How shall I finance my retirement? I will need *loads* of Cash, Gold, Insurance or Credit! I need my Hummer, the BMW X3 for the wife, my penthouse for the mistress, the Wanker’s Club Membership and my Arian German Sheppard!
Poor you – because if you’re really thinking of retiring early in your life – the question shouldn’t be: “How much do I need?”.
Better ask yourself: “How little do I need to retire now?”. You would be surprised, what answers you’ll find out. You can even retire in your early 30’s, with a little bit of planning early on and just some kind of discipline.
Do you know that owning a house for yourself and several cars on loans is not a sign of financial strength and wealth, but merely a sign of character weakness, dependence tendencies and bar ego extension (not that you have to be a guy for that one).
Basically you are in bed with the banks every day; tightly tied up. But seriously – it’s only you who get f*cked hard until unconsciousness!
The globalised economies in the US, Europe, Australia and other developed countries these days are built around the so-called “Rat Race“. You are held to work constantly and consume & purchase endlessly – and pay for it. With your life.
You basically will buy your whole life stupid things you’d never need, but clever marketing of Multinational Companies tells you to do so. Flat Screen TV’s (what’s wrong with the trusted old ones?), “Body-Workout Machines” to trim your fatty tummy, Gaming Consoles, >USD 200-Branded Jeans, Clown Dresses and other Show-Off-Costumes, Dog&Cat-Trainers, Super-Hyper-Multi-Kitchen-Gadgets, Monster-Gas-Guzzling-Cars, Double-Decker-1.000-sqm-Houses, Mountains of Jewelries for your loved ones and “soon-to-be-ex-loved-ones”. You will need to work more and harder to pay for all that stuff. Divorce rates hover constantly above 50% in those countries, you will pay for your divorce as well – with your money, soul and heart blood. Everyone will suck you dry, until dust and debt is everything what’s left. Are you happy to live like that?
On top of that you spend already USD 5 for a coffee several times a day at obscure experience restaurants named “Star*ucks“, “Coffee Boobs” or “Spineless“. Isn’t that crazy?
Don’t bet on your government to fix this b*llsh*t cycle any time soon within the next 150 years or so. In the times of sky-high defence budgets and exploding taxes – they are not on your side. They even want you to work more and longer!
The Caribbean, Latin and South America, South-East Asia or other low-cost regions are waiting for you! Better weather, pristine beaches, less pollution and a way slower pace of life will do a great deal for your health and your quality of life.
Can you still remember how it feels to get out of your bed in middle of the day, just only when your body – not your alarm – tells you to wake up?
You can live in low-cost countries like a King, from what you have right now and what interest, rent, dividends or other income streams you would earn in the future. You can even save on your Healthcare Bills; by simply getting treatment elsewhere – not in your overpriced home country.
Did you know, that you can
buy a pair of jeans everywhere in the world for less than USD 15? (If you really need one in constant 100 F-Degrees weather).
drink a coffee for less than USD 1?
have a meal (I don’t talk fast food here) for 2-3 Dollar?
rent a (western-standard) house for 200 Dollar a month or less?
- fill-up the tank of your bike for less than 4 Dollar a week?
So, what are you waiting for?
Assess your situation, downshift now, sell all your useless sh*t to someone more stupid, invest in active income streams, find out where you want to stay, go travel and leave the other working drones and your cubicle behind!
Your Life is what you make it!
Easy like that? No? Yes!
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