading list.

  • [email protected] Smarter Decisions October 20, 2016, 4:00 am

    I love the concept of a victory lap! Martin above and I are in the same place – except I took on a temporary full-time job for right now rather than just doing my part-time gigs. I definitely had choice but going to work each day is getting REALLY old. I get presented with new options almost every day now though. It’s so interesting when people find you are “free” what becomes available to you! Thank goodness this is just temporary work (padding our accounts) while the youngest finishes high school.

    • retirebyforty October 21, 2016, 8:30 am

      That’s great! Opportunities always come up when you’re doing well. 🙂

  • The Green Swan October 20, 2016, 4:05 am

    Sounds like an interesting book and similar to how I envision retirement as well. Although I expect my Victory Lap to only be a year or two of a slower pace (still making money at some job) before I want to kick it completely and be in full retirement.

  • Mary D October 20, 2016, 4:30 am

    Love the concept of the victory lap. I need to learn more about it. Thanks for all you do to educate me with your fascinating blogs! I’ve learned so much.

  • Mike Williams October 20, 2016, 4:47 am

    I wonder if another trick might be to simply create enough conditions in your current 9-5 job that make it worth your while to stay there, given the access to a steady paycheck, health benefits, 401k, etc. For example, try to get positioned under a boss you like and is good; negotiate flexibility in terms of a weekly or monthly “work remote” day, or at least flexible hours to some degree. So if you can’t leave your job just yet, at least make the job a little more bearable until you reach FI…

    • freebird October 20, 2016, 8:42 am

      Over at http://www.early-retirement.org/ they call this “OMY” for “one more year”.

      One more year of what, you may ask? Well since you’re in the FI position and are ready to retire now, it’s not what your employer wants, it’s what YOU want. If your employer fills a critical need with something you’re good at and enjoy doing, but your job comes with some baggage that you’d like to ditch, OMY is when you give your employer the ultimatum to ‘make it happen or I’m done’.

      For many this change in the driver’s seat makes the difference between a job that’s marginally tolerable to one that’s fun. My big three demands involved location, schedule, and content. I’m now on my third OMY and so far I don’t see why it should be my last. The weirdest part is how my work performance has actually improved since I grabbed the controls, so it turned out to be a win-win. Frankly I think my employer would have said sayonara if they didn’t see this coming.

      In retrospect maybe there was an element of insecurity under the surface in all my previous interactions that was holding me back. Now it’s almost a second youth where unexpected changes, even bad news, feel more like opportunities than threats. Heck even during the last layoff round a few weeks ago I was thinking about how I’d spend the severance check, but no dice for me (BTW the guys who were picked were grinning ear to ear on their way out; we have several OMYs).

      Anyway I’d say those who call it “FU money” may be missing an opportunity to create an alliance that could make a sweet victory lap.

      • Mike Drak October 20, 2016, 11:11 am

        Freebird, at one point after having achieved FI I told the bank that I would be leaving within two years. They packaged me not soon after. I would gladly get packaged than hang around for a retirement watch any day! The day i reached FI was the day that I stopped ducking!

    • retirebyforty October 21, 2016, 8:52 am

      I think that works well too. One of our readers did that and his work condition improved greatly. See freebird’s comment. However, bloggers who pushed for FI just couldn’t stick around much longer. Life is too exciting after FI to stay.

  • Felipe October 20, 2016, 5:43 am

    Very good concept. Much more realistic and achievable for most of us. And healthier- financially, physically and psychologically than completely retiring too soon.
    While I haven’t changed careers, FI had let me have more control of what I work on. Hence, I’m more satisfied than when I felt afraid of losing a job.

  • Insourcelife October 20, 2016, 6:23 am

    I liked the description of the victory lap and how it applies to FI. It’s weird how hard it it sometimes to explain this simple concept to people who think early retirement would be boring and take you out of the productive class in a society. I’ll add this book to my list.

  • Kim October 20, 2016, 7:30 am

    I love the idea of a victory lap. I think it’s completely appropriate. This looks like it would be a great read, too!

  • Mrs. Picky Pincher October 20, 2016, 7:32 am

    Work is absolutely important. I think the issue is that many of us non-retirees have to take the best-paying jobs we can find in order to make a living–it’s solely based on money, and not happiness.

    While that’s not a good model at all for enjoying your job, that’s what most people follow. The best thing is to get out of debt and build your net worth so you can retire early. 🙂 I’m on track to retire by 35, and that’s what’s keeping me going at my 9-to-5!

    • retirebyforty October 21, 2016, 8:53 am

      Wow, 35 is really good. You’re right about career choice. When you’re young and poor, money means a lot. Once you’re more comfortable financially, it’s better to find work that fits your personality. Money isn’t as important then.

  • Fiscally Free October 20, 2016, 7:37 am

    This victory lap concept is exactly what I have in mind for my “retirement.” As you mentioned, if I tried to avoid anything resembling work after I quit my real job, I would get bored out of my mind.

  • Mr. All Things Money October 20, 2016, 8:32 am

    I have struggled with the word “retirement” as well. There are so many fun and interesting things to do and learn on my own but none of them can be construed as working for money.

    I guess, I am mostly just working for fun and personal fulfillment which were missing from my corporate job.

  • Jen October 20, 2016, 8:54 am

    I love the idea of a victory lap. Can’t wait to read.

  • Kristin October 20, 2016, 9:16 am

    Love this concept! We are on track to reach FI, but I am interested in exploring if we can get to a certain $$ and then fill in the gap with this type of hybrid approach. That would mean I can quit the job sooner!

  • Echozoom October 20, 2016, 9:31 am

    Sounds like an interesting book!

  • David Michael October 20, 2016, 9:32 am

    The Victory Lap retirement theme sounds great. I frst retired at age 45 and ended up forming a company that funded my travel dreams and ideas for the next 20 years. Then, after a break of ten years and returning back to college for a MA in ESL (English as a Second Language), I taught overseas for five years before moving back to the USA and traveling for seven more years in our RV. Started working seasonally at age 75 for ten weeks a year going from Christmas work at Amazon Fulfillment Centers to summer camp hosting in the Oregon State parks.

    I retire once again in December at age 80 to travel with our newly converted camper van around the USA, Mexico and Canada while keeping a cozy apartment for shorter trips. Then, back to seasonal work at age 85. I find there are tons of jobs out there for seniors on a seasonal basis, from Costco and Home Depot to Amazon and Camp Hosting in National and State Parks. New challenges and adventures lead to longer and healthier lives in my opinion.

    • Mike Drak October 21, 2016, 6:46 am

      You sir are a VLR role model. I admire what you have been able to do with your FI. Going forward I plan on writing a blog about people like you which i plan on calling “Retirement Busters.” Stores about people who have created interesting lifestyles for themselves post FI. I find it fascinating what some people are doing out there. Great job David you are an inspiration for all!

    • retirebyforty October 21, 2016, 8:56 am

      That’s the way to do it! Next time we’re in Eugene, I’ll make sure to meet you and get some tips on how to fulfill our travel dreams. 🙂

  • Merlion October 20, 2016, 9:35 am

    I used to love my work but suffered from the side effects of endless meetings and horrible management. Working as an independent consultant enables me to enjoy the projects but I am somewhat insulated from the side effects of corporate America.
    The book looks like a great read and I hope to win a copy in the giveaway.

  • David Michael October 20, 2016, 9:36 am

    One more comment…The Kindle Price for the book Victory Lap Retirement is $14.99. A bit pricey in my view and way above our retirement budget. It would sell a ton more copies if priced at $4.99 (IMHO).

  • S October 20, 2016, 10:46 am

    I agree! You need to love what you do, then it’s not work!

  • Melissa Yuan-Innes October 20, 2016, 11:18 am

    It’s funny how we need labels to describe what we want, but after seeing how people squabble about the word “retire,” I also like the idea of a victory lap.

    • Mike Drak October 21, 2016, 6:41 am

      I hate labels too, but it seemed that the word retirement was being used to describe everything but the kitchen sink so we needed to come up with something to describe the period after reaching FI. It took awhile but I think VLR fits the bill. reaching the FI finish line is a huge victory after a hard long struggle and people need to give themselves a big pat on the back and have one heck of a party!

  • Alberto October 20, 2016, 2:47 pm

    Excellent write up. After working for a long time and serve in military, my victory lap is long overdue so I been dancing down the isles at Costco taking free samples with a big smile….LOL!

    Must financial planners recommend to keep working part time because it keeps our minds occupied and working. There are physical, psychological, and Spiritual dimensiones to FI.

    Working on something that provides you satisfaction is right. Challenge is not only corporate environment is toxic but enterprises are time consuming so blogging it’s a good thing.

    I am a strong proponent of living experiences because time is something we can’t buy back. So when we make decisions about working there is other factors to consider such as time and health. If you are 55 or younger, definitely. Idle time is evil time. For folks over 55 or 60, time has a different value as it contains our ability to still do things. Waiting to 70 sounds good but we just got back from Machu Pichu in Peru and Tahiti and we can tell you that there are two different groups. The newly weds and the nearly dead. We belong with the second but played and hanged out with the first.

    One of my claims to fame during my working years was that I had found six people dead at their desk at the office. This was one of my FI motivations. Yes, it is possible to work yourself to dead. I seen it.

    Two sadest lessons I have observed from people on or near retirement. They lose their identity as people if the leave the workforce so they stay working until 70. The second is their spouses don’t welcome or want them home. Imagine going to war for 40 or 50 year and been told you are not wanted or welcome here. Nothing short of tragic.

    Time is of essence and can’t be bought. We can always make more money or find a job that satisfy us but the time vest is sunk and never comes back.

    FI happiness has to do with the three dimensions previously mentioned and work is one of the factors. ?

    • Mike Drak October 21, 2016, 6:56 am

      Alberto to me it almost sounds like you helped us write the book. We are totally on the same page. When I left my corporate job after 36 years I suffered from sudden retirement syndrome (not a real medical condition but I use it to describe what I went through). It’s weird but it felt like a loss, the death of my corporate identity and I struggled to find myself again and get back to who I once was. A lot of people including my wife could not relate to what i was going through. They assume that because you don’t have to go to work anymore and that you are financially secure that everything is just wonderful but believe me on this it isn’t! you still need to figure things out and how you want to live your life going forward. It took time to transition but now I’ve found my sweet spot in VLR.

  • PatientWealthBuilder October 20, 2016, 8:49 pm

    Stop working and die – obtain financial freedom and enjoy your life (while working at something meaningful!)

    Interesting concept and agree!

  • Michael @ Financially Alert October 20, 2016, 9:30 pm

    I love the title of the book! As a fellow early retiree, I’m in 100% agreement in not accepting a traditional definition of retirement. Early retirement to me means exploring meaningful work at my own pace, leisure, and trying to impact others in new ways. A “victory lap” is the perfect analogy! I’ll have to check this out for sure. 🙂

  • Joe October 21, 2016, 6:19 am

    I plan to take my victory lap in two years at the age of 56.

  • Jon @ Be Net Worthy October 21, 2016, 6:29 am

    Sounds like my philosophy as well. I’m all about the FI right now. The RE can wait until later. Between the two, a few victory laps sounds like a great idea!

  • Michael October 21, 2016, 7:44 am

    Great post and good luck with the giveaway!
    Hoping to work long enough at my full time job so I don’t have to complete a victory lap!
    I hit FI about a year ago but I like my job enough to continue on for another 5-10 years.
    Haven’t really given any thought to working after “not working” there’s plenty to keep me busy- house projects/kids/ vacation planning / exercise.

  • Britboy007 October 21, 2016, 8:50 am

    It really seems like most people don’t want to retire early as much as they want to trade their current position for another one. FI does give you the option to be flexible with your plans and that to me is the biggest benefit. Corporations these days are mostly interested in keeping the shareholders happy instead of their employees. There is more pressure therefore on employees to work longer hours and “do whatever it takes” to make sure goals are met. US workers in general spend more hours working than most workers in other countries. This is what leads to heart attacks at 50.

  • Big-D October 21, 2016, 10:55 am

    Always on the lookout for a good read.

  • JL October 21, 2016, 11:25 am

    Since I just “retired” this month, I have been trying to define what I am doing to those who think I am now just doing nothing. The term Victory Lap is perfect. I will still be working part-time, and doing other things that I want to do, not what someone else wants me to do.

    • Mike Drak October 22, 2016, 4:37 am

      JL, did you experience any retirement stress when you packed it in? Not everyone does but I did. just wondering?

  • Jo October 21, 2016, 11:38 am

    In my eyes FI isn’t a target but a meaningful tool to give me the opportunity to do the things that I want to do rather than the things I have to do. If it also makes money that’s fine but it is not a must. If it costs money it’s OK too.

  • Wade October 21, 2016, 12:20 pm

    VLR looks like a great idea and concept. Restating, clarifying and making not new ideas new again can reach a lot of people.

    I am curious if the massive healthcare costs for families (in the US) is covered as it appears the author is from Canada.

    We are close to “victory lap” time but the staggering cost of healthcare for a family of 5 keep me working and maxing out all investment options (401k, Roth, HSA). Each year pays for healthcare and puts $50k into retirement. I just don’t know how to hop off the “one more year” train.

    I am looking forward to reading the book. I agree the cost is on the high side. I get it. Lots of hard work. The book actually fulfills the dreams of the authors and has the potential to jump start the reader too.

    • Mike Drak October 22, 2016, 4:28 am

      Wade, in general we don’t have to worry about healthcare costs as much as people in the US but then again we suffer from long wait times etc. Our system here in Canada has it’s flaws but at least it doesn’t keep me up at night worrying about it. My mother is currently in a nursing home, private room and the cost is about $2,500/monthly. Having said that you can see the nursing home struggling to manage costs, less care workers etc and this problem will only get worse as more and more people end up there. A problem in the making and everyone here needs to be prepared for it.
      You are right about the book. Writing it allowed me to purge my soul especially the chapter “Welcome to the Corporate Jungle.” I bet Joe could really relate to that one. It was very therapeutic for both my co author and I and it was while writing it that I discovered my “why.” Once you know what you need to do and then actually do it, life becomes very exciting and fulfilling. That is the way a person really needs to live. Why would you ever retire from doing something that you love doing? That doesn’t make a lot of sense to me.
      Find out what you love doing and just do it.

  • Max October 21, 2016, 12:52 pm

    I’m not so sure about this victory lap. I’ve heard about it in theory. I think it really depends on each indvidual’s situation. It could possibly lead to the One More Year Syndrome. If you’re really ready to go then you should probably just leave. But if work is pleasant then I like the idea of sticking around, building up some additional cash reserves before you depart. Most people keep a minimal emergency fund. I think by the time you’re really ready to pull the plug you should probably have about a years’ worth of living expenses in cash to be safe. I’m planning on doing that at least. Just makes things a little easier and a little less stressful.

    Guess if I don’t win copy I’ll look for this at the library.

    • Mike Drak October 22, 2016, 4:32 am

      Victory Lap isn’t for everyone. It takes work to figure out what lifestyle will work for you and then actually go out and do it. It’s important to understand that VLR is not about chasing after more money. It’s about creating a fulfilling low stress lifestyle that will improve the quality of your remaining years.

  • Stan The Man October 22, 2016, 9:02 am

    Love this blog. Wish I had it as a part of my life when I was the other side of 40 years old! This book’s concept sounds great. I will definitely read it!

    • Mike Drak October 24, 2016, 6:55 am

      Stan The Man, I share your view. If only Joe’s blog was around when I first started out. I would have had a clear goal to aim for FI and probably would have gotten there a lot sooner than I did. To be able to connect with others that share the same views/goals and can offer support/encouragement is a special thing and that is what this blog does for people. I love the fact that Joe is willing to share his numbers and experiences with us. It’s the real deal!

  • Jennifer October 22, 2016, 2:01 pm

    What a great concept – a victory lap! That’s what I’m striving for over the next several years to achieve FI. Can’t wait to read the book!

  • Steve October 22, 2016, 6:44 pm

    Love the concept of a victory lap! I am punching out of the corporate world in ~4 weeks, at age 48. It has been a really good run, but I am ready for the victory lap…a little time off to decompress, and then moving on to my next phase knowing that I no longer require the big paycheck. Passive income is now > non-discretionary expenses, so bring on freedom?.

  • Abandoned Cubicle October 22, 2016, 8:22 pm

    Very insightful, Joe. This approach certainly fits my future vision. Like you, I couldn’t imagine twiddling my thumbs without some kind of meaningful challenge – something to help me grow, but not in a cubicle bound by traditional 45 hour non-sense.

  • Jean-Christophe Simard October 22, 2016, 9:29 pm

    Financial independance is an achievable goal if part of a global strategy. I’m willing to sacrifice, in order to live on the interests and not the capital of my investments.

  • Mrs. BITA October 23, 2016, 9:17 am

    What a lovely analogy. I especially like it because I have always, my whole life, sucked at sports (the last person chosen for every team, zero hand-eye co-ordination). I’ve never got to do a victory lap so far. How nice to think that I will get to do a victory lap with my life instead. I’m aiming to retire at 42 (that is what the ‘B’ in BITA is for, bayalis, 42 in Hindi), so in a few short years, victory lap, here I come.

  • Jennifer October 24, 2016, 8:01 am

    For those of us with longevity in their genes, this is definitely a concept I have to investigate further! It certainly makes a lot of sense. The real question is whether there’s enough room for us to stay in the workforce (even part time) until our mid-70’s, versus all the post-secondary graduates trying to work full time.

  • Norman October 24, 2016, 10:37 am

    I think this is everyones dream. I think the problem is when do you know you have reached findepence.

  • Brad Balogh October 26, 2016, 7:27 am

    thanks for the post! I have been looking for new inspiration and grabbing a book that will help me map out my phases toward financial freedom! 🙂

  • Beth A Yos October 31, 2016, 1:58 am

    Work and play? Life is a balancing act, you can do both. And maybe retire quicker.

  • Rodney Stewart October 31, 2016, 6:38 am

    Knowledge is power which there is no replacement. Any assistance in planning my early retirement will benefit me and my family greatly going forward. Thank you for this opportunity.

  • Bernice October 31, 2016, 7:48 am

    My retirement starts in one week after working in healthcare for 35 years. I hope to keep from getting bored by doing volunteer work with a cause that I’m passionate about.

    • retirebyforty October 31, 2016, 11:24 am

      Congratulations and enjoy your retirement!

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