Q&A at Retire By 40

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. ๐Ÿ™‚


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 CDCโ€™s guide on how to deal with a Zombie Apocalypse.

affordable island to retire to

I would like to know this, too. ๐Ÿ˜€

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. ๐Ÿ™‚

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. After 16 years of investing and saving, he achieved financial independence and retired at 38.

Passive income is the key to early retirement. This year, Joe is investing in commercial real estate with CrowdStreet. They have many projects across the USA so check them out!

Joe also highly recommends Personal Capital for DIY investors. They have many useful tools that will help you reach financial independence.
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31 thoughts on “Q&A at Retire By 40”

  1. Pingback: Yakezie Plutus Juyo | Financially Consumed
  2. Pingback: Friday Roundup: Finance, Parenting and Mom Blogs | MomVesting
    • 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…

  3. “The $10 bills will weigh twice as much and itโ€™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?!!


  4. These are great, it’s amazing what kind of things people search for. My fav is about the island to retire on ๐Ÿ™‚ I’m looking for one myself, let me know if you find anything warm and sunny!

  5. 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.

  6. 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.

  7. 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?


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