Ask Paula: What’s the Point of Financial Independence if I’m Not Going to Retire?

<p>#332: Ginger’s financial independence (FI) number is $2 million, but she doesn’t want to fully retire early. Once she hits ‘coast’ FI, she wants to 1) buy her time back with outsourcing, 2) take a mini-retirement, and 3) buy a vacation home. Does it make sense for her to divert retirement contributions to these goals, or should she aim to save $2M?</p> <p>Wilson plans to have a two percent withdrawal rate in retirement. Given this low rate, should he go all-in on stocks? Or should he split up his retirement funds and invest one half conservatively and the other half aggressively?</p> <p>Jennifer has a low-stress doggie-daycare, but she needs a bigger space to scale up. How the heck can she find a property to suit her needs in Austin, TX?</p> <p>My friend and former financial planner Joe Saul-Sehy joins me to answer another round of listener questions.</p> <p>(If you have questions on business, money, trade-offs, financial independence strategies, travel, or investing, <a href= "https://affordanything.com/voicemail" target="_blank" rel= "noopener">leave them here</a> and we’ll answer them in a future episode.)</p> <p>For more information, visit the show notes at <a href= "https://affordanything.com/episode332" target="_blank" rel= "noopener">https://affordanything.com/episode332</a></p>