I Will Retire at 30!!!


No need to beat around the bush any longer, I might as well make it official — I am going to retire from my career as a professional engineer at the age of 30. When I first started this blog, my original target was 37.5. For anyone who has kept up with the About Me section, you’ll see that this target date has been moved in on a somewhat regular basis.

Sadly, no, it’s not because I won the lottery (although I am playing in the latest round of powerball!). I also haven’t discovered a way to beat the market on a consistent basis. No, I’m not doing anything new or exciting. I’ve just been simply saving like a maniac (60 to 70%+) over the past two years, and investing all my earned income and re-investing all passive/semi-passive income into buying more assets.

At this moment in time, my passive/semi-passive income stream brings in about $1300/month. This does not factor in any contributions from retirement accounts (401k/Roth IRA). My original FI target was $1500/month. By the end of 2014, I am aiming to reach somewhere between $2000/month to $2500/month. This will be made possible by securing one additional property this year, and three additional properties next year.

By the end of 2014, I will be 30. Hopefully, I will have 7 properties by then. If everything goes to plan, I could potentially exit out before year’s end of 2014. However, I also want to build up a cash buffer (dividend stocks) to serve as an emergency-emergency fund. So, if I can grind it out for a little bit longer, realistically, my goal would be to check out for good in mid 2015. I’ll still only be 30. This would also allow me enough time to collect one last round of yearly bonuses (RSU’s, stock options, etc.). All bonuses vest in August 2015. Summer also seems like it would be an ideal time to throw in the towel and ride off into the sunset.

Yep, that’s the plan for now. Grind it out for two more years… then live the life I’ve always dreamed about. 🙂

Thanks for reading! I’ve enjoyed sharing this journey with everyone so much!

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7 years ago

You’re a year older than I thought you were! I think I’ll be close to able to retire by the end of the year in which I turn 30. We’ll see. That’s with today’s numbers and that’s still 5 years away.

Can’t wait to see how things continue to unfold for you in the next couple of years!!

Dividend investing Martin

FI, great goal, great plan and great achievements so far. I like your idea of creating a cash cushion in case. May I shoot an advice? You probably know it. Jesse Livermore always said, never take out of your investment portfolio more that 50% of your gains. Take 50% and reinvest the rest. I do not think you need necessarily reinvest 50% of everything you make, but put at least 10% back to make sure your investments will always grow in thick or thin times.

Lisa @ Cents To Save
7 years ago

That is wonderful!! What an awesome feeling to accomplish at such a young age!

7 years ago

Awesome! I am sure your plan will turn out fine even sooner. I targeted 40 and left at 29 haha.

7 years ago

Looooooooooove this post 🙂 2 years is amazing!

7 years ago

Married? Kids?

JC @ Passive-Income-Pursuit

That’s a very ambitious goal and truly amazing to see the progress you’ve made in such a short time. I’m hoping to get one rental property next year to try and get started with some real estate investing because the cash flow can be very solid with the right properties.

Oh and in case you’re wondering, I was not the lucky one to win the Powerball so I’ll just keep sticking to the grind.

7 years ago

Hello, Truly amazing to see your journey and achievements so far. I am pretty sure you will achieve this target within time as well! I started reading your post regularly and I also want to start real estate investing. One question I have is do bank gets concerned once you start acquiring lots of real estate debt? Or in other words how to keep acquiring properties and mortgage loans without getting rejected by bank? I keep hearing from friends that it is very difficult to get a mortgage loan from bank. I will appreciate any input on this from your… Read more »

7 years ago

Nice work FIFighter!. I’ve got another 4 years before getting to our FI number. Kids tend to slow you down a little, but I wouldn’t trade them for anything 🙂 Ill still be happy to be independent by 40.

The First Million is the Hardest

Nice work! Being able to leave your job by 30 would be an amazing accomplishment & it sounds like you have a great plan to get there.

FI Pilgrim
7 years ago

Wow, just found your blog and you are my hero. Congrats on the early retirement!


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Financial Samurai
6 years ago

Congrats man! Where do you live again to live off $2,000-$2,500/month? I think I gotta move out of SF!

It’ll be interesting to see whether you will actually be able to walk away. It’s harder than you think. Don’t forget to engineer your layoff and not quit!



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