[Retire Early]

The online magazine for people who used to work for a living.

November/December 2014 ...................................................................................... Volume 19, Number 6

Chronological Index - - - - - - - - - - - - - - - - - - - - - - - The Traditional Hocomania Forum - - - - - - - - - - - - - - - - - - - - - - - Legal Disclaimer

Tired of commuting? Fed up with a nitwit boss? Bored with your job? Have you come to the conclusion that all this talk of empowerment is idiocy? Does Dilbert ring true? Are you, in the words of civil rights pioneer Fannie Lou Hamer, just plain "sick and tired of being sick and tired"? There's a solution. Start doin' what you want to do. Get control of your life, become financially independent, and Retire Early .

The Retire Early Home Page is one of the Web's first totally spam and scam free sites devoted to saving and investing for retirement. You need to be careful. It's easy to lose money even when dealing with an impressively credentialed, fully licensed financial professional. The investment world is a lot like political campaign financing -- the real scandal is what's legal. Just as the lady at K-Mart is unlikely to tell you that an item is cheaper at Wal-Mart, the man at Paine-Webber won't tell you you can save at Vanguard -- or completely eliminate fees and commissions by opening a Treasury Direct account. Retire Early shows you how to look out for your interests and make sure nobody yanks the yolk right out of your retirement nest egg.

[Retire Early]

Invest with DFA Funds, 12-Step Program

Oil Field Career Advice - JCMConsult.net

Bogleheads
(Site devoted to Vanguard Funds and Jack Bogle)
Discussion Board
A hocus-free forum.
Click here.
Bill Sholar's
FireCalc
Retirement Withdrawal Calculator

Click here.

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New and timely this month:


[check mark] Why I'm Not Worried About Obamacare Premium Increases.
A few tips on how to maximize your Obamacare refundable tax credit.
[check mark] Is there a "Retire Early" personality type?
Some interesting results from a survey we did on the Motley Fool message board.
[check mark] The 4% Withdrawal in Bad Times
Retire Early looks at the 4% withdrawal rate and some things you can do to reduce volatility. (Note: This is the study mentioned in Scott Burns' columns of Nov. 4, 2001 and Feb. 26, 2002.)
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[check mark] The Retire Early Study on Safe Withdrawal Rates.
A brief summary of the research that first appeared on the Retire Early web site in 1998.
[check mark] How much can you safely withdraw from your retirement portfolio? (2nd Edition)
Just published -- an update to the popular retirement report that first appeared on Soapbox.com last year.
[check mark]Can I withdraw money from my IRA before age 59 1/2?
More and more people are interested in the 72(t) exception. Read the details and use Retire Early's online withdrawal calculator.
[check mark] The Retire Early Book Shelf
Several readers have asked for a list of the best books on retirement. Here's what I've found useful.
[check mark] Download Free software
Retire Early has developed a variety of financial planning software programs. Click here to check out the list and download what you need.

Here's a menu listing to quickly get you to what you want to know:
[Retire Early]

Oil Field Career Advice - JCMConsult.net

[check mark] Top 10 reasons to Retire Early.
Folks have all kinds of reasons to retire early. Is yours on the list?
[question mark] Retire Early's Kareer Korner.
Experts agree. Working in most big companies (and many smaller companies) basically blows. Links for the beleaguered.
[check mark] How do I Retire Early?
(1) Manage expenses, (2) accumulate capital, (3) invest wisely by minimizing fees and commissions.
[check mark] Fees, commissions, and financial advisors.
How much should you be paying in fees ? How should you choose a financial advisor ?
[check mark] Retire Early's IRA Toolkit.
A collection of research and spreadsheets for managing your IRA. Includes the popular JavaScript IRA Withdrawal Calculator.
[check mark] Millennium Edition -- The Generation-X Retirement Planner
This spreadsheet allows you to calculate how much money you'll need to Retire Early. (Assumes no Social Security or company pension benefits.)
[check mark] Health Insurance and Early Retirement
Health insurance is a big obstacle to early retirement for many people. Here are a few resources to help you navigate the swamp.
[check mark] Early Retirement Plan Failures.
Studying some of the mistakes people make can sharpen your own retirement plan. Passion Saving author Rob Bennett is the poster boy for bad retirement planning.
[check mark] Social Security and Early Retirement.
How will retiring early reduce my Social Security benefit? Probably not as much as you think.
[check mark] Resume of John P. Greaney, P.E.
Several readers have asked what I did before Retire Early. Here's the details.
[check mark] Safe Withdrawal Rates in Retirement.
How long will my money last? A collection of research and calculators designed to help you answer that questiion.
[check mark] Can you come speak to our group?
John Greaney, the creator of Retire Early , is available for a limited number of speaking engagements each year.

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