Retire by 50

Retire by 50

In the summer of 2014, when I turned 41, I set myself the goal of retiring from paid-work by the age of 52. This blog charts my own strategy and progress, and explores different theories of financial independence and 'extreme early retirement'. It also provides the odd tip on how you might also retire early!


Splinterlands Challenge of the Week: Always Play the RuleSet!

16 Jul 2021 1 minute read 0 comments RealSociology

This week's Splinterlands Challenge of the Week was to showcase Efreet Elder from the Fire Splinter, my duff Splinter, which I never play, so I've used this week's challenge as a free license to showcase any battle, highlighting the desirability of p...

Splinterlands Challenge of the Week: Sand Worm

8 Jul 2021 2 minute read 0 comments RealSociology

This week's Splinterlands Challenge of the Week was to showcase the Neutral Sand Worm.... The Worm is heavy on Mana, but he's a huge damage sneak card, and I see him played all the time, but I rarely play him myself, given that high mana and the raf...

Splinterlands Challenge of the Week:Scavenger Cheek Challenge

20 Jun 2021 2 minute read 0 comments RealSociology

This week's Splinterlands Challenge of the Week was to showcase the Scavenge ability. I decided to try and cheek this one out by allowing a scavenge a monster, in this case the Cave Slug, to do most of the work in this week's challenge battle. As wit...

Splinterlands Challenge of the Week: SilverShield Bard

10 May 2021 2 minute read 0 comments RealSociology

This week's Splinterlands Challenge of the Week was to showcase the SilverShield Bard from the Life Splinter. This is one of those often-useful-in-low-mana-battles single mana cards, and for your one mana you get two pretty useful buffs - cleanse an...

Splinterlands Challenge of the Week: Mushroom Seer

6 Apr 2021 1 minute read 0 comments RealSociology

This week's Splinterlands Challenge of the Week was to showcase the Mushroom Seer, from (unsurprisingly!) the Earth Splinter. The Mushroom Seer is an awesome card when maxed - delivering 3 magic damage and two hexes with reasonable health for just 5...

Splinterlands Challenge of the Week: Snipe and Repair Alternative and an 'Opportunity' Strategy

24 Mar 2021 2 minute read 0 comments RealSociology

This week's Splinterlands Challenge of the Week was to showcase the Lone Boatman from the Life Splinter This is a decent card - with Snipe and repair, reasonable damage, but not so strong on speed or health, although the shields are useful. I've not...

Splinterlands Challenge of the Week: Water Elemental

1 Mar 2021 1 minute read 0 comments RealSociology

This week's Splinterlands Challenge of the Week was to showcase the Water Elemental from the Earth Splinter This is one of the cheaper rare Beta cards and one of the first I maxed out. It's a pretty decent card to play at the back of a deck - 5 mana...

A Motivational (Mobile Friendly) Spreadsheet Tool for Reducing yer Expenditure....

22 Nov 2020 3 minute read 1 comment RealSociology

I’ve long advocated that people who can should reduce their unnecessary expenditures in order to save-down, invest more and realise Financial Independence as early as possible. However, expenditure habits are hard to break. I know this from personal...

How much wealth do you need to realise ‘Financial Independence’?

20 Nov 2020 4 minute read 0 comments RealSociology

I define financial independence as having sufficient wealth accumulated to meet your own personal needs and desires for the rest of your natural life without having to engage in any further money-earning activities. According to Lyle Daly writing fo...

My (and probably your) £250K Rent and Mortgage life-Time Lock-In (I did a Spreadsheet!)

17 Nov 2020 2 minute read 0 comments RealSociology

  When I first set off on my path to Early Retirement in 2014, I calculated that my housing costs were the single biggest barrier to my retiring early. And based on figures I took from the UK expenditure survey at that time, I wasn't alone: Housing e...