Early Retirement Blog

With the economic collapse, and the large number of layoffs, a lot of people are asking themselves “Can I retire with less than a million dollars?” The answer is yes, you can retire with less than a million dollars. With a million dollars, you can safely spend between $2,500 and $4,000 per month, depending on [...]

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Should you take your company’s voluntary early retirement package? While the idea of early retirement may be appealing , many employees hesitate taking their company’s voluntary early retirement package, out of fear the package will not be  enough  to successfully retire. That’s too bad.   Many employees who refuse their company’s voluntary early retirement package, [...]

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How to prevent layoffs at your company? If you are an H.R. manager, searching for ways to reduce labor costs without conducting layoffs, almost all your options are negative. Pay cuts Furloughs Decrease Health Care Contributions Eliminate 401k Matching While taking these actions may prevent layoffs, they leave your employees financially worse off, and decrease [...]

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Who says you can’t earn big returns in a recession?  Even if U.S. Government Bonds pay nothing,  the stock market and housing both lost 40% last year, you can earn huge risk free investment returns.   That’s right, you can earn 9%, 13%, 21%, maybe even 28%, risk free investment returns.   How? Pay off [...]

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Important update below regarding the new USPS layoff plan. The United States Postal Service announced that it will offer voluntary early retirement to 150,000 of it’s postal workers.  The USPS did not say if it will offer any financial incentives. According to an article from the AP “The American Postal Workers Union issued a statement [...]

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I just published a new book on Amazon Kindle, “Million Dollar Difference! The Wall Street Wage Slave Formula That Keeps You Working”, available now for only 80 cents!   I would give it away for free, but $1.00 is the minimum you can charge for your book- Amazon Kindle discounted the book 20% as soon [...]

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American families experienced a record decline in their net worth during the fourth quarter, wiping out $5 trillion dollars of net worth, mainly due to the crashing stock market.   American households have lost 20% of their net worth, over $15 trillion in total, since June 2007. In response, Americans are saving more of their [...]

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I would like to thank Bernie Madoff for doing me and the American people a great favor.   Bernie Madoff’s arrest, after 20 years of running a Ponzi Scheme, has begun to open people’s eyes to the truth about Wall Street.   Sooner rather than later, the American people are going to finally realize, that [...]

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Planning your own retirement is easy, really it is, Wall Street makes it complicated and confusing on purpose.  All you need to plan your own retirement is 3 pieces of paper, a pencil, and a calculator.  Why pay a financial planner a lot of money, receive a worthless guess, when you can plan your own [...]

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Looking for good economic news?   Want some news that will cheer up your finances?   News that will restore hope and optimism for your financial future?   Want some good retirement news for a change?   If you said yes to any of those questions, then congratulations, you’re about to smile. Wall Street over-estimates [...]

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