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Over the last six months, I’ve talked to a bunch of early retirees, and to folks who haven’t yet retired but plan to do so well ahead of schedule. They come from different backgrounds, from an immigrant entrepreneur to, in today’s edition, a policeman who opted not to attend college. But each one shares a common trait: discipline. No one’s living off a trust fund, and instead everyone’s living well within his or her means in order to sock away big savings. And that’s something we can all learn from early retirees, whether we plan to follow in their footsteps or not (personally, I don’t see a reason to retire as long as I can keep writing). Even if you wouldn’t enjoy the relatively Spartan lifestyle of Brandon Davis, the policeman featured today, you can still appreciate how he avoids debt and spends well under what he earns. That’s a discipline that can help us regardless of when we plan to retire.

Happy Father's Day to all the dads and grandfathers out there!

Best wishes,


P.S. If you like this newsletter, please pass it on to a friend! And if you got it from a friend, sign up here for email delivery to make sure you don’t miss the next issue.

I’m a 32-Year-Old Police Officer With Zero Debt. Here’s My Plan to Retire in 10 Years

Self-discipline is critical.

These 3 Big Holes Could Sink Even a Solid Retirement Plan. Here's How to Plug Them

It's not just fees that you have to worry about.

This Is the Best Rewards Credit Card Out There—With a Sign-Up Bonus Worth Up to $750

Don't let the $450 annual fee scare you away—especially if you're a frequent traveler.


Many thanks to Terry Robinson, 73, of The Villages, Florida, who answered Alan Lee’s question about the accuracy of the Social Security Administration’s benefit projections. Terry writes, “I began Social Security at 70 and the projections were very accurate. My advice to others is, don't forget Medicare Part B will be deducted from your benefits.That amount can be significant.” Read more about Part B costs here.


On a different note: Introducing the Retire with Money book club! I’d love to read a book together during the month of July. We can discuss either in the newsletter format, or I’ll find some other way to get the conversation going (Facebook Live, anyone)? So for now I’d like to seek book nominations. Please send your recommendations to me and we’ll vote on a title! Any genre is welcome, including fiction, as long as it has themes of retirement and/or finance — bonus points if it’s not too heavy to read poolside!


The Federal Reserve Raised Interest Rates This Week

What does that mean for your retirement portfolio? NEXT AVENUE

How Much it Costs to Retire in 8 Popular Florida Spots

Here's how much you can expect to spend for a home in eight popular retirement destinations. U.S. NEWS & WORLD REPORT

The No. 1 Thing That Affects Your Investment Returns

A financial advisor ranks factors that determine the success of your portfolio. BLOOMBERG

5 Money Lessons Learned from Dads

Dads reflect on what their own fathers taught them about money and life. MARKETWATCH


Elizabeth O'Brien is a senior writer at MONEY, covering retirement and health care. You can email her at elizabeth.o'brien@moneymail.com and follow her on Twitter at @elizobrien.

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