The Super Modest Overhead Of The Ultimate Semi-Retired Person
Who makes much, much less than $150,000 a year
To be up to speed with today’s installment, it’s ideal to have read yesterday’s—
In it, we took a methodical look at a relatively conservative budget of a couple (no kids!) looking to live a modest version of the American dream. Today, we contrast that life with an even more modest, though I argue (obviously!) more exciting and less stressful semi-retired life with less income, probably more savings and a fraction of the overhead.
But first, welcome to all of the free, paid and founding members who subscribed to the newsletter after reading that post. I appreciate it. Our most recent founding members are from Brooklyn; San Francisco; Chandler, AZ; Reston and Henrico,VA; and Bath, England. A subscriber who opted for the $50 annual membership lives right in the heart of Manhattan. I’ll say it one more time—we have an incredibly diverse group. Which is sort of a guiding theme of today’s installment, as you will see.
This message came along with one of the founding memberships—
Thank you! We are close to retirement but even with a great pension - and social security for both of us - I have a lot of uncertainty about retirement sustainability in the US.
Thank you. And I agree.
Today’s discussion underscores this uncertainty.