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5 Reasons to Plan for an Early Retirement

Retiring Early Isn’t About Money, It’s About Time

6 min readSep 21, 2025

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Photo by LOGAN WEAVER | @LGNWVR on Unsplash

You can make more dollars. You can’t buy back years. In this article, I’ll share with you the five reasons to retire earlier than you think and the simple math of why that makes sense.

You may have heard the quote before that:

“Fear is the thief of dreams. “

Because we all have dreams, but a lot of times we don’t actually get to realize them because we’re bound up by fear.

And a lot of times when we’re talking about fear, it really has to do with those what-if scenarios. What if the market crashes? What if I have a really big and expensive healthcare event? What if I live to be a hundred?

Now, these are all valid concerns and they can be planned for. You know, it’s much better to learn from someone else’s mistakes so that you can avoid them. We’ve sat down with thousands of retirees so you can benefit from what we’ve learned.

And I can tell you this, the number one regret we’ve heard from retirees is that they didn’t retire earlier.

Reason #1: Time Is Greater Than Money

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Richard Appiah
Richard Appiah

Written by Richard Appiah

I share insights on money, business, and investing. Let's connect! 📩 appiahr88@gmail.com Money Mastery Tips: richarddigital.gumroad.com/l/jsjkcl

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