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Welcome to the '''Early Retirement Extreme (ERE) Wiki''' Page. Once understood, ERE principles allow for a much earlier [[Retirement | retirement]] than most think. A [[Driving Principles | 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 [[Investments | invest]] the rest, you may [[Retirement | 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 [http://earlyretirementextreme.com/ Early Retirement Extreme Blog]. The blog and [http://www.amazon.com/Early-Retirement-Extreme-philosophical-independence/dp/145360121X/ref=sr_1_1?ie=UTF8&qid=1353079849&sr=8-1&keywords=early+retirement+extreme book] are mainly about strategy. The ERE Wiki addresses tactics and specifics.
Welcome to the '''Early Retirement Extreme (ERE) Wiki''' Page. Once understood, ERE principles allow for a much earlier [[Retirement | retirement]] than most think. A [[Driving Principles | 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 [[Investments | invest]] the rest, you may [[Retirement | 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 [http://earlyretirementextreme.com/ Early Retirement Extreme Blog]. The blog and [http://www.amazon.com/Early-Retirement-Extreme-philosophical-independence/dp/145360121X/ref=sr_1_1?ie=UTF8&qid=1353079849&sr=8-1&keywords=early+retirement+extreme book] are mainly about strategy. The [http://forum.earlyretirementextreme.com/index.php Early Retirement Extreme Forums] are where people discuss ideas and maintain [http://forum.earlyretirementextreme.com/viewforum.php?f=9 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! [http://forum.earlyretirementextreme.com/topic.php?id=1620#post-22016 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.
'''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! [http://forum.earlyretirementextreme.com/viewtopic.php?t=1620#p22016 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.
 
 
'''Recent entries are in BOLD.'''




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* [[What is ERE?]]
* [[What is ERE?]]
:Introduction, History, Philosophy, Goals, '''References'''
::Introduction, History, Philosophy, Goals
* [[ERE In the News and Around the Web]]
::Mainstream Media, Online Media, Podcasts with JLF, Guest Posts, Articles, and Interviews with JLF
* [[Frequently Raised Objections]]
* [[Frequently Raised Objections]]
:Helpful answers and responses to frequently raised objections.
::Helpful answers and responses to frequently raised objections.
* [[Blog Index]]
* [[Blog Index]]
:[[21 Day Makeover]], [[Indexed by Topic]], [[Indexed by Date]], [http://earlyretirementextreme.com/sitemap.xml Sitemap]
::[[21 Day Makeover]], [[Guest Posts]], [[Indexed by Topic]], [[Indexed by Date]], [[Indexed by Length]], [http://earlyretirementextreme.com/sitemap.xml Sitemap]
* [[ERE City]]
* [[ERE City]]
:ERE City was a project started in 2011 with the goal of finding the optimal cities for ERE adherents.  
::ERE City was a project started in 2011 with the goal of finding the optimal cities for ERE adherents.  
* [[Just for Fun]]
::[http://forum.earlyretirementextreme.com/viewforum.php?f=5 ERE Community], [http://earlyretirementextreme.com/wiki/index.php?title=Recommended_Reading#ERE_Book_Club Book Club], [http://forum.earlyretirementextreme.com/viewtopic.php?f=7&t=4415&start=25#p86265 Fitbit Group]
* [[Frequently used terms and abbreviations]]
* [[Frequently used terms and abbreviations]]




==Financial Matters==
==Financial Matters==
* [[Budgeting]]
* [[Budgeting]]
:
::[[Emergency fund]], [http://earlyretirementextreme.com/wiki/index.php?title=Recommended_Reading#Personal_Finance Reading List]
* [[Calculate Your Time to Retirement]]
* [[Investing]]
:[[How much money do I need to retire?| Amount of money needed to retire]], [[Safe withdrawal rate]], [[Emergency fund]]
::[[Asset allocation]], [http://portfoliocharts.com/ Tyler9000's Portfolio Charts], [[Dividend growth investing]], [[High yield investing]], [[Index Investing]], the [[Permanent Portfolio]], [[Real estate investing]], [[Safe withdrawal rate]], [[Value Investing]], [http://earlyretirementextreme.com/wiki/index.php?title=Recommended_Reading#Investing Reading List]
* [[Investments]]
* Tools for Assessing ERE Viability
:[[Asset allocation]], [[Dividend growth investing]], [[High yield investing]], '''[[Index Investing]],''' the [[Permanent Portfolio]], [[Real estate investing]], [[Value Investing]]
::[[How much money do I need to retire?|Amount of money needed to retire]], [[Calculate Your Time to Retirement]], [[ERE Indicator]], [[ERE Wheaton Levels]], [http://forum.earlyretirementextreme.com/viewtopic.php?p=28301#p28301 Akratic's chart with net worth in years, varying lengths of retirement, and return rates]


==Philosophical Matters==
==Philosophical Matters==
* [[Lifestyles]]
* [[Lifestyles]]
* [[Long list of things to do when you retire]]
* [[Post-ERE Life]]
* [[Quotations]]
::[[Long list of things to do when you retire]]
* [[Relationships]]
::[[Children]], [[Finding a Partner]], [[Friends and Family]]
* [[Recommended Reading]]
* [[Recommended Reading]]
::[http://earlyretirementextreme.com/wiki/index.php?title=Recommended_Reading#ERE ERE], [http://earlyretirementextreme.com/wiki/index.php?title=Recommended_Reading#ERE_Book_Club ERE Book Club], [http://earlyretirementextreme.com/wiki/index.php?title=Recommended_Reading#Philosophy Investing], [http://earlyretirementextreme.com/wiki/index.php?title=Recommended_Reading#Philosophy Personal Finance], [http://earlyretirementextreme.com/wiki/index.php?title=Recommended_Reading#Philosophy Philosophy], [http://earlyretirementextreme.com/wiki/index.php?title=Recommended_Reading#Practical_Skills Practical Skills], [http://earlyretirementextreme.com/wiki/index.php?title=Recommended_Reading#Additional_Reading_and_Resources Additional Reading and Resources]
* [[Similar Philosophies/Movements]]
* [[Similar Philosophies/Movements]]
::[[Inspiration, Cohorts and Luminaries: Past and Present]], [[Quotations]]




==Practical Matters==
==Practical Matters==
* [[Children & Pets]]
 
:The Basics, Babies, School-Aged Children, Teenagers, College
* [[Clothing]]
:Building a Wardrobe, Care, Fabrics, External Links
* [[DIY--Modern]]
* [[DIY--Modern]]
:'''[[computers and electronics| Computer Hardware]], [[Computer programming]], [[Computer Software]], [[Design and Manufacturing]], [http://en.wikipedia.org/wiki/Maker_culture Maker Culture]'''
::[[computers and electronics| Computer Hardware]], [[Computer programming]], [[Computer Software]], [[Design and Manufacturing]], [http://en.wikipedia.org/wiki/Maker_culture Maker Culture]
* [[DIY--Traditional]]
* [[DIY--Traditional]]
:[[Beer brewing]], [[Bike maintenance]], [[Growing food]],''' [[House construction]],''' [[Hunting]], [[Fishing]], [[Wood working]], [[Wine making]],  
::[[Beer brewing]], [[Bike maintenance]], [[Growing food]], [[House construction]], [[Hunting]], [[Fishing]], [[Wood working]], [[Wine making]], [http://earlyretirementextreme.com/wiki/index.php?title=Recommended_Reading#Practical_Skills Reading List]
* [[Education]]
* [[Education]]
:[[Learning DIY Skills]], Traditional Education and the Need for Credentials, Independent Pursuit of Knowledge
::[[Learning DIY Skills]], [http://earlyretirementextreme.com/wiki/index.php?title=Education#Traditional_Education_and_the_Need_for_Credentials Traditional Education and the Need for Credentials], [http://earlyretirementextreme.com/wiki/index.php?title=Education#Independent_Pursuit_of_Knowledge Independent Pursuit of Knowledge]
* [[Food]]
* [[Food]]
:'''[[Baking Bread]],''' [[Buying in Bulk]], [[Cooking Methods and Equipment]], [[Foraging]], [[Growing food |Gardening]], '''[[Pantry-keeping with staples and sales]],''' [[Cheap, Healthy Recipes |Recipes]], [[Staple Foods]],  
::[[Baking Bread]], [[Buying in Bulk]], [[Cooking Methods and Equipment]], [[ERE Cookbook]], [[Foraging]], [[Growing food |Gardening]], [[Pantry-keeping with staples and sales]], [[Cheap, Healthy Recipes |Recipes]], [[Staple Foods]],  
* [[Health]]
* [[Health]]
:[[Health | The Basics]], '''[[Bodyweight and Strength-Training Exercises]],''' [[Endurance Sports]], Martial Arts, [[Nutrition]], [[Yoga and Meditation]]
::[[Health | The Basics]], [[Exercise]], [[Genetics]], [[Longevity]], [[Mental Health]], [[Nutrition]]  
* [[Housing]]
* [[Housing]]
:Choosing a place to live, [[Countries |Country-Specific Information]], [[ERE City]], Living options, Mortgages, Rent vs. own, [[US city guide to low rents]]
::[http://earlyretirementextreme.com/wiki/index.php?title=Housing#Choosing_a_place_to_live Choosing a place to live], [[Countries |Country-Specific Information]], [[ERE City]], [http://earlyretirementextreme.com/wiki/index.php?title=Housing#Living_options Living options], [http://earlyretirementextreme.com/wiki/index.php?title=Housing#Mortgages Mortgages], [http://earlyretirementextreme.com/wiki/index.php?title=Housing#Rent_vs._own Rent vs. own], [[US city guide to low rents]], [[Van Dwelling]]
* [[Hygiene]]
* [[Personal Care]]
:[[Dental care]], [[Deodorant]], [[Hair care]], [[Laundry]], [[Shaving]], [[Soap]]
::[[Clothing]], [[Dental care]], [[Deodorant]], [[Hair care]], [[Laundry]], [[Shaving]], [[Soap]]
* [[Technology]]
* [[Technology and Communication]]
:[[Computers and electronics]], [[Internet cost]], [[Phone plans]]
::[[Computers and electronics]], [[Ham Radio]], [[Internet cost]], [[Phone plans]]
* [[Transportation]]
* [[Transportation]]
:[[Walking]], '''[[Running]],''' [[Cycling]], [[Driving]], [http://earlyretirementextreme.com/day-13-insurance.html Insurance]
::[[Walking]], [[Running]], [[Cycling]], [[Driving]], [http://earlyretirementextreme.com/day-13-insurance.html Insurance]
* [[Travel]]
* [[Travel]]
:Living Arrangements, Cool Places
::Living Arrangements, Cool Places
* [[Work]]
* [[Work]]
:[[Work |Alternative money-making activities]], [[Things to do while interest compounds]]
::[[Work |Alternative money-making activities]], [[Things to do while interest compounds]]


What else?
What else?

Revision as of 14:22, 26 March 2017

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.


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?

Introduction, History, Philosophy, Goals
Mainstream Media, Online Media, Podcasts with JLF, Guest Posts, Articles, and Interviews with JLF
Helpful answers and responses to frequently raised objections.
21 Day Makeover, Guest Posts, Indexed by Topic, Indexed by Date, Indexed by Length, Sitemap
ERE City was a project started in 2011 with the goal of finding the optimal cities for ERE adherents.
ERE Community, Book Club, Fitbit Group


Financial Matters

Emergency fund, Reading List
Asset allocation, Tyler9000's Portfolio Charts, Dividend growth investing, High yield investing, Index Investing, the Permanent Portfolio, Real estate investing, Safe withdrawal rate, Value Investing, Reading List
  • Tools for Assessing ERE Viability
Amount of money needed to retire, Calculate Your Time to Retirement, ERE Indicator, ERE Wheaton Levels, Akratic's chart with net worth in years, varying lengths of retirement, and return rates

Philosophical Matters

Long list of things to do when you retire
Children, Finding a Partner, Friends and Family
ERE, ERE Book Club, Investing, Personal Finance, Philosophy, Practical Skills, Additional Reading and Resources
Inspiration, Cohorts and Luminaries: Past and Present, Quotations


Practical Matters

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, Exercise, Genetics, Longevity, Mental Health, Nutrition
Choosing a place to live, Country-Specific Information, ERE City, Living options, Mortgages, Rent vs. own, US city guide to low rents, Van Dwelling
Clothing, Dental care, Deodorant, Hair care, Laundry, Shaving, Soap
Computers and electronics, Ham Radio, Internet cost, Phone plans
Walking, Running, Cycling, Driving, Insurance
Living Arrangements, Cool Places
Alternative money-making activities, Things to do while interest compounds

What else?