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En el artículo en inglés debajo está la descripción de cómo los Ingleses afrontan retirarse de trabajar 20 o 25 años antes.
Los Finance Independence Retire Early (FIRE) basan su estrategia en los siguientes mandamientos:
1)Ahorrar al extremo: 50% a 75% del sueldo. Cómo?:
2) regla 5:2, no gastar 5 días a la semana, gastar cash sano solo 2.
3) adiós vacaciones caras, coches, ropa cara, caprichos variados
4) inventir los ahorros en ladrillo, depósitos y acciones con cotización más o menos estable a largo plazo y baja rentabilidad.
5) Quitarse la hipoteca con el 50% restante (lo que no dicen es si una vez hecho esto queda algo para comer o toca rebuscar en los contenedores de Tesco o Morrison
)
Siguiendo estas reglas y la regla del 1:20 (ahorra 20 veces la renta anual que quieres tener cada año), por lo visto centenares de miles de Usanos e Ingleses han dejado la carrera de la rata.
Aquí está el link y el artículo completo:
How to retire in your FORTIES without earning a fortune! | Daily Mail Online
How to retire in your FORTIES without earning a fortune! The simple formula catching on in Britain that lets modest income-earners escape rat race to live mortgage free on £25,000-a-year
FIRE formula promises a mortgage free world and £25,000-a-year to live on
Key is building net worth of 25x annual spending in savings and investments
Hundreds of thousands said to be ***owing rules to stop work in 30s or 40s
Barney Whiter saved half salary and invested it for 19 years to retire aged 43
He said saving hard means: 'You go from broke to never needing to work again'
Many try 5:2 cash diet - meaning you don't spend a penny for five days a week
Are YOU saving for early retirement? Email connor.boyd@mailonline.co.uk
Thousands of middle-earners are retiring in their forties with no mortgage and £25,000 a year to spend, it was revealed today.
Experts say anyone can 'go from broke to never needing to work again' by saving 50 per cent or even 75 per cent of their salary each month.
These 'super-savers' then invest it in property and low-risk shares for ten to 20 years and bank the profits every year.
The financial independence retire early [FIRE] formula - an idea born in the US - is inspiring thousands in the UK to achieve the ultimate aspiration of giving up work.
Experts say you need a nest egg equivalent to 25 times your annual salary to retire early.
This means that if you must have £25,000-a-year to live on you need to work towards a nest egg of £625,000 made up of savings and returns from investments or buy-to-let properties.
If it is £50,000 then that amount grows to £1.25million.
The other battle line is to eliminate a mortgage using the half of the salary people don't save.
The Holy Grail for anyone who wants to leave work before 65 is saving - because if you want a scatter-cash lifestyle then you will pay for it in many more years at work.
Many take their inspiration from the 5:2 diet, meaning for full five days of the week they do not spend a penny only allowing themselves to have any outlays on the other two days.
London accountant Barney Whiter, a married father-of-three from Farnham, Surrey, walked away from work at 43 by saving half his annual salary after tax.
He then invested all of it in low-risk stock market funds and shares, bringing in up to 12 per cent return every year for 19 years while also paying down his mortgage.
A big house, eating out, expensive holidays, new cars, cable TV and non-essential shopping were all banned so the Whiter family could stick to their £24,000-a-year budget for all spending.
Frugal Mr Whiter made sure he built up a net worth of 25 times his annual spend - £625,000 - in savings and investments.
And the result was retirement around 20 years before his colleagues, which he said 'is the best thing since slice bread'.
He told The Times: 'If you can save 50 per cent of your take-home pay, it will take 19 years to go from broke to never needing to work again. If you can save 75 per cent, it will take seven to eight years.
'You need to have the mentality of a marathon runner or triathlete and be able to delay gratification. For most people money is leaking out of their life like a bucket shot full of holes'.
There is an army of super-savers in the UK, many gaining inspiration from U.S. and British websites that advise on how to become mortgage-free early.
More than 100,000 people are said to be using blogs produced by FIRE proponents including Mr Whiter, who calls himself 'The Escape Artist'.
Earlier this year more than 900 people tried to get into a London pub to hear a talk about the formula, spearheaded by Canadian Peter Adeney, who retired at 30.
Mr Adeney's blog Mr Money Moustache gives people a step-by-step guide to retiring in a decade or less.
Mr Whiter threw all his energy behind his plan to retire in his forties.
He drove a battered second hand Skoda for years and cut spending to the bone while his children, now teenagers, grew up.
But he insists it was all worth it.
He said: 'Tasting freedom is the most intoxicating thing and I wouldn’t ever go back to full-time work. I’d rather cut my lifestyle back. My highest value is freedom and self-determination and being able to do what I want to do'.
SEVEN STEPS TOWARDS AN EARLY RETIREMENT
Try to save between 50 and 75 per cent of your earnings every month
Invest all savings in low-risk stock market funds or property
Stop buying needless gadgets — if there’s anything you really need (such as a drill for odd jobs around the house) you can often hire it from a special tool ‘library’ for a small fee. Ask your local council or visit libraryofthings.co.uk.
Give up on needless fripperies. Do you really need to spend more than £6 on a bottle of wine? Would a run round the park be as good as a gym membership? Will your partner really appreciate gifts worth hundreds of pounds — or is something small and thoughtful enough?
Try to 5:2 your finances — spend only at the weekend and as little as possible during the week.
Stop online shopping. Delete any apps and block tempting emails sending you offers.
Save here and there: pop change into a jar and don’t fritter it. Take your jar to the bank once a month and put it straight into savings.
Los Finance Independence Retire Early (FIRE) basan su estrategia en los siguientes mandamientos:
1)Ahorrar al extremo: 50% a 75% del sueldo. Cómo?:
2) regla 5:2, no gastar 5 días a la semana, gastar cash sano solo 2.
3) adiós vacaciones caras, coches, ropa cara, caprichos variados
4) inventir los ahorros en ladrillo, depósitos y acciones con cotización más o menos estable a largo plazo y baja rentabilidad.
5) Quitarse la hipoteca con el 50% restante (lo que no dicen es si una vez hecho esto queda algo para comer o toca rebuscar en los contenedores de Tesco o Morrison
)Siguiendo estas reglas y la regla del 1:20 (ahorra 20 veces la renta anual que quieres tener cada año), por lo visto centenares de miles de Usanos e Ingleses han dejado la carrera de la rata.
Aquí está el link y el artículo completo:
How to retire in your FORTIES without earning a fortune! | Daily Mail Online
How to retire in your FORTIES without earning a fortune! The simple formula catching on in Britain that lets modest income-earners escape rat race to live mortgage free on £25,000-a-year
FIRE formula promises a mortgage free world and £25,000-a-year to live on
Key is building net worth of 25x annual spending in savings and investments
Hundreds of thousands said to be ***owing rules to stop work in 30s or 40s
Barney Whiter saved half salary and invested it for 19 years to retire aged 43
He said saving hard means: 'You go from broke to never needing to work again'
Many try 5:2 cash diet - meaning you don't spend a penny for five days a week
Are YOU saving for early retirement? Email connor.boyd@mailonline.co.uk
Thousands of middle-earners are retiring in their forties with no mortgage and £25,000 a year to spend, it was revealed today.
Experts say anyone can 'go from broke to never needing to work again' by saving 50 per cent or even 75 per cent of their salary each month.
These 'super-savers' then invest it in property and low-risk shares for ten to 20 years and bank the profits every year.
The financial independence retire early [FIRE] formula - an idea born in the US - is inspiring thousands in the UK to achieve the ultimate aspiration of giving up work.
Experts say you need a nest egg equivalent to 25 times your annual salary to retire early.
This means that if you must have £25,000-a-year to live on you need to work towards a nest egg of £625,000 made up of savings and returns from investments or buy-to-let properties.
If it is £50,000 then that amount grows to £1.25million.
The other battle line is to eliminate a mortgage using the half of the salary people don't save.
The Holy Grail for anyone who wants to leave work before 65 is saving - because if you want a scatter-cash lifestyle then you will pay for it in many more years at work.
Many take their inspiration from the 5:2 diet, meaning for full five days of the week they do not spend a penny only allowing themselves to have any outlays on the other two days.
London accountant Barney Whiter, a married father-of-three from Farnham, Surrey, walked away from work at 43 by saving half his annual salary after tax.
He then invested all of it in low-risk stock market funds and shares, bringing in up to 12 per cent return every year for 19 years while also paying down his mortgage.
A big house, eating out, expensive holidays, new cars, cable TV and non-essential shopping were all banned so the Whiter family could stick to their £24,000-a-year budget for all spending.
Frugal Mr Whiter made sure he built up a net worth of 25 times his annual spend - £625,000 - in savings and investments.
And the result was retirement around 20 years before his colleagues, which he said 'is the best thing since slice bread'.
He told The Times: 'If you can save 50 per cent of your take-home pay, it will take 19 years to go from broke to never needing to work again. If you can save 75 per cent, it will take seven to eight years.
'You need to have the mentality of a marathon runner or triathlete and be able to delay gratification. For most people money is leaking out of their life like a bucket shot full of holes'.
There is an army of super-savers in the UK, many gaining inspiration from U.S. and British websites that advise on how to become mortgage-free early.
More than 100,000 people are said to be using blogs produced by FIRE proponents including Mr Whiter, who calls himself 'The Escape Artist'.
Earlier this year more than 900 people tried to get into a London pub to hear a talk about the formula, spearheaded by Canadian Peter Adeney, who retired at 30.
Mr Adeney's blog Mr Money Moustache gives people a step-by-step guide to retiring in a decade or less.
Mr Whiter threw all his energy behind his plan to retire in his forties.
He drove a battered second hand Skoda for years and cut spending to the bone while his children, now teenagers, grew up.
But he insists it was all worth it.
He said: 'Tasting freedom is the most intoxicating thing and I wouldn’t ever go back to full-time work. I’d rather cut my lifestyle back. My highest value is freedom and self-determination and being able to do what I want to do'.
SEVEN STEPS TOWARDS AN EARLY RETIREMENT
Try to save between 50 and 75 per cent of your earnings every month
Invest all savings in low-risk stock market funds or property
Stop buying needless gadgets — if there’s anything you really need (such as a drill for odd jobs around the house) you can often hire it from a special tool ‘library’ for a small fee. Ask your local council or visit libraryofthings.co.uk.
Give up on needless fripperies. Do you really need to spend more than £6 on a bottle of wine? Would a run round the park be as good as a gym membership? Will your partner really appreciate gifts worth hundreds of pounds — or is something small and thoughtful enough?
Try to 5:2 your finances — spend only at the weekend and as little as possible during the week.
Stop online shopping. Delete any apps and block tempting emails sending you offers.
Save here and there: pop change into a jar and don’t fritter it. Take your jar to the bank once a month and put it straight into savings.
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