The Blog
Real strategies, real numbers, and real opinions on retiring early — without the fluff
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How Much You Actually Need to Retire at 40 (It’s Less Than the 4% Rule Says)
By Antonio Hill Type “how much do you need to retire at 40” into Google and every result tells you the same thing. Save more. Withdraw less. Aim for 3.5% instead of 4%, because your money has to last 50 years instead of 30. The thing is…the man who created the 4% rule already disagrees…
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The Stock Market Has No Risk. The Investor Does.
By Antonio Hill Let me be clear about something right up front. I am not saying the market never goes down. It does, often, and those drops can feel brutal when you’re watching your portfolio lose 20% in a matter of weeks. I am not predicting future gains or guaranteeing things will always work out.…
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Stop Diversifying Away Your Returns
By Antonio Hill Somebody told you to diversify. A parent, a coworker, an advisor, something you read at 2am on Reddit. Spread it around, don’t put all your eggs in one basket. It sounded responsible, so you did it and never questioned it. The part that they didn’t mention is that if you are under…
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Why the 4% Rule Is Too Conservative and Inflates Your Retirement Number
By Antonio Hill After taking your target annual spending, multiplying it by 25, and getting some number that felt like it was three decades away, somewhere in the back of your head, you started wondering if early retirement was actually possible for you or just something other people do. That number is wrong. This isn’t…
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How to Build Wealth in Your 30s. I Hit $1 Million at 33 on an Engineer’s Salary.
By Antonio Hill Building wealth in your 30s runs on three things. How long your money’s been in the market, how much you add to it, and what it grows at. Everything else is detail. I’m 33 with just under a million dollars invested. Engineer’s salary, normal town, no inheritance, no crypto run, no company…