The hottest Retirement planning Substack posts right now

Reading investment books helped shape my investing strategy over time. It's important to learn from different sources and experiences.
I consistently invest in an S&P 500 index fund every month. This approach has helped me stay focused on long-term growth without getting caught up in market fluctuations.
Having a high conviction strategy means holding onto a few strong stocks instead of constantly buying and selling. Patience has often led to better investment outcomes for me.

The percentage of American households investing in stocks is at an all-time high, showing strong interest in the stock market. Many people now understand how important it is to invest for their future.
Over half of Americans believe stock prices will keep rising. This can be seen as optimistic, but some worry it's a sign that the market may soon turn downward.
Educational efforts around investing have improved, making it easier for people to understand the importance of stocks. This is helping more individuals make informed investment decisions.

Anticipate the financial consequences of your career on retirement
Choose appropriate savings solutions for your personal situation
Consider differences in retirement benefits between employees, self-employed individuals, and business owners

Realistic retirement planning is crucial, especially considering the impact of debt and the average 401(k) balance.
Advice on saving more and saving earlier is important, but should be realistic and consider individual circumstances.
Retirement planning should acknowledge competing priorities and be approached with creativity and understanding, without judgment.

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The blog documents the author's journey to achieve FAT FIRE.
The author is a UK-based Software Engineer with most of their income from a regular job.
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The FIRE movement focuses on saving aggressively to achieve financial independence and retire early by living off investments.
Popular FIRE community advice includes maxing out a 401(k) despite the access limitations before age 59 1/2.
Strategies like the Roth Conversion Ladder and Rule 72(t) offer ways to access 401(k) funds early without penalties.

Financial independence is important because it opens up opportunities and allows for more freedom in decision-making.
Achieving financial independence involves passive income exceeding living expenses, emphasizing the need to save and invest.
Starting to save and invest early, tracking expenses, cutting unnecessary spending, and setting savings goals are key steps towards financial independence.