Only 12,000 Days till I Retire

Rockstar Finance

What if  I told you that retirement for anyone who is in their early 30’s, leaves you with about 35 more years until you retire. In my case this is for when I turn 65, so 33 more years. Imagine it, 12,000 more days, 289,000 more hours, 1,721 weeks left of grinding it out at your job. Jumping in your car, grabbing your coffee at Starbucks, sitting in front of a computer for 8+ hours, oops don’t forget to get lunch, still the highlight of most people’s day, jump back in your car, face the long drive, killer traffic, angry road raging drivers(maybe it’s you, calm down it’s going to be ok), to go home, relax for a little while or not if you have kids and hit repeat 11, 999 more times, you know what I’ll cut you a break, let’s cut out the Weekends, Holidays, and Vacations, and now it’s 8,280 more days of work left…………………..Depressing for most of us, myself included.


Wait there’s another option, for the love of God there has to be, who would make it through that every day? My Grandfathers could, rest in peace to both of you, but that was the old days before computers, pensions disappeared, and credit cards and student loans punched us straight in the baby maker.  So what if there was an alternative to the remaining 35 years of cubicles? Here is a little Secret, there is.

 I have plans to retire from my day job in less than 7 years? You would probably laugh or wish me luck with some sarcasm behind that response, that’s what I get when I tell friends and family my plan, so don’t feel bad laugh away, most people don’t think it’s possible. I was skeptical of others who had achieved this so-called “Financial Independence”. When I first read, I said BS, I hate that guy, blame Canada I don’t believe he rode his bike everywhere and stopped working. Then I started reading some more, one of the first early retirement bloggers, I started to think a little more ok, well sure you can retire early if you only need $7,000 year, what does this guy do camp out in a forest and hunt his own food. So yeah skeptical might be the first place I started at.

All of this stuff seemed too good to be true, this guy and that guy had already retired early, while it’s great to have someone who did it,  I needed to read and research someone who was on this journey. I came across a couple of people and one that stood out was 1500Days  his “The Awakening” and started to think, this might be possible, his sunset of Kauai had me thinking of my “Why” and beyond that he made a commitment and has a plan to retire in, you guessed it 1500 days, but I’m not sure if his plan is for me. That’s when it hit me Captain Obvious took his Obvious Stick and knocked me right up the head with it. Everyone’s situation is different. Oh captain obvious, you are the best.

That’s when I really started looking at this and my own financial situation and put together some numbers and figures and realized I can retire early. My approach isn’t going to be 100% the same as Mr Money Mustache or 1500 Days, but it’s certainly going to include some of their tactics. Because in the end it’s going to come down to this: Savings and Passive Income>Expenses, seems “Captain Obvious Easy” but it’s going to take hard work and dedication to my plan.  Let’s never talk about 12,000 days again.

caption obvious


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36 Responses to “Only 12,000 Days till I Retire

  • Great story and great points. Everyone is in a different situation. Personally, I don’t look at the BIG picture of complete financial independence etc. Rather look at baby steps of financial independence. What do I mean??? Well, I look at my divs and see them as slowly chipping away at my financial needs on a monthly basis. First my divs could cover a pack of gum a month, then they could cover my gas bill, soon electric bill. My next “big” goal is to have divs cover 1 year of rent. Now I have a little over 2 months covered. Slowly walking in the same direction. So it’s not about 500 days or 5000 days to FI. It’s what other thing do my divs cover this month?

    FI is all about taking steps in the same direction.

    • EvenStevenMoney
      3 years ago

      I couldn’t agree more on breaking things down to goals and steps towards financial freedom. My efforts are to sometimes make myself and others realize that they have options to not go to the office for the next 12,000 days! Sounds like a follow up post on the financial independence steps. Thanks @divhut for the comment!

  • I love being a self-employed and working at home, for me as long as I can type and if there are clients that needs my work then definitely I will still keep going. I’m also thinking about having another stream of income and hopefully someday I would reach financial independence.
    Marie @ Gen Y Finances recently posted…Taking A StaycationMy Profile

    • EvenStevenMoney
      3 years ago

      Marie@ Gen Y Finances I think starting with doing something that you really enjoy makes the 12,000 days better, but it’s still 12,000 days. Another stream of income can definitely help the equation.

  • Wow, it is rather depressing when you break it down into days, hours, etc. I think most of us yearn for a way out. To me it all starts with lifestyle choices!
    Kurt @ Money Counselor recently posted…Bad Credit and Job HuntingMy Profile

    • EvenStevenMoney
      3 years ago

      Kurt@Money Counselor Yeah only 289,000 hours to go, but I couldn’t agree more lifestyle choices play such a large role.

  • Wow, that’s one depressing number! I’d rather keep working and not thinking about it. Actually, I’d rather work harder at becoming self-employed.
    Scott @ Youthful Investor recently posted…5 Great Books to Learning ForexMy Profile

    • EvenStevenMoney
      3 years ago

      Yeah it’s one of those numbers you look at and think “There has to be another way” I hope everyone is looking for their own path, rather than 12,000 days. thanks for the comment.

  • First off I want to say good luck on your journey. Second what are your future expected expenses going to be? (7K) If you can successfully figure that out, you can probably be free sooner.

    • EvenStevenMoney
      3 years ago

      Thanks for encouragement @Moneywatch101. Future expenses, you know that’s a good question. Since the majority of the FI income would be from real estate and our current plan has us paying off this off in around 7 years, I have been making the assumption this income and no debt will cover everything. 12,000 days is not our actual total, more of a reminder to find my own path.

  • This is hard. Life is long, and life is short. Life is monotonous, and life is one crazy thing after another. But whether you make your seven-year goal of not, you’ll be ahead of the game for trying.
    Annie Logue recently posted…Spring has sprung.My Profile

    • EvenStevenMoney
      3 years ago

      Spoken like someone with experience of it all. I agree that win or lose during my 7 year goal, that I will be ahead, but I’d rather win that’s for sure!

  • Freedom from obligations = personal independence. Folks who can’t envision how sweet that is will hopefully be inspired by your scary math — it sent shivers down my spine.

    Congratulations on setting your goal. The odds of achieving it are on your side.

    • EvenStevenMoney
      3 years ago

      Thanks @freedomtopursue for the positive words. I hope it does get everyone to think a little harder about their own personal goals towards retirement. I can’t put myself through 12,000 days and I can’t even imagine someone doing it for only a social security check.

  • I think breaking it into hours make it look harder to accomplish, but I do like your idea. Great article!
    Money Saving Dude recently posted…5 Ways How To Earn Money Online Without Any InvestmentMy Profile

    • EvenStevenMoney
      3 years ago

      Thanks MoneySaving Dude. Yeah you start throwing around 289,000 hours and you get a little pit in your stomach.

  • Wow, when you break it down into days it can really seem depressing. Kudos for working towards slicing many years off your total, and good luck toward reaching your goal.
    Mike recently posted…How to Make the Most of Your 401kMy Profile

    • EvenStevenMoney
      3 years ago

      Thanks Mike. Working on it one day at a time.

  • Cute. Captain Obvious. I like it. I have a desired date which is 1263 days, probable which is 1758 days and worst case of 2529 days. Now I’m wondering if I should put a counter on my blog. LOL I guess I will when I eventually set a date. Good luck with your 7 year plan.
    debt debs recently posted…Mother Money MomentsMy Profile

    • EvenStevenMoney
      3 years ago

      The fact that you have in days is much better it means you are making an effort towards your goal.

  • The thought of working into my 60s now just makes me nauseous! Forget that. I personally won’t be like MMM (I’m not biking to the grocery store in the dead of winter), so I’ll work a bit longer. It’s a compromise I’m willing to accept.

    Best of luck in your journey!

    • EvenStevenMoney
      3 years ago

      Thank Mr. 1500, My journey is not 1500 days but I think i’m getting closer!

  • Coming up on my 20th year work anniversary I know the pain of the day to day grind. Looking forward to changing my future so I won’t have to work for another 20. 🙂
    Brian@ Debt Discipline recently posted…Week End Round Up #30My Profile

    • EvenStevenMoney
      3 years ago

      It’s great that you are coming up on your 20th work anniversary if that is your choice. I think everyone who goes after FI, is seeking that choice.

  • I have no idea when we’ll retire, but it doesn’t really bother me. We’re just saving/working/investing as much as we can to see what happens. We’re 34 now and I would suspect we’ll retire by 50. Our kids are still young though (2 and 5) so it’s hard to say.
    Holly@ClubThrifty recently posted…Your Mortgage: Is 30 Years Too Long?My Profile

    • EvenStevenMoney
      3 years ago

      It sounds like you are ahead of the game either way which is great. I have made it a priority to become financially independent in 7 years, I don’t think this is for everyone but I do think the saving/working/investing should be.

  • Wow, that’s a scary thought! I’m counting down 365 and that already feels like it’s taking too long. Seeing that daunting number makes me want to work even harder to get to FI.
    FI Fighter recently posted…Financial Independence: Tackling the Location ConundrumMy Profile

    • EvenStevenMoney
      3 years ago

      “Seeing that daunting number makes me want to work even harder to get to FI” That’s exactly how I feel!

  • I don’t really look at my life in a pre-retirement and retirement stages. I try to balance work and play along the way and as I continue to build up assets that generate income I will continue to manage them. I don’t want to wake up one day when I’m 55 and wish “man, I wish I wouldn’t worked so hard just to be able to retire today”.
    Brent recently posted…Credit Card Rewards: 5 Unique Strategies for Hitting Minimum Spending RequirementsMy Profile

    • EvenStevenMoney
      3 years ago

      The point is it doensn’t have to take so long, if you are able to reach financial independence in 7 years you don’t have to worry about wishing you wouldn’t have worked so hard. I do respect that you know what you want, which is a huge step in the journey. Thanks Brent.

  • Man reading through your archives there is some gold here :)!
    It’s awesome how there’s a lot of counter-intuitive i.e. going against the grain with retiring at 65 out there
    I’ve set a date of 40 years old so 3 November 2029, which I feel is giving me plenty of time & is even a little conservative depending on how much risk someone would like to take.. I get the feeling I could easily do it quicker although life can through curve balls

    Love your content though sir!

    • EvenStevenMoney
      5 months ago

      Retiring at 40 would be an incredible goal. Only 13 years left to go! If you have it all figured out and live on your website feel free to send me a link to post to the Financial Independence Day list, I look forward to seeing it:)

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