10 Proven Early Retirement Strategies That Actually Work in 2025

My experience shows that early retirement success isn’t about luck – it’s about smart planning. Most Americans spend 20 years in retirement.

 Want to retire decades before you turn 65? You’re not alone. The FIRE (Financial Independence, Retire Early) movement has caught millennials and Gen X’s attention. Early retirement strategies have evolved from distant dreams to achievable goals.

My experience shows that early retirement success isn’t about luck – it’s about smart planning. Most Americans spend 20 years in retirement. Early retirees need much more savings – usually 25 to 30 times their annual expenses. Traditional advice like saving 15% of your income or using the 4% withdrawal rule doesn’t work well when you want to retire early.

Let me tell you something as a financial advisor. Early retirement needs a whole new way of thinking about money. You must save at least 50% of your income. You need to understand tax strategies and plan your healthcare costs carefully. Here’s the exciting part – I’ve created 10 proven strategies that could help you leave the 9-to-5 grind earlier than you expect.

Create Your Early Retirement Financial Blueprint

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“The best time to start thinking about your retirement is before the boss does.” — Unknown, Anonymous quote widely attributed

A solid financial blueprint starts with knowing what you’ll need in retirement. Recent studies show Americans believe they’ll need between USD 1.27 million to USD 1.70 million to retire comfortably ^[1]. All the same, these figures change based on each person’s situation.

Setting Your Magic Number

Rather than chase random figures, you should calculate your personal “enough is enough” number. Multiply your annual expenses by 33 if you plan to retire before age 62 ^[2]. Then add inflation – which averages about 3% each year ^[3]. If you have high net worth, your target might reach USD 3 million to USD 5 million ^[4].

Timeline Planning

Early retirement needs careful planning. Americans now retire earlier, with some leaving work at age 40 ^[1]. You’ll need enough funds until Social Security kicks in at 62, so a detailed roadmap is vital. Note that taking Social Security at 62 instead of 67 leads to a permanent 30% cut in monthly benefits ^[5].

Risk Assessment and Tolerance

Your risk tolerance has two main parts: how willing you are to take risks and your ability to handle them ^[6]. My clients always “stress test” their retirement plans with different scenarios. It helps to overestimate future expenses to protect against surprises ^[1]. You should know that all but one of these Americans turning 65 today will just need long-term care ^[7].

Lifestyle Design Considerations

Your retirement lifestyle will shape your financial needs. About 55% of retirees aged 60 and older found their expenses stayed the same in retirement ^[4]. Healthcare costs rise 4.6% yearly for seniors ^[3]. As you plan your lifestyle, look at where you’ll live – states like Florida, Texas, and Arizona have the most expensive healthcare ^[4].

Note that early retirement planning isn’t just about money – while 74% of people plan financially, only 35% get ready emotionally ^[8]. Include both financial and lifestyle elements in your blueprint to achieve a rewarding retirement.

Maximize Tax-Advantaged Investment Vehicles

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Tax-advantaged investment accounts can speed up your path to early retirement. I found that there was several ways to get the most from these accounts while keeping your taxes low.

401(k) and IRA Optimization

You need to understand the unique benefits of retirement accounts to optimize them properly. To cite an instance, traditional IRAs and 401(k)s give you tax breaks right away, while Roth accounts let you withdraw money tax-free in retirement. The good news is that once you reach 65, you can use these funds for non-medical expenses without penalties, though you’ll still pay regular income tax ^[3].

HSA Investment Strategies

Health Savings Accounts (HSAs) give you amazing triple tax advantages. You can deduct contributions, grow your money tax-free, and withdraw funds tax-free for qualified medical expenses ^[3]. My advice is to use your HSA as a retirement powerhouse. You can maximize yearly contributions and pay current medical bills from other sources ^[3]. A smart move is to invest some of your HSA money in diversified portfolios that can grow over time ^[3].

Backdoor Roth Techniques

The backdoor Roth strategy helps high-income earners who exceed IRS limits to access tax-free growth potential ^[9]. This simple two-step process starts with contributing after-tax dollars to a traditional IRA, followed by converting those funds to a Roth IRA ^[10]. Timing is vital – you must wait five years after each conversion before accessing funds without penalties ^[10].

Tax Loss Harvesting Methods

Tax loss harvesting turns investment losses into tax savings by offsetting capital gains and up to USD 3,000 of ordinary income ^[1]. My experience shows that success depends on three elements: creating losses effectively, turning them into tax savings quickly, and reinvesting those savings wisely ^[1]. Research indicates that factors you can control, such as disciplined reinvestment and harvest frequency, make up 37% of tax-loss harvesting results ^[1].

A Roth conversion ladder can help you access retirement funds before age 59½ without penalties ^[5]. This approach lets you convert portions of your traditional IRA to a Roth each year, creating a systematic way to withdraw money early in retirement ^[5].

Build Multiple Income Streams

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Multiple income streams are the life-blood of successful early retirement planning. My experience with clients shows that broader income sources help build wealth faster and provide better financial security.

Dividend Growth Investing

Dividend investing gives you a reliable path to passive income. High-quality dividend stocks typically yield between 3.5% and 4.5%. You’ll need a portfolio of USD 1.40 million to USD 1.80 million to generate substantial income ^[11]. The best results come from building a portfolio of 20-60 stocks. Keep equal weight positions and limit each sector’s exposure to 25% ^[11].

Real Estate Investment Approaches

Real estate opens up several ways to build retirement income. Rental properties have historically given 7-8% cash flow from property value ^[12]. You can get truly passive income through:

• Real estate syndications with preferred returns and 5-10 year exit strategies ^[13]
• REITs that distribute 90% of taxable profits as dividends ^[6]
• Multifamily properties that provide steady cash flow and tax advantages through depreciation deductions ^[13]

Online Business Opportunities

The digital world offers great ways to generate passive income. Take Rachel Richards’s story – at 28, she made USD 10,000 monthly through several online ventures ^[13]. Her strategy worked through:

• Self-published books that earned USD 8,000 monthly
• Online courses that brought in USD 6,000 monthly
• Affiliate marketing and advertising that added USD 1,000 monthly ^[13]

Royalty Income Strategies

You can earn passive royalty income in many ways. Stock photography websites pay ongoing royalties for image sales ^[7]. Creating and selling online courses has become a popular choice – studies show all but one of these course creators make money from their digital products ^[7].

The best way to succeed with these income streams is simple. Start with one main source, become skilled at it, then expand into other channels gradually. Of course, this needs time upfront, but it builds long-term income that supports your early retirement goals.

Optimize Your Investment Portfolio

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Your success in early retirement depends on becoming skilled at portfolio optimization. My experience with clients shows that a well-laid-out investment approach determines whether you can retire early or need to keep working.

Asset Allocation Strategies

A balanced retirement portfolio has three core components: stocks that provide growth potential, bonds that ensure stability, and cash equivalents that give you liquidity ^[14]. My recommendation for retirees aged 60-69 is a moderate portfolio split of 60% stocks, 35% bonds, and 5% cash investments ^[15]. Retirees between 70-79 should move to 40% stocks, 50% bonds, and 10% cash, and after age 80, they should have 20% stocks, 50% bonds, and 30% cash ^[15].

Risk Management Techniques

Smart risk management requires you to keep one year’s worth of spending cash plus two to four years of living expenses in short-term bonds or certificates of deposit ^[15]. Data from the 1960s through 2021 shows that diversified stock portfolios take about three and a half years to recover in bear markets ^[15]. This buffer helps you avoid selling stocks when markets are down.

Rebalancing Protocols

Your portfolio needs regular attention to maintain optimal asset allocation. My clients rebalance when investments drift 5% or more from their target allocation ^[16]. Two main rebalancing methods work well:

• Selling overperforming assets to buy underperforming ones
• Using new contributions for underweighted assets ^[17]

Studies show that regular rebalancing gives you better chances of meeting aggressive withdrawal needs in retirement ^[8]. Without doubt, rebalancing provides a 56% chance of meeting retirement income goals compared to 52% without it ^[8]. Rebalanced portfolios also leave substantially higher after-tax value to beneficiaries (USD 1,451,562 versus USD 744,682) ^[8].

Master Geographic Arbitrage

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Geographic arbitrage stands out as a smart way to make retirement savings go further. My research shows early retirees can keep their high living standards while cutting down their expenses through this approach.

International Living Options

Many countries blend affordability with great quality of life. Valencia, Spain gives you Mediterranean living that costs less than Biloxi, Mississippi. You’ll find apartments there from USD 900 to USD 1,200 monthly ^[18]. Portugal remains a good choice too. Even with recent tax changes, couples can live well in Lisbon on USD 2,100 to USD 2,200 monthly ^[19].

Domestic Geoarbitrage Opportunities

The United States offers its own version of geoarbitrage. Right now, cities are trying to attract remote workers with money incentives. Tulsa gives USD 10,000 to people who move there ^[20]. You can save big by working for companies in expensive areas while living somewhere cheaper ^[21].

Healthcare Considerations Abroad

Healthcare plays a vital role when planning retirement abroad. France’s healthcare system ranks 20th worldwide in the 2023 Legatum Prosperity Index ^[5]. Thailand gives you quality medical care at just one-third to one-tenth of U.S. costs ^[5]. Spain’s Sistema Nacional de Salud takes care of more than 99% of its population ^[5].

Before you jump into geographic arbitrage, break down these key points:

• Check visa and residency rules for your target country
• Look into local banking and exchange rates
• Know your tax duties – U.S. citizens must file returns no matter where they live ^[22]
• Review health insurance choices since Medicare rarely works abroad ^[22]

Smart planning helps geographic arbitrage cut your living costs while keeping or improving your lifestyle. To name just one example, many places worldwide let you live comfortably on an average Social Security check of USD 1,907 monthly ^[19]. This strategy opens up a practical path to early retirement through smart relocation and cost management.

Implement Smart Tax Planning

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Tax planning is a vital element that can help you achieve financial freedom faster. My clients reach their early retirement goals through careful tax bracket management and smart estate planning.

Tax Bracket Management

The right understanding of tax brackets lets you make smart income adjustments. To cite an instance, single filers who make USD 40,000 annually pay just 7% effective tax rate ^[23]. This compares to 18% on USD 137,450 ^[23]. Long-term capital gains remain tax-free if you have single filing status and withdraw under USD 40,000 each year ^[23].

These steps help you make the most of tax brackets:

• Put the maximum into tax-deferred retirement accounts
• Add money to HSA accounts for triple tax benefits
• Make Roth conversions during years with lower income
• Use tax-loss harvesting up to USD 3,000 against regular income ^[24]

Estate Planning Strategies

Estate planning needs your attention now. The federal estate tax exemption sits at USD 13.99 million ^[3] but will drop to USD 5.00 million by 2026 ^[3]. Spousal Lifetime Access Trusts (SLATs) are a great way to get indirect access to funds through your spouse while moving assets out of taxable estates ^[3].

Medical expense planning opens up unique options. You can pay others’ medical bills or education costs directly to providers without gift tax limits ^[3]. Asset protection trusts, available in 20 states, protect your wealth from creditors while you stay a beneficiary ^[3].

Capital Gains Optimization

Smart capital gains management depends on timing and planning. Married couples who file jointly can earn up to USD 31,700 in long-term capital gains at 0% tax rate with taxable income of USD 65,000 ^[24]. You can keep lower tax brackets by spreading capital gains over multiple years ^[25].

Timing matters most for early retirees. Capital gains can change:

• Your Social Security benefit taxes (up to 85% might become taxable)
• Medicare premium costs through Income-Related Monthly Adjustment Amounts
• Required Minimum Distribution plans starting at age 73 ^[25]

Early retirees can save thousands in taxes each year and build lasting wealth by following these approaches carefully.

Design Your Healthcare Strategy

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Healthcare planning is the life-blood of a successful early retirement strategy. My experience guiding clients through retirement transitions shows that proper healthcare coverage determines if someone can leave the workforce early.

Early Retirement Healthcare Options

People retiring before 65 have several paths to secure health coverage. COBRA lets you continue employer-sponsored insurance for up to 18 months ^[26]. The Health Insurance Marketplace provides various plans with potential premium tax credits based on household size and income ^[26]. Many early retirees choose part-time work just to keep their health benefits ^[27].

Long-term Care Planning

Long-term care needs careful thought since nearly 70% of Americans turning 65 will need such services ^[9]. Care costs keep rising. Medicaid spending will reach USD 160 billion for home-based services and USD 80 billion for institutional care by 2030 ^[9]. Here’s how you can handle these costs:

• Buy long-term care insurance early while premiums cost less
• Look into hybrid policies that combine life insurance with long-term care benefits
• Check out government programs like Medicaid if you meet eligibility requirements

Medical Tourism Considerations

Medical tourism has become a viable option for early retirees. Thailand provides high-quality care at one-third to one-tenth of U.S. prices ^[10]. Dental cleanings in Mexico cost just USD 35, which is much lower than U.S. rates ^[10]. Canada, Singapore, and Costa Rica rank among top choices for medical tourists ^[10].

Early retirees can manage healthcare costs through smart planning. Private hospitals in Mexico and Panama deliver quality care with English-speaking staff and U.S.-trained physicians ^[28]. Local insurance plans are available at reasonable rates. Mexican public insurance costs about USD 300 yearly ^[28]. The median annual out-of-pocket healthcare costs range from USD 1,650 in Panama to USD 5,250 in Mexico ^[28]. These figures show substantial savings compared to U.S. healthcare costs.

Create Sustainable Withdrawal Plans

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A successful early retirement plan needs a well-planned withdrawal strategy. My clients learn to create reliable retirement income streams through detailed analysis of various withdrawal methods.

Safe Withdrawal Rate Calculations

The 4% rule provides a good starting point, but each person needs a custom approach. A USD 800,000 portfolio with a 3% withdrawal rate gives USD 24,000 annually ^[29], which lasts longer than higher rates. Similarly, withdrawing 3.3% from USD 750,000 produces USD 25,000 yearly ^[30]. These small changes show how adjustments affect long-term sustainability.

Bucket Strategy Implementation

The bucket approach splits retirement assets into three timeframes. Cash equivalents fill the first bucket, covering 3-5 years of immediate expenses ^[1]. Conservative investments make up the second bucket for years 6-10 ^[31]. The third bucket holds diversified investments focused on long-term growth ^[32].

Sequence Risk Management

Sequence risk creates a major challenge, especially in early retirement. Studies from the American College of Financial Services show that poor market performance in the original retirement years raises the risk of running out of funds ^[33]. Here’s how to alleviate this risk:

1. Dynamic Withdrawal Strategy
   • Adjust spending based on market conditions
   • Maintain flexibility in withdrawal rates
   • Think over portfolio rebalancing during market fluctuations ^[34]

The bucket strategy works well against sequence risk by avoiding forced asset sales when markets drop ^[35]. Keeping 1-2 years of living expenses in cash, plus 2-4 years in short-term bonds, creates a strong buffer against market swings ^[34]. This method gives growth assets time to recover and preserves the portfolio’s value.

These strategies help early retirees create lasting income streams that can handle market swings and economic uncertainty. Time management matters more than pure performance ^[1], which makes systematic withdrawal planning vital for long-term financial security.

Develop Risk Mitigation Strategies

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A secure early retirement experience starts with protecting yourself from risks. My years of helping clients handle financial uncertainties have taught me several key ways to protect retirement savings from unexpected challenges.

Insurance Planning

The right insurance coverage protects early retirees from financial setbacks. Healthcare coverage is crucial before Medicare eligibility at 65. You can get plans with premium tax credits from the Health Insurance Marketplace based on your household size and income ^[36]. Another option is COBRA, which gives you coverage for up to 18 months after you leave your job ^[36]. Many early retirees work part-time just to keep their health benefits ^[26].

Emergency Fund Management

Your emergency fund acts as your first defense against financial surprises. The usual 3-6 months of expenses won’t cut it for retirees. You should keep 12-18 months of living expenses ready ^[11]. Medical emergencies call for an extra 3-6 months of expenses in your backup fund ^[11]. If you rely heavily on investment income, think about extending your emergency fund to 24 months ^[11].

Market Downturn Protection

Smart planning helps protect your retirement savings from market swings. Keep one year’s worth of spending cash plus 2-4 years of living expenses in short-term bonds or certificates of deposit ^[6]. Most diversified stock portfolios bounce back from bear markets within three and a half years ^[6]. This strategy helps you avoid selling assets when markets are down.

To boost your protection:

• Use investment-grade bonds and dividend-paying stocks to lower portfolio risk ^[6]
• Look into annuities with guaranteed income-protection benefits ^[6]
• Set up time-segmented buckets for different retirement phases ^[6]

These strategies help early retirees protect their savings from various risks. Good insurance coverage, solid emergency reserves, and market protection measures create a strong foundation for lasting financial security.

Build Your Early Retirement Lifestyle

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“Retire from work, but not from life.” — M.K. Soni, Author and motivational speaker

A well-designed lifestyle holds the key to early retirement success. My experience guiding clients through this transition has taught me how proper time management and social connections shape retirement satisfaction.

Time Management in Retirement

Time management in retirement is different from work-life scheduling. Weekly or monthly timelines work better than rigid daily schedules for organizing activities ^[13]. Your natural rhythm – whether you’re a morning person or night owl – helps optimize daily activities ^[13]. Life in retirement feels more balanced when you alternate structured periods with free time, similar to the school-vacation cycle ^[13].

Social Connection Planning

Strong social bonds make a huge difference in retirement well-being. Research shows that people who maintain strong social ties cut their risk of depression, cognitive decline, and heart disease by about 50% ^[37]. Here’s how you can nurture these connections:

• Schedule regular interactions through calls, emails, or social media
• Join community centers offering senior-focused programs
• Take part in local events and cultural activities
• A pet could bring both companionship and social interactions ^[38]

Purpose-Driven Activities

Life needs meaning beyond leisure to make retirement satisfying. Studies show that retirees who feel a strong sense of purpose display better cognitive functioning and live longer ^[39]. Many retirees find fulfillment through:

• Taking care of grandchildren
• Running errands for higher-risk neighbors
• Being there emotionally for family and friends ^[39]

Volunteer work opens another path to purpose. Food pantry volunteering lets you use online systems to schedule flexibly, so you can commit based on your priorities ^[40]. Learning new things keeps retirement interesting – art classes, new languages, or photography skills can spark fresh interests ^[39].

Your schedule should stay flexible ^[13]. You don’t need every minute planned out – this mindset helps reduce pressure while you achieve goals at your own pace. Smart planning and regular social connections turn early retirement into a chance for personal growth and meaningful relationships.

Comparative Analysis

Strategy	Key Components	Financial Requirements	Timeline Considerations	Main Benefits
Create Financial Blueprint	Risk assessment, lifestyle design, timeline planning	$1.27M-$1.70M average; $3M-$5M for high-net-worth	Plan until age 62 for Social Security eligibility	Clear roadmap shows retirement needs
Maximize Tax-Advantaged Vehicles	401(k), IRA, HSA, backdoor Roth	Up to $3,000 tax loss harvesting yearly	5-year waiting period for Roth conversions	Triple tax advantages for HSAs; tax-free growth
Build Multiple Income Streams	Dividend investing, real estate, online business, royalties	$1.4M-$1.8M for dividend portfolio	5-10 year exit strategies for real estate syndications	Different income sources lower risk
Optimize Investment Portfolio	Stocks, bonds, cash equivalents	1 year cash + 2-4 years expenses in bonds	3.5 years average recovery time in bear markets	Regular rebalancing improves success rates
Learn Geographic Arbitrage	International living, domestic relocation, healthcare planning	$2,100-$2,200 monthly for couple in Lisbon	You can start right away	Lower costs while keeping quality of life
Smart Tax Planning	Tax bracket management, estate planning, capital gains optimization	$13.99M estate tax exemption (2025)	Changes to $5M exemption by 2026	Tax-free capital gains possible up to set limits
Design Healthcare Strategy	Insurance coverage, long-term care planning, medical tourism	$160B projected Medicaid spending by 2030	Coverage needed until Medicare at 65	Big savings through international healthcare
Create Sustainable Withdrawal Plans	Bucket strategy, sequence risk management	$750,000 yields $25,000 yearly at 3.3% withdrawal	3-5 years cash in first bucket	Guards against market swings
Develop Risk Protection	Insurance planning, emergency fund, market protection	12-18 months living expenses in emergency fund	24 months reserve for investment-dependent retirees	Protection from unexpected money problems
Build Retirement Lifestyle	Time management, social connections, purpose-driven activities	Not mentioned	Weekly/monthly scheduling recommended	Health risks drop 50% through social connections

Final Assessment

Early retirement just needs more than wishful thinking – it requires strategic planning and disciplined execution. I have guided countless clients toward financial independence, and these 10 strategies work when implemented properly.

Smart financial moves like tax-advantaged investing, geographic arbitrage, and multiple income streams make early retirement achievable instead of an impossible dream. Building a substantial nest egg is vital, but lifestyle design and risk management are equally important.

My clients consistently reach their early retirement goals through careful portfolio optimization and withdrawal planning. A solid healthcare strategy, especially when you have pre-Medicare eligibility, protects against one of retirement’s biggest financial risks.

Of course, the path to early retirement looks different for everyone. My role as a financial advisor focuses on helping clients create customized blueprints that match their unique circumstances. Success comes from balancing aggressive savings while maintaining quality of life today.

These strategies provide a proven framework to break free from traditional retirement timelines. You can start by implementing one or two approaches that line up with your current situation. Note that early retirement is an experience rather than a destination – each step brings you closer to financial independence.

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FAQs

Q1. What is the recommended savings target for early retirement? While individual needs vary, experts suggest aiming for 25 to 30 times your annual expenses. For many, this translates to $1.27 million to $1.70 million, though high-net-worth individuals may need $3 million to $5 million for a comfortable early retirement.

Q2. How can I maximize tax-advantaged investment vehicles for early retirement? Optimize your 401(k) and IRA contributions, utilize Health Savings Accounts (HSAs) for triple tax advantages, consider backdoor Roth IRA techniques if you exceed income limits, and implement tax loss harvesting strategies to offset capital gains and up to $3,000 of ordinary income annually.

Q3. What are some effective strategies for building multiple income streams? Focus on dividend growth investing, explore real estate investments like rental properties or REITs, consider online business opportunities such as self-publishing or creating digital courses, and look into royalty income from stock photography or other creative works.

Q4. How can geographic arbitrage help in achieving early retirement? Geographic arbitrage involves relocating to areas with lower living costs while maintaining or increasing your income. This can include moving to more affordable countries like Spain or Portugal, or even relocating domestically to cities offering incentives for remote workers. This strategy can significantly reduce expenses and stretch your retirement savings.

Q5. What are some key considerations for healthcare planning in early retirement? Before Medicare eligibility at 65, explore options like COBRA, Health Insurance Marketplace plans, or part-time work for benefits. Consider long-term care insurance and explore medical tourism for potential cost savings. Additionally, maintain a robust emergency fund to cover unexpected medical expenses.

References

[1] – https://www.capitalgroup.com/advisor/practicelab/articles/bucket-strategy-retirement-income.html
[2] – https://www.fidelity.com/learning-center/personal-finance/how-to-retire-early
[3] – https://www.kiplinger.com/retirement/smart-estate-planning-moves
[4] – https://www.nationwide.com/financial-professionals/blog/planning-guidance/articles/5-steps-for-planning-an-early-retirement
[5] – https://money.usnews.com/money/retirement/aging/articles/retirement-destinations-overseas-with-excellent-health-care
[6] – https://www.morganstanley.com/articles/protect-retirement-investments-volatile-stock-market
[7] – https://www.getresponse.com/blog/how-to-earn-passive-income
[8] – https://www.colvaservices.com/portfolio-rebalancing-how-it-shapes-retirement-success-for-aggressive-and-conservative-withdrawals/
[9] – https://www.govexec.com/pay-benefits/2024/09/13-things-know-about-long-term-care-planning/399482/
[10] – https://www.magazine.medicaltourism.com/article/medical-tourism-healthcare-solution-to-senior-care
[11] – https://finance.yahoo.com/news/much-retirees-keep-emergency-fund-130123665.html
[12] – https://www.oneupfinancial.com/post/7-passive-income-ideas-to-boost-your-retirement
[13] – https://agebrilliantly.org/8-tips-for-managing-time-in-retirement/
[14] – https://firstbusiness.bank/resource-center/best-asset-allocation-strategies-in-retirement/
[15] – https://www.schwab.com/retirement-portfolio
[16] – https://money.usnews.com/money/retirement/401ks/articles/how-to-rebalance-your-portfolio-after-retirement
[17] – https://retireby40.org/early-retirement-investing-rebalance-portfolio/
[18] – https://globalintelligenceletter.com/geo-arbitrage-a-simple-strategy-for-a-high-quality-retirement/
[19] – https://money.usnews.com/money/retirement/articles/places-to-retire-abroad-on-social-security-alone
[20] – https://frayedpassport.com/the-ultimate-guide-to-geoarbitrage-work-where-you-want-save-more-money-semi-retire-travel-the-world/
[21] – https://smartasset.com/financial-advisor/geographic-arbitrage
[22] – https://travel.state.gov/content/travel/en/international-travel/while-abroad/retirement-abroad.html
[23] – https://moneywithkatie.com/blog/tax-optimization-for-early-retirement
[24] – https://www.schwab.com/learn/story/using-tax-brackets-to-manage-your-taxable-income
[25] – https://www.kiplinger.com/taxes/capital-gains-in-retirement
[26] – https://www.anthem.com/individual-and-family/insurance-basics/health-insurance/early-retirement-health-insurance
[27] – https://www.empower.com/the-currency/life/health-insurance-early-retirees
[28] – https://pmc.ncbi.nlm.nih.gov/articles/PMC3817306/
[29] – https://www.investopedia.com/terms/s/safe-withdrawal-rate-swr-method.asp
[30] – https://www.bankrate.com/retirement/using-safe-withdrawal-rate-method/
[31] – https://www.schwab.com/learn/story/phasing-retirement-with-bucket-drawdown-strategy
[32] – https://www.morningstar.com/portfolios/bucket-approach-building-retirement-portfolio
[33] – https://www.kiplinger.com/retirement/sequence-of-return-risk-how-retirees-can-protect-themselves
[34] – https://www.dplfp.com/article/4-approaches-managing-sequence-returns-risk-retirement
[35] – https://www.usbank.com/retirement-planning/financial-perspectives/sequence-of-returns-risk-impact-when-to-retire.html
[36] – https://www.healthcare.gov/retirees/
[37] – https://www.bankerslife.com/insights/healthy-aging/7-ways-to-stay-connected-in-retirement/
[38] – https://mcpress.mayoclinic.org/healthy-aging/a-surprising-key-to-healthy-aging-strong-social-connections/
[39] – https://www.kiplinger.com/retirement/ways-to-give-your-retirement-purpose
[40] – https://pennypenningtonweeks.com/1467/how-to-enjoy-retired-life-creating-a-retirement-routine/

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