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Robert Charlton
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How To Retire Early: Your Guide to Getting Rich Slowly and Retiring on Less Kindle Edition

by Robert Charlton (Author), Robin Charlton (Author) Format: Kindle Edition
4.6 4.6 out of 5 stars 375 ratings
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Author's note: This book was last updated in 2018 and covers a primary investment period from 1992 to 2006. Thus, while the concepts in this book are still valid, it is beginning to show its age as the years pass since our retirement in 2006.

What makes this book different from all the other books out there on early retirement? We think it's the amount of personal financial detail we provide. We don’t hold back! You can use this information as a kind of financial yardstick to measure what is possible in your own life. We retired from full-time work at the age of 43. In this book we share with you the roadmap we followed to get from full-time work to financial independence in less than 15 years. If we can do it, so can you!

If we can empower you to stop dreaming and start planning, to stop wishing and start willing your early retirement into existence, we’ll have done what we set out to do in this book.
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  1. Print length
    255 pages
  2. Language
    English
  3. Sticky notes
    On Kindle Scribe
  4. Publication date
    July 31, 2018
  5. File size
    20481 KB
  6. Page Flip
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  7. Word Wise
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Editorial Reviews

Review

"...Absolute gem of a book...What was most incredible to us, out of everything, is that they share their breakdown of income and savings for every single year that they worked, and show how they built up a net worth of nearly $1 million in about 15 years without ever making six figures...We can't recommend their book highly enough."
--Our Next Life (Tanja Hester,ournextlife.com)

"The whole time I was reading it, I found myself finding more and more confidence in my own early retirement plans. We need more examples like the Charltons of how regular people like you and I can make our goal of financial freedom come true...The math is all there."
-- My Money Design (mymoneydesign.com)

"I especially liked Charlton's discussion about health care...After reading How to Retire Early, I have a much better grasp of how to qualify for lower costs."
-- Investing to Thrive (Julie Rains, investingtothrive.com)

"They generously lay out all their numbers and go on to prove you don't have to be earning 6 figures to retire early...The fact that the Charltons are sharing their numbers and a practical system to enable us to forecast our numbers is a huge gift to the FIRE community and I'd say it's one of the MUST have books for FIRE proponents. They even share their compounding spreadsheet which is brilliant in its simplicity."
-- FIRE Kiwi (firekiwi.co.nz)

"How to Retire Early [is] getting great buzz through word of mouth in the FIRE community."
--Millennial Revolution (FIRECracker,millennialrevolution.com)

"This book is an incredible example of a retirement story of an everyday couple...They share almost everything about their finances. They tell you how much money they saved each year and what steps they took to get there...The beauty of their approach is that it is very simple and nothing technical or complicated. Everybody can do it!"
-- Pollie's Dividend (polliesdividend.com)

"How to Retire Early...takes you through a journey of exactly how they accomplished it. It is very transparent and incredibly motivating."
-- We Retired Early (Steve Miller, weretiredearly.com)

"They have a wonderful and inspiring sense of adventure. It's a great read and I think you'll be inspired to live and reach financial independence if you read this book."
-- Financial Woman (Camille Gaines, financialwoman.com)

"Two normal people who decided to retire early, stuck to their plan -- and did it."
-- FI Guide (figuide.com)

"If you are even remotely interested in early retirement then I HIGHLY recommend that you check out this book."
-- Frugal Chic Life (frugalchiclife.com)

About the Author

Robert and Robin Charlton retired early from their jobs at the age of 43 so they could travel the world and live life more fully. They live in Boulder, Colorado but spend much of the year traveling both in the U.S. and abroad. They prefer to travel slowly and on foot as much as possible, staying in a country for weeks or months at a time when they can. They keep a personal website documenting their travels at wherewebe.com.

Product details

  • ASIN ‏ : ‎ B07G3FSMD5
  • Publisher ‏ : ‎ Where We Be Publishing; 2nd edition (July 31, 2018)
  • Publication date ‏ : ‎ July 31, 2018
  • Language ‏ : ‎ English
  • File size ‏ : ‎ 20481 KB
  • Text-to-Speech ‏ : ‎ Enabled
  • Screen Reader ‏ : ‎ Supported
  • Enhanced typesetting ‏ : ‎ Enabled
  • X-Ray ‏ : ‎ Enabled
  • Word Wise ‏ : ‎ Enabled
  • Sticky notes ‏ : ‎ On Kindle Scribe
  • Print length ‏ : ‎ 255 pages
  • Page numbers source ISBN ‏ : ‎ 1724284339
  • Customer Reviews:
    4.6 4.6 out of 5 stars 375 ratings

About the author

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Robert Charlton

Robert Charlton

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Robert Charlton and his wife Robin retired early at the age of 43 so they could travel the world and live life more fully. They live in Boulder, Colorado but spend much of the year traveling both in the U.S. and abroad. Their book “How to Retire Early” offers a roadmap for others to do the same. They document their travels on wherewebe.com.

Robert's debut sci-fi novel is called "Takeover" and is Book 1 in the Occupy Earth series. The financial and societal collapse depicted in this book does not keep Robert up at night, nor should it you. He begs you not to trade your shares of stock for gold coins and mattress cash.

Customer reviews

4.6 out of 5 stars
4.6 out of 5
375 global ratings

Top reviews from the United States

book junkie
5.0 out of 5 stars Inspiring
Reviewed in the United States on October 29, 2013
Verified Purchase
I am a financial advisor and I enjoyed this book very much. I am planning on adding the print version of this to the lending library I keep for clients- this is saying something- I read and discard probably 6 or 7 financial books to every one I keep to lend. My husband and I are getting close to retirement too and I think this book will be helpful in convincing my husband that it really is okay to retire now- or soon anyway.

The Charlton's philsosphy about money and dedication to saving is inspiring, and I wish this could be taught in schools. Many people do not have the dedication to do this but some simply don't know its possible. I wasn't a fan of all of the investment advice, but I concede that its very difficult to give investment advice in a book- the market is situational and clients are individuals after all! This book isn't really about investment advice though- its about saving to meet a goal and I did appreciate the Charltons telling what they DID, warts and all. I found the discussion on taxes in retirement very interesting. Overall I think this is a blueprint that could work for a lot of people. Our situation is different as we have 2 grade-school age children, but it won't be difficult to adjust the calculations for that.

I wish they had covered a little more about how they allocated their spending AFTER retirement- I'm pretty good at the saving part, but accurately calculating how much I will need to travel and live in retirement is a little scary for me. Did they calculate correctly, underestimate? Did they forget to include anything in their calculations? I would be interested to know what percent of their income goes to trips and how much goes to daily living expenses. By the way, I wrote down my retirement date- it felt great!
40 people found this helpful
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dajo99
4.0 out of 5 stars and really enjoyed it. Easy to read
Reviewed in the United States on October 17, 2014
Verified Purchase
One of the first books on retirement I read, and really enjoyed it. Easy to read, and I liked that the authors laid out literally everything they did, with a lot of detail on their personal finances. Would recommend it to anyone starting to learn about retirement, even if you aren't planning on retiring early.

However, one issue I had with the book is that the authors assume throughout the book that if you follow their example, you too can expect to retire in 15 years, maybe 20 if you have children. I suspect they may be greatly underestimating how important the timing of their investments was to their success - they started in the '90s, when the stock market was doing exceptionally well, and sold their house in 2006, at the peak of housing prices and just in time to avoid the housing crisis. As I recall, the authors acknowledge this only briefly somewhere in the middle of the book.
10 people found this helpful
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Sabrina Oesterle
5.0 out of 5 stars The perfect book on early retirement planning
Reviewed in the United States on March 4, 2014
Verified Purchase
This is a fantastic book. If you are interested in retiring early and want to figure out how to, and I mean not only theoretically, but in a completely concrete and hands-on way, then this is exactly the book you need. I cannot recommend this book highly enough! It is pragmatic and creative at the same time, helping you to think outside the box a little (if you want to). If you are interested in a simple lifestyle but rich with experiences (not a life of material things and status), then you will like the tone and ideas of this book.

I have been thinking about the idea of retiring early (or at least partially retiring) for a little while now (I am 43), but mostly as a pipe dream that I always dismissed. Because how in the world would that be possible? In part because I couldn't see how to pay for health insurance. That's why I really appreciated the chapter on health care in retirement in particular.

I read this book basically in one sitting because I got so excited as I was reading along because I realized that this early retirement idea could *actually* work! And it motivated me to go out on a limb and throw out a really crazy idea and see if I could retire in 10 years (by age 53). With the help of the Excel spreadsheet from the author's website, I pulled together all of the required financial information and played with several scenarios. And guess what! I think it may actually work!!!! I also went over it with my financial planner who uses her own retirement calculator, but with my numbers, we basically came to the same conclusion. Knowing that I have the option of early retirement (if I actually do it or not) has given me a completely new outlook on my future!
40 people found this helpful
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trailrnr
5.0 out of 5 stars Helped me get un-stuck and start my retirement planning
Reviewed in the United States on February 12, 2018
Verified Purchase
I found this book when searching online about how to retire early. I just had decided to try putting myself on the 10-year plan for retirement or semi-retirement, and wanted to know how to go about doing it.

This book is laid out in a very clear and logical manner and explains how to plan for retirement in various scenarios...kids vs no kids, retiring in 10, 15 or 20 years, anticipated expenses in retirement...different ages at retirement, which determines how much of your portfolio should be in tax-advantaged accounts, how big your nest egg needs to be, etc, etc. In this book, I was always able to find an example applicable to my situation, which allowed me to come up with a clear plan.

Until now, I had put off any sort of realistic planning for the future, including investing money, because of all of the uncertainty and conflicting information out there. I was paralyzed and just avoided the whole subject because it was ambiguous and “icky.” I’ve had this book less than a month, and I have set up investment accounts based on information I’ve read in it. Now I have a clear plan to follow going forward, while not obsessing about the stock market. Of course there is always uncertainty, but now I have a better understanding of the different variables and it is not as complicated as I once thought.

If you are a beginning investor or someone who has avoided thinking about retirement planning because it was too overwhelming, I highly recommend this book!!!
4 people found this helpful
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Top reviews from other countries

Tony CI
5.0 out of 5 stars Practical & Simple Book
Reviewed in Canada on July 7, 2019
Verified Purchase
Lovely book! Very practical stories from the authors. They motivated me to continue on a path I was already on. I got this book because they were very honest and straight forward in their approach. I enjoyed the invest in yourself option, that is something we easily overlook today!
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maxwell mcfluffybutt
4.0 out of 5 stars A good book and a worthwhile read
Reviewed in Canada on December 14, 2017
Verified Purchase
A good book and a worthwhile read. As a Canadian, I wish some information had been provided for those of us about to FIRE north of the border.
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Amazon Customer
4.0 out of 5 stars Important read!
Reviewed in Germany on November 16, 2018
Verified Purchase
Great book, the end chapters are very U.S focused, but overall a good read. The spikes in income that the authors had (good job!) can be a bit discouraging, because we have to earn so much more to make it where they did!
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