When I say ‘Retire’ just too many people think it means old age. Sorry wrong understanding. Retirement, let us redefine.
Retirement is when you can do what you WANT, not what you MUST. You do not HAVE to earn to pay off the EMI. Or for paying for the kid’s education or marriage. Thus retirement means FINANCIAL FREEDOM.
There are various reasons why a person wants / cherishes being ‘MONEY-EARNING NEED FREE’. They may continue to earn money (Azim Premji, Ratan Tata, prime examples). One person who retired a couple of years before he turned 60 (official retirement age) said “I do not want to say ‘nice meeting you’ and meet people whom I do not like meeting’ so he gave up about Rs. 40 lakhs of cash flow!!
Sure, one way (and a very imp way) is to simplify your life. If you can live on less, you dramatically reduce the MONEY-STRESS. This happens when you start living for yourself instead of living for ‘what he/she will say/think’ kinda fears.
Most stress free people I know lead a simple life – I am not advocating this for everybody, but many of the people I know have done it successfully. But quite often, people are afraid of freedom because with freedom comes risk! Imagine the guts one requires to do things which NORMAL people in society do not do. When you choose freedom, you make choices for yourself. Nobody else makes them for you. And when you make choices for yourself, the responsibility — or the blame — for the outcome rests with you.
Can you imagine going off to Himachal Pradesh in winter, stay as a paying guest, do some mountain climbing and write a book? Even if he / she has an accident everybody around you will say ‘Why the hell did he have to go to H P?’.
To be able to shrug is a very important trait if you want to be RETIRED. Alas. Time to tell the world….
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