How I Retired Early at 35: My Journey to Financial Independence

FIRE Retirement

Are you dreaming of retiring early, escaping the daily grind, and living life on your terms? It’s a goal that many people aspire to, but few achieve. However, I’m here to tell you that it’s possible because I retired early at the age of 35. In this post, I’ll share my personal journey to financial independence and early retirement, along with some key lessons and strategies that helped me reach this milestone.

Setting the Early Retirement Goal

My journey to early retirement began with a clear goal in mind: to achieve financial independence by 35. I firmly believed that having control over my time and finances was more important than working until traditional retirement age. To make this dream a reality, I took the following steps:

  1. Financial Planning and Budgeting

    I started by creating a detailed financial plan. This involved tracking my expenses, setting a budget, and identifying areas where I could cut unnecessary spending.

  2. Savings and Investment Strategy

    I focused on saving a significant portion of my income and investing it wisely. This included contributing to tax-advantaged retirement accounts, diversifying my investments, and taking advantage of compound interest.

  3. Building Multiple Income Streams

    To accelerate my journey, I explored various income streams beyond my 9-to-5 job. This included side gigs, rental properties, and eventually, passive income from investments.

  4. Continual Learning and Up-skilling

    I remained committed to learning about personal finance, investing, and entrepreneurship. Continuous education helped me make informed financial decisions.

Overcoming Challenges

Retiring early wasn’t without its challenges. There were moments of doubt, market fluctuations, and unexpected expenses. However, by staying committed to my goal and adapting to these challenges, I was able to stay on track.

Enjoying Early Retirement

Retiring early at 35 has given me the freedom to pursue my passions, spend more time with loved ones, and travel the world. It’s a life that’s focused on experiences rather than material possessions.

Lessons Learned

My journey to early retirement taught me some valuable lessons:

  • Start Early:

    The sooner you begin your financial journey, the more time your investments have to grow.

  • Live Below Your Means:

    Avoid lifestyle inflation and prioritize saving and investing

  • Diversify Your Income:

    Relying solely on a traditional job can limit your options. Explore multiple income streams.

  • Stay Informed:

    Knowledge is power when it comes to personal finance. Continually educate yourself about money management and investing.

  • Stay Flexible:

    Life is unpredictable. Be prepared to adapt to changing circumstances and setbacks.

So how do I spend my time?

After retirement, the question of what to do looms large for everyone. For me, the answer is to continue doing what I love within my familiar workplace but on my own terms. As a software developer, my passion for my craft remains undiminished, and I now have the freedom to handpick the projects that truly excite me. This journey is not about chasing a higher paycheck; it’s about my unwavering commitment to personal and professional growth.

Moreover, my love for travel has found its place in this newfound freedom. I may find myself working from the vibrant streets of India one day and the enchanting cities of Europe the next. With financial worries behind me, my earnings today are not savings for the future, but a means to savor the present moment, to relish life’s experiences as they unfold.


Retiring early at 35 was a dream come true for me, but it required discipline, planning, and a long-term perspective. While my journey may not be identical to yours, the principles of financial independence and early retirement can apply to anyone willing to make the necessary commitments and choices.

Remember that early retirement is not about doing nothing; it’s about having the freedom to do what truly matters to you. Start your journey today, set clear goals, and take the steps needed to achieve your own financial independence.

If you have any questions or would like to share your own early retirement journey, please feel free to comment below. Together, we can inspire and support one another on the path to financial freedom.

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