Money Moves That Can Help You Retire Early

Lora Young

The term retirement seldom enters the mind of young men and women who are aged 25 years and below. In fact, it is not even meaningful to them. This term only becomes meaningful to a person when one reaches the age of late 30s and begin to feel the ennui and boredom of life. But let’s face it squarely — all who labor everyday will definitely retire someday, and being happy in retirement should be one of their important goals of life.

Visualize Your Retirement

The transition from active life to retirement life can be made smooth if you follow the simple advice of Stephen Covey in his classic bestselling book, The Seven Habits of Highly Effective People. He said: “Everything is created twice: first, in the mind; then, in reality.”  By applying this axiom in your life, you will surely find retirement a meaningful and happy period of your life. To paraphrase, what Covey said simply means that you can imagine and envision your years of retirement. Afterwards, you should act on how to achieve the kind of retirement that you have envisioned for yourself.

What he wanted to say is this: if you are a highly effective person, you would surely plan ahead your retirement, and work towards achieving your plan. Years before your retirement, you should be working tirelessly—even if everybody else is dawdling and dilly-dallying—towards the fulfillment of your retirement dream. You must also try to gain insights into how retirement can be made awesomely happy. Here are a few tips on how you can plan and realize your dream retirement:

First, you should have a good income so that you can save and pay for all the necessary benefits that you could get when you retire. You should develop a career that would net you a sizeable retirement pay and would allow you at the same time to save. One caveat however with savings is this—that you should make your savings as hard to reach as possible.

You should diversify your sources of income by investing. If you want an early retirement, you should have investments that would allow you to gain more income. Diversifying your sources of income will make you less dependent on one source of income. Buy properties that you could utilize or sell in the near future at a higher price. You can also invest in stocks or bonds and whatever you think would net you more earnings in the years to come.

There are other factors that may help you achieve your dream retirement. One is your behavior. Behavioral change at present can help you achieve the ideal retirement. If you have the habit of procrastinating, for example, you should replace it with a “do-it-now” attitude.

Three Factors That Could Determine Your Retirement

There are basically three factors that could determine the type of retirement you would have. These three factors are earnings, savings, and investments. If you have figured out how to perfectly do these three things right, you would surely be in for a happy and meaningful retirement period.


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Fun Games to Help Your Senior Loved One Exercise the Mind

Lori Thomas

We all know about the importance of exercise and what it can do for the body. However, as we age, it is just as important that we take the time to really exercise the mind. If you want to help your senior loved one stretch their mental muscles—there are so many fun ways that you can help. Brain teasers, puzzles and games are all really important for seniors as they age. They help keep the mind sharp and make sure that different areas of the brain that many not normally be activated are getting a bit of a workout.

Ready to have some fun? Here are a few games that are great for all types of seniors and help improve their concentration, memory and thinking skills all while they have a little fun at the same time.


This is a great game for seniors to play on their own or with a friend. This numbers game is popular in puzzle books, magazines and newspapers and there are also plenty of apps that you can download to play on-the-go as well. This game will challenge critical thinking and problem solving skills and come in a variety of levels from easy to difficult—meaning there are puzzles for every type of player.


This game has been around for ages, but it is still as fun as ever. You can still order the original board game version of Boggle or try one of the apps that is available on most tables or smart phone. When the game randomly puts together a grid of different letters, the players have a limited amount of time to find as many words as possible. This is another fun game that seniors can play on their own or with a friend and it challenges their critical thinking and linguistic skills at the same time.


Memory has a great benefit for seniors, for obvious reasons. Many seniors struggle with memory issues as they age and sometimes playing memory-centered games for a few minutes a day can really help! Memory can be played with a card set, on the computer, through an app or you can play verbal memory games whenever you are sitting around the home.

Banana Grams

Looking for a fun and silly game to play with your senior loved one? Check out Bananagrams. You can buy it on Amazon, or wherever games are sold and enjoy a fun silly game that encourages you to make and connect words. Similar to games like Scrabble that can challenge the thinking skills, this word game is all about pushing the linguistic part of the brain. However, the best part is that the winner gets to shout “Bananas!” when they’re done to signify they’ve won.

Lumosity Brain Games

If you log online to, you will find a massive collection of games and puzzles that will tease the brain and help work out the mind muscles. The best part about these games is that they are free, and you can download an app right on your phone or tablet. You can even choose what type of teaser you prefer so your senior can work on areas of the brain they really want to work on whether it is attention, speed and memory, verbal fluency or problem solving.

These games are all fun ways to challenge the mind, so next time your senior loved one is looking for something fun to do give these brain teasers a try and see first-hand how beneficial they can be!

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Downsizing Once the Kids have Left Home

Many couples with kids invest in larger homes so that there is adequate room for the whole family and so they can be in a property that is close to schools and other vital family amenities. However, once the kids have flown the nest and moved into their own home, there seems little point in continuing with a larger home when you don’t need one.

Running a family home can be costly and time-consuming, so as an older couple with kids that have now left home permanently, it is well worth considering downsizing. You can, of course, stay in the same area if you wish to. However, if you are retired you can also enjoy the freedom to move to a different area. By downsizing, you will be able to save yourself money on the cost of running a larger home as well as the time it takes to clean and maintain a larger property.

Points you need to consider

There are various points that you should consider if you are considering downsizing. One key point is whether you want to stay in the area you already live in or move elsewhere. If you decide to move to a new area that you are not familiar with, make sure you research if beforehand. You can conduct research online and carry out everything from a sex offender search to an area background search to check on the safety and suitability of the area.

You also need to think about how much you want to downsize. For example, you may want to go for a one bedroom property since there are now no children living there. However, if you regularly have guests or your children come over to stay, you might want to look for something a little bigger. In addition, the type of property has to be considered. While you may have been in a larger family house previously, would an apartment be more suited to your needs now or would you prefer to stick to a house with a garden?

As with any property that you purchase, when you downsize you should make sure you move to a place where you have the necessary facilities and amenities within close range. While you may not need to look for things such as schools now that there are no kids living at home, there are still other important facilities you should consider. This includes medical facilities, shopping, and entertainment venues amongst other things.

By considering all of these points, you can more easily find the right property to downsize to, which means that you can start looking forward to the various benefits of moving to a smaller property. In addition to easier maintenance and cheaper running costs, you will also be able to look forward to making some money on your old property if you have already paid off the mortgage. You can then use this as part of your nest egg for your retirement.

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With all your traveling, where do you keep your important papers?

Q&A with a Reader

Disclosure: Some links on this site, like the Amazon links, may be affiliate links. If you click on one of these links and buy from the affiliated company, then we receive some small compensation. The modest income helps to keep this blog going. Affiliate links do not increase your cost, and we only use them for products or services that we’re familiar with and that we feel may deliver value to you.


My husband and I have been following you for some time now and we will be retiring in June of this year. We are getting ready to travel the world and look forward to making memories in most of the destinations you have lived in.

Our question is where do you keep your important paper records ( investment, will, birth certificates, marriage license and month to month papers)?

We know you recommend a mail service but while traveling what do you do with important  monthly papers?  If the internet is not great at some of the locations does paperless work?  We will have a turn key home base in the USA but hope to be away from it for maybe 9 months out of the year.

Your suggestions are welcomed.

Thank you so much.

With gratitude,


Relaxing by the beach

Hi Marie,

Thanks for writing. And congratulations on your upcoming retirement! How exciting!

Marie, about 99% of our mail – important papers, financial statements, credit card billings, and so on – are all done online. We have been paperless for about 15 years.

Our brokerage firms (Fidelity and Vanguard) offer paperless statements and Fidelity offers a free check writing service that we utilize when we need to send a physical check to someone. Otherwise we PayPal money to friends and family with no fee.

In regards to our wills and marriage certificate, we have them stored with a trusty friend. Alternatively, you could put them in a bank vault or leave them with family. Birth certificates we carry with us, as sometimes we need them when we travel. If we were to lose them, we’d simply have another one sent to us from the county office in the county in which we were born. We also have a digital copy of our marriage certificate.

Traveling Mailbox (the service we use) can physically mail us anything we receive should we want a physical copy, otherwise they will scan the item and we can read it online, then ask them to shred it or forward it to us anywhere in the world.

Right now, the only monthly papers we are receiving are the ones from Social Security and Medicare, and we don’t really want all that paper sent to us, so we peruse online and then have them shredded.

Since we are on Medicare, and we have no US based health care insurance, we have no booklets, and no EOBs or paperwork sent to us. We utilize medical tourism as we travel and pay out-of-pocket.

Traveling Mailbox can be purchased by the month or by the year, as you see fit in your travel schedule. We purchase their services for the year, and then receive 2 months for free. We find that to be very convenient.

I hope you have found this information to be useful. Feel free to write if you have another question.

Wishing you the best in your travels and in your upcoming retirement.

Best Regards,


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When Is Enough Money Enough? How Do You Just Stop Working?

Q&A with a Reader

Hi Billy, Akaisha,

Just listened to your broadcast on youtube.

Wow! you guys are the pioneers of this movement. Congrats on your success.

I am well on my way to following your lead. I currently live in southern Thailand, still telecommuting for work back in the US but I am almost at the point of stopping. It was very encouraging to hear that you have been able to live off of your investments for such a long time.

I have a question, and I’m sure you have heard this many times before, how do you know when enough is enough? I mean, my investments would cover my expenses, at least if I stick to the 4% rule but how did you come to pull the trigger and just stop?

When you come back to Thailand, let’s get together. I would love to chat.



Surfing in southern Thailand is great fun!

Hi Spencer,

Thank you for taking the time to write. We are very happy that you enjoyed our interview with Mad Fientist.

How much is enough is a question we asked ourselves when we were preparing to leave the conventional working world, and it is a question that we are asked often today. The answer is individual, of course, depending on the style of retirement you want to live. But to give you an idea of how to figure that out, you would take the amount of spending you are doing today to live the life you are living now, and multiply that by 25. That Dollar amount is the figure you need to have in invested assets in order to throw off enough income plus enough to cover inflation.

Over the last almost 3 decades of world travel, our annual spending is still under $30,000USD per year and we have more money now than we did when we first retired.

We knew we wanted to travel the world

As far as how we were able to “pull the trigger” and let go of our jobs and current lives and jump into our undefined futures… There were a couple of things. One for certain, is that we were being pulled by our dreams of a better lifestyle – one of travel, free time, personal creativity and continuous learning. In other words, we were being pulled forward instead of trying to escape something we had.

We made a list of all the things we wanted to do, wanted to learn, places we wanted to visit, etc., so that when we left our jobs, we knew what we were going to do on day one. So it wasn’t a complete unknown. It wasn’t like we were jumping into a void.

That being said, we did sort of “Jump into the Volcano” (it was a popular Tom Hanks movie at the time) and trusted ourselves enough to figure things out. We didn’t diddle and daddle and over analyze every little thing. We took 2 years to track our spending, knew what we needed financially, had our list together, and dreamed ourselves into our future.

How much money would we need to retire?

There were certainly some unexpected things we had to face… as you can read here… but we have never regretted our decision.

I hope you find my answer useful, and do feel free to write any time.

Thanks again for your interest in our story.

Best Regards, and wishing you the best of everything,

Akaisha and Billy

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Transitioning to Retirement; The Housing Conundrum

Q&A with a Reader

Disclosure: Some links on this site, like the Amazon links, may be affiliate links. If you click on one of these links and buy from the affiliated company, then we receive some small compensation. The modest income helps to keep this blog going. Affiliate links do not increase your cost, and we only use them for products or services that we’re familiar with and that we feel may deliver value to you.


I wrote to you a few years ago.

At the time, I was considering retiring in Brazil in a home that we own.  My wife is from there and her family lives close by.  To qualify for permanent residence I have to stay there for 6 months.

I have now reached the “magic” age of 62 and after 44 years in my technology career, I’m looking forward to retirement but I don’t intend to sit around and do nothing.

In Brazil, I can teach English or technology part-time or help my wife in some of her small businesses such as renting out kayaks on the beach or parking cars in our parking lot.

I recently purchased your latest Retire Early Q&A  volumes 1 and 2 and The Adventure’s Guide to Early Retirement.

You’ve mentioned that you have investments in the U.S.  Most brokerage firms require a U.S. address to maintain an account.  I’m guessing you use your residence in Arizona to satisfy that requirement.

You also mention that housing is the largest expense.  I totally agree.  I do not own a home in the U.S. but we would like to come back for visits.  Most of our family is here in New England.

The cost of housing can take a chunk out of your retirement budget

We considered purchasing a 3 or 4 unit building and keeping one of the apartments for ourselves but then we would have to hire a property manager when we traveled for long periods.

The other option is to do what you did, purchase a manufactured home in a park.  In New England, sometimes the homes are expensive but the park fee is low.  In other cases, the homes are cheap but the fee is much higher.

I’m curious as to what you are paying for a park fee in Arizona.  Maybe I should move there or to Florida – LOL.

Best Regards,


Hi Paul,

Thank you for taking the time to write.

Congratulations on your upcoming retirement. Sounds wonderful!

To answer your question about maintaining a US address for your brokerage account, we utilize Traveling Mailbox. You can read about the features and benefits here.

Do you need to keep a home in the US?

In terms of housing being the largest expense in any household, and the idea of your purchasing a domicile in the States so that you can visit family… I sincerely would recommend house sitting. Chances are there are people in your New England location who want to travel and need someone to look after their home and/or pet. In this way you are not purchasing property and saddling yourself with insurance payments, maintenance, property taxes, or having to deal with renters, a property manager, a gardener or anything of this sort.

House sitting allows you to stay in someone’s home (for free, usually) in exchange for watching over their pet and belongings. We know of people who travel the world house sitting in one country after another. Many of the home owners ask the sitters to come back year after year, and strong friendships are created in this manner. AND it suits everyone’s needs. I would certainly give it some thought as an alternative to spending hundreds of thousands of dollars in purchasing property.

If you would like some other ideas for housing, take a look at our Travel Housing Page or our Housing Options Page. You might find the information here to be useful.

In case you have not read about our manufactured home in AZ, here is our piece on Worry-Free Housing. Since we chose not to purchase the property, our annual Lifestyle Fees are a modest amount, less that you would pay to rent an apartment in the same city.

Active Adult Communities have many amenities

I hope you find this information to be useful to you. If you have further questions, feel free to write to us any time.

Sending you our best regards, and looking forward to hearing from you again sometime.

Akaisha and Billy

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We have an obligation to serve the poor and the homeless

Comment from a Reader 

I have a neighbor who retired at age 40, and she has seen the world as you have. She does humanitarian work, but most of it does not involve the homeless and the poor, for those are the ugly pictures, the ones which cry out for your help, elderly bagging groceries, and little children who know only that they are uncomfortable, for mothers know nothing about grooming them.

I only wish to know who takes care of the majority of the world when we all go out into the kingdoms made for those who flee from one adventure to the other.

We do have an obligation to serve the poor and the homeless.

How does this fit in to your quest?


Hi Barbara,

Thanks for taking the time to write.

It is our perspective that becoming financially independent is one of the best things we can do for ourselves and the world.

When we are no longer enslaved to our paycheck with the corresponding pressures to maintain a job to pay our bills, we have the time and the finances to give back.

Each person is able to give according to their skills. Perhaps one person has the talent to invent a product to assist mankind in one form or another. Maybe someone else dedicates their time installing clean water in villages that don’t have it. Another teaches English so that the local poor can move up in the world and bring their knowledge and income back to their village. Other people spend their time educating young women who are known to go back to their village and uplift, teach, or mentor other young girls… and the entire village benefits.

There are countless ways to volunteer and to give back.  Medically trained people donate their time and expertise for free to those in need – as was done in our previous home base of Panajachel, Guatemala. Those who are trained in horticulture are helping locals plant sustainable crops. Others offer mini-loans to help small business people (many of them women) to get started so they can purchase shoes, clothing and school supplies for their children.

We are aware of so many of these things happening as we seem them in our travels.

I’m unclear of what has formulated your perspective – thinking that “people” don’t give enough to the poor or homeless… Many good things are happening all around the world — all the time.

Besides volunteering ourselves (instructing, mentoring, building, supporting those in need) we make a point of disseminating information so others can volunteer in their retirement time. We connect people to projects often, and we publish what we can about certain projects that are making a difference in people’s lives.

We encourage those who are leaving the working world to create a life of meaning in their retirement, not just spending their time in endless rounds of golf or bridge.

I am proud of what we do, of how we give back, and am amazed at the quality of people we have met who are supporting those in need…

It is my hope for you that you, too, will experience the exhilaration and satisfaction of giving back – whether it is in your own home town and neighborhood or if you travel to some faraway land.

Sending my best,


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Why We Decided to Hold Off on Children

By guest author June, she’s a new blogger over at, read about her journey!

After marriage, one of the first questions that many young couples get is, “So, when are you going to have kids?” My partner and I have gotten used to the question, which has been repeated in a variety of forms in the years since we have gotten married. The truth is that while we do want kids, we are also enjoying our lives without them. As a two income household without any children, we have been able to reap financial rewards from our decision to put off starting a family. This will ultimately put us in a better position once we do decide to have children.

We Are Better Able to Manage Our Home

The first major purchase that we made as a couple was our house. While we love our home, it requires quite a bit of time, money and effort from us. We spend a lot of time on improvements, and have put quite a bit of work into make it our dream house. Without kids in the picture, we can devote our weekends to things like retiling the kitchen or adding on a deck. These not only increase our enjoyment of the place but they also increase its value — something that will be useful if and when we decide to sell. Putting off having children has allowed us to take our starter home and turn it into a beautiful showpiece.

Being child-free has given us more than time to do these home improvement projects. It has given us the money to purchase high quality tile and top of the line appliances to replace broken or outdated ones. We can handle mishaps with relative ease (such as when the old hot water tank broke) because we are not spending $1000+ a month on daycare.

We can also put more money each month towards our mortgage. Based on a mortgage calculator, the few hundred dollars that we add to our mortgage payment every month will shave more than 5 years off of our mortgage — along with tens of thousands of dollars in interest payments. Waiting to have kids allowed us to make this happen, which will free up our money later to devote to other things, like saving for college.

We Can Pay Down Debt Sooner

Each of us came into the marriage with certain debts, like student loans from college. We also had some credit card debt that had to be addressed. Because we each earn a healthy salary, we are able to dedicate ourselves to paying down our debt, focusing ourselves on a particular strategy (the debt avalanche) to become debt-free before we become parents.

We know that once kids arrive, certain expenses cannot be avoided — diapers, clothes, new clothes and shoes, car seats and more. By devoting our extra money to debt now, we can start off on the right financial foot while we have the spare cash.

High interest rates can make it incredibly difficult to get out of debt. That is why we are so devoted to putting as much money as possible towards our high-interest debt. By waiting to have kids — and taking the financial hit of setting up a nursery, maternity leave and so forth — we can chip away at our biggest debts until we pay our debt off early.

We Can Save for Retirement More Effectively

Finally, by waiting to have kids, we are in a better position to save and invest. With two incomes and no children, we have more financial freedom than we otherwise would. This gives us the ability to max out our 401(k)s, contribute to Roth IRAs, and even start investing to maximize our nest egg. If we currently had children, saving for that dream retirement would be much more difficult.

Once we have kids, we would either be bringing in less money, or paying more each month in order to earn the same amount. One parent would likely need to either stay home from work or cut back to part-time, or we would be paying a fair amount of money for child care. This significantly reduces the amount that we can contribute towards retirement and other savings and investment.

On top of that, we would also have to start contributing to a college fund, paying for numerous other expenses, and otherwise plan our finances in part around our child. While the joy of a baby would be worth it, we know that we aren’t ready yet — which is why we are taking advantage of being child-free for now to maximize our saving and investing.

Final Word

There are many financial advantages to having two incomes and no kids. The ability to manage our household better will give us an edge in the future, when our home has greater value and we owe less on it. We can also use this time to pay down our existing debts, and to continue to save and invest as much as possible. By taking all of these steps, we are positioning ourselves to be in the best place possible when we eventually do decide to become parents.

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Healthcare, Assisted Living: Our Future in Mexico

Q&A with a Reader

Hi There!

My husband Paul and I just moved to Mazatlan in September and love where we are renting, but I am now looking forward to finding an affordable 2 bedroom cottage or apartment, that allows pets, and has retirement living amenities.  A place where we can add on in-home care as needed in the future sounds perfect.  Then we won’t have to keep moving.

We are both 64 years old.  I will turn 65 this year, so also wondering if there are age restrictions for starting Long Term Care Insurance?

Do any retirement communities in Mexico give a locked in price if you commit to staying longterm?  We are living on our social security with almost no savings (a business failed at just the worst time).

We would be interested in Mazatlan, Puerto Vallarta, Cabo San Lucas, Todos Santos, Huatulco, Puerto Escondido, Lake Chapala, or possibly beach areas in Eastern Mexico (we are not familiar with that side).  My husband prefers staying near surfing beaches.

Thank you for any advice or resources.

Best regards,

Mary and Paul

Hi Mary and Paul,

Thank you for writing.

Congratulations on finding an affordable retirement location despite the financial roller coaster you both have been through. We understand and we send our best support to you both!

First, let me say that “retirement communities” with retirement amenities are a new idea in Mexico. The older members of the family are taken care of by the younger members of the family, often having Grandma and pa move in with them, so that there is inter-generational living. I think that Mexico is seeing the business possibilities of this idea (with more and more Boomers retiring and moving to Mexico) and there are plans in the works for facilities such as you mention.

I am going to give you some links where you can do research on your own, or links to forums where you can ask those who are living locally what the rental and “aging/assisted living” situation is in their location. The forums are free to join.

You might try looking at our Chapala Medical Care page that lists assisted living facilities in the general area (scroll down to almost the bottom to find this section). Several of them have nurses on site and regular doctor visits to patients are available. Some also provide taxi service to take you to your doctor as well. Some even have “comfort dogs” on site.

Here are some links to forums – 

Chapala Web Board Forum    Chapala Club      Inside Lakeside

A couple of articles:

Continuous Care: Opening Up the Conversation

Questions on Continuous Care in Latin America | Blog

And here is our Relocation Page where you will find Expat forums where you might be able to post your questions in order to have locals answer them.

In terms of what you might do in the meanwhile, you can always hire a local to do your shopping, cooking and cleaning. You can hire a nurse to come to your home on a regular basis to check in on you, administer meds, take your blood pressure or other simple procedures. Doctor visits can be arranged, either having them come to your home or more likely, having a taxi service on retainer to bring you to your appointments and back. These services are far more affordable in Mexico than in the States.

As far as Long Term Care Insurance, I personally don’t know anything about it, but you could take a look at our Medical Insurance Page to see if any of the underwriters offer this option.

I would advise keeping yourself open to new prospects and to not get discouraged. With a little creativity you could put together something that works for you.

If you have further questions, feel free to write.

Wishing you both the very best,


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I Want to Simplify and Travel

Q&A from a Reader

I just came across an article about your decision to leave convention behind and really live.  I need help to convince my conventional husband that we can do the same thing.

Can you help?

I will be looking into your books, etc. but appreciate anything else you have for “ammunition”.  I am a free spirit that thought security was more important than anything.

We are both over 50 now and I have learned that we will do well in whatever we put our mind to.  My husband is cautious by nature and loves the idea but is afraid to step forward.


Thank you for your inspiration!


Hi Rachel,

Thanks for taking the time to write, and for your interest in our website and books.

We do explain in both of our books, The Adventurer’s Guide to Early Retirement and Your Retirement Dream IS Possible, about finding out what your net worth is, tracking your spending so you know what you are spending per year and per day. We also speak about the Safe Withdrawal Rate, where if you spend, say, 4% of your net worth or less per year, the theory is that you will never run out of money.

If you track your spending, there will be no surprises about how much money you have or where it goes. If you do it daily, then you can aggressively manage that figure to be what you want it to be to keep you in line with having a sustainable retirement.

We also discuss the 4 categories of highest spending in any household — housing, transportation, taxes and food/entertainment. If you modify any or all of these categories, then you are able to “find extra money” to either spend elsewhere or to invest.

Be free to travel! Be free to LIVE!

In Your Retirement Dream IS Possible, we discuss when partners have a different vision of retirement, and give suggestions on working those challenges out.

One thing to do is to focus on what will make your partner happy, what they are attracted to, and — say in your case — how you can make it sustainable, practical and “secure.”

Partners often will fight the idea because they have questions that are not resolved or they feel threatened in one way or another (“You” want to travel “they” want to stay home. “You” want to work on being a pillar of the community, mentoring, using your expertise, “they” want to be a vagabond and let go of heavy responsibilities — and so on.) The best way to get a partner on board is to appeal to what they like, and work out a viable plan between you, where you both get what you want.

Pushing, or threatening or emotional blackmail (not that you might do this, but we have heard from other couples) doesn’t work. The partner entrenches their feet into the ground, and then you have a bigger problem.

Akaisha and her Maya friend, Panajachel, Guatemala

You might take a look at our Retirement Issues Page as well as our Preferred Links Pages which address many issues of retirement and they give you options. Also, take a quick look at our Annual Spending Update which is recent as to the end of 2017.

Feel free to write to us any time with your questions, as we are happy to help.

Again, thank you for writing.

Best Regards,

Akaisha and Billy

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