Why You Need To Retire Early

Is there really a need to ask why you should retire early?

Hahaha, ok joke aside - I'm being ultra-serious actually. Every one of us should have a plan in place that clearly delineates our financial goal and how to retire early.

  • Some like entrepreneurship and hustling
  • Some like to invest in businesses by being angel investors or venture capitalists
  • Some like land banking
  • Some like stock trading
  • Some like dividend stock investing (me included)
  • Some like property investing
  • Some want to take their businesses public
  • etc

There are so many ways to get there, but this article doesn't cover that.

It covers why you need to retire early.

#1 You Retire Early So You Can Focus On Getting Rich/Wealthy

Retiring early doesn't mean that you're rich or wealthy.

It just means that your passive income streams is more than your daily expenses, and thus you no longer have to make decisions that put food in your tummy or roof over your head.

You can fear less and focus more.

Many of the rich people are less distracted and able to better focus on building and improving their businesses or investments because they're retired.

#2 You Retire Early So You Can Live A Rich Life Doing Things That Matter

Many of us subscribe to a life where living is deferred.

We choose to wait and delay doing what matters. We wait 20, 30 or 40+ years to retire, to spend time with children or parents, or to do something that is more meaningful to us.

Often, it is too late. An example is my dad, who passed away in 2014. He was 59.

2014 is the year he was to retire, and he looked forward to it. I too, deferred spending time with family, opting to "build my business first THEN spend time with loved ones later" - I learnt the hard way about fragility of life and time on earth.

The earlier you retire, the earlier you can spend more time doing things you love or spending time with people you love, exercise and get fit, travel the world when you're still young and fit and more. Or be parents who are always available for their children. Or writing that book. Or starting that online business.

Whatever it is, retiring early gives you options in life, to live meaningfully.

Where to next?

Head to Home Page

Start with these:

  1. Start Here
  2. FIRE Manifesto
  3. FIRE 101 and
  4. The Passive Income Lifestyle Framework.

They are my recommended to start with articles that ties in the entire framework, philosophy and working model of FIRE Lifestyle

Save-Earn-Invest More Articles

  1. Ruthlessly Cull Unnecessary Expenses
  2. Respect The $10s
  3. Small Tweaks To More $10s
  4. $150K+ By 35 - Reality Or Delusion?
  5. Start An Online Side Hustle With Solo Build It
  6. Start Investing For Passive Dividend Income In Just 3 Days
  7. How To Retire With $3 Million
  8. Invest To Spend On Luxury & Liabilities (Whatever You Want*)
  9. Shocking Maths Of Early Retirement (It's Less Than You Think)

See more Save, Earn & Invest More articles here.


  1. Contact me by email at (even just to say hi) at nigel@nigelchua.com
  2. See the latest articles and updates at the blog
  3. Check out my resource page to see the tools I use
  4. See my top two resources for online business below: Wealthy Affiliate (left) and Solo Build It (right) - both have very specific strengths and functions

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One of my favorite points of WA is that they have a try-before-you-buy forever-free membership which you can sign up here for free. No credit card needed.

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