『Retire Young-ish』のカバーアート

Retire Young-ish

Retire Young-ish

著者： Adidas Wilson
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このコンテンツについて

 Retire Young-ish is the money podcast for Millennials and Gen Z who want freedom, not just finances. We break down investing, saving, side hustles, and the FIRE movement without the boring jargon. Whether you dream of retiring early, working less, or just living life on your own terms, this show gives you real strategies, honest conversations, and a few laughs along the way. Because who says planning for retirement has to wait until you’re old?Copyright Author Adidas Wilson マネジメント マネジメント・リーダーシップ リーダーシップ 個人ファイナンス 経済学
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  • What Is the 4% Rule for FIRE?

    What Is the 4% Rule for FIRE?
    2025/11/04
    The source provides an extensive examination of the 4% Rule, which is the foundational principle of the Financial Independence, Retire Early (FIRE) movement. It explains the rule's origin, noting that financial advisor William Bengen developed it in the 1990s using historical market data to find the highest safe withdrawal rate that would sustain a diversified portfolio for at least 30 years. The episode details the core mechanics, requiring savers to accumulate 25 times their annual expenses, and then withdraw 4% of that total in the first year, adjusting subsequent withdrawals for inflation. However, the source also addresses significant criticisms, pointing out that the original rule’s 30-year horizon is too short for early retirees, and recent economic factors like high inflation and low bond yields suggest a safer modern rate may be closer to 3.5%. Finally, the episode explores alternatives and adaptations, such as using variable spending and guardrails, to make the rule more viable for those seeking financial freedom today.

    “If you don't find a way to make money while you sleep, you will work until you die.”

    Warren Buffett
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    55 分
  • What Is the Difference Between Coast FI and Barista FI?

    What Is the Difference Between Coast FI and Barista FI?
    2025/11/04
    The source provides an extensive comparison of two popular strategies within the Financial Independence, Retire Early (FIRE) movement: Coast FI and Barista FI. Coast FI focuses on reaching a level of investment where compound interest alone will fund one's full retirement goal, allowing the individual to stop saving and only earn enough to cover current expenses. In contrast, Barista FI allows for immediate semi-retirement by accumulating enough funds to cover 60–80% of expenses through withdrawals, with the remaining 20–40% covered by a low-stress, part-time job, often selected for benefits like health insurance. The episode includes specific calculations, real-world examples, and a head-to-head comparison detailing the pros, cons, and psychological fit for each approach, ultimately suggesting a hybrid Barista-Coast model for those seeking both present freedom and guaranteed future wealth.

    “If you don't find a way to make money while you sleep, you will work until you die.”

    Warren Buffett
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    41 分
  • What Does It Take To Retire Before 40?

    What Does It Take To Retire Before 40?
    2025/10/30
    The episode offers a comprehensive guide to achieving FIRE (Financial Independence, Retire Early), defining it as reaching a point where passive investment income covers chosen living expenses, granting optionality rather than permanent cessation of work. The source meticulously outlines the financial mathematics required, such as the 4% rule (or the more conservative 3-3.5% rule for longer retirements) and emphasizes that the savings rate is the primary accelerator for reaching financial independence. Strategies covered include income acceleration through high-income skills and geo-arbitrage, expense compression using methods like house-hacking and extreme savings, and investment frameworks centered on low-cost index funds, real estate, and entrepreneurship. Finally, the text explores the often-overlooked psychological and relational aspects of early retirement, providing detailed case studies and an actionable 10-year plan for readers seeking to buy back their time.

    “If you don't find a way to make money while you sleep, you will work until you die.”

    Warren Buffett
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    1 時間 5 分
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