早期退職は人気のある経済的目標になっています。そしてそうあるべきです。
早く引退したことがなくても、できることを知っているだけで解放されます！
そして、それはあなたが人生でさらに大きな挑戦に挑戦するためにあなたを解放する戦略かもしれません。
これは、持っていないポイントに達したときに発生する可能性があります 生計を立てるために働くこと。
人々が引退したいと思う年齢はさまざまですが、ほとんどの人にとって、それはおそらくできるだけ早く！ しかし、多くの人にとって実行可能な目標であるため、50歳で引退する方法に焦点を当てましょう。
どうすればそれを実現できますか？
現在25歳の場合は、すぐにと同じように、今すぐ50歳で引退するために貯蓄を開始する必要があります。ポイントを証明する最良の方法は、いくつかの例を使用することです。
貯蓄を延期してさらに5年間（30歳のときに）50歳で引退することにし、年間10,000ドルの貯蓄を開始し、平均年間収益率7％で投資した場合、50歳になるまでに425,341ドルになります。
しかし、代わりに、今すぐ貯蓄を開始することにした場合、再び年間10,000ドル、平均年率7％で投資すると、50歳になるまでに656,227ドルの貯蓄が得られます。
これは、5年早く節約と投資を開始するためだけに、23万ドル以上の差があります。
年収の10％または15％を節約するだけで、引退できるというのが一般的な信念です。そして、55歳または60歳で引退し、35年または40年の貯蓄と投資を計画している場合は、それが当てはまる可能性があります。
しかし、50歳で引退することを真剣に考えている場合は、他の誰よりも多くを節約する必要があります。それはあなたの収入の20％、あるいはおそらく25％あるいは30％を節約することを意味するかもしれません。 25歳または30歳をはるかに超えている場合、50歳で引退することを希望する場合は、収入の40％から50％を節約する必要があります。
しかし、さらに大きな昇給で昇給や昇進を得るたびに、余分なお金を使う代わりに、それを貯蓄にコミットします。数年間の着実な昇給の後、貯蓄率を30％以上に増やすことができるはずです。
収入のこのような大きな割合を節約することは、2つの非常に重要な目標を達成します。
あなたが実際に引退するとき、その2番目のポイントは本当に重要になります。生活に必要なお金が少なければ少ないほど、より早く、より効果的に引退することができます。
譲渡性預金などの有利子資産に投資しても、50歳で引退することはできないと言う必要はないでしょう。年間1％以下の金利では、それを削減することはできません。
あなたは株式に投資する必要があります、そしてそれはあなたのお金の大部分が常に投資される必要があるところです。株式市場は過去90年間で平均9％から11％の収益を上げており、50歳で引退したい場合は、このような成長を利用する必要があります。
お金による広告。このad.Adをクリックすると、報酬が支払われる場合があります。
人生は予測不可能です。退職後の計画はあってはなりません。独立系金融専門家に連絡して、退職後の目標を達成するために順調に進んでいるかどうかを確認してください。開始するには、州をクリックしてください。 Get Started Since you’re probably well under 50 now, you can afford to keep 80% to 90% of your savings invested in stocks. That’s the best way to get the kind of return on your investments that you’ll need to build the kind of portfolio you’ll need to make early retirement a reality.
All the rewards of aggressive investing come with some risk, so you want to make sure you invest with a solid platform. Here are my top picks for all of you bold investors itching for early retirement:
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Taxes are one of the under-estimated obstacles of early retirement planning. Not only do they reduce the income you have available for savings, but they also take a chunk out of your investment returns.
For example, if you earn 10% on your investments, but you’re in the 30% tax bracket, your net return is only 7%. That will slow your capital accumulation.
But there is a way around that problem, at least partially. You should maximize your tax-sheltered retirement contributions.
Not only will that reduce your taxable income from your job, but it will also shelter the investment earnings in your investment portfolio so that a 10% return will actually be a 10% return.
If your employer offers a 401(k) plan, you should make the maximum contribution you’re allowed to. That would be up to $18,000 per year. If your employer offers a matching contribution, that’s even better.
You should also plan to make contributions to a traditional IRA, even if those contributions won’t be tax deductible due to income limitations. The investment earnings in the account will still accumulate on a tax-deferred basis, and that’s what you want to happen.
Now there is a basic problem with retirement savings, at least in regard to early retirement. If you begin taking withdrawals from your retirement accounts before you reach age 59 ½ you will not only be subject to income taxes on the withdrawals but also the 10% early withdrawal penalty as well.
But there’s a way around that dilemma – it’s the Roth IRA.
You don’t have to contribute to a Roth IRA every year in order to get the benefits of the Roth IRA. You can set it up by doing a Roth conversion from other retirement accounts, such as a 401(k) plan and a traditional IRA. (That’s another big reason why you should always max-out your retirement savings, especially if you want to retire at 50).
Roth IRAs enable you to take tax-free withdrawals from the plan once you reach age 59 ½, and have been in the plan for at least five years.
Roth IRAs have a loophole. Contributions to a Roth can be withdrawn free from taxes and the early withdrawal penalty.
After all, since there were no tax savings going in, there’s no tax liability going out. (Taxes and penalties, however, do apply to the earnings from the account, however, the contribution withdrawal rules don’t require a pro-ration between contributions and earnings the way traditional IRA withdrawals do.)
That contribution withdrawal loophole makes the Roth IRA perfect for early retirement. You can make this happen by doing a series of annual Roth IRA conversions from your other retirement accounts.
Are you with me so far?
There is one difference between contribution withdrawals from a regular Roth IRA and a Roth conversion. Since you are not making direct contributions with a Roth conversions, but rather converting balances from other accounts, the IRS has a five-year rule on early withdrawals.
At least five years must pass between the time a balance is converted and it’s withdrawn from the account . If it’s withdrawn sooner, it’s still not subject to ordinary income tax, but it will be subject to the 10% early withdrawal penalty.
You can avoid this by making a series of annual conversions to a Roth IRA, in what is known as a Roth conversion ladder.
Basically, what you do is decide how much money you will need to live on when you retire, and then convert that amount each year for five years.
As long as you stay five years ahead, you will always have a sufficient amount of Roth funds to live on, and you can withdraw them free of both income taxes and penalties.
EXAMPLE: Let’s assume that you need $40,000 per year in order to live on in retirement at age 50. You have several hundred thousand dollars in your 401(k) plan, so five years from now (in 2022), beginning at age 45 you start making annual conversions to your Roth IRA of $40,000. Once you turn 50 (in 2027), you can begin taking those withdrawals from the Roth IRA each year, free from taxes and penalties.
To illustrate, your Roth conversion ladder will look like this:)
| Year | Age | Amount of Roth Conversion | Amount of Roth Withdrawal | Source of Funds Withdrawn |
| 2022 | 39 | 40,000 | 0 | N / A |
| 2023 | 40 | 40,000 | 0 | N / A |
| 2024 | 41 | 40,000 | 0 | N / A |
| 2025 | 42 | 40,000 | 0 | N / A |
| 2026 | 43 | 40,000 | 0 | N / A |
| 2027 | 44 | 40,000 | 40,000 | 2022 Conversion |
| 2028 | 45 | 40,000 | 40,000 | 2023 Conversion |
| 2029 | 46 | 40,000 | 40,000 | 2024 Conversion |
| 2030 | 47 | 40,000 | 40,000 | 2025 Conversion |
| 2031 | 48 | 40,000 | 40,000 | 2026 Conversion |
The Roth conversion ladder will enable you to make early withdrawals from your Roth account until you are 59 ½ and can begin making penalty-free withdrawals for your non-Roth retirement accounts. It will also prevent you from having to draw down non-retirement accounts.
There is one downside to the Roth conversion ladder, which is a problem with all forms of Roth conversions, and that’s that you will have to pay regular income tax on the number of retirement assets converted to a Roth IRA.
But that may be a price worth paying if it means you’ll be able to have a generous early retirement income to go with that early retirement.
One financial habit you’ll have to get into is to live beneath your means. That means that if you earn a dollar after taxes, you’ll have to live on say, 70 cents, and bank the rest.
That’s not an easy pattern to get into if you’ve never done it before, but it’s absolutely necessary. Unless you can master it then early retirement will be nothing more than a pipe dream.
In order to live beneath your means you’ll have to adopt a few strategies:
Any money that isn’t going into living expenses is more money for savings.
A word of warning about debt:it can undo everything you’re trying to accomplish in order to retire at 50. It will do you little good if you reach 50 and have $500,000 saved, but $100,000 in debt of various types (it’s easier to get to that level than you think – just live the TV version of the suburban lifestyle and it’ll happen all by itself!).
Not only does debt weaken your net worth, but it also comes with monthly payments. And you’ll need as few of those as possible if you’re going to retire at 50. Better yet, the goal should be to be debt-free entirely. Debt not only raises the cost of living in retirement, but it will reduce the amount of income you’ll have to dedicate to savings between now and then.
Being debt-free should include your mortgage if you own your own home or plan to. Your early retirement plan should include a sub-plan to pay off your mortgage in time for your retirement date.
As you can see, if you really want to retire at 50 you’ll have to adopt a multi-strategy plan to make it happen. It’s mostly about saving a lot of money and investing it well, but there are a lot of factors that will make that challenge more doable.
Make a plan now, and then stick to it religiously, and you’ll be able to retire at 50 – or any other age you choose.
