Thinking About Retiring Early in 2025? Think Again.

Thinking About Retiring Early in 2025? Think Again.

Planning for early retirement in 2025? Before you hand in your notice, this episode of Early Retirement Roadmap is your essential guide to navigating the biggest risks facing early retirees this year.

In it, I break down three critical threats — sequence of returns risk, rising inflation, and high market valuations, yes, even with the market downturn due to the Trump tariffs — and I share practical strategies to protect your retirement portfolio. From building cash reserves to using TIPS bonds and dividend-paying ETFs, you'll learn how to retire with confidence even during market volatility.

Whether you're part of the FIRE movement or just ready to leave your 9–5, this episode will help you build a plan to retire early AND STAY retired.

What You’ll Learn:

  • How a market downturn at the wrong time can destroy your retirement plans

  • Why inflation silently eats away at your wealth over time

  • Key investing metrics like the CAPE ratio and Buffett Indicator

  • How to create a resilient early retirement strategy that lasts decades

🔔 If you found this episode helpful, please follow or subscribe & leave a review, or support me with a cup of coffee here.

💼My Favorite Retirement Planning Tool. If you're serious about planning for early retirement, you've got to check out Boldin. It's a powerful tool that helps you map out your financial future -- whether you're a DIY planner or just want to stress-test your retirement strategy. I personally use it and highly recommend! Try Boldin here: https://go.boldin.com/earlyretirementroadmap

Disclosure: This is an affiliate link, which means I may earn a small commission at no extra cost to you. It's a simple way to support this podcast and the content I create. Thank you!

✅Get these Free Resources available too on my Patreon!:

📊Free MAGI calculator Excel template

📊Free 12-Step Early Retirement Planning Checklist

📊Free eBook: ACA Premium Shock Fix, 10 Ways to Pay Less for Marketplace Coverage All Year Long

👉To get these free downloads, go to my Patreon, click Join for Free, then click on the Tools collection, and you can download any of them from there. Here is the link to my Patreon: https://www.patreon.com/cw/earlyretirementroadmap

🎥 When you’re not on the go, check out Mike’s Early Retirement Roadmap YouTube channel for more insights and inspiration. And for my real life stories and experience in early retirement, check out my Youtube channel Early Retired & Real.

🌐 Visit MikeUpland.com – Connect with Mike & explore retirement resources

Episoder(53)

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5 Things to Sell BEFORE You Retire

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7 “Assets” Rich Retirees Avoid

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How I Retired at 55: Do These 5 Things

How I Retired at 55: Do These 5 Things

I retired early at 55. In this episode I show exactly how to retire early with 5 proven keys to early retirement: the mindset that powers compounding, how to raise your savings rate, the income multip...

29 Sep 202521min

ACA MAGI: How to Calculate & Manage It for Big Savings!

ACA MAGI: How to Calculate & Manage It for Big Savings!

ACA MAGI explained: how to calculate and manage Modified Adjusted Gross Income (MAGI) for Affordable Care Act (ACA) subsidies—step-by-step, with a free MAGI calculator to lower premiums and maximize p...

22 Sep 202516min

Roth Conversions or ACA Subsidies? The Early Retirement Dilemma No One Talks About

Roth Conversions or ACA Subsidies? The Early Retirement Dilemma No One Talks About

Roth conversions vs. ACA subsidies is the early retirement dilemma no one talks about. If you’re planning for early retirement, you need to know how Roth IRA conversions can raise your MAGI and cost y...

8 Sep 202511min

5 Things I Wish I Knew BEFORE Retiring Early at 55

5 Things I Wish I Knew BEFORE Retiring Early at 55

Early retirement at 55 comes with financial and lifestyle challenges most people don’t expect. In this video, I share 5 things I wish I knew before retiring early, including lessons on retirement plan...

25 Aug 20258min

The Biggest Retirement Mistake? Working Past 60

The Biggest Retirement Mistake? Working Past 60

Working past 60 might seem smart, but it could be the biggest retirement mistake you make. In this video, we reveal the hidden costs of working past 60 — from lost health years to missed financial opp...

18 Aug 20257min

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