{"id":230419,"date":"2025-05-08T09:00:54","date_gmt":"2025-05-08T09:00:54","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/investing\/retirement-investing-today-fire-day\/"},"modified":"2025-05-08T09:00:54","modified_gmt":"2025-05-08T09:00:54","slug":"retirement-investing-today-fire-day","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=230419","title":{"rendered":"Retirement Investing Today: FIRE day!"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div id=\"post-body-8392443702719619374\" itemprop=\"description articleBody\">\n<div dir=\"ltr\" style=\"text-align: left;\" trbidi=\"on\">\n<blockquote class=\"tr_bq\"><p>\n\u201cRetirement is the withdrawal from one&#8217;s position or occupation or from one&#8217;s active working life. &#8230;\u00a0 Retirement is generally considered to be &#8220;early&#8221; if it occurs before the age (or tenure) needed for eligibility for support and funds from government or employer-provided sources. Early retirees typically rely on their own savings and investments to be self-supporting, either indefinitely or until they begin receiving external support.\u201d <a href=\"https:\/\/en.wikipedia.org\/wiki\/Retirement\">Source<\/a><\/p><\/blockquote>\n<p>It\u2019s an exciting time in the RIT household as I\u2019m now calling myself FIRE, Financial Independence Retire Early.\u00a0 I\u2019ve worked <a href=\"http:\/\/www.retirementinvestingtoday.com\/2018\/06\/resignation-in.html\">my notice period<\/a>, completed a professional handover of responsibilities, was given a fabulous send off by the company I worked for, surrendered my identification card and then walked out the door.<\/p>\n<p>I guess that confirms I\u2019m now jobless but am I really FIRE?\u00a0 Do I really have enough savings and investments to be self supporting \u2018indefinitely\u2019?\u00a0 Let\u2019s start with the level of wealth that I go into the next stage of my life with:<\/p>\n<div style=\"text-align: center;\">\n<a href=\"https:\/\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEhhDiqZzCZurcdKfuJfe1J9P8uqUTCoJtHnCzumajuuyGZFGobkBKiNSfJf_AtB_LuILEOOF1u8GTT39bQIZtdqgQldLu48e2ru3PNhfkaglKF-qrz8OogImTFYhXVigVIZL2t5VvjK9-k3\/s1600\/181124-1.png\" imageanchor=\"1\"><img loading=\"lazy\" decoding=\"async\" alt=\"RIT progress towards FIRE\" border=\"0\" height=\"223\" src=\"https:\/\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEhhDiqZzCZurcdKfuJfe1J9P8uqUTCoJtHnCzumajuuyGZFGobkBKiNSfJf_AtB_LuILEOOF1u8GTT39bQIZtdqgQldLu48e2ru3PNhfkaglKF-qrz8OogImTFYhXVigVIZL2t5VvjK9-k3\/s400\/181124-1.png\" title=\"RIT progress towards FIRE\" width=\"400\"\/><\/a><\/div>\n<p>\n<i>Click to enlarge, RIT progress towards FIRE<\/i><\/p>\n<p>\nThat\u2019s just a whisker over \u00a31.3 million.<\/p>\n<p><a name=\"more\"\/>We intend to start this adventure by <a href=\"http:\/\/www.retirementinvestingtoday.com\/2018\/08\/one-way-flights-booked-to-aphrodites.html\">relocating from the UK to Cyprus<\/a>\u00a0and will be cautious early on by renting for the first 6 to 12 months to make sure it\u2019s right for us.\u00a0 During this time we\u2019ll research areas and decide on exactly what we\u2019re looking for.\u00a0 If it\u2019s what we hope and think it is then our plan is based on us buying a place to live.\u00a0 Something like this doesn\u2019t look to shabby:<\/p>\n<div style=\"text-align: center;\">\n<a href=\"https:\/\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjQba_EagEu7xMVvs06goj7P0C_4JAy6zV7RBVeDn2b1qJ9Msm4dQQ1SGhMABYnsu13X9TbjAitxmEBcAxqRaZogXd3eB5EZ7DVF3MAQqdI4uluaNjKYsBPQhcyvjsK-ivn8vGtVAeSrMZy\/s1600\/181124-2.png\" imageanchor=\"1\"><img loading=\"lazy\" decoding=\"async\" alt=\"Maybe a home where the priority is some land and a pool...\" border=\"0\" height=\"251\" src=\"https:\/\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjQba_EagEu7xMVvs06goj7P0C_4JAy6zV7RBVeDn2b1qJ9Msm4dQQ1SGhMABYnsu13X9TbjAitxmEBcAxqRaZogXd3eB5EZ7DVF3MAQqdI4uluaNjKYsBPQhcyvjsK-ivn8vGtVAeSrMZy\/s400\/181124-2.png\" title=\"Maybe a home where the priority is some land and a pool...\" width=\"400\"\/><\/a><\/div>\n<p>\n<i>Click to enlarge, Maybe a home where the priority is some land and a pool&#8230;<\/i><\/p>\n<p>\nAfter buying a home I\u2019m now down to just under \u00a31.1 million.\u00a0 With that I need to generate enough income to fund the lifestyle we desire while also hopefully not running out of money before we run out of life.\u00a0 To calculate the maximum that can be I\u2019ve consistently talked about using two criteria to set my annual spending.<\/p>\n<p>The first is based around <a href=\"http:\/\/www.retirementinvestingtoday.com\/2013\/02\/calculating-that-important-retirement.html\">the 4% or 25x spending rule<\/a>.\u00a0 This rule is much bandied around within the FIRE community, many times without context, and now with FIRE potentially starting to go mainstream is starting to be bandied around in <a href=\"https:\/\/www.theguardian.com\/money\/2018\/nov\/20\/can-anyone-retire-in-their-30s-meet-the-people-who-say-yes\">the more traditional media as well<\/a>.\u00a0 Under the 4% rule I can now start spending a little over \u00a343,000 per annum and then live happily ever after&#8230;\u00a0 Except I personally think that the 4% rule is too bullish a number which <a href=\"http:\/\/www.retirementinvestingtoday.com\/2014\/05\/further-exploration-of-safe-withdrawal.html\">I\u2019ve covered in a number of blog posts over the years<\/a>.\u00a0 I\u2019m much happier starting out spending 2.5% plus my investment expenses of around 0.2% giving me something closer to \u00a330,000 annually.<\/p>\n<p>The second is based around living off the dividends in early retirement.\u00a0 Actually I was a little bit more conservative than that and said <a href=\"http:\/\/www.retirementinvestingtoday.com\/2015\/09\/living-off-dividends-in-early-retirement.html\">I wanted to live off 85% of my dividends<\/a>.\u00a0 I\u2019m attracted to this method as psychologically I think (of course I don\u2019t know) it might be very helpful during a bad bear market where if history repeats I may never need to sell assets when they\u2019re in a depressed state.\u00a0 My dividend situation currently looks like this:<\/p>\n<div style=\"text-align: center;\">\n<a href=\"https:\/\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEj-Jlq8Pz1yxUpF2PficWq3J_A6-qCYvydXT_MU7wGHTDGMsKiGAwVxDruXAfMlrXaqLmXsNUkuQokvVgVQV8qqWo6Y3jBrV2P-1rXjWQv8R9OJqVyivQYYXrMA00Tr76Z7BcVvOhbtIyMz\/s1600\/181124-3.png\" imageanchor=\"1\"><img loading=\"lazy\" decoding=\"async\" alt=\"RIT annual dividends\" border=\"0\" height=\"390\" src=\"https:\/\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEj-Jlq8Pz1yxUpF2PficWq3J_A6-qCYvydXT_MU7wGHTDGMsKiGAwVxDruXAfMlrXaqLmXsNUkuQokvVgVQV8qqWo6Y3jBrV2P-1rXjWQv8R9OJqVyivQYYXrMA00Tr76Z7BcVvOhbtIyMz\/s400\/181124-3.png\" title=\"RIT annual dividends\" width=\"400\"\/><\/a><\/div>\n<p>\n<i>Click to enlarge, RIT annual dividends<\/i><\/p>\n<p>\nDoing the maths on that and I\u2019m now closer to \u00a324,000 annually.<\/p>\n<p>So is that no FIRE, lean FIRE, fat FIRE or as <a href=\"https:\/\/amzn.to\/2Scyz5M\">an early reviewer of my book<\/a>\u00a0\u2018kindly\u2019 suggested \u201c&#8230;&#8221;penury&#8221;, and with some justice\u201d?\u00a0 <a href=\"https:\/\/www.gov.uk\/government\/statistics\/percentile-points-from-1-to-99-for-total-income-before-and-after-tax#history\">The Office for National Statistics tells me<\/a>\u00a0that as far as total income before tax goes it would put me in the 52nd percentile of taxpayers in the UK but that\u2019s not really helpful either.\u00a0 Instead I\u2019ve tracked my spending for years and then built a spending plan for retirement which includes 47% discretionary spending and which tells me today that to live the life we desire we need EUR27,593 annually which at worst case historic exchange rates is \u00a324,571.\u00a0 I\u2019d call that just about right FIRE.<\/p>\n<p>So now I enter the wealth drawdown phase of my life with one of my planned tracking methods being to compare current spending to both of the rules I\u2019ve set above.\u00a0 That gives me a new chart going forwards:<\/p>\n<div style=\"text-align: center;\">\n<a href=\"https:\/\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEgvCqb7ETUjjwPVqVA3JEjfckpuWibQRSTJBnpi_spWh5OH_QtVYbVDpkTjauufTHWJVH0yfD7NPlL7Z9-5EbUrs_IRq4QgVluAJG65AG3KrzkICRsHg6rUmPDwruveqS2C6Pe5xJD4iAQi\/s1600\/181124-4.png\" imageanchor=\"1\"><img loading=\"lazy\" decoding=\"async\" alt=\"RIT\u2019s drawdown tracker\" border=\"0\" height=\"220\" src=\"https:\/\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEgvCqb7ETUjjwPVqVA3JEjfckpuWibQRSTJBnpi_spWh5OH_QtVYbVDpkTjauufTHWJVH0yfD7NPlL7Z9-5EbUrs_IRq4QgVluAJG65AG3KrzkICRsHg6rUmPDwruveqS2C6Pe5xJD4iAQi\/s400\/181124-4.png\" title=\"RIT\u2019s drawdown tracker\" width=\"400\"\/><\/a><\/div>\n<p>\n<i>Click to enlarge, RIT\u2019s drawdown tracker<\/i><\/p>\n<p>So we\u2019re set financially, now we just need to get ourselves packed up over the next few days and get on that one-way flight to Cyprus.\u00a0 Fortunately, our approach of focusing on quality of life, which leads to <a href=\"http:\/\/www.retirementinvestingtoday.com\/2018\/07\/the-secondary-benefits-of-minimalism.html\">a certain level of minimalism<\/a>, is making that process not overly stressful.<\/p>\n<p>But before that it\u2019s time to pop a cork as a small celebration is in order.<\/p>\n<p>As always DYOR.<\/p>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>\u201cRetirement is the withdrawal from one&#8217;s position or occupation or from one&#8217;s active working life. &#8230;\u00a0 Retirement is generally considered to be &#8220;early&#8221; if it occurs before the age (or tenure) needed for eligibility for support and funds from government or employer-provided sources. Early retirees typically rely on their own savings and investments to be [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":230420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[96],"tags":[467,1074,10906,11077,1513],"dealstore":[],"offerexpiration":[],"class_list":["post-230419","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","tag-day","tag-fire","tag-investing","tag-retirement","tag-today"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Retirement Investing Today: FIRE day! - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=230419\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retirement Investing Today: FIRE day! - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"\u201cRetirement is the withdrawal from one&#8217;s position or occupation or from one&#8217;s active working life. &#8230;\u00a0 Retirement is generally considered to be &#8220;early&#8221; if it occurs before the age (or tenure) needed for eligibility for support and funds from government or employer-provided sources. 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