FAQ – Early retirement: myth vs reality
Early retirement: myth vs reality
The idea of early retirement sounds wonderful. More freedom, more time, less stress. But what does it really look like in practice?
For some, it’s entirely achievable. With the right savings, careful planning, and a clear understanding of what lifestyle you want, early retirement can be realistic. But for others, it’s a little more complicated.
The biggest myth is that you simply need a large pot of money. In reality, early retirement is about cash flow. It’s about making sure your income lasts, even when you might live twenty or thirty more years without a salary.
You also have to think about access. Many pension schemes restrict withdrawals before fifty-five or fifty-seven. That means your plan has to bridge those early years with other savings or investments.
There’s also the psychological side. Some people underestimate how much purpose their work gives them, and how different life feels when that structure disappears.
The reality is that early retirement can be a great goal, but it needs a clear strategy and honest expectations. We build models that show not just if you can retire early, but whether you’ll stay comfortable in the years that follow.
If you’ve ever wondered whether early retirement is possible for you, I can help you test the numbers and assess the lifestyle so you can make that decision with confidence.