Reply to if you were able to retire early (55-62) how did you do it

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Retired at 54.  I didn’t expect to do this, but as a Fed, the perfect storm- Trump, Musk, DOGE, etc, made my decision to take an early retirement pretty easy.  Sure, I am leaving money on the table - kind of, but no longer have a 45 mile commute each way and I have more time for family and doing things I enjoy. Also, I don’t have participate in Fed/corporate mumbo jumbo of endless meetings and pointless taskers that only exist to placate an ever growing team of middle manager bureaucrats.

How was I able to do it?  I just did it.  I have a small pension, healthcare from Fed retirement, spouse works and I like to think we somewhat live within our means.  We enjoy our life, but stayed in our starter home and have a decent amount of savings.

[/quote]

you are a SAHM not retired. [/quote]

I don’t work.

I am not seeking work.

I have a pension.

How is this not retired?[/quote]
In a similar boat here—Fed who took early retirement recently at 56 and have no plans to work again, one kid still at home. [b] Not sure why the SAHM vs fully-retired distinction is important to anyone.[/b]

I felt comfortable retiring because:
Older kids are done with college and plenty in 529s for college for teen or grad school for older kids.
Paid off house.
Plenty of savings, plus small pension and Fed health insurance.
DH will work for another few years.
We are not big spenders, though look forward to fun travel once DH retires and youngest is no longer at home. 
[/quote]

A SAHM lives off husband's income... that's not "retiring from work". 
[/quote]
That’s a weird way to look at it.  I retired from work with a pension, affordable health insurance that covers DH and our 3 children, more than $2.5 million in my TSP plus non-Federal IRA,  and significant brokerage funds that I’ve contributed to through the years along with DH. We’ve reallocated how we pay for some of our bills, but I’m still contributing to our net worth in retirement.

Not sure that it’s relevant that we still have a child at home either.  Seems like you just want to use “SAHM” as an insult.[/quote]

My wife is a SAHM for 25 years now. She is not retired. She is a Homemaker and Mom a full time job. [/quote]

She’s not retired because she didn’t have a job.[/quote]

She actually worked full time 15 years on Wall Street and has a 7 figure 401k. But she is not retired as she is a Homemaker and Mom. The hardest job in the world.     [/quote]

No one is talking to you...why are you taking it personal?

A full time SHAM does not retired from a job, period.

[/quote]

And federal workers do they also not retire since not a real job?  [/quote]

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