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Old 07-19-2021, 04:51 AM   #61
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Originally Posted by RunningBum View Post
Maybe they wanted to, but after being pointed toward FireCalc they learned that they didn't have quite enough? There could also be a discussion of what you consider early and what they do.
"Early" is best defined by the person claiming to be ER.

In my personal view, any retirement prior to collecting SS would be considered early, so there is no point quibbling about somewhat early, very early, extremely early, etc.
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Old 07-19-2021, 05:10 AM   #62
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Originally Posted by DireWolf View Post
I retired at 50. I figured the vast majority of this forum was going to be people who retired early, since it’s right there in the name. I’m actually confused why there’s so many here who didn’t retire until more normal retirement age.
No confusion necessary. The name can be aspirational as well as descriptive. In fact, there are plenty of young people here who are currently working hard to retire "early" (however they define it). Those strivers may succeed, or they may not. There are also those already retired, some "early," some not so early. We welcome everyone.
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Old 07-19-2021, 05:39 AM   #63
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Guess I'm part of the 1%.
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Old 07-19-2021, 06:48 AM   #64
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3% here, retired at 53.
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Old 07-19-2021, 06:57 AM   #65
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I missed it by a few years. I am 46, have bene retired for 6 months. Yes, 6 whopping months.
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Old 07-19-2021, 08:21 AM   #66
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Retired the month I turned 54 and never looked back. Turned 70 in June and if I had any regrets whatsoever, it's that I didn't retire earlier.
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Old 07-19-2021, 08:40 AM   #67
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Retired at 51 in 2009. Now 63 and will never work again.
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Old 07-19-2021, 09:00 AM   #68
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I too thought the title was referring to safe withdrawal rate. I'm not 3% in either category.

-17%er for early retirement. Age 58 in 2020

-4.0% WR until start of SS and mortgage paid off in 2028. Then 1.5%
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Old 07-19-2021, 09:07 AM   #69
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I'm a 13%er based on that chart, and I might as well have worked a few more years. But I don't regret pulling the trigger when I did, are retirement planning odds of success are very good if history is any guide...
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Old 07-19-2021, 09:47 AM   #70
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I was out at 52 as soon as I knew my numbers were solid. Original plan was 55, which would have enabled me to retain unvested options and RSUs, plus a bigger pension. But the job had become quite unpleasant and I wanted more time to do things I enjoy.

DW followed 3 years later at 56, but we were FI when she was 53. She enjoyed her job, the routine, the people. She only retired at 56 because her boss of 26 years was also retiring. She misses the routine and the people but didn't want to go through a bunch of reorganization.
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Old 07-19-2021, 04:40 PM   #71
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Out at 49. Never looked back.
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Old 07-19-2021, 06:31 PM   #72
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Out at 56, happy as a lark as my BS bucket was full, DW,6 months later at 58.
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Old 07-19-2021, 07:13 PM   #73
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Retired at 53, zero regrets.
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Old 07-19-2021, 07:27 PM   #74
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The graph looks depressing. I want to retire at 58. It looks like that I will be in the 17% category, which makes me feel strange. I want to be with the flow.


I had the opposite reaction. At 59, I m still ahead of the wave starting at 61 so it still feels early.
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Old 07-19-2021, 07:38 PM   #75
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53 for me.
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Old 07-19-2021, 07:43 PM   #76
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Retired 22 days before my 55th birthday, so I guess I made it in.....
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Old 07-19-2021, 08:37 PM   #77
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Another 1%'er here. Checked out at age 45. Am now 57. I was aware that, due to my modest investment stash, I might possibly be committing myself to a lifetime of lower income. A healthy bull market over the last decade or so eased those concerns. SS will come in handy too. I think I'm going to be OK.
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Old 07-19-2021, 08:38 PM   #78
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52 for me. Best decision of my life.
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Old 07-19-2021, 09:56 PM   #79
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I retired at 58 and 7 months later started teaching a online college class. I did that for 8 years with a tiny bit of consulting. I still do the consulting at 67 but it’s a very small amount.
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Old 07-20-2021, 06:32 AM   #80
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Retired at 46 - accepted a consulting job at a start up when I was 47 and plan to re-retire next year at 52.
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