I strongly suggest you lay out a plan and start working on it.
- 1. Set up a budget and track where everything goes today.
- 2. Determine what lifestyle you want.
- 3. Determine what that lifestyle will cost.
- 4. Compare where you are and what it will take to make steps 2 & 3 work at the same time.
- 5. Go back and refine steps 2 & 3 until you are comfortable with the results of step 4. (in other words balance how much time and effort are you willing to put in to get the lifestyle you expect)
- 6. Based on the results, start working towards that goal (but reassess periodically)
We went into semi-retirement (work part time for insurance) at age 37 (7yrs ago). We split time between our boat and our 5th wheel. Currently writing this from an apartment in Mexico and heading to Rome for a couple months in late January.