Early Retirement: Must Read Websites To Retire In 5 Years

Interested in Early Retirement

Early Retirement should be attainable for everyone. Do you want to be financially independent in 5 years. Not sure where to start? These 20 websites will give you all the information you need. for free. This is a living list and will be subject to change as the quality of content available continues to grow.

The top 5 will remain mostly static but other contenders will be subject to competitive change. To make the list these Bloggers/Authors created an article or series of articles that crystallized a concept for me. Articles that I find the most useful focus on 1 of 5 concepts

    1. Reducing Expenses
    2. Increasing Tax efficiency
    3. Investment strategies
    4. Creating multiple income streams
    5. Travel Rewards

19. White Coat Investor

Tailored to doctors and High-Income earners, the advice is well rounded and advanced

18. The Simple Dollar

17. Budget Bytes

Innovative and meticulous. When I started to focus on shrinking our food bill. I started doing searches on Pintrest for budget meals and these links kept showing up, all originating from this site. The author does the legwork so you can game the system of eating on a budget. It is so well done that several other meal planning sites frequently use her work to create their meal plans

16. Go Curry Cracker

Tax efficiency, travel rewards and financial independence. He has some great articles on Tax efficiency

15. Dave Ramsey

Dave Ramsey was one of the original get out of debt warriors, His baby steps are priceless and crystallized the basic process. His media empire has been built around radio, TV and mass marketed classes. His messaging can be one-dimensional and while a great starting place, I look to other sources once you are out of debt. I think anyone that needs to be woken up as to the dangers of consumer debt should get a healthy dose of Dave Ramsey.

He has 2 calculators on his webpage which are the best on the internet

He also has a phenomenal video on how to Drive Free Cars for Life which can help open up your eyes to the possibilities of passive income

14.The Millionaire Educator

  • Free Money  This article takes a complicated concept and makes it look easy. Every DIY tax planner should start with this template and build out
  • We did a podcast with him, which you can listen to here

13. Financial Samurai

Lots of great content, still sifting through all of the information

12. Making Sense of Cents

            Building your brand, and business, affiliate marketing

11.Real Estate in your 20's


9. Early Retirement Extreme

If you don’t question your existence after reading this blog then you have no soul. Although no longer actively managed, Jacob forces you to take a second look and determine whether you own your stuff or your stuff own you.

8. Afford Anything

Afford Anything, a blog warrior, fearless real estate investor, great writing style

7. Wealthy Accountant

I firmly believe that to win the game you need to know the rules and. To have an accountant that is focused on Financial independence is awesome

6. Bigger Pockets

Their podcast series is AMAZING! Starting with episode 1, every week I wanted to branch into a new type of real estate. hard hitting with practical advice and actionable tips

5. Radical Personal Finance

  • Joshua Sheets is the long form creator of content in the personal finance realm. No one goes into more depth to explain content than he does. I have listened to many dozens of hours of content and he nails it.

4.Mad Fientist

MadFientist Has been curating content and creating tools for several years now. His podcast although sporadic are quality.

3. Early Retirement Now

Big ERN over at Early Retirement now has written the Ultimate Guide to Safe Withdrawal Rates and this content when paired with the stock series is a 1-stop shop as you plan your Glidepath to the wealth preservation stage of life. ERN perfectly pairs the raw data with the personal aspect of finance in this can't miss pillar content. 21 parts and counting

2. JL Collins NH

  • Stock Series – it is the single best resource for a new investor interested in long term wealth creation
  • Jim also wrote a book which you can find here

1.Mr Money Mustache

While he may not be the 1st blogger to focus on early retirement, he definitely redefined it and gave it a “contrarian” unshaved-facelift for the next generation. He has become the face of a movement and although I find it difficult to replicate his intensity, he certainly inspires me along with millions of others.


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9 thoughts on “Early Retirement: Must Read Websites To Retire In 5 Years”

    • Hey James Thanks, It took me a long time to dig through the archives of those sites to find that content so I’m glad you’re enjoying it. At one point I think I had 50 tabs open in chrome and my laptop blacked out from the shock 😉

  1. Hey guys, love the blog and podcast! Just starting my FI journey and I’m a bit confused about something. Knowing where you are on the FI journey seems best measured by tracking your net worth. In fact, Rockstar Finance (which you listed above) even has a Blogger Net Worth Tracker. Here’s where I’m confused. Net worth is traditionally defined as assets minus liabilities, as far as I know. Yet many FI bloggers seem to measure their net worth as only their assets and ignore their liabilities (some in the list measure it the traditional way). I imagine most of the liability interest rates are very low…but I don’t know how or why the balances of the liabilities are ignored.

    Example: No Nonsense Landlord (#2 on the list) says his net worth is “the sum of the investment accounts plus a realistic selling price.” He ignores the almost $500K in mortgage balances in his net worth calculations. He is “ranked” in the tracker just by his total assets.

    So here’s my question, do some FIers measure net worth differently? Is there an understood agreement in the FI world that assets are more important than liabilities?


    • Dave,

      Not sure how No Nonsense Landlord could count the value of his house in his net worth without counting the mortgage.

      There is mostly agreement in the FI community of what counts towards your net worth. Any appreciating assets count (so that excludes things like cars, boats, etc, but includes real estate). Next, subtract any liabilities. For me, that means student loans, mortgages, any credit card debt, etc.

      The important question though is what part of your net worth should count towards your FI number. As you probably know already, we need 25x our estimated annual spend in early retirement to be considered FI. Only the portion of your portfolio that will produce income for you should be included in this calculation. So things like stocks, bonds and rental real estate count, because they will all produce a return that you can use to live on.

      People account for their primary residence a bit differently. Some sensible plans I’ve heard of include Mr. 1500s plan to add the total mortgage amount remaining on his house to his FI number. So, if his mortgage still had $120K left and his FI number was $1 million, he’d just continue making his normal mortgage payment and consider himself FI with $1,120,000. With a low interest mortgage (certainly anything in the 3-4% range) this makes a lot of sense. It’s incredibly unlikely that over 10-20 years VTSAX will return less annually than that.

      Other people elect to pay off their mortgage fully before FI to reduce their monthly expenses. Other people just include their mortgage payment in their annual spend number and have their FI number reflect that.

  2. This is great. MMM + ERE + Wealthy Accountant changed my entire spending habits / outlook on efficiency.

    You can make upwards of $100k, have kids, and still get government subsidies. Crazy!

    • I just found his blog at the suggestion of another guest within the the last several months- He is coming on the show to school us in the art of sequence returns and swr 🙂 we are excited, and your right – ERN needs to be on this list

  3. On Reddit, in addition to /r/personalfinance, there are also some related subreddits:
    /r/leanfire (retire with <40k expenses)

  4. Thanks for sharing this list. Some new ones to me on here. Always looking to add to my current reading list! Thank you guys for all you do. I love the podcast and your approach. Keep killing it!

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