For many professionals, the dream of early retirement often clashes with the high cost of living and uncertainty around long-term financial security. You might have diligently saved, run the numbers countless times, and explored every rule of thumb—yet you’re still unsure whether you can confidently walk away from work in your 50s. Without a clear benchmark, the decision becomes a guessing game.

In this post, I go through a real-world case study of a couple with over $4 million saved who stood at the crossroads of early retirement. Their journey offers valuable insights into how financial preparation, lifestyle choices, and timing intersect when deciding whether to leave the workforce for good. If you’re wondering whether you’ve done enough to make early retirement a reality, their story might just offer the clarity you need.

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This does not constitute an investment recommendation. Investing involves risk. Past performance is no guarantee of future results. Consult your financial advisor for what is appropriate for you. Disclosures: https://onedegreeadvisors.com/solutions/#disclosures