semi-retirement

You do not have to choose between working full-time and never working again.

Semi-retirement is the part in between. You pick the age it starts, and a lighter job pays part of the bills while your savings keep growing.

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 6: You do not have to choose between working full-time and never working again.

Slide 2 of 6: Semi-retirement puts a few part-time years between full-time work and full retirement.

Slide 3 of 6: Two more years of full-time work take seven part-time years off this plan.

Slide 4 of 6: The last full-time years count the most, because the savings are at their biggest.

Slide 5 of 6: Press Barista FIRE or Coast FIRE, then move the age you semi-retire.

Slide 6 of 6: Save this for the day you feel stuck between the two.

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: Quick check solver at a 4% withdrawal rate; full plan backtest since 1871. 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 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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