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Are We There Yet? ‘Retire Early’ Case Study | Ep 473

In this episode: calculating when you retire, tracking expenses, health insurance, the importance of planning, and health spanning.

This week, Teresa and Fritz Gilbert of The Retirement Manifesto are rejoining us to walk us through a case study of approaching retirement while on your FI journey. It’s a common question to ask when you can retire or when you can stop working. Luckily, there are plans of action and resources available covered in today’s episode that will leave you feeling better prepared to proceed with a plan for retirement, no matter what part of your FI journey you are on.

While there are many factors to consider when planning for retirement, such as savings versus spending rate and repositioning your portfolio, all these factors are manageable when you have a good plan in place. Take the time now to feel confident about what life will be like leading up to and after you retire!

The Retirement Manifesto:


  • 1:33 – Introduction
  • 2:37 – Calculating When You Can Retire
  • 7:46 – Does Retiring Early Effect Social Security?
  • 15:06 – Tracking Spending and Expenses
  • 20:55 – Health Insurance in Retirement
  • 29:49 – The Importance of Planning/Changing Your Assumptions
  • 40:17 – One More Year Syndrome/Your Health Span
  • 45:00 – The Second Phase of Retirement
  • 49:51 – Conclusion

Resources Mentioned In Today’s Episode:

Choose FI has partnered with CardRatings for our coverage of credit card products. Choose FI and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. American Express is a ChooseFI advertiser. Disclosures.
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