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Welcome to the Early Retirement Extreme (ERE) Wiki Page. Once understood, ERE principles allow for a much earlier retirement than most think. A driving principle is to live on a much smaller percentage of your income. For example, if you live on 20-25% of your wage and invest the rest, you may retire in 5 or 6 years, freeing you from the obligation to work for money for the rest of your life. This requires accumulating an investment account corresponding to 25-33 times your annual expenses in order to have a safe withdrawal rate of 3-4%. For most people, this is most easily done by focusing on decreasing expenses rather than increasing income. Decreasing expenses is most effectively done by looking at the largest expenses, namely housing, transportation, and food, instead of focusing on hundreds of smaller frugality tweaks. Start by visiting the Early Retirement Extreme Blog. The blog and book are mainly about strategy. The Early Retirement Extreme Forums are where people discuss ideas and maintain journals to document their progress. The ERE Wiki addresses tactics and specifics.


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Contents

What is ERE?

Introduction, History, Philosophy, Goals, References
Helpful answers and responses to frequently raised objections.
21 Day Makeover, Indexed by Topic, Indexed by Date, Sitemap
ERE City was a project started in 2011 with the goal of finding the optimal cities for ERE adherents.


Financial Matters

Reading List
Amount of money needed to retire, Safe withdrawal rate, Emergency fund, Akratic's chart with net worth in years, varying lengths of retirement, and return rates
Asset allocation, Dividend growth investing, High yield investing, Index Investing, the Permanent Portfolio, Real estate investing, Value Investing, Reading List

Philosophical Matters

ERE, ERE Book Club, Investing, Personal Finance, Philosophy, Practical Skills, Additional Reading and Resources
Reading List


Practical Matters

The Basics, Babies, School-Aged Children, Teenagers, College
Building a Wardrobe, Care, Fabrics, External Links
Computer Hardware, Computer programming, Computer Software, Design and Manufacturing, Maker Culture
Beer brewing, Bike maintenance, Growing food, House construction, Hunting, Fishing, Wood working, Wine making, Reading List
Learning DIY Skills, Traditional Education and the Need for Credentials, Independent Pursuit of Knowledge
Baking Bread, Buying in Bulk, Cooking Methods and Equipment, ERE Cookbook, Foraging, Gardening, Pantry-keeping with staples and sales, Recipes, Staple Foods,
The Basics, Bodyweight and Strength-Training Exercises, Endurance Sports, Martial Arts, Nutrition, Yoga and Meditation
Choosing a place to live, Country-Specific Information, ERE City, Living options, Mortgages, Rent vs. own, US city guide to low rents
Dental care, Deodorant, Hair care, Laundry, Shaving, Soap
Computers and electronics, Internet cost, Phone plans
Walking, Running, Cycling, Driving, Insurance
Cheap Date Ideas
Living Arrangements, Cool Places
Alternative money-making activities, Things to do while interest compounds

What else?

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