Say No - Deepstash

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Use this easy 7-step plan to give you more time each day

Say No

We need to be open and transparent to our peers and bosses, and refuse certain tasks that seem to take us away from our core priorities and seem obligatory or repetitive.

We can also defer them or try to postpone them, examining the true urgency or importance of the request.

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What early retirement means
What early retirement means

Early retirement is not defined as when you stop working forever, but as having the freedom and flexibility that saving up enough money can give you if you want to leave a job.

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How to retire early

A good early retirement strategy is built on maximizing three aspects: Income, expenses, and savings.

To build your early retirement strategy, you need to determine your retire early or financial independence (FI) number. It is the amount of money you need for work to become optional. Be aware that the number will (and should) change as you change, and your desired lifestyle evolves.

The money you need for early retirement

Based on a series of papers known as the Trinity Studies, you need to save 25-30 times your expected annual expenses to have enough money to last you for the rest of your life.

This multiple is based on the percentage of your investment growth that you would be able to withdraw per year. A safe early retirement withdrawal percentage is between 3%-4%.

Have one daily priority

Many of us start our mornings with dozens of things we need to get done, but later realize that we haven't crossed any of them off our lists. We did get stuff done, but none of the things we pl...

Make planning a habit

Some mornings we feel motivated to create a to-do list, but that is often the exception. We need to get things done, even when we feel disengaged.

Start by setting the alarm for your daily planning session at the same time every day. Tack your new daily planning session onto an existing habit like drinking your morning coffee.

Align your to-do list with goals
  1. Break down your big goals into daily tasks. You can't add "Get in shape" to your daily to-do list, but you can add "spend 30 minutes on my bike."
  2. Consider your week as a whole. You likely have multiple goals. Some goals benefit from daily activity, while working towards others a few times a week can create momentum.
  3. Add your have-to-do tasks last. We often fill our to-do lists with have-to-do tasks that crowd the whole day. Adding it last forces you to fit your have-to-do tasks around your goal tasks.