Hi everyone (waves),
I’d like to join this cohort retiring on 1st Jan 2028 if I may. This is a very quiet cohort compared with 2029 and 2030 but I notice many of the posters on page 1 haven’t logged in for well over a year. Hopefully there are loads of active 2028 forum members bubbling away in the background working diligently towards their goal.
I’ll be 50 (eek) in 2028 so I just wanted to beat that milestone and be able to say that I retired in my 40’s. I’m likely to be FI way before then but I’m using my RE date as the criteria for joining a cohort.
Months and months ago in my journal, I realised in talking through all this FIRE stuff, that I had two objectives. The first was to avoid having to work in my 50’s. I do feel that is largely a necessity rather than a luxury. I want to avoid stress, sitting at a desk and screen, deadlines and a lack of freedom when I move into that age group. The second objective was to ensure I could go part time as early as possible in my 40’s. I’m currently aiming for 44-45 for this objective.
Rather than FIRE I thought of this second milestone as Financial Accomplishment Reducing Time. I.e. FI hasn’t quite been achieved but nevertheless a significant financial accomplishment has been, and this would allow me to reduce to hopefully a 2.5 or 3 day working week. Unfortunately as an acronym this is FART rather than something cool like FIRE. I always seem to get unlucky on things like this. So I’m a wannabe FARTer and I’m proud of that what anyone says. We have to embrace what we are.
I have since learned there are phrases like CoastFI, SWAMI, lean FIRE etc. This sort of thing is all good! Basically I want to avoid grinding out a full time stressful position just to hit some number. I want to live as healthy a life as possible as soon as possible.
The additional years part time will help provide State Pension credits and basically means I’m spreading the amount I need to save over a longer time period to minimise the amount of full time years I work.
Let’s do this 2028ers!
