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cover of episode The Single Biggest Risk That Could Stop Your Early Retirement (& How to Dodge It)

The Single Biggest Risk That Could Stop Your Early Retirement (& How to Dodge It)

2025/4/29
logo of podcast BiggerPockets Money Podcast

BiggerPockets Money Podcast
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Scott Trench
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Tyler Gardner
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节目旁白
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节目旁白：FIRE运动的真正驱动力可能并非财务自由，而是对现有体制的逃避。 Scott Trench：许多人将投资组合过分集中于股票，缺乏债券配置，这在接近退休年龄时存在风险。FIRE运动的初衷可能是逃避令人厌恶的工作，但随着时间的推移，目标应转变为追求有意义的工作和生活方式。FIRE运动的最终目标是提前退休，享受退休生活，但这并不意味着完全停止工作。 Tyler Gardner：个人理财因人而异，但投资策略应考虑资产配置，平衡增长与波动性。投资策略不应只关注增长，还需关注波动性，尤其是在开始提取投资本金时。应尽早调整投资组合，以应对退休后提取资金时的市场波动风险。我不认为自己是理财专家，但多年来学习和实践理财知识，积累了经验。对FIRE运动的目标和人们试图逃避什么感到好奇，认为其目标并非仅仅是停止工作。FIRE运动与完全停止工作不应该画等号，找到有意义的工作同样重要。退休后缺乏身份认同和生活结构可能导致抑郁。随着工作文化的转变，人们可以更灵活地安排工作和生活，在兼顾工作和休闲的同时获得财务自由。逐步减少工作量，而不是完全停止工作，对财务健康和心理健康都有益。公司不应以工作时长衡量员工价值，而应关注工作成果。能力强的员工往往承担更多工作，这可能导致工作过载。为了降低风险，提前退休者需要创造稳定的现金流，例如通过固定收益产品或兼职工作。投资固定收益产品意味着放弃部分增长机会。完全依靠股票投资进行退休规划存在风险，尤其是在市场波动时期。已还清的房产可以作为一种稳定的收入来源，降低退休风险。为了降低短期市场风险，多元化投资组合至关重要，包括房地产信托基金等。FIRE运动应鼓励人们更灵活地规划工作和生活，而不是简单地追求完全停止工作。 Mindy Jensen：FIRE运动的目标是获得时间自由，能够安排自己想要的生活，包括工作和休闲。许多人能够长时间保持高强度工作，并为工作付出最大的努力。从储蓄积累到提取资金的心理转变，以及如何应对潜在的资金减少，是一个复杂的问题，没有简单的答案。

Deep Dive

Shownotes Transcript

You’re part of the FIRE movement)** (financial independence, retire early)** so you can** quit your job**, have complete** time freedom**, and truly enjoy your life. But what if early retirement isn’t all that it’s cracked up to be? What if you grind for years or decades, reach your FIRE number, quit your job, and realize… you’re bored? Your schedule is wide open, but what do you fill it with? You start asking yourself,** “Did I pursue FIRE for financial freedom)—or to escape something else entirely?” **

Tyler Gardner, former portfolio manager and financial advisor, has seen the toxic side of FIRE far too often. Tyler believes that working on something you love can be far more meaningful than early retirement), and he might be right.** Early retirees often struggle with their post-career lifestyle**, and many find they can’t thrive without meaningful work. This identity shift can cause profound dissatisfaction, even after so much sacrifice to get to this point.

Tyler’s advice: slowly phase out of work or have other income streams that can keep you going, not just for your mental health but your portfolio’s health. So, how do you do that? Mindy, Scott, and Tyler have a meaningful debate, with *significant *disagreements, on the best way to phase out full-time work, why a 100% stock portfolio may be safer than you thought, and the toxic side of FIRE nobody talks about.

In This Episode We Cover

The problem with FIRE and why early retirement won’t solve everything

The #1 risk early retirees are NOT prepared for and how to ensure you keep your FIRE blazing

**How to phase out of work **even if you have a demanding, full-time, 40+ hours per week job 

Why **working during early retirement is *****not ***a bad thing and has massive benefits 

Creating cash flow) before you retire and how to minimize the dreaded “sequence of returns risk)”

And **So **Much More!

Check out more resources from this show on ⁠BiggerPockets.com⁠) and ⁠https://www.biggerpockets.com/blog/money-635)

*Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email *⁠[email protected])

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