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My Top 20 Reasons Why I Want to Retire Early

Updated on October 1, 2009

Why I Want to Retire Early

I’m still in my mid 30’s, still decades away from the official retirement age. I’m working all the time, even at night and during week-end and I thought I’ll be doing the same things for another 30 years. Then it hit me. Who says I have to wait that long before I can finally drop what I’m doing and retire? Honestly speaking, there are really times when I just want to drop what I do for a living and go on to official retirement. And who doesn’t? I’m sure there are a lot of people out there who are wishing the same thing as I do. Sadly though, instead of retiring early, what is happening right now is that a lot of people (by choice or not by choice) are retiring late in their lives or are not retiring at all.

My goal is for me to retire before I reach 50 years of age. Now how do I get there is another topic worth another hub. But for now, here are the top 20 reasons why I want to retire at an early age:

  • No waking up early in the morning just to get to work on time. I can go to sleep late and wake up any time I want.
  • No more long commutes to and from my clients’ offices.
  • Taking all my time in the morning to do my morning rituals. Drinking coffee, walking my dogs, eating breakfast – all these I can do at my own leisure.
  • No annoying phone calls from people I do not want to talk to during the day. Hey, it happens. There are really days when I feel anti-social and when I get to retire early, I can be anti-social any day I like.
  • Go to places on my own or with my hubby without the need to check in once in a while on what is happening in my office.
  • No deadlines, no reports, no tax filings (I’m an accountant, remember?) and no rushing to finish the jobs and reports on time.
  • No more overtime hours (hurray!).
  • No more arguing with my clients and the tax people (What do we argue about? Can’t tell, it’s confidential).
  • No more boring meetings or attending seminars that make me go to sleep in the middle of the event.
  • No more worrying whether I collect enough from my clients to pay off my people’s salaries, the office rent, the office utilities, supplies, etc.
  • I get to read the day’s newspaper from cover to cover.

  • I get to read more books, magazines, online articles, etc.
  • I have more time to do my hobby - cross-stitching.
  • I can study the investment instruments such as stocks, mutual funds, trust funds, etc. (assuming I have the money to invest in these, of course).
  • I have more time to learn about SEO writing, keywords and how to earn more on Adsense, Amazon and eBay. I can also take the time to learn Web Programming and Affiliate Marketing. Although by the time I reach 50, I’m sure there are other new ways to earn online.
  • I can focus more on creating and building up my passive income.
  • I have more time to go online and just surf the Internet.
  • I can have more time for my husband and my kids (if I ever have any of those). Right now, I don’t have any, so by the time I reach 50, they will still be like teen-agers.
  • I can focus on writing on Hubpages, reading more hubs, writing more comments and participating more on the forums.
  • I can afford to do nothing and just relax the whole day.

These are my top 20 reasons for wanting to retire at an earlier age than the usual 60 – 65 retirement years. I guess the bottom line is I just want to enjoy my life as I get older and older. Getting there maybe tough but having the determination to do so, I don’t doubt that I can reach my target age of retirement. What about you, when do you plan to retire? Or do you plan to retire at all?


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    • profile image

      itsme 4 years ago

      i am not looking to retire at all . i just don't go with the flow , i don't belive that waisting my time for things i don't like , going to offer me a better present or future .

      i happen to live once . and i don't want anyones plans take over my life , even if the plans are voted from the rest of the human kind .


      greetings from greece

    • Efficient Admin profile image

      Efficient Admin 4 years ago from Charlotte, NC

      I'm with you there Emie, these are great reasons to want to get out of the rat race. Sometimes you get to that point where you think, there's so much more to life than this stressful job! Great hub, voted up.

    • profile image

      Hfest 5 years ago

      I'm 37 and will be approaching retirement in about a year. suffered and OTJ injury and will be retired soon. I always dreamed of being retired and now its rapidly approaching and im not sure if im ready! lol . Will be making roughly 80K a year due to investment and pension, so im hope im safe for the future. A lot of my friends are from work and not being there has been a bit of a social change for me. Do I take on a new carreer or just chill and enjoy freedom?

    • profile image

      dan 6 years ago

      i'm 22 years old right now and i'm working hard to accumulate enough money and retire by the time i hit 30. Then i'll be able to meet my wife and tell her she will never have to work for the rest of her life and we will travel and enjoy each other's company until we die. There are way too many wonderful things to see and do in this world than to clock in and out of work giving up 8 hours of my precious time for the rest of my life!

    • profile image

      hazel 6 years ago

      hai naku,,,,,,,,n,c

    • profile image

      CA in CA 7 years ago

      I want to retire early too, sail around the world. I'm a little scared of not having anything to do (I own a large construction company so I am extraordinarily busy and work very long, hard hours) but I have a feeling things to do find you when you have free time. Somehow I find myself resenting the government with their apparently inexhaustible ability to create new regulations and taxes and I resent more and more the employees who seem to all be self-centered with entitlement mentalities. On a positive note, I do like the successes and the big money I earn, but sadly, I think I have let these become my identity.

      I hope you can fulfill your dreams, and who knows, maybe I'll be there with you. I'm 49 btw.

    • emievil profile image

      emievil 7 years ago from Philippines

      That's my fondest wish, to retire early :). But right now, that's nearly impossible unless my earnings here really take off and I have a doable part time job. But then again, that's not retirement hehehehe. Thanks for the comment Ms. Lita.

    • Lita C. Malicdem profile image

      Lita C. Malicdem 7 years ago from Philippines

      Haha! Don't ever consider retiring early Emie. Not unless you have enough savings to start an income-generating livelihood program and be your own boss! I've heard many who said just that when retiring was far from my mind. Now I have retired and until now my complaining friends are still in the service. Cheers!

    • yt55500900 profile image

      yt55500900 8 years ago

      Nice Hub !!!

    • emievil profile image

      emievil 8 years ago from Philippines

      Wow, sounds like you had a busy life, one that you really love. I think that's the downside of retiring early, sometimes you just miss the life. Thanks for reading my hub =).

    • neonlite profile image

      neonlite 8 years ago

      On a different tack - I retired at 72 years from running a team of 142 + 4 staff. I have to say I really miss the interaction, the buzz, the decision making process and battling every year to justify the budget increase I was seeking. Fortunately my team keep in touch with me and we frequently share coffee mornings and the occasional supper at a restaurant. I am now finding it very difficult to wake up in the morning and realise I have absolutely nothing to do today that cannot wait.

    • emievil profile image

      emievil 8 years ago from Philippines

      How true May. Doing fine, what about you?

    • mayhmong profile image

      mayhmong 8 years ago from North Carolina

      That would be something to look forward too!

      Sup my asian?

    • emievil profile image

      emievil 8 years ago from Philippines

      Hehe not always =P

    • Ultimate Hubber profile image

      Ultimate Hubber 8 years ago

      You are so rite on this.(like always :P)

    • emievil profile image

      emievil 8 years ago from Philippines

      Thanks UH. Don't lose that urge. Even if you retire, you may still want to do that career. I've seen lots of people who can afford to retire but who doesn't want to. They are still self-employed not because they have to but because they want to =).

    • Ultimate Hubber profile image

      Ultimate Hubber 8 years ago

      With these 20 reasons, retirement seems like a blessing. :)

      I wonder the urge to work which I have now at the start of my career(self-employed) would vanish with time?

    • emievil profile image

      emievil 8 years ago from Philippines

      Bingskee, how did you know I feel that way almost everyday? =) Thanks for dropping by. Here's hoping you can retire early after all.

    • bingskee profile image

      bingskee 8 years ago from Quezon City, Philippines

      sometimes going to work becomes very monotonous that it is such an effort to wake up in the morning!

      and yes, i also want to retire early but i am afraid i can't.

    • emievil profile image

      emievil 8 years ago from Philippines

      Thanks hubpageswriter. Wouldn't it be nice if we all retire early and just write, write, write =)?

    • profile image

      hubpageswriter 8 years ago

      I wanna retire early too. You have written this piece so well.

    • emievil profile image

      emievil 8 years ago from Philippines

      LOL. thanks for your inspiring words GH. Makes me guilty I did not erase your comment =).

    • GeneralHowitzer profile image

      Gener Geminiano 8 years ago from Land of Salt, Philippines

      Okay retire early but be be sure you'll write more hehehe...

      No more, no more and no more, and I have..., I have..., and I have...

      Write as great as you can be who knows this endeavor will help you retire early, with the way you toy with words, thoughts and letters you are bound for greatness emievil.

      Great Hub this is definitely one of the finest hub you've done wakikik.

    • emievil profile image

      emievil 8 years ago from Philippines

      Thanks everyone for your comments. It helps to put all these down in writing.

      SweetiePie, maybe when I'm in my fifties I can get to visit you and all the hubbers in California. Wouldn't that be something? =)

      Ben, LOL, I know the feeling.

      Ework411, LOL, I don't blame you. I saw your blog (didn't get to read much of it, sorry) and I think your waaayyyyy ahead of me in terms of online earnings. *sigh* how do you do it?

      Jacobkuttyta, thanks. Hope we can meet our goal to retire early.

    • jacobkuttyta profile image

      jacobkuttyta 8 years ago from Delhi, India

      It is a good idea to retire early. I too love to retire as soon as possible. I am sure, If you work with that goal in your mind, very soon, you will be able to achieve that. Wish you all the best

    • Ework411 profile image

      Ework411 8 years ago from Sunny Florida

      Ok, you've talked me into it with all your arm twisting. Now I want to retire early too :)

    • profile image

      Ben 8 years ago

      I would love to retire early!

    • SweetiePie profile image

      SweetiePie 8 years ago from Southern California, USA

      I know some people that retired in their fifties, so I am sure you can achieve this goal with all of your planning. Your accounting background will definitely give you a leg up in this area.