I didn’t start thinking about retirement until I was 33 years old.
I was unemployed, married with two children, renting in a high-cost living area, and experiencing a global pandemic. Fortunately, I had some money invested in retirement accounts with previous employers from my twenties. But my husband? Well, he was 32 years old without a dollar in a 401(k) or an IRA.
Less than a year later, we’re now on track to become work optional at 47. That’s how quickly a FIRE number can change your life.