semi-retirement

A part-time job paying $35,700 a year lets this plan semi-retire at 50.

That is Barista FIRE: the pay covers half the spending and the savings cover the rest. The Quick check works out when full retirement comes, at 63 on this plan.

You asked for the link. The planner every chart came from is one tap away; the slides are below if you want them again.

Open the planner Type in one paycheck. About three minutes, in the browser.

Slide 1 of 7: A part-time job paying $35,700 a year lets this plan semi-retire at 50.

Slide 2 of 7: Switch on semi-retirement and pick the age you semi-retire.

Slide 3 of 7: Part-time years this plan needs from 50, at three levels of pay.

Slide 4 of 7: The pay covers about half the spending and the savings cover the rest.

Slide 5 of 7: Cases since 1871 where the Barista FIRE version never ran out.

Slide 6 of 7: Health insurance before 65 is not in these numbers.

Slide 7 of 7: Save this for the day semi-retiring starts to sound like a plan.

Where to go next

Retire Plan

Type in one paycheck and it runs your plan through every year of market history since 1871, with the taxes worked out. About three minutes, in the browser.

Open it

Sources: The part-time plan: age 35, $110,000 salary, 15% into a 401K with a 5% match, $230,000 saved, $60,000 a year of spending, Colorado, 5% real return, 2026 dollars.; The Quick check's solver: semi-retire at 50, then part-time until the savings reach a 4% withdrawal rate. The part-time plan: age 35, $110,000 salary, 15% into a 401K with a 5% match, $230,000 saved, $60,000 a year of spending, Colorado, 5% real return, 2026 dollars.; Full plan backtest through every case since 1871, Shiller monthly series, planned to 95. The part-time plan: age 35, $110,000 salary, 15% into a 401K with a 5% match, $230,000 saved, $60,000 a year of spending, Colorado, 5% real return, 2026 dollars..

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