Reflections on Three Years of Early Retirement



Three years into early retirement, life continues to evolve in fascinating ways. From personal growth to family dynamics, every day brings new lessons and opportunities. Here are some of the key highlights and takeaways from this journey so far.

Cherishing Relationships: A Hidden Gem of Retirement

One of the most unexpected joys of early retirement has been the time it allows us to spend with older relatives. While I always anticipated having more quality time with our kids, I hadn’t fully appreciated the gift of being present for the older generations in our lives. I now golf with my dad 2-3 times a week and visit distant grandparents more frequently. These moments are irreplaceable and have added an entirely new dimension to retirement.

Family Travel: Lessons Learned

Travel has been a big part of our retirement lifestyle. A major insight we’ve gained is that longer trips in fewer chunks work better with younger kids compared to frequent weeklong vacations tied to school schedules. In 2023, we spent more time traveling overall but took fewer trips than in 2024, which paradoxically felt more travel-heavy.

We also noticed a shift in the types of trips we enjoy. Many of our 2024 vacations revolved around drinking-focused activities—cruises, all-inclusive resorts, and beach getaways. While these were fun, they didn’t align with our deeper values and preferences. Reflecting on this, we’ve planned 2025 trips with a focus on what truly brings us joy: outdoor adventures, hiking, and immersing ourselves in nature.

Prioritizing Health and Longevity

Health and wellness have become daily priorities. After dropping the kids off at preschool, my spouse and I dedicate our mornings to the gym. Walking the golf course further adds to my activity levels, reinforcing the importance of staying mobile and active. Early retirement has given us the luxury to focus on our well-being, ensuring the time we have left is spent in good health and enjoying life to its fullest.

Fitness and Hobbies: Finding Balance

Staying active has become a cornerstone of my daily routine. Between frequent trips to the gym and countless hours on the golf course, I’ve found a rhythm that keeps both my body and mind in check. A significant addition this past year was installing a golf simulator in the garage, which has transformed practice sessions. My primary goals this year include achieving a scratch handicap and competing in Amateur Tournaments.

One of the biggest lessons from dipping my toes into competitive golf last year? The mental game in tournaments is vastly different from casual play. It’s a humbling yet rewarding challenge that pushes me to grow.

Insights for the FIRE Community

Reflecting on our working years, I’ve noticed many people focus solely on the “finish line”—the FI (Financial Independence) date or retirement date—without fully appreciating the journey. Your working years are part of your life’s story, and they’re an opportunity to discover what you truly enjoy. Embrace the so-called “boring middle” by finding fulfillment in the process, not just the outcome. Pursue meaningful projects at work, and don’t hesitate to decline opportunities that don’t align with your values.

A book that profoundly shaped my perspective is Taking Stock by Jordan Grumet, a hospice doctor who realized he had achieved financial independence. His insights, drawn from conversations with those at the end of their lives, encourage deep self-reflection and prioritizing what matters most.

Final Thoughts

Time is our greatest asset. Financial independence is ultimately about reclaiming control over this invaluable resource. As we age and grow, our values and joys naturally evolve. Take the time to reflect, step outside your comfort zone, and embrace new experiences. The journey is ongoing, and every moment is an opportunity to align your life with what truly matters to you.

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