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Q&A at Retire By 40


retire by at 40 retirebyforty It’s Tuesday night and I am already exhausted. You probably know the reason if you’ve been following our blog. Baby RB40 turned six months old recently and he is supposed to sleep through the night, but it seems he didn’t get that memo. Anyway, I’m going to take an easy day and go through some of the search terms that have led people to Retire By 40. πŸ™‚


quit my job and retire on 2.5 million

Yes, go for it! Assuming your expenses are less than $5,000/month, you should be able to retire and feel very secure. You can split your investment between dividend stocks, CD, and bond. This should be safe enough for you to withdraw 4% every year. At least that’s what I would do.

incentive stock options worthless

This sounds familiar, I’m sure many techies are in this boat. Most of my incentive stock options are worthless too. I would keep the ISO until I quit the job or right before they expire. The risk is very small and the potential gain is much better than stock shares. I would sell my stock participation plan shares before I dip into the ISO.

ass machine

The internet has proven yet again that anything with “ass” in it will get a lot of searches. Google webmaster shows that this term makes the most impression (shows up on searches), but has very low click through rate. Here is the post featuring baby RB40 – 6 lbs 4 oz Ass Kicking Machine.

If I own AT&T 100 shares, how much I get dividend

I know this one. I just got $43 a few days ago. So annually, you’ll get 4 x $43 = $172. AT&T has great dividend yield right now at around 6%. I picked up 200 more shares during the down days and will probably buy more if the market goes south again.

retire at 40 – is it achievable

We rank very high with these search words “retire 40.” These key words bring in the most visitors who read a few pages and have a good bounce rate of about 45%. Yes, I believe it’s achievable, but you’ll have to save a large percentage of your income. I would say you need to save at least 50% of your income to retire at 40.

Good to refinance if 7 years left

There are quite a few variations of this search term. The interest rate is so low, it is tempting to refinance to the lower rate. That’s what we did with our rental home. Refinancing the rental home was a great way to improve cash flow. Be sure to look at the 10 years rate as well, they are very low.

$10 vs $20 bills storing money in cash

I vote for $20 bills. The $10 bills will weigh twice as much and it’ll slow you down when the zombies come. Everyone should get acquainted with the CDC’s guide on how to deal with a Zombie Apocalypse.

affordable island to retire to

I would like to know this, too. πŸ˜€

at 30 years old should I stop investing in my 401k in recession?

NO NO NO NO NO! Don’t stop investing during the downturn. You are very young and have a lot of time left to recover. Take advantage of the downturn to pick up some extra shares.

Being a stay at home dad while wife works

Sounds good to me. πŸ™‚

How to find fun friends at 40?

Wow, a toughie. I have no idea. Any suggestions readers?

great financial advice broke at 40

…….. make a budget and figure out how to spend less than you make. Once you can do that, it will be much easier to start saving money.




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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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{ 31 comments… add one }
  • cashflowmantra August 17, 2011, 3:46 am

    I am thinking that an ounce or two of gold would take up a lot less space when running from zombies. Just saying…

    • retirebyforty August 17, 2011, 3:13 pm

      $20 probably would be worth as much as a piece of toilet paper too at that point. πŸ™‚

  • 101 Centavos August 17, 2011, 4:04 am

    Great idea for a blog post, RB40. You just gotta wonder and shake your head at what people will search for on the internet.

  • Niki August 17, 2011, 4:22 am

    I love ass machine!

    Let everyone know about the island if you figure it out or at least me!

  • Evan August 17, 2011, 8:22 am

    Ass Machine

    I really think this begs the question what were they looking for? Hmm

  • Jeff @ Sustainable life blog August 17, 2011, 9:57 am

    Those are some pretty relevant keywords there Joe (except ass machine).

  • Denise @ The Single Saver August 17, 2011, 10:18 am

    This post made my day. I love your commentary. I didn’t realize ass was such a Google magnet… might have to work this one into some future posts at The Single Saver (oh gosh, is it a good idea to combine Single and Ass….?).

    • retirebyforty August 17, 2011, 3:14 pm

      Yeah, you should go for it. You’ll really increase the number of your freaky readers. πŸ™‚

  • The Passive Income Earner August 17, 2011, 12:53 pm

    Great post idea. I am actually surprised to see how your search terms are formulated … I only seem to see the keywords that are picked up. I’ll have to dig a little as I find it interesting.

  • Lindy Mint August 17, 2011, 1:52 pm

    I can’t get enough of these search term posts. I wonder if the person searching for an ass machine went out and bought a baby after seeing your website. πŸ™‚

  • krantcents August 17, 2011, 2:00 pm

    Finding other people who retire by 40 will be difficult unless you live in Silicon Valley and they keep working! BTW, how does your wife feel about continuing working? Doesn’t want to join the “good” life?

    • retirebyforty August 17, 2011, 3:15 pm

      She said she can’t be a full time stay at home mom so the only other option is to work. hahaha. πŸ™‚ She is looking into foreign service and will take the test in November.

  • Hunter @ Financially Consumed August 17, 2011, 2:42 pm

    I had no idea about the ‘ass’ Google freaky statistic. Amazing things you learn at RB4T.

  • Miss T August 17, 2011, 4:42 pm

    Very cool idea for a post. It always amazes me what people search for. I liked the one about 10 vs 20$ bills as well as ass machine. Very funny.

  • Suba August 17, 2011, 6:32 pm

    Nice idea for a post. I don’t have a lot of interesting incoming terms. The most interesting (well, it is boring) one is – “how to get rid of groupon ads, they are everywhere” and it brings them to my selling groupon vouchers… yeah all they need is more groupon information. Most disturbing one is “throw a child”. This brings them to my cost of raising a child post. And I am really really hoping they meant something else and not that literal term.

  • Crystal @ Public Liability Insurance August 17, 2011, 8:28 pm

    Wow, woot for great SEO! One of my highest ranked search terms for Budgeting in the Fun Stuff is “corn souffle”, which is definitely not as cool as “affordable island”, lol.

  • SB @ One Cent At A Time August 17, 2011, 8:58 pm

    ass machine is my favorite too, but what people were trying to look for with those two terms??? πŸ˜‰

  • Financial Success for Young Adults August 18, 2011, 8:51 am

    When you find that affordable island, let me know. I’d like to know too! πŸ™‚

  • Jesse @ BP August 18, 2011, 10:05 am

    These are great, it’s amazing what kind of things people search for. My fav is about the island to retire on πŸ™‚ I’m looking for one myself, let me know if you find anything warm and sunny!

  • MoneyCone August 18, 2011, 10:25 am

    “The $10 bills will weigh twice as much and it’ll slow you down when the zombies come.”

    Hahaha! Loved that line!

    You will let us know if a Zombie apocalypse is imminent, won’t you?!!


  • Christa August 18, 2011, 11:11 am

    I vote $100 bills — you can really pick up your pace and kick some zombie ass!

  • Freddie @ Invest With Passion August 18, 2011, 12:17 pm

    Finding friends at 40 is just like any other age. Get out of the house, talk to and be interest in people, and don’t be jerk.

    That is a good starting ground. You should be able to pick your friends form a narrowing pool.

    • retirebyforty August 18, 2011, 1:12 pm

      People @ 40 are so busy with their lives. I had so much more free time in my early 20s so I could goof off and make a lot of friends. These days, I can barely keep my head above water with all the things I have going… oh well…

  • Buck Inspire August 18, 2011, 12:43 pm

    Fun post! Might need to go through my weird keywords, too. Ass is a Google magnet, who knew?
    Will readers freak if I change my blog name to Ass Inspire? πŸ™‚

    • retirebyforty August 18, 2011, 1:11 pm

      Hahaha, I think you’ll get a bunch more perverted readers AND make a lot more money with adsense. πŸ˜€

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