opinion

Bill Gates once said that we overestimate the change that will occur in the next two years and underestimate the change that will occur in the next 10.

This is especially true for investing and early retirement. It took my husband and me nine years to achieve FIRE, Financial Independence Retire Early, so we know that the long game is the key to success.

Modern society pushes us to chase quick dopamine hits – such as social media, speculative investments and online gambling – but the truth is success takes time.

When you start investing, the first year won’t change your life. The second year probably won’t either. But the 10th year? Whole different story.

Early retirement is not about deprivation. It’s about spending money on what brings you joy

A summer camp for grown-ups try

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