Early Retirement At 40

Time spent with close family members is better than time spent at work. This is likewise the same for the time spent on doing things one like is definitely much better than time spent on work.

I am now on the verge of comtemplating to quit the full time employment at the almost ripe age of 40. The only drawback is the alternative time slot in lieu of my full time employment. I need to find my passion of interest in which I can devote my time on. Otherwise, it will be wasteful ifling my time at home. This is despite having the ability to do so for almost a decade before my money run out due to expenses incurred for my current simple lifestyle.

Time is of essence. Now is the right time for me to execute my FI plan of getting out of the rat race. I csn still alter my plan depending on the prevailing circumstance. What if the worst case scenario in which my stash is fully utilised? I can still go back to work though the barrier of entry will be higher due to possible irrelevant experience and older age? The employers are less inclined to employ people of over 40 years old in the place which I currently reside. Despite all these barriers, I am absolutely confident that I can still find jobs as long as I keep on trying to look for it. There is a possibility that I do not need to resort to such options if the dividend generated from my investment covers my simple lifestyle expenses in whole. “Heaven devine, Man act”.

There is nothing which remains the same all this year. The constant is change. I am of view that one should go for early FIRE if possible. Life is short. Cherish the moment!


Author: firewtk

A middle-age Singaporean currently having a minimalist and simple lifestyle. I am not longer in full-time employment with effect from 1 May 2019. I try my very best to write one post per day on this blog. The purpose is to share my prevailing thoughts to interested readers. It is up to the interested readers to decide whether they want to take action in embarking on the FIRE journey. I do not gain anything from this blog and it is solely for sharing hopefully for the benefits of all interested reader. WTK

2 thoughts on “Early Retirement At 40”

  1. Do you actually plan to go back to work though? If you have enough stashed away, you may not need to worry so much about keeping your options open (although it’s never inadvisable to do so!). Does your SWR (safe withdrawal rate) cover your annual living expenses?


    1. I still have my full time employment. I cannot say that I have enough stashed away. However, I can do so when I reduce the current expenses. My attitudes towards work still the same. My manager and co-workers sees me as one who works hard within the stipulated working hours but will not put in the extra working hours. In my mind, I know that I can afford to lose this job if the retrenchment occurs to me. I will be glad to take the benefits if offered. It’s the best of the two world with various options at my disposal.


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