Category: Retirement

18

Retiring early is about embracing the unknowns

Retiring early was my dream for many years.  But I didn’t get serious until 2007, when there were a lot of re-shuffles where I worked at as an engineer.  And it got worse and worse as time went on. The overall moral was very low.  The work load and stress was suffocating.  As a result, I started speeding up my saving and investing, and preparing for my early...

14

Sacrifices related to retiring early

I had the interview with Brian Bienkowski of debt.com lately.  One question Brian asked was: “How did you retire early, you must have made sacrifices?” A good question.  It gives me a new perspective to look back at my journey.  What sacrifices did I make in order to retire early? No fancy clothes or handbags: Several years ago, a friend of mine came to visit me.  She was from...

10

Caution when investing in employer stocks

Lately I’m reading the book “Nudge” by Richard H. Thaler and Cass R. Sunstein.  Mr. Thaler is an economist, and won the Nobel Prize because of his research on behavioral economics. One section of the book talks about Company Stock.  One employee of former Enron invested all his money into the Enron stocks, during his 30+ year career.  One time his investment peaked to $1.3 million. He retired...

7

Three-minute fame

Lately I had an interview with Brian Bienkowski, a staff writer of debt.com.  Brian published an article about me: “After Almost Losing Her Investments, Helen Retired At 49 – Not bad for a person who never heard of a 401(k)”. I was joking with my family, and called this interview my three-minute fame. You can see that, Brian’s excellent and professional writing is very different from my amateur...

12

Does retirement guarantee a happy life?

Many people wonder: does retirement guarantee a happy life?  This is how I feel:  not necessarily.  It depends on each individual. Here are some personal stories. My dad: My dad retired when he was close to the age 60.  He had been teaching the primary school students for over 30 years.  At the end, he was too tired to deal with the young kids.  I don’t blame him. ...

8

Delayed gratification

Delayed gratification or instant gratification?  This is the choice we have to face every day. Nowadays, the vacation has not started yet, the message is already out:  Jane Doe is going to see Asia.  Once she is there, the pictures are like a waterfall: it never stops on the Facebook, Twitter, Instagram, etc. What are you thinking after seeing your friends’ beautiful pictures?  “I wish I were there”,...