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cover of episode I Retired Early in My 40s WITHOUT Withdrawing from My Portfolio! | Life After FIRE

I Retired Early in My 40s WITHOUT Withdrawing from My Portfolio! | Life After FIRE

2025/5/7
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Chris Luger
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Chris Luger: 我在2015年离婚后开始关注财务独立,并通过学习理财知识,意识到可以提前十年退休。我将近70%的收入用于储蓄和投资长达七年,并通过房地产投资加速了这一进程。我目前拥有5处住宅房产,每月租金收入约6000美元,这足以支付我的生活开支。我的投资组合主要由股票和债券构成(60/40),房地产约占我净资产的一半以上。我退休时的净资产约为220万美元,其中投资组合约为130万美元。我遵循4%法则,但目前并不提取投资组合的资金,而是依靠房产收入和一些副业收入来维持生活。我选择与一位理财顾问合作,这让我在财务方面更有信心,并能更全面地规划财务,尽管我知道有些人对此有不同的看法。我并不担心钱不够用,而是更担心时间不够用,所以我会在保证财务安全的前提下,享受生活,做自己想做的事情。 在退休初期,我经历了一些挑战,例如缺乏结构和目标感,甚至一度感到焦虑和恐慌。后来我意识到,退休是一个循序渐进的过程,需要时间来适应。我开始专注于建立自己的生活节奏,并寻找自己热爱的事业或目标,例如发展我的博客和品牌,参与非营利组织的工作等。 我的退休生活与我最初的设想有所不同,我需要不断调整和适应。但总的来说,我实现了财务自由,并拥有了更多的时间和自由去追求自己的兴趣爱好。 Mindy Jensen: 作为主持人,我引导访谈,并就Chris的财务状况、投资策略、退休生活等方面提出问题,以帮助听众更好地了解他的经验和心得。 Carl Jensen: 作为主持人,我与Mindy一起引导访谈,并就Chris的财务状况、投资策略、退休生活等方面提出问题,以帮助听众更好地了解他的经验和心得。

Deep Dive

Shownotes Transcript

You CAN retire early) in just ten years IF you save and invest enough. Fortunately, your retirement expenses may be less than you think. Chris Luger, from Heavy Metal Money, didn’t think about retiring early until a** divorce made him take control of his finances. **He realized that the path to early retirement was only ten years away, so he started saving)—a lot. Chris managed to save and invest 70% of his income for seven years, and just last year, he pulled the trigger and retired!

And here’s the kicker—Chris isn’t even touching his retirement portfolio. Thanks to a passive income side hustle, he’s funding his lifestyle without drawing down his nest egg. Chris is proof that even after divorce, with kids and an event-packed lifestyle, you CAN afford to retire early.

What’s Chris’s investment portfolio made up of? What’s his passive income-producing side hustle? And how does he deal with stock market downturns) without losing his head? Chris shares the** raw realities of early retirement,** the biggest struggles to prepare for, and the one thing that makes FIRE) truly amazing once you achieve it.

In This Episode We Cover

How to** retire early in your 40s by supercharging your savings** rate 

Why you need a passive income) stream to have a stress-free FIRE lifestyle 

Is a financial advisor worth it? Why Chris is confident in his decision to use an advisor 

What you need to **prepare **for **NOW if you’re planning on retiring early **

Why Chris is worried about running out of life, not money, in early retirement (and you should be, too)

And **So **Much More!

Links from the Show

Mindy on BiggerPockets)

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Rich Dad Poor Dad)

Sahil Bloom: The “X Factor” for Financial Freedom and Why FIRE Won’t Make You Happy)

When You Should (and Shouldn’t) Hire a Financial Advisor | Life After FIRE)

Heavy Metal Money)

Maximize Your Real Estate Investing with a Self-Directed IRA from Equity Trust)

Grab the Personal Finance Classic, “Rich Dad Poor Dad”)

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Property Manager Finder)

When You Should (and Shouldn’t) Hire a Financial Advisor | Life After FIRE)

Connect with Chris)

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Check out more resources from this show on ⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠) and ⁠⁠⁠⁠https://www.biggerpockets.com/blog/money-638)

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