3 Tips Young Investors Can Apply Now to Retire at the Incredible Age of 45

Available for Interviews: Chris Janeway

Chris Janeway is Founder & CEO Fourth Point Wealth and coaches investors throughout southern CA.  He is also a national speaker, financial coach, and advocate for financial literacy.

What Chris Janeway can say in an interview about
Retiring 20 Years Sooner:

Retirement by 45 seems incredible and is no small task. To take 20 years off the saving years and add them to the spending years, takes incredible discipline and planning.  Understanding exactly what you want to live like and how much that costs is crucial in creating the plan to get there.

Of course, a big part of this picture is assessing the kind of lifestyle you wish to have in the future and all of the costs associated with it. Once you come to that conclusion, you can start to take the following tips into consideration:

Tip 1: Save Like Crazy. It’s not how much you make, but how much you keep that is the key. Driving more income through side hustles on top of your job accelerates your clock here. Living lean with your goal in mind will start filling up the savings necessary to fund 40 or 50 years of retirement. Start a budget now and look for any possible cuts to go to your savings and investments. A good tip to back into your need… use 3%. You can reasonably expect to never outlive a distribution model of 3% of savings each year. When retiring this early, the 4% rule really doesn’t hold up.

Tip 2: Invest. Your greatest enemy will be inflation over your spending years. You need to invest aggressively during these savings years, and likely for some time thereafter, to make sure you never run out. This can be in real estate, stocks/bonds, mutual funds/ETFs, and likely some combination of all. If you’re not an expert, I suggest finding an advisor who’s willing to teach you and make sure you’re educated.

Tip 3: Remember That You’re in the Driver’s Seat. Often I see young investors gamble on a single stock or cryptocurrency hoping that they’ll get rich quick and be able to retire. Just remember, you’re gambling that goal. You can, however, create your own luck with discipline and focus on the little things that will bring your goals to fruition.

If you end up retiring at 50 or 55, you’re still ahead of the game. Think of Les Brown’s famous quote: If you shoot for the moon and miss, you’ll still be among the stars!


Interviews: Chris Janeway

Chris Janeway is Founder & CEO Fourth Point Wealth, a wealth management and coaching firm which manages over $100 million, helping families build confidence and grow their wealth.

Chris founded Fourth Point Wealth to fix the broken investor experience. Chris works with individuals and organizations who value collaboration with a financial coach, and he’s developed a process that helps investors identify their goals, pinpoint gaps, and truly understand their wealth. Chris is passionate about client education and believes that, through a clear focus on coaching, investors are more likely to remain confident and committed to their long-term plan and avoid common imprudent decisions that damage our financial future.

When Chris is away from the office, he loves to golf, coach youth sports, and enjoys spending time outdoors with his wife, Katy, and their sons, Brennan and Graham.

Jo Allison
Managing Editor
Director of Public Relations
Success In Media, Inc.

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