I Want to Retire Early & Go to Rome; Can I?

Hello and welcome to Rouse Finance (the sister site of retirement planning site GCBA), your hub for financial and marketing advice. Today we’ll talk about early retirement and how you can accomplish that for yourself. So the question reads, “Hi Rouse, I’m 56 and would like to retire early and visit Rome. My husband is already retired, but I have my own personal IRA. How can I accomplish this?”

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Okay, first things first, this shouldn’t be considered professional advice, read, this is just my educational opinion. For more information on all I’m going to discuss, please speak with a financial or tax professional. With that being said, definitely, there’s an IRS stipulation called 72t, that allows for pulling from your retirement account as long as you do it through 5 substantially equal, periodic payments (also know as SEPP).

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When to Hold Them & When to Fold Them

There are many financial terms that get thrown around, most stemming from other areas of life. The term phrase “know when to hold them and when to fold them” speaks mostly to a game called Texas Hold ‘Em, where the idea is to play off of certain cards, while other players do the same. Financially, this metaphorically means, know when to keep and investment, and know when to get rid of one.

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Let’s be honest: this can be quite challenging, but it’s necessary when keeping your three wealth investment buckets in mind. You want to have your gimme bucket, the one that builds long-term, your medium-risk bucket, and your high-risk bucket, the one that can yield big wins, but you’re not risking all that much capital.

Take online marketing for example. A company like Front Runner Outfitters (featured on YouTubeSuresh’s Gear Reviews) need to know when to hold on strong to a marketing campaign that’s supporting their Slimline II Toyota Tacoma Roof Rack Kit, or the Toyota FJ Cruiser roof rack product. These are higher ticket items, that are well supported with this type of marketing. However, they also need to know when it’s not working and when to pull the plug.

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Understanding How Inflation Works

Here’s the thingScottsdale, Phoenix & Paradise Valley, Arizona Luxury Homes are all intriguing investments options, but you have to be careful and time the housing market just right. It takes expert research.

One of the most important concepts for a beginning investor is learning about and understanding inflation. Money is always changing hands, this we know, but so are the values of products, money, and commodities.

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The reason this is important is because if you simply put your money into an account and don’t touch it for two, three, five, even 10 years, you’re going to have less money at the end of that time period. Why? Inflation.

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What is a 72t Distribution & How Can I Do It?

Okay, now we’re getting into the nitty gritty of the right retirement information, early retirement that is. The 72t process can seem a little complicated, that’s why we’ve embedded a YouTube video on this page, to help describe it:

So, according to this 72t video (substantially equal periodic payments), there are three different IRS approved methods you can discuss with a financial professional that will allow you to pull from your approved IRA account without the 10% penalty. If you plan ahead correctly, it can work out perfectly.

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LinkedIn Spotlight: Phoenix SEO Expert

This blog is built on the WordPress platform. If you’re looking to start your own, here’s a great WordPress tutorial for beginners that will get you started down the right path (install and setup).

Hey, here’s a cool interview we scored today, with Phoenix SEO expert Bradley Barks. He’s been at this SEO marketing thing for over a decade now, and has a lot of interesting experiences to share with us, as well as business lessons.

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“Brad, what’s the biggest lesson you can teach us?” – “Well, Rouse, the biggest lesson I can teach you about market change…I mean, honestly, change is seen throughout all of life, no matter where you look, nothing stays the same. I’ve had some big experiences and successes, you could call them, in life and business, but I’ve also realized their transient, the change, adapt and you move on from them.” “It’s not like you can take yacon syrup from FitPal.com and just stay skinny forever, end of story. It takes work, consistent work.”

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