5 easy steps to retire one year earlier than you thought -- many have followed; will you?

Do you want to join the group retiring a year; 2 years; or even 4 years earlier than they planned? See these 5 steps. Can I retire now? Retirement planning.
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Complex Plan Creation Recommendation: Neil Fortwendel 812 471 2492
Neil created my plan. This is a one time fee for creation.
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PLEASE STOP USING Spreadsheets! It falls way short optimizing every retirement factor
Retirement Tool Link I reference and highly recommend -- New Retirement. Free 2 week trial. $120/yr after. You will buy this after trying (I have purchased for 3 years).
www.newretirem...
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RECOMMENDED FINANCIAL ADVISOR
Neil Fortwendel with Northwestern Mutual ph: 812 549 5213
Video by Lean Driven Reliability LLC
This is not investment advice. For entertainment ONLY. Seek professional help to understand your unique situation.
#retirement #retirementplanning #retireearly #retireearlyandtravel #financialfreedom #financialindependence #retirementincome #retirementstrategy #findingpurpose #keto #ketodiet #ketovore #hiit #hiitworkout #healthylifestyle

[@joekuhnlovesretirement]

*_PLEASE STOP USING Spreadsheets!_** It falls way short optimizing every retirement factor* Retirement Tool Link I reference and highly recommend -- New Retirement. Free 2 week trial. $120/yr after. You will buy this after trying (I have purchased for 3 years). www.newretirement.com/?nr_product=NRC&nr_a=35&nr_medium=affiliate& -------------------------------------------------------------------- Need a CFP to create your retirement plan for a one time fee? My Recommendation: Neil Fortwendel [phone]. Neil created my plan. Plan updates as you wish for a smaller fee. Check Neil out on Facebook and LinkedIn. ---------------------------------------------------------------------- *DO NOT GO IT ALONE!!!!!!!* *Money Pickle - FREE! use link to set up a FREE 45 minute dialog with a Financial Advisor* No obligation. Get answers to your questions. Get an expert to look at your plan. moneypickle.com/joekuhn

[@rhondavigil795]

We retired at 52 and 55. The goals were 55 and 58. We started talking to financial advisors, watching KZbin and researching the rule of 55. We were confident in our plan and our decades of investing. We have been retired for about 2 years now. No regrets. So much information is right at our fingertips.

[@randolphh8005]

“ I like my job! Just one more year will make me comfortable!” Those are the two for most that prevent pulling the trigger. Balance that with, “I could have retired a year earlier”. That was absolutely true for us. If you think you might be ready, you probably were ready last year! The above is our experience retiring at 63. Certainly you need planning, but getting your MonteCarlo to 90% plus will keep you working! Just do it. You can make adjustments. Life is short and retiring early will likely allow you to have a healthier and longer life.

[@julieg.5718]

Another great one, Joe! I’ll be 61 in July and, thanks to the knowledge and confidence I’ve gained from KZbinrs like you, Dwayne, Josh Scanlen and using New Retirement-I will be retiring 1.5 years earlier (January 2026) than I had been planning!! My husband will retire 1.5 years after me, and our years of sacrificing some things today to save boatloads into our 401k and 403b savings, his pension, and both of our social security payments are going to give us a very nice retirement life style!

[@joekuhnlovesretirement]

Well done

[@peardisplay]

jan. 26 was my goal but thanks to josh and joe im pushing for earlir. good luck to u and ur Hubby.

[@julieg.5718]

@@peardisplay thank you! And good luck to you as well!

[@anthonynewhouse5695]

My goal was Jan 2025 but each year I work is another we'll get another $6000 in annual retirement income and another $9000 in investment money. So, I've pushed it out one more year and will be joining you in the retirement ranks in January 2026 too.

[@julieg.5718]

@@anthonynewhouse5695 The extra $6k annually for life is a good reason to work "just one more year", I can understand that! Good luck with your continued planning and dreaming for life in 2026, too.

[@dforrest4503]

One thing I think a lot of people don’t realize is if your job takes up 60 or 70 hours or more a week, which most do with commuting and thinking about work even when you’re not at work, then it’s hard to think about life after work. I know some people are worried about being bored, but when you’re so haggard you can’t think past the next week, then it’s not surprising you can’t envision retirement.

[@joekuhnlovesretirement]

Well said

[@anthonynewhouse5695]

It is sad imho. I can't wait to retire and do what I love to do. I'll be exercising daily, spending time with fellow believers discipling them in the Lord and traveling. So much to do other than work at a place of employment.

[@richp5064]

You missed the most important point. Spending the time to educate yourself. Most of the fear of retiring is not knowing what to do with thier money. I retired at 51 a lot of my coworkers made remarks about how I'm retiring to early. All of them would ask me about investing or financing. I would try to direct them but most just don't want to put the work in. Then they listen to financial advisors telling them they need a ridiculous amount if money to retire. So people go learn about money, investing finances.

[@richardwysocki7490]

Wish my parents/dad would watch this. He’s 82 and still working.. but he’s doing it to keep busy and he’s worried IMO. He’s parents ran out of money. He’s worried about spending any money

[@russellmcguire312]

Joe- love what you’re doing here on KZbin. Your insights and your authenticity set you apart. Well done and congrats!

[@SiempreFlor]

My husband and I love to see your videos thank you so much for your time sharing with us .

[@TimToWander]

Thanks for all you do, Joe. I hadn't even dreamed about retirement until I was forced to wake up early this year when a close friend passed away unexpectedly within weeks of his planned retirement at a young age. At 53 and post-divorce, I assumed I would have to work until full SS retirement age. Between you and several other content creators mentioned, I think I can make it happen before 60 with some focused planning and spending discipline. I already recognize the most challenging thing for me will be calling it a career while I'm at my peak income. When I look at my historical earnings on the SSA site, the younger version of me would have had me committed for walking away from the money. Thankfully, I have a little time to breach the "one more year" wall.

[@lonnieklinkenberg1166]

Good video Joe, happy to see you out and enjoying yourself - retiring after 23 years with DoD on 31 May

[@timiseminger560]

This is a great video. New retirement made a huge improvement in my confidence to retire. I had the spreadsheets and I have a really good fiduciary. Both said I could retire, but it was the New Retirement that pushed me over the top. We retire in 6weeks…to community, health, travel, and learning new things I simply haven’t had time for in over 30 years of working. Thanks, Joe, for all you are doing.

[@joekuhnlovesretirement]

Great testimony

[@bobkatc9368]

Health care and taking care of parents are sometimes the two biggest obstacles.

[@PorscheSpeedster-kz6nc]

Starting to diversify on these videos. Looks like Azul’s format is working for you!!! Nice job.

[@joekuhnlovesretirement]

Glad you like them!

[@jimrinard1969]

Because of your recommendation, i purchased New Retirement. One of the best things i have done concerning retirement planning. Thanks for the tip!

[@joekuhnlovesretirement]

Wonderful!

[@OurRetireEarlyJourney]

We are driving to retire 15yrs and 13yrs earlier than the normal retirement age. We might even be able to pull that up a year earlier if the market stays up and if we continue to be diligent saving/investing. We appreciate your content.

[@joekuhnlovesretirement]

Great. Don’t forget to live now. Retirement is fantastic but so is your youth

[@OurRetireEarlyJourney]

@@joekuhnlovesretirement Thank you for the advice. We are finding that balance. We have been budgeting in travel a few times a year and add in some entertainment to ensure we aren’t just saving to hit the goal line.

[@voodoodrug]

Best thing i ever did, wish i had the courage to do it earlier. It’s like an addiction…. Retired at 48. I’m 61 now. Downsized and hacked. If I go too deep I will get banned or deleted….quality of life went through the roof. God will catch you !

[@stephenwright133]

I’m retiring in 2 weeks. My wife and I are looking forward to an array of activities after that time. These tips were spot on!

[@joekuhnlovesretirement]

Congratulations

[@martybabitz9590]

Fantastic video, Joe! I certainly agree with Step 4 as being critical - without the example of someone like you, who I and others can relate to and see and hear about successfully living an epic retirement, it is exceedingly difficult to break the strong gravitational pull of one more year and naysayers telling you that retiring early is dumb financially/you’ll be bored blah blah blah. It’s been the difference maker for me! Thank you!

[@joekuhnlovesretirement]

Always my #1 subscriber. Thanks for kind words and the impact of my story. I do love helping.

[@Jim-r3r]

Thanks Joe, love watching these videos. Planning on retiring in October and yes very nervous but can’t get pass the good health and I can’t buy time

[@genglandoh]

I am retiring in 12 days your videos did help me retire earlier but I do not know by how much because I kept moving the goal posts. For me this was how the fear of retiring changed me. Make excuses to work longer. These excuses where just a smoke screen to hide my fear.

[@conureron3792]

After binging on Mr Ballen videos, when I hear someone is hiking in the deep woods I get a little anxious . Lol , don’t become the subject of a Mr Ballen video, Joe!

[@minns01]

Thanks as always Joe. Your ‘Retire to something’, is what really resonated with my wife and I. We are now retired in Portugal and living with confidence in our plan.

[@joekuhnlovesretirement]

Fantastic!

[@brassj67]

I thought i would have to retire at 65 but I am now convinced I can easily retire at 63. The fact that I can save up to 60% of my earnings even with a mortgage gives me the confidence that I will have more than enough in retirement. Mortgage will be paid off when I am 60, much earlier than I anticipated so the last 3years will give me the opportunity to boost my retirement savings. Good advice. You have to remember that you are in the spending stage of your life in retirement, m=not the saving aggressively for retirement stage.

[@BobbyBobbieCrowley]

Another great video Joe Thank from Bobby and Bobbie just retired 60 and 59 still ironing out expenses ( 1 house too many but watched your videos and took them to heart )

[@thestudystrategist2219]

Great info., and what a nice setting for your video. I could hear the stream! Thanks for the tips!

[@conureron3792]

Retiring to something, apparently isn’t a static thing. It evolves or can change.

[@hanwagu9967]

so true...maybe just take the pressure off and just retire into retirement.

[@donnabremerman1423]

Great advice as always, Joe! Not just financial advice but life and LIVING advice. ♥️

[@joekuhnlovesretirement]

Absolutely!

[@richardwysocki7490]

Love the videos. Not able to jump out as quickly as you but hopefully 62 or 65. No way going out at 67… per the plan

[@Aculus1]

Thanks Joe! I like step 5 the best.

[@peggyowens5475]

Love Wa state! Hope you get back there next year. I moved my date up today feels good! Will be 2 months sooner this year. Life is short!

[@careym8437]

My husband is 56, I am 53, our youngest will be a senior in high school next year. We probably could retire right now but it feels weird to do still having a child in high school. I don’t know why that’s a mind block, we are tired of working and we are grandparents. Have a lot of trips planned in the near future both with kids and without. I keep justifying continuing to work so we can pay for travel without drawing down our savings although it’s maybe not necessary. Ugh

[@joekuhnlovesretirement]

Tick tick tick. I know where you are mentally. Been there.

[@tcwaz]

Our youngest is will be a Senior this next year. My wife and I are retiring next May when she graduates. Countdown is on! We could go now, but I feel we would abandon her and travel all the time.

[@mleii1169]

FWIW I want to retire now, biggest issue is housing. I used to own a house but sadly I lost it mostly due to issues outside of my control. I've been working hard saving for buying another and now at the point I could buy one but hesitating as I am close to wanting to retire and not sure how to handle this aspect, especially with the prices of houses. Want to buy as I like owning and I'm worried that rent will continue to grow at the high rate it's been growing for a while. This would be my biggest cost and biggest impact to my retirement. :(

[@joekuhnlovesretirement]

Thanks for your story

[@hanwagu9967]

Owning a home isn't the end all, so you might re-evaluate why you want to buy a house as well as the pros and cons especially going into retirement. Azul Wells has a 5 months old video on rent v own home where he brings up some good considerations to weigh. You might like Ramit Sethi's (I Will Teach You to be Rich) or JL Collins' take on the subject, too, among others out there.

[@garyhollywell2112]

good video Joe thanks

[@DionTalkFinancialFreedom]

Thank you. Great stuff.

[@ray29601]

Think I saw Bigfoot behind you . 😂😂😂. Great advice as always sir .

[@freedomlife3623]

wish New Retirement will take my request & launch their service for Canadians.

[@joekuhnlovesretirement]

Me too

[@joethecomputerguy1]

I was considering starting a group of people to run plans past each other. I am really versed in this stuff but not a financial advisor. Anyone wanting to be part of a group reply below and let me know. I retired at 52 in 2017 and lived it since then.

[@hownwen]

Thanks Joe. Going to try your guy and the pickle 😊 thank you!

[@joekuhnlovesretirement]

Wise people learn from others

[@user-ty2uz4gb7v]

I'd like to hear from the people who believe they retired too early.

[@joekuhnlovesretirement]

Crickets

[@christinab9133]

❤❤❤

[@richardwysocki7490]

I want NewRetirement!! Maybe next years for fun. Still only 51 so plenty of time

[@joekuhnlovesretirement]

It’s a great tool 5-10 years from retirement. I suggest you get for one year to create your plan, then let it expire for a year or two. Planning is critical and you have more leverage now.

[@Blinky1li]

Keep your eyes open for bigfoot.

[@jenniferlazaro2416]

Hi Joe. I love your videos. Sadly I cant use New Retirement as I live in beautiful Australia. Any recommendations for similar software downunder? Thanks for your simple, authentic, factual experiences. 7:04

[@joekuhnlovesretirement]

Sorry no. I love your country. Been to WA and Portland for work - Alcoa.

[@jenniferlazaro2416]

@joekuhnlovesretirement Thanks for taking the time to respond mate! Will still watch all your videos - love them.

[@robertsleeth861]

Is New Retirement easy to use? I mean like really easy for idiots like me? I plan on retiring at the end of next year but I don't have the confidence to do it myself. I'll most likely need a financial advisor. I've seen soooo many retirement videos (mainly from Joe and Josh) and I still don't have a clue on what to do.

[@joekuhnlovesretirement]

Call Neil. Tell him you got his name from me. He can create a plan far cheaper than full assets under management percentage. Free call.

[@robertsleeth861]

​@joekuhnlovesretirement Thanks Joe. I talked to Neil a couple of years ago (great guy!) He said I was close but not quite there. Plan on calling him again soon.😊

[@saulkravitz]

How much would one expect to pay Neil or another Financial advisor for a one time review?

[@joekuhnlovesretirement]

$3000 for full plan creation, review, changes, etc. Then $1000 to update. This can be annual or whatever time period. I have seen plans range from $3-8K. New Retirement (the software I use) has a service for $1500, but I have no experience with this service. Neil and I have worked together nearly 6 years. Spend the extra and go to him is my advice.

[@noreenn6976]

I'm way behind on saving, will new retirement help me or will it just confirm that I'm way behind? I already know that 😢

[@joekuhnlovesretirement]

It can help you craft a comeback plan. What actions have biggest impact on your?

[@wernermueller9004]

Hi, Joe - enjoy your videos. Quick question. My wife and I are in our late 50's. Can New Retirement consider that we may use Roth IRA's from, say, Age 60 to 65, to keep our income down and receive ACA tax subsidies?

[@joekuhnlovesretirement]

Yes!!! You pull a distribution directly for Roth to checking in the years you want.

[@JamieElgie]

Joe: did you use the rule of 55 to release funds from a 401k early or did you just save a lot elsewhere? If you answered this in a video just let me know and I’ll go find it. Am looking to retire at about the same timing and am trying to figure that out.

[@joekuhnlovesretirement]

I saved in a deferred compensation and brokerage account. Searc how I retired early

[@kennyhart2699]

Does the New Retirement link below give you the version with everything or is it a cheaper version? I've finally decided to get it but I want the best version

[@joekuhnlovesretirement]

Start with free link. It will give you options for a paid version for $120. This is what I purchased

[@PorscheSpeedster-kz6nc]

The free version is garbage. You need the $120/year version! It comes with first 2 weeks free.

[@MichaelTaylor-uc1el]

Thanks Joe!

[@pearleelife]

🍺

[@whatsup3270]

Working wife? Too many talking about the great retirement have a working spouse.

[@joekuhnlovesretirement]

My wife was not employed.

[@whatsup3270]

@@joekuhnlovesretirement thanks, I asked for very important issue; all streams of revenue & insurance. I see many hide revenue and insurance sources which creates great error.

[@whatsup3270]

New Retirement was disappointing, selection of returns (optimistic, average, pessimistic) was everything

[@joekuhnlovesretirement]

Hmmm. Rare feedback

[@k9rexo]

Not sure what you mean by "everything" but there are so many variables you can manipulate from returns, saving, spending, etc. You can also manipulate the optimistic, average and pessimistic as they are based on your inputs. It might take a while to get comfortable with all the capabilities, but have found the output plan is essentially the same that my paid CFP provides. I've had NR since 2020 and will be keeping it

[@whatsup3270]

@@k9rexo I haven't ruled out that it could be a fluke of some kind I don't recall setting any rates of returns. I have no idea what they had in those boxes or even where to find those boxes. The credibility killer was that the "optimistic button" indicated I was already working to long, and the "average" and "pessimistic" button were far to similar and far too drastic when compared to optimistic. Btw I run a stock rich portfolio, always have and need to break that habit now, and I have a math background, so I have done many inflation adjusted spreadsheets. I understand Monte Carlo, etc. Things as the tax planning which could be a game changer was not available in the demo.

[@whatsup3270]

@@k9rexo I haven't ruled out that it could be a fluke of some kind I don't recall setting any rates of returns. I have no idea what they had in those boxes or even where to find those boxes. The credibility killer was that the "optimistic button" indicated I was already working to long, and the "average" and "pessimistic" button were far to similar and far too drastic when compared to optimistic. Btw I run a stock rich portfolio, always have and need to break that habit now, and I have a math background, so I have done many inflation adjusted spreadsheets. I understand Monte Carlo, etc. Things as the tax planning which could be a game changer was not available in the demo.

[@wmeida]

Que ruim este canal se tornou, só venda. Nada bom