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- Keep an eye out for workplace incentives for early retirement.
- Plan for contingencies like rising prices and inflation.
- Put together some sort of budget. If you're worried about putting down hard numbers, work out a range.
- Left door open at his employer, just in case.
- Plans to retire earlier than expected.
- Makes plans for a living—and used those skills to address retirement.
Unsure about retirement, Larry worked out a trial period with his employer.
"I told my work, 'Give me six months to try out retirement.' I might come back part-time, because I enjoy it. Who knows? In six months I might get tired of travel, dancing, and classes, and beg to come back."
Taking advantage of workplace incentives to help plan the retirement he wants.
“I didn’t necessarily want to stop working. But they recently introduced incentives for early retirement. When I found out I could retire a year and a half earlier, I ran the numbers. I’m planning to retire in early 2009.
“I used to design sewers for the city of San Francisco. In that line of work, you prepare for every contingency. I looked at my retirement budget the same way. You don’t have to work out exact numbers. At least work out a range.”
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We thank Larry for sharing what worked for him. His words have been edited. The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. Examples provided are for illustrative purposes only and not intended to be predictive of future results.
The types of financial transactions mentioned may not be suitable for everyone. Each investor needs to review a transaction for his or her own particular situation. Data contained here is obtained from what are considered reliable sources; however, its accuracy, completeness, or reliability cannot be guaranteed.
All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Examples provided,
including statistical simulations, are provided for illustrative purposes only and are not intended to imply future results you should expect to see. Past performance is no guarantee of future results.