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First time I've read your blog, and it's really great.

Congrats on the excellent financial planning and hard work!

I've read a few articles about this (there was a good one in the Economist a year back), and it's becoming increasingly common for people to work in their retirement years.

And often not because they need the money, but because it gives them a sense of self-worth and much needed social interaction.

" Then, I crafted a statistical model to argue that if I spend thrift and invest wise, one million dollars can be a good goal to support a happy retirement at 40.

At that time, I just purchased our first house and started the American Dream of getting rich while our net worth was at 0,000 and went up ,000 a month.

The parameters are pretty clear: 1) We probably need 0k (adjusted annually for inflation) to maintain the household if I bid farewell to the corporate life.

2) The earning power of our household business is becoming more reliable (and strong) now.

Nemo enim ipsam voluptatem, quia voluptas sit, aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos, qui ratione voluptatem sequi nesciunt, neque porro quisquam est, qui dolorem ipsum, quia dolor sit, amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt, ut labore et dolore magnam aliquam quaerat voluptatem.

Also, our sideline business has been minting money since 2005, which should provide a good cushion if I ever leave my full-time day job.

On the flip side, many assumptions in my original analysis are no longer true.

4) From my million-dollar portfolio, an ultra-conservative allocation should return 5-6% a year, so it is another k.

So without any sophisticated math, it appears that a million dollars is all I need for my financial independence.




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