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Retirement Made Easy
Early Retirement
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United States
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Latest Blog Posts

Hello! I am Mrs. RME and am here to offer my perspective on our journey to financial independence/FI/ early retirement/FIRE…call it what you want but, basically our journey to FREEDOM. My role at Retirement Made Easy is to convey a spouse’s perspective (and sometimes sympathize with you 😊) for when you think your spouse has gone off the deep end in regard to your personal finances…they might actually be ...
Posted: Mar 19 2018 @ 6:00 AM
Directly tied to the concept of savings rate is spending. How much you spend drives your savings rate. Your savings rate and income level drive how quickly you can reach financial independence. Not rocket science, but some never put all the pieces together. I view saving in three buckets: • Big Ticket and Bills • Discretionary • Experiences and Entertainment Big Ticket and Bills. This bucket is by far the largest and includes things like ...
Posted: Mar 12 2018 @ 6:00 AM
Now that you better understand why it is so important to push your income as high as possible as soon as possible, the next thing to discuss is saving, and more specifically, saving rate. This section is fairly short, but critical to understand how your saving rate can drive progress, or completely derail your financial future. Let’s start with an example using some general numbers: Mike makes $100k a year ...
Posted: Feb 26 2018 @ 7:00 AM
Workers that are 15-20 years into their career are considered, “mid-career”, and typically fall into the age range of 35-44. For the purposes of this case study, let’s call them 40. The Stats: Age: 40 Salary: $78,385 Spending: $58,784 Credit Card Debt: $2,277 Mortgage Debt: $168,112 Auto Debt: $18,615 Student Loans: $20,219 Amount Saved: $4,200 The post Average American Series – Mid-Career appeared first on Retirement Made Easy. ...
Posted: Feb 26 2018 @ 6:00 AM
Pushing your income as high as possible, in my opinion, is the most important tactic to achieving financial freedom and early retirement.  Let’s dive right in with a Bob example: Bob makes $35,000 a year, and is very comfortable and happy with his job.  He has been there for eight years and has no plans to make a move, despite the low pay rate, and lack of opportunities to advance.  Here is ...
Posted: Feb 19 2018 @ 7:00 AM
Now that we  have an understanding of the benefits of why you should retire early, we move on to how to achieve it.  Most people go through life with little conversation about how they will retire, which I find odd.  Think about it, we work our entire life to pay bills, commute to work, sit in an office or other equally frustrating establishment while our money slowly grows until we ...
Posted: Feb 12 2018 @ 6:00 AM
From as far back as I could remember, I wanted to retire early. I remember being a young kid, watching adults go through life, day after day doing something they don’t want to do. To some degree, it was kind of sad. At that point, I was six years old and decided that I would do everything I could to retire early. I quite literally started stuffing dollar bills and ...
Posted: Feb 05 2018 @ 10:00 AM
If you are new to the world of personal finance, welcome! If you have been around for a while, you’ll know that there are numerous spectacular blogs, highly talented authors, and overall some very smart people writing about personal finance. I have learned a great deal from many of these folks. However, if you noodle around most of these sites, you’ll see that most have a very distinctive style they ...
Posted: Feb 04 2018 @ 5:04 PM


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