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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 forum is where people discuss ideas and maintain journals to document their progress. The ERE Wiki addresses tactics and specifics.

This is open for anyone who wants to contribute. Register yourself using the login link in the upper right corner of this page and start contributing! Suggested guidelines **Note that inserting new links into posts will require you to answer a captcha question which will appear at the top. ** This is to combat spam and vandalism.

What is ERE?

• What is ERE?

Introduction, History, Philosophy, Goals, References

• Frequently Raised Objections

Helpful answers and responses to frequently raised objections.

• Blog Index

21 Day Makeover, Indexed by Topic, Indexed by Date, Sitemap

• ERE City

ERE City was a project started in 2011 with the goal of finding the optimal cities for ERE adherents.

• Frequently used terms and abbreviations

Financial Matters

• Budgeting

• Calculate Your Time to Retirement

Amount of money needed to retire, Safe withdrawal rate, Emergency fund

• Investments

Asset allocation, Dividend growth investing, High yield investing, Index Investing, the Permanent Portfolio, Real estate investing, Value Investing

Philosophical Matters

• Lifestyles
• Long list of things to do when you retire
• Quotations
• Recommended Reading
• Similar Philosophies/Movements

Practical Matters

• Children & Pets

The Basics, Babies, School-Aged Children, Teenagers, College

• Clothing

Building a Wardrobe, Care, Fabrics, External Links

• DIY--Modern

Computer Hardware, Computer programming, Computer Software, Design and Manufacturing, Maker Culture

• DIY--Traditional

Beer brewing, Bike maintenance, Growing food, House construction, Hunting, Fishing, Wood working, Wine making,

• Education

Learning DIY Skills, Traditional Education and the Need for Credentials, Independent Pursuit of Knowledge

• Food

Baking Bread, Buying in Bulk, Cooking Methods and Equipment, Foraging, Gardening, Pantry-keeping with staples and sales, Recipes, Staple Foods,

• Health

The Basics, Bodyweight and Strength-Training Exercises, Endurance Sports, Martial Arts, Nutrition, Yoga and Meditation

• Housing

Choosing a place to live, Country-Specific Information, ERE City, Living options, Mortgages, Rent vs. own, US city guide to low rents

• Hygiene

Dental care, Deodorant, Hair care, Laundry, Shaving, Soap

• Technology

Computers and electronics, Internet cost, Phone plans

• Transportation

Walking, Running, Cycling, Driving, Insurance

• Travel

Living Arrangements, Cool Places

• Work

Alternative money-making activities, Things to do while interest compounds

What else?