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Would you like to visit our UK site?",[],"Stay on US site","You’re currently on our US site",[695],{"_uid":696,"heading":697,"cta_link":55,"cta_text":698,"component":699,"description":700,"pro_heading":701,"pro_cta_link":33,"pro_cta_text":702,"pro_description":703},"7404adca-dc5b-443e-a1b4-4c8bed2673b3","Financial advice","Match with an advisor","sidebar_cta","We’ll find a professional perfectly matched to your needs. Getting started is easy, fast and free.","Access high-quality leads in minutes with UnbiasedPro","Get perfect clients now.","If you're looking for the perfect clients we'll deliver them straight to your inbox and give you the tools to manage them throughout the sales process.",[705],{"_uid":706,"title":707,"CTAText":708,"subtitle":709,"component":710,"errorTitle":711,"description":712,"successTitle":713,"errorSubtitle":714,"successSubtitle":715,"consentCheckboxLabelText":716,"errorMesageFirstNameError":717,"consentCheckboxLabelLinkURL":656,"consentCheckboxLabelLinkText":718,"errorMessageRequiredFieldEmail":719,"errorMessageIncorrectEmailFormat":720,"errorMessageRequiredFieldConsent":721,"errorMessageRequiredFieldInterest":722,"errorMessageRequiredFieldFirstName":723},"8ca4fd8f-da99-489f-aa1b-fcfabdd8b7e3","Get the latest news and tips","Sign up for email updates","Sign up for news that may impact your finances","sidebar-email-signup","Sorry, there was a technical problem","Receive the latest news, tips and guides to help you manage your finances","Thanks for signing up!","Please try again later, or email contact@unbiased.com","You should receive an email confirmation shortly.","I consent to Unbiased storing my data in accordance with their","Too many characters","privacy policy","Your email address is required","Your email address contains errors","Your consent is required","Your interest is required","Your first name is required","config",-60,[],0,"c7c18fda-2d94-4a2f-9d60-e1fee25d980a","2022-11-21T10:48:58.546Z","default",[],{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":734},256,"\u003Cpath fill=\"currentColor\" d=\"m216.49 104.49l-80 80a12 12 0 0 1-17 0l-80-80a12 12 0 0 1 17-17L128 159l71.51-71.52a12 12 0 0 1 17 17Z\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":736},"\u003Cpath fill=\"currentColor\" d=\"m229.66 218.34l-50.07-50.06a88.11 88.11 0 1 0-11.31 11.31l50.06 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most people, being “ready to retire” is more about their financial situation than their age.",{"type":770,"content":777},[778],{"type":18,"content":779},[780],{"text":781,"type":22},"While you can retire at any age, you cannot access your Social Security until age 62 at the earliest, and this will be at a reduced rate. ",{"type":770,"content":783},[784],{"type":18,"content":785},[786],{"text":787,"type":22},"If you can estimate your post-retirement income and expenses, you should have an idea of how your finances can match up with your retirement goals.",{"type":770,"content":789},[790],{"type":18,"content":791},[792,794,800],{"text":793,"type":22},"A ",{"text":795,"type":22,"marks":796},"financial advisor",[797],{"type":31,"attrs":798},{"href":799,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/primary-areas?mf-type=regular",{"text":801,"type":22}," can help you develop a plan to retire early. Unbiased can match you with an advisor best suited to meet your needs.","company-summary-rich-text",{"id":34,"alt":34,"name":12,"focus":34,"title":34,"source":34,"filename":12,"copyright":34,"fieldtype":804,"meta_data":805},"asset",{},"Key takeaways","company-summary-box","white",{"_uid":810,"data":811,"component":1077},"70f94cac-0093-43e2-b589-79d2b6e1f7c2",{"type":15,"content":812},[813,820,824,828,832,836,862,866,871,875,879,883,887,891,897,901,904,908,912,917,921,925,941,946,950,954,958,963,967,971,975,980,984,988,992,996,1000,1018,1023,1027,1045,1049,1053,1058,1062,1066],{"type":814,"attrs":815,"content":817},"heading",{"level":816},2,[818],{"text":819,"type":22},"What is early retirement?",{"type":18,"content":821},[822],{"text":823,"type":22},"Early retirement can mean different things to different people, depending on the specific age they are hoping to retire. ",{"type":18,"content":825},[826],{"text":827,"type":22},"For most people, perhaps, being “ready to retire” is more about their financial situation than their age. So, you may be ready to retire when you’re 40, assuming you can afford to. ",{"type":18,"content":829},[830],{"text":831,"type":22},"Not everyone can finish working at 40, of course. ",{"type":18,"content":833},[834],{"text":835,"type":22},"But the earlier you begin planning, the better chance you have of reaching your goal of early retirement. However, you still wouldn’t be able to draw Social Security benefits until 62, at least, but you’d be effectively retired. ",{"type":18,"content":837},[838,840,852,854,860],{"text":839,"type":22},"US citizens can start claiming their retirement benefits from Social Security at age 62. However, your monthly Social Security benefit will be reduced if you decide to start drawing those benefits before reaching ",{"text":841,"type":22,"marks":842},"full retirement age",[843],{"type":31,"attrs":844},{"href":845,"uuid":846,"anchor":34,"target":35,"linktype":74,"story":847},"/discover/retirement/what-happens-if-i-take-out-my-retirement-savings-early","e207bfc5-75b9-441d-91f4-8ac2a84a9109",{"name":848,"id":849,"uuid":846,"slug":850,"url":851,"full_slug":851,"_stopResolving":558},"What happens if I take out my retirement savings early?",381855542,"what-happens-if-i-take-out-my-retirement-savings-early","discover/retirement/what-happens-if-i-take-out-my-retirement-savings-early",{"text":853,"type":22},", which is either 66 or 67, depending on the year you were born (you can find this out on the Social Security website ",{"text":855,"type":22,"marks":856},"here",[857],{"type":31,"attrs":858},{"href":859,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.ssa.gov/planners/retire/agereduction.html",{"text":861,"type":22},"). ",{"type":18,"content":863},[864],{"text":865,"type":22},"The earlier you retire, the lower your retirement benefits will be, with reductions rising as high as 30%. In other words, if you retire or start drawing Social Security benefits at age 62, you could receive only 70% of your monthly benefit if you waited until age 67. Some people might want to retire in their early sixties, while others may be looking to end their working careers in their fifties or even forties.",{"type":814,"attrs":867,"content":868},{"level":816},[869],{"text":870,"type":22},"Early retirement: a step-by-step guide",{"type":18,"content":872},[873],{"text":874,"type":22},"Picture your retirement: Will you spend a lot of money traveling, or will you live frugally and enjoy your free time with minimal expenses? Will you need money to start a business or live an active social life? ",{"type":18,"content":876},[877],{"text":878,"type":22},"These questions are key to planning your retirement, as they will give you a better idea of how much money you will need to live out your planned retirement.  ",{"type":18,"content":880},[881],{"text":882,"type":22},"Alongside general expenses such as food, your mortgage or rent, and healthcare, you will also need to consider other outgoings. These could and likely will include transport and recreation. ",{"type":18,"content":884},[885],{"text":886,"type":22},"If you’re retiring while you're still financially responsible for your children, you will also need to factor in those costs.  ",{"type":18,"content":888},[889],{"text":890,"type":22},"Your budget will probably change when you’re retired, given that you’re giving up income. But if you can estimate your post-retirement income, if any, and what your expenses will be, you should be able to get an idea of what your financial parameters will be.",{"type":814,"attrs":892,"content":894},{"level":893},3,[895],{"text":896,"type":22},"1. Picture your retirement",{"type":18,"content":898},[899],{"text":900,"type":22},"Will you be spending a lot of money to travel when you retire? Or live frugally, enjoying your free time with minimal expenses? Will you need money to start your own business or live an active social life? ",{"type":18,"content":902},[903],{"text":878,"type":22},{"type":18,"content":905},[906],{"text":907,"type":22},"In addition to general expenses like food, housing, and healthcare, you will also need to consider transport, recreation, and family matters.",{"type":18,"content":909},[910],{"text":911,"type":22},"Your budget will probably change when you retire, too. But if you can get an estimate as to what your financial needs will be, you’ll get a ballpark idea of the sort of retirement income you’ll require.  ",{"type":814,"attrs":913,"content":914},{"level":893},[915],{"text":916,"type":22},"2. Size up your current financial situation",{"type":18,"content":918},[919],{"text":920,"type":22},"Looking at your financial situation objectively, ask yourself: Where do I stand, and how feasible are my retirement goals? ",{"type":18,"content":922},[923],{"text":924,"type":22},"Is retiring at 50 realistic if you’re 40 and only have $20,000 stashed away? Probably not. ",{"type":18,"content":926},[927,929,939],{"text":928,"type":22},"But if you have ",{"text":930,"type":22,"marks":931},"$500,000 saved for retirement",[932],{"type":31,"attrs":933},{"href":201,"uuid":202,"anchor":34,"target":35,"linktype":74,"story":934},{"name":935,"id":936,"uuid":202,"slug":937,"url":938,"full_slug":938,"_stopResolving":558},"Retiring with $500k",439289325,"can-you-retire-on-500k","discover/retirement/can-you-retire-on-500k",{"text":940,"type":22}," and need a balance of $900,000 to retire by age 50, you can probably afford to be more optimistic.",{"type":814,"attrs":942,"content":943},{"level":893},[944],{"text":945,"type":22},"3. Do the math on your retirement income",{"type":18,"content":947},[948],{"text":949,"type":22},"As noted, Social Security won’t start paying out your retirement benefits until you’re 62, at least. ",{"type":18,"content":951},[952],{"text":953,"type":22},"The earlier you retire, the lower those benefits will be. But before and after you start receiving these benefits, you’ll need to consider the other ways you’ll generate income. ",{"type":18,"content":955},[956],{"text":957,"type":22},"For instance, will you be receiving money from other fixed sources, like pensions or annuities? Take everything into account. For example, if you figure you’ll need $50,000 per year in income post-retirement but will receive $3,000 per month from a pension, you’ll want to consider that $36,000 per year when crunching the numbers. ",{"type":814,"attrs":959,"content":960},{"level":893},[961],{"text":962,"type":22},"4. Try to pay off your debts and mortgage ",{"type":18,"content":964},[965],{"text":966,"type":22},"With an eye on saving for your future, you’ll first want to start paying off your debt as much as possible. ",{"type":18,"content":968},[969],{"text":970,"type":22},"It would be counterproductive to start saving while you’re still making monthly debt payments, so it’s wise to focus on any interest you owe on debts that could outweigh the interest you generate from your savings.",{"type":18,"content":972},[973],{"text":974,"type":22},"Similarly, making overpayments on your mortgage should allow you to pay it off sooner. Just be sure to check with your mortgage broker that you won’t incur any penalty charges for early repayments. If you’re able to pay off or down your debts by a significant amount, you should free up room in your budget that can help you make ends meet during retirement.",{"type":814,"attrs":976,"content":977},{"level":893},[978],{"text":979,"type":22},"5. Set a savings goal",{"type":18,"content":981},[982],{"text":983,"type":22},"There are several “rules” or guidelines that help many people retire early - though none are guaranteed to help you achieve your goals.",{"type":18,"content":985},[986],{"text":987,"type":22},"For example, the “Rule of 25” is a recommendation that you should have 25 times your annual expenses saved up. You’ll have a rough idea of this number since you’ve already done the math on the type of retirement you want - that is, your post-retirement expenses. ",{"type":18,"content":989},[990],{"text":991,"type":22},"Additionally, you may want to consider investing that money so that it (hopefully) generates returns that outpace inflation.",{"type":18,"content":993},[994],{"text":995,"type":22},"Another strategy for saving is the “4% rule.”",{"type":18,"content":997},[998],{"text":999,"type":22},"The “4% rule \" applies to investments. Developed in the 1990s, this rule advises drawing out around 4% of your invested savings in your first year of retirement, after which you can draw 4% each year once inflation has been adjusted. Ideally, this should help you control your spending and keep it aligned with the growth of your investments.   ",{"type":18,"content":1001},[1002,1004,1016],{"text":1003,"type":22},"Depending on how much you need to save, you may need to rein in your spending in the lead-up to retirement. If you can cut costs on non-essentials now, you’ll likely be in a better position to stay on track and meet your savings target. Our ",{"text":1005,"type":22,"marks":1006},"free savings calculator",[1007],{"type":31,"attrs":1008},{"href":1009,"uuid":1010,"anchor":34,"target":35,"linktype":74,"story":1011},"/discover/banking/savings-calculator","2f4c7238-a8c3-498c-a023-4133daf7912a",{"name":1012,"id":1013,"uuid":1010,"slug":1014,"url":1015,"full_slug":1015,"_stopResolving":558},"Savings Calculator",381472377,"savings-calculator","discover/banking/savings-calculator",{"text":1017,"type":22}," can help you work out how to reach your goal.",{"type":814,"attrs":1019,"content":1020},{"level":893},[1021],{"text":1022,"type":22},"6. Invest sensibly, with growth in mind",{"type":18,"content":1024},[1025],{"text":1026,"type":22},"Your savings should be treated with care, and with risk in mind. But keep in mind that if you’re looking to retire early, you may have less time to grow your wealth, so you’ll want to carefully weigh potential risks with potential rewards or higher returns from your investments. ",{"type":18,"content":1028},[1029,1031,1043],{"text":1030,"type":22},"With that in mind, a ",{"text":1032,"type":22,"marks":1033},"balanced portfolio",[1034],{"type":31,"attrs":1035},{"href":1036,"uuid":1037,"anchor":34,"target":35,"linktype":74,"story":1038},"/discover/investing/how-to-make-an-investment-plan-that-works-for-you","bc475ad4-e8c9-4101-a3bb-69a04b0c79ef",{"name":1039,"id":1040,"uuid":1037,"slug":1041,"url":1042,"full_slug":1042,"_stopResolving":558},"How to make an investment plan that works for you",381761698,"how-to-make-an-investment-plan-that-works-for-you","discover/investing/how-to-make-an-investment-plan-that-works-for-you",{"text":1044,"type":22}," that is crafted with long-term growth as the goal is typically the best way to sustain your retirement savings by balancing risk and reward. ",{"type":18,"content":1046},[1047],{"text":1048,"type":22},"Financial advisors, like those you can find with Unbiased, will help you to curate a portfolio that best suits your risk appetite and your retirement timelines so that you are optimizing your retirement fund.  ",{"type":18,"content":1050},[1051],{"text":1052,"type":22},"Of course, as you approach your planned retirement date, you’ll want to switch some of those investments into less risky areas. But keep in mind that you could be retired for a long time, so maintaining a healthy portfolio is essential.  ",{"type":814,"attrs":1054,"content":1055},{"level":816},[1056],{"text":1057,"type":22},"Get expert financial advice ",{"type":18,"content":1059},[1060],{"text":1061,"type":22},"Planning for retirement is a long, important process. ",{"type":18,"content":1063},[1064],{"text":1065,"type":22},"With the help of a financial advisor, you can put yourself in the best possible position to retire on your terms. ",{"type":18,"content":1067},[1068,1070,1075],{"text":1069,"type":22},"Unbiased can help you match with an advisor best suited to meet your needs. ",{"text":1071,"type":22,"marks":1072},"Get started now",[1073],{"type":31,"attrs":1074},{"href":799,"uuid":34,"anchor":34,"target":35,"linktype":36},{"text":1076,"type":22},".","article-rich-text",[1079],{"_uid":1080,"image":1081,"title":1086,"subtitle":1098,"component":1099,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1082,"alt":12,"name":12,"focus":12,"title":1083,"source":12,"filename":1084,"copyright":12,"fieldtype":804,"meta_data":1085,"is_private":12,"is_external_url":543},13998936,"A young girl holding a mobile phone with an old lady sitting nearby looking at the phone.","https://a.storyblok.com/f/185166/900x450/dee7da14e5/steps-to-retirement.webp",{},{"type":15,"content":1087},[1088],{"type":18,"content":1089},[1090,1092],{"text":1091,"type":22},"Six steps to ",{"text":1093,"type":22,"marks":1094},"retire early",[1095],{"type":25,"attrs":1096},{"class":1097},"primary-gradient","Early retirement is a realistic goal for many, but can take a significant amount of financial planning to execute. Learn the key steps to getting there.  ","app-hero",{"name":1101,"created_at":1102,"published_at":1103,"updated_at":1104,"id":1105,"uuid":1106,"content":1107,"slug":1118,"full_slug":1119,"sort_by_date":34,"position":1120,"tag_list":1121,"is_startpage":543,"parent_id":1122,"meta_data":34,"group_id":1123,"first_published_at":1124,"release_id":34,"lang":730,"path":34,"alternates":1125,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Sam Becker","2025-01-10T11:51:14.455Z","2025-01-30T14:52:03.039Z","2025-01-30T14:52:03.057Z",607154682,"09bb7221-6f0c-4658-b848-7e36ebcd0bad",{"job":1108,"_uid":1109,"name":1101,"image":1110,"component":1114,"education":1115,"expertise":1116,"description":1117},"Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1111,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1112,"copyright":12,"fieldtype":804,"meta_data":1113,"is_external_url":543},19801714,"https://a.storyblok.com/f/185166/718x589/9ca4a8253d/sam-becker.png",{},"article-author","Washington State University, BA in Broadcast Journalism","Sam's work has appeared in Fortune, CNBC, Fast Company, Seattle Business Magazine and more.\nHe co-founded Overcast Merch in 2010, which is now a multi-million dollar operation in Southern California. ","Sam Becker is a freelance writer and journalist based near New York City. He is a native of the Pacific Northwest and a graduate of Washington State University. He has worked as a business and finance journalist and writer for more than a decade, working with media publications, brands, and experts in the field","sam-becker","authors/sam-becker",-30,[],224651374,"b6843cc0-0c6f-4c2c-9be0-fa917cc6d63e","2025-01-10T11:52:17.156Z",[],[1127],{"_uid":1128,"body":1129,"title":1142,"component":1143},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1130,1134,1138],{"_uid":1131,"href":1132,"text":1133,"component":542,"openInNewWindow":543},"6dcefa4e-0977-42b5-9e59-fb9fa3dd12b3","https://www.unbiased.com/discover/retirement-investing/what-sort-of-retirement-lifestyle-do-you-want","What retirement lifestyle do you want? ",{"_uid":1135,"href":1136,"text":1137,"component":542,"openInNewWindow":543},"adaf735a-eb7d-4a58-b7fe-36ba94380d92","https://www.unbiased.com/discover/retirement-investing/where-should-i-retire-the-best-and-worst-states-revealed","Best and worst states to retire",{"_uid":1139,"href":1140,"text":1141,"component":542,"openInNewWindow":543},"1b8326bc-d655-43a7-b074-46b7ffda99ad","https://www.unbiased.com/discover/retirement-investing/retirement-planning-for-singles-how-much-do-you-need","Retirement planning for singles","Related articles","app-links-list",{"_uid":1145,"title":1146,"plugin":1147,"og_image":12,"og_title":12,"description":1148,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"e0ade224-478c-417b-af5c-f5e5dadad6e2","6 steps to retire early","seo_metatags","With a retirement age sitting around the late sixties for US citizens, a shared ambition of millions is early retirement. If you can do the math, and remain dedicated to the cause, that goal is well within reach. Find out more in our guide to retiring early.  ","app-article",[],[1152,1153],"2e2a39e5-4f86-4f45-8ad7-3d257c361ad2","ea6ad2e3-d012-4241-ba06-76f8281f34c0","While early retirement may seem out of reach for many people, it's entirely possible with proper planning and a game plan. However, many things need to be considered, and it can feel overwhelming. As such, it may be helpful to follow a six-step game plan to try to retire early.",[],"six-steps-to-retire-early","discover/retirement/six-steps-to-retire-early",1410,[],365223437,"0296f9e0-638f-4433-ae89-445b19fe2ede","2023-02-20T14:19:30.015Z",[],{"left":727,"top":727,"width":1165,"height":1165,"rotate":727,"vFlip":543,"hFlip":543,"body":1166},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1168,1171,1172],{"title":1169,"exact":558,"href":1170},"Home","https://www.unbiased.com",{"title":161,"exact":558,"to":174,"disabled":543},{"title":750,"exact":558,"to":1173,"disabled":558},"/discover/retirement/six-steps-to-retire-early",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1175},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1776157625180]