Retire Early Quotes

Do you want to retire early rich or retire late poor? Cosmic Ordering answers the first question!

He had an answer to almost everything and he retired at an early age.

I'd rather be a 'THINKER' - Two Healthy Incomes No Kids Early Retirement!

For instance, why do we still work eight hours a day, 50 weeks a year, when we're twice as productive as we were 50 years ago?

The worst thing a company can do is kill off the creative energy of its young and talented people. The second worst thing is to blindly walk into avoidable traps that a wise senior employee can help them foresee.

If you have debt, you're not a free person. You're explicitly owned by your debt and implicitly owned by the creditor.

You know something Andie? If we could find some coal for you to sit on, we could both retire early.

To paraphrase Einstein, you can't solve your problems with the same mindset that created them.

What will your legacy be--what you owned or who you were?

Early retirement, Dalton. Teach yourself to type with your toes and you can start writing your memoirs.

We retire too early and we die too young, our prime of life should be in the 70's and old age should not come until we are almost 100.

William Shakespeare (baptised 26 April 1564 – died 23 April 1616) was an English poet and playwright, widely regarded as the greatest writer in the English language and the world's pre-eminent dramatist. He is often called England's national poet and the "Bard of Avon" (or simply "The Bard"). His surviving works consist of 38 plays, 154 sonnets, two long narrative poems, and several other poems. His plays have been translated into every major living language, and are performed more often than those of any other playwright. Shakespeare was born and raised in Stratford-upon-Avon. At the age of 18 he married Anne Hathaway, who bore him three children: Susanna, and twins Hamnet and Judith. Between 1585 and 1592 he began a successful career in London as an actor, writer, and part owner of the playing company the Lord Chamberlain's Men, later known as the King's Men. He appears to have retired to Stratford around 1613, where he died three years later. Few records of Shakespeare's private life survive, and there has been considerable speculation about such matters as his sexuality, religious beliefs, and whether the works attributed to him were written by others. Shakespeare produced most of his known work between 1590 and 1613. His early plays were mainly comedies and histories, genres he raised to the peak of sophistication and artistry by the end of the sixteenth century. Next he wrote mainly tragedies until about 1608, including Hamlet, King Lear, and Macbeth, considered some of the finest examples in the English language. In his last phase, he wrote tragicomedies, also known as romances, and collaborated with other playwrights. Many of his plays were published in editions of varying quality and accuracy during his lifetime, and in 1623 two of his former theatrical colleagues published the First Folio, a collected edition of his dramatic works that included all but two of the plays now recognised as Shakespeare's. Shakespeare was a respected poet and playwright in his own day, but his reputation did not rise to its present heights until the nineteenth century. The Romantics, in particular, acclaimed Shakespeare's genius, and the Victorians hero-worshipped Shakespeare with a reverence that George Bernard Shaw called "bardolatry". In the twentieth century, his work was repeatedly adopted and rediscovered by new movements in scholarship and performance. His plays remain highly popular today and are consistently performed and reinterpreted in diverse cultural and political contexts throughout the world. Source: Wikipedia

The question you need to answer is what you want to do with your life given that you don't have the time to do everything? Do you want to spend most of your life paying off the interest of a 30-year mortgage and working so you can fill increasingly bigger houses with increasingly more stuff while being stuck in your daily commute in increasingly nicer cars? Or are you prepared to give up the stuff so that you can do whatever you want, whenever, and wherever, within reason? What will your legacy be--what you owned or who you were?

The question you need to answer is what you want to do with your life given that you don't have the time to do everything?

Walkers easily travel three miles by foot. Drivers get in their cars to get from one side of the parking lot to the other. Neither quite understand why the other is so crazy, when it's so easy to do things their way.

Health is thus a condition of well-being and an ability to appreciate life. It's not necessarily optimizing or conforming to a set of measurable quantities like life expectancy or blood pressure, nor is it removing all symptoms using drugs. Health is the presence of something positive, rather than the absence of something negative.

You could have one of the greatest singing voices of all time, but one injury to the throat could end your entire career. You could be the fastest runner in the world, but one back injury could change all of that. You could be the most intelligent professor at Harvard, but one stroke could send you into early retirement. You could love your wife more than any man has ever loved a wife, but one harrowing battle with infertility could turn a couple’s love into resentment.

The retirement age for Greek jobs classified as "arduous" is as early as fifty-five for men and fifty for women. As this is also the moment when the state begins to shovel out generous pensions, more than six hundred Greek professions somehow managed to get themselves classified as arduous: hairdressers, radio announcers, writers, musicians, and on and on and on.

Baby Steps: Step 1: $1,000 in an emergency fund. Step 2: Pay off all debt except the house utilizing the debt snowball. Step 3: Three to six months of savings in a fully-funded emergency fund. Step 4: Invest 15% of your household income into Roth IRAs and pre-tax retirement plans. Step 5: College Funding (i.e. 529 plan). Step 6: Pay off your home early. Step 7: Build wealth and give.

He shouldn't follow. He should sit alone and eat his supper and retire to his room, to rise early and get ahead of her, but should was no longer applicable for the Duke of Clayborn, not when must had taken over, when need was pulling him along behind her, a dog on a lead.

Don’t you think it's time to earn some of the money Nikolai pays you?” I asked quietly, careful not to let Beth overhear. “On the contrary, Princess. I don’t think Nikolai pays me enough. Spending all my days in your sweet company qualifies me for special, early retirement.

Our societies are very keen for us to have busy, competitive, complicated lives. We should express thanks for the well-meaning suggestions and then, as soon as possible and without causing anyone offence, announce our early retirement in the name of the simpler, kinder lives we long for.

In other words, money is paid and gas is burned to make one's possessions as comfortable temperature-wise as the inhabitants

Complexity, therefore, results in flexibility. Increasing complexity always increases capability and adaptability.

The real problem is not how much we earn; it's how much we waste, perhaps to demonstrate our supposed wealth, when we spend it.

Now is your time. Go for it! It is never too late, or too early, to begin living the adventures of which you have always dreamed.

Doing something that is considered very difficult at least once in your life is highly recommended.

so mean that her death would cause a thousand of Hell's toughest demons to opt for early retirement.

Gertrude reckoned sherry had been as much to do with Myrtle’s early retirement as had the demands of celebrating Diwali.

When parents openly communicate about money matters, they empower their children to develop a healthy understanding of financial concepts, fostering a positive relationship with money.

He’d been up early all his life and though everybody said the best thing about retirement was sleeping in, he just couldn’t feature it. If he found himself in bed later than six he felt like a degenerate,

this case it's sensible to develop a skill to just before the point that it begins to require maintenance, continued practice--beyond this point, replacing skill and time with capital assets makes more sense.

…I notice that people always make gigantic arrangements for bathing when they are going anywhere near the water, but that they don’t bathe much when they are there. It is the same when you go to the sea-side. I always determine—when thinking over the matter in London—that I’ll get up early every morning, and go and have a dip before breakfast, and I religiously pack up a pair of drawers and a bath towel. I always get red bathing drawers. I rather fancy myself in red drawers. They suit my complexion so. But when I get to the sea I don’t feel somehow that I want that early morning bathe nearly so much as I did when I was in town. On the contrary, I feel more that I want to stop in bed till the last moment, and then come down and have my breakfast. Once or twice virtue has triumphed, and I have got out at six and half-dressed myself, and have taken my drawers and towel, and stumbled dismally off. But I haven’t enjoyed it. They seem to keep a specially cutting east wind, waiting for me, when I go to bathe in the early morning; and they pick out all the three-cornered stones, and put them on the top, and they sharpen up the rocks and cover the points over with a bit of sand so that I can’t see them, and they take the sea and put it two miles out, so that I have to huddle myself up in my arms and hop, shivering, through six inches of water. And when I do get to the sea, it is rough and quite insulting. One huge wave catches me up and chucks me in a sitting posture, as hard as ever it can, down on to a rock which has been put there for me. And, before I’ve said “Oh! Ugh!” and found out what has gone, the wave comes back and carries me out to mid-ocean. I begin to strike out frantically for the shore, and wonder if I shall ever see home and friends again, and wish I’d been kinder to my little sister when a boy (when I was a boy, I mean). Just when I have given up all hope, a wave retires and leaves me sprawling like a star-fish on the sand, and I get up and look back and find that I’ve been swimming for my life in two feet of water. I hop back and dress, and crawl home, where I have to pretend I liked it.

People with more money than time buy $3,000 road racing bicycles with ultralight carbon frames to shave two pounds off the bike, regardless of the fact that they themselves are probably at least 10 pounds overweight.

Too many people today on Wall Street go for the quick buck at the expense of their reputation and client satisfaction, the rationale being “let’s make the money while we can and retire early in the sun.” For me, this is not a sprint but a marathon, besides the fact that, in my definition, overnight success is 15 years. Anyone who does not understand the basic tenets of this philosophy is not someone I can or will do business with.

Any connection with nature and most connections with technology are lost. There's a belief that nature is irrelevant and that anything can be solved using the current methods--now technology; previously magic or praying.

While they lasted, male friendships included much more physical contact and emotional intensity than most heterosexual men are comfortable with today. James Blake, for example, noted from time to time in his diary that he and his friend, while roommates, shared a bed. “We retired early,” he recorded one day in 1851, “and in each other’s arms did friendship sink peacefully to sleep.” Such behavior did not bother the fiancée of Blake’s roommate a bit.25

Residing in the house are Peter and Susan Pevensie, husband and wife, who are financially independent and who say they retired early to write novels. Their only child, Edward, is homeschooled, and they have a dog named Lucy. More

The mass education in high schools reflects the mass production of the real world. The teaching style has one teacher (supervisor) lecturing (leading) 20-25 students (workers) sitting in rows, much like a manager and his employees.

Don't mention that you also happen to manage a six-figure portfolio to your "voluntary simplicity" friends and don't mention that you only have one bedroom to your investment friends unless you're prepared for the resulting discussion.

Many profit-driven corporate strategies are based on fashion, planned obsolescence, unneeded upgrades, and masterful emotional manipulation --marketing--causing people to continuously replace goods which are still in good working order.

Cyril, church warden and lead tenor in the choir, lives with mother, banned from unsupervised contact with schoolchildren; Harold, drunk dentist, early retirement, pretty thatched cottage off the Bodmin road, one son in rehab, wife in the bin.

My recommendation is to keep up the good work. I’m changing your title to senior executive assistant, and giving you a three percent raise effective next payday. Congratulations.” Wow, three percent. I could move up that early retirement plan to age seventy-five now, instead of eighty. Lucky me. Thank you,” I said. “That’s very generous.” You’re quite welcome.” Ms. Saunders nodded and grabbed a gold-plated letter opener to begin attacking her stack of mail. I turned to leave. Didn’t want to outstay my welcome. Damn it!” she exclaimed, and I turned back around. She winced and nodded at the letter opener that she’d dropped to her desktop. “Damn thing slipped. I’m probably going to need stitches now. Can you be a dear and fetch the first-aid kit for me?” She held her left index finger and frowned at the steady flow of blood oozing out. A few small drops of red splashed onto the other letters spread out on the desk. I felt woozy. And suddenly dizzy. I blinked. When I opened my eyes, I was no longer standing by the door about to leave. I was crouched down next to Ms. Saunders’s imported black leather chair, grasping her wrist tightly…… and sucking noisily on her fingertip. I shrieked and let go of her, staggering backward. I grabbed at her desk to keep from falling, but I dropped on my butt, anyhow, taking most of the contents of the top of her desk with me. She held her injured finger far away from her and stared at me, wide-eyed, with a mixture of shock and disgust. I scrambled to my feet and wiped my mouth with the back of my hand. What in the holy hell just happened? I… I… uh… I’m so sorry,” I managed. “I don’t know what… I wouldn’t normally do something… I just…” Ms. Saunders pulled her hand close to her chest, perhaps to protect it from further abuse. Get out,” she said quietly. Yeah, I’ll get back to work. Again, I’m so, so sorry. Would you like me to bring you a cup of coffee?” No, not to your desk,” she said evenly, but her volume increased with every word. “Get out of here, you freak. I don’t care what you’ve heard, I’m not into women. You’re fired. Now get out of here before I call security.” But… my job review—” Get out!” she yelled.

When Congress approved the decision to retire the SR-71, the Smithsonian Institution requested that a Blackbird be delivered for eventual display in the Air and Space Museum in Washington and that we set a new transcontinental speed record delivering it from California to Dulles. I had the honor of piloting that final flight on March 6, 1990, for its final 2,300-mile flight between L.A. and D.C. I took off with my backseat navigator, Lt. Col. Joe Vida, at 4:30 in the morning from Palmdale, just outside L.A., and despite the early hour, a huge crowd cheered us off. We hit a tanker over the Pacific then turned and dashed east, accelerating to 2.6 Mach and about sixty thousand feet. Below stretched hundreds of miles of California coastline in the early morning light. In the east and above, the hint of a red sunrise and the bright twinkling lights from Venus, Mars, and Saturn. A moment later we were directly over central California, with the Blackbird’s continual sonic boom serving as an early wake-up call to the millions sleeping below on this special day. I pushed out to Mach 3.3.

Good morning, class,’ I said, raising my voice to gain their attention. ‘My name is Luke Priestwood and I’m replacing Mr Piper, who’s retired early due to ill health.’ They seemed surprised but pleased to see me, and I glided over the lie. In reality, Mr Piper had been pushed.

Haerizadeh, Sayyed Abul-Hassan (1894–1987)—an early Mossadeq supporter who soon turned against him. He was a retired judge and veteran Majles deputy. The British embassy described him as an “extreme neutralist” who was “quarrelsome and usually at logger-heads with his colleagues.

Hamilton used the sinking fund to maintain the confidence of creditors in the government’s securities; he had no intention of paying off the outstanding principal of the debt. Retiring the debt would only destroy its usefulness as money and as a means of attaching investors to the federal government.

His early cases were white-collar crimes such as investment fraud and Ponzi schemes. “I’m 20 years old, sitting across the table from people in their 80s who are crying because they’ve trusted someone with their hard-earned retirement savings, and they’ve lost everything. You want to get the person responsible for that.

The ideal of quiet and of genteel retirement, in 1835, was found in Washington Square, where the Doctor built himself a handsome, modern, wide-fronted house, with a big balcony before the drawing-room windows, and a flight of marble steps ascending to a portal which was also faced with white marble. This structure, and many of its neighbours, which it exactly resembled, were supposed, forty years ago, to embody the last results of architectural science, and they remain to this day very solid and honourable dwellings. In front of them was the Square, containing a considerable quantity of inexpensive vegetation, enclosed by a wooden paling, which increased its rural and accessible appearance; and round the corner was the more august precinct of the Fifth Avenue, taking its origin at this point with a spacious and confident air which already marked it for high destinies. I know not whether it is owing to the tenderness of early associations, but this portion of New York appears to many persons the most delectable. It has a kind of established repose which is not of frequent occurrence in other quarters of the long, shrill city; it has a riper, richer, more honourable look than any of the upper ramifications of the great longitudinal thoroughfare—the look of having had something of a social history.

goodness is of a modest nature, easily discouraged, and when much elbowed in early life by unabashed vices, is apt to retire into extreme privacy, so that it is more easily believed in by those who construct a selfish old gentleman theoretically, than by those who form the narrower judgements based on his personal acquaintance.

Every year, measure the overall health of your early retirement plan by plugging your current assets and expected spending back into FIRECalc (“Perpetual Re-retirement”). This makes the Trinity study valid for retirements longer than thirty years since each time you do this, you are creating a new thirty-year retirement scenario.

A couple 'took early retirement from their jobs in the Northeast five years ago when he was 59 and she was 51. Now they live in Punta Gorda, Florida, where they cruise on their 30-foot trawler, play softball and collect shells. . . .' Picture them before Christ at the great day of judgment: 'Look, Lord. See my shells.' That is a tragedy.

AT THE SAME TIME Empire was dying, a new and very different kind of company town was thriving seventy miles to the south. In many ways, it felt like the opposite of Empire. Rather than offering middle-class stability, this village was populated by members of the “precariat”: temporary laborers doing short-term jobs in exchange for low wages. More specifically, its citizens were hundreds of itinerant workers living in RVs, trailers, vans, and even a few tents. Early each fall, they began filling the mobile home parks surrounding Fernley. Linda didn’t know it yet, but she would soon be joining them. Many were in their sixties and seventies, approaching or well into traditional retirement age. Most had traveled hundreds of miles—and undergone the routine indignities of criminal background checks and pee-in-a-cup drug tests—for the chance to earn $11.50 per hour plus overtime at temporary warehouse jobs. They planned to stay through early winter, despite the fact that most of their homes on wheels weren’t designed to support life in subzero temperatures. Their employer was Amazon.com.

In the literary world today, Christianity has pretty well replaced sex as the present pet taboo, not only because Christianity is so often distorted by Christians as well as non-Christians, but because it is too wild and free for the timid. How many of us really want life, life more abundant, life which does not promise any fringe benefits or early retirement plans?

For many years Henry Kitteridge was a pharmacist in the next town over, driving every morning on snowy roads, or rainy roads, or summertime roads, when the while raspberries shot their new growth in brambles along the last section of town before he turned off to where the wider road led to the pharmacy. Retired now, he still wakes early and remembers how mornings used to be his favorite, as though the world were his secret, tires rumbling softly beneath him and the light emerging through the early fog, the brief sight of the bay off to his right, then the pines, tall and slender, and almost always he road with the window partly open because he loved the smell of the pines and the heavy salt air, and in the winter he loved the smell of the cold.

But in the Petit Palais, which Daphne had not visited in thirty years, Roland had what she liked to call ‘a moment’. He retired early from the paintings and waited in the main hall. After she had joined him and they were walking away he let rip. He said that if he ever had to look at one more Madonna and Child, Crucifixion, Assumption, Annunciation and all the rest he would ‘throw up’. Historically, he announced, Christianity had been the cold dead hand on the European imagination. What a gift, that its tyranny had expired. What looked like piety was enforced conformity within a totalitarian mind-state. To question or defy it in the sixteenth century would have been to take your life in your hands. Like protesting against Socialist Realism in Stalin’s Soviet Union. It was not only science that Christianity had obstructed for fifty generations, it was nearly all of culture, nearly all of free expression and enquiry. It buried the open-minded philosophies of classical antiquity for an age, it sent thousands of brilliant minds down irrelevant rabbit holes of pettifogging theology. It had spread its so-called Word by horrific violence and it maintained itself by torture, persecution and death. Gentle Jesus, ha! Within the totality of human experience of the world there was an infinity of subject matter and yet all over Europe the big museums were stuffed with the same lurid trash. Worse than pop music. It was the Eurovision Song Contest in oils and gilt frames. Even as he spoke he was amazed by the strength of his feelings and the pleasure of release. He was talking – exploding – about something else. What a relief it was, he said as he began to cool down, to see a representation of a bourgeois interior, of a loaf of bread on a board beside a knife, of a couple skating on a frozen canal hand in hand, trying to seize a moment of fun ‘while the fucking priest wasn’t looking. Thank God for the Dutch!

The first question, of course, is whether there ever was such a creature as Man. At the moment, in the absence of positive evidence, the sober consensus must be that there was not, that Man, as presented in the legend, is a figment of folklore invention. Man may have risen in the early days of Doggish culture as an imaginary being, a sort of racial god, on which the Dogs might call for help, to which they might retire for comfort.

this as a pleasing testimony to the strength of the close working relationship we had once had. For a little while after that, I recall, Miss Kenton went on talking more generally about her husband, who is to retire soon, a little early on account of poor health, and of her daughter, who is now married and expecting a child in the autumn. In fact, Miss Kenton gave me her daughter’s address in Dorset, and I must say, I was rather flattered to

Nookie.” I giggle because the word itself is funny but hearing her say it makes it even more so. “I’m going to give you some advice because you’re still a new wife—and because my son can be a little shit at times. I know; I’m his mum.” She looks around as though she’s about to reveal top-secret information. “Nookie equals power and there’s a reason he wants it from you all the time. It levels the playing field. Don’t like something he’s doing? Take the nookie away. Get the results you want. Need him to see things your way but he refuses? Withhold the nookie and he’ll make the fastest attitude adjustment you’ve ever seen. Want your husband to retire because he’s going to work himself into an early grave and miss his grandchildren growing up the way he missed his kids? Close the gates of nookie and get your husband home with you instead of burying him. That’s how you work it, darling. You use the power of the nookie to get the results you want.

If any one will here contend that there must have been traits of goodness in old Featherstone, I will not presume to deny this; but I must observe that goodness is of a modest nature, easily discouraged, and when much privacy, elbowed in early life by unabashed vices, is apt to retire into extreme privacy, so that it is more easily believed in by those who construct a selfish old gentleman theoretically, than by those who form the narrower judgments based on his personal acquaintance. In

Mr. Collins was not a sensible man, and the deficiency of nature had been but little assisted by education or society; the greatest part of his life having been spent under the guidance of an illiterate and miserly father; and though he belonged to one of the universities, he had merely kept the necessary terms, without forming at it any useful acquaintance. The subjection in which his father had brought him up had given him originally great humility of manner; but it was now a good deal counteracted by the self-conceit of a weak head, living in retirement, and the consequential feelings of early and unexpected prosperity. A fortunate chance had recommended him to Lady Catherine de Bourgh when the living of Hunsford was vacant; and the respect which he felt for her high rank, and his veneration for her as his patroness, mingling with a very good opinion of himself, of his authority as a clergyman, and his right as a rector, made him altogether a mixture of pride and obsequiousness, self-importance and humility.

The Royal Navy had deployed a large surface task force 8,000 miles from home without effective protection from air attack. Listening to false prophets, they had retired their large aircraft carriers as obsolete, depriving the fleet of airborne early warning and supersonic interceptors. To save money they had not funded the installation of existing cruise missile defenses nor made the investment in three-dimensional air defense radars for their ships. Now they began to pay a mounting price in blood and treasure.

Barbara and I had arrived early, so I got to admire everyone’s entrance. We were seated at tables around a dance floor that had been set up on the lawn behind the house. Barbara and I shared a table with Deborah Kerr and her husband. Deborah, a lovely English redhead, had been brought to Hollywood to play opposite Clark Gable in The Hucksters. Louis B. Mayer needed a cool, refined beauty to replace the enormously popular redhead, Greer Garson, who had married a wealthy oil magnate and retired from the screen in the mid-fifties. Deborah, like her predecessor, had an ultra-ladylike air about her that was misleading. In fact, she was quick, sharp, and very funny. She and Barbara got along like old school chums. Jimmy Stewart was also there with his wife. It was the first time I’d seen him since we’d worked for Hitchcock. It was a treat talking to him, and I felt closer to him than I ever did on the set of Rope. He was so genuinely happy for my success in Strangers on a Train that I was quite moved. Clark Gable arrived late, and it was a star entrance to remember. He stopped for a moment at the top of the steps that led down to the garden. He was alone, tanned, and wearing a white suit. He radiated charisma. He really was the King. The party was elegant. Hot Polynesian hors d’oeuvres were passed around during drinks. Dinner was very French, with consommé madrilène as a first course followed by cold poached salmon and asparagus hollandaise. During dessert, a lemon soufflé, and coffee, the cocktail pianist by the pool, who had been playing through dinner, was discreetly augmented by a rhythm section, and they became a small combo for dancing. The dance floor was set up on the lawn near an open bar, and the whole garden glowed with colored paper lanterns. Later in the evening, I managed a subdued jitterbug with Deborah Kerr, who was much livelier than her cool on-screen image. She had not yet done From Here to Eternity, in which she and Burt Lancaster steamed up the screen with their love scene in the surf. I was, of course, extremely impressed to be there with Hollywood royalty that evening, but as far as parties go, I realized that I had a lot more fun at Gene Kelly’s open houses.

Gustav is a composer. For months he has been carrying on a raging debate with Säure over who is better, Beethoven or Rossini. Säure is for Rossini. “I’m not so much for Beethoven qua Beethoven,” Gustav argues, “but as he represents the German dialectic, the incorporation of more and more notes into the scale, culminating with dodecaphonic democracy, where all notes get an equal hearing. Beethoven was one of the architects of musical freedom—he submitted to the demands of history, despite his deafness. While Rossini was retiring at the age of 36, womanizing and getting fat, Beethoven was living a life filled with tragedy and grandeur.” “So?” is Säure’s customary answer to that one. “Which would you rather do? The point is,” cutting off Gustav’s usually indignant scream, “a person feels good listening to Rossini. All you feel like listening to Beethoven is going out and invading Poland. Ode to Joy indeed. The man didn’t even have a sense of humor. I tell you,” shaking his skinny old fist, “there is more of the Sublime in the snare-drum part to La Gazza Ladra than in the whole Ninth Symphony. With Rossini, the whole point is that lovers always get together, isolation is overcome, and like it or not that is the one great centripetal movement of the World. Through the machineries of greed, pettiness, and the abuse of power, love occurs. All the shit is transmuted to gold. The walls are breached, the balconies are scaled—listen!” It was a night in early May, and the final bombardment of Berlin was in progress. Säure had to shout his head off. “The Italian girl is in Algiers, the Barber’s in the crockery, the magpie’s stealing everything in sight! The World is rushing together.

was an English poet and playwright, widely regarded as the greatest writer in the English language and the world's pre-eminent dramatist. He is often called England's national poet and the "Bard of Avon" (or simply "The Bard"). His surviving works consist of 38 plays, 154 sonnets, two long narrative poems, and several other poems. His plays have been translated into every major living language, and are performed more often than those of any other playwright. Shakespeare was born and raised in Stratford-upon-Avon. At the age of 18 he married Anne Hathaway, who bore him three children: Susanna, and twins Hamnet and Judith. Between 1585 and 1592 he began a successful career in London as an actor, writer, and part owner of the playing company the Lord Chamberlain's Men, later known as the King's Men. He appears to have retired to Stratford around 1613, where he died three years later. Few records of Shakespeare's private life survive, and there has been considerable speculation about such matters as his sexuality, religious beliefs, and whether the works attributed to him were written by others. Shakespeare produced most of his known work between 1590 and 1613. His early plays were mainly comedies and histories, genres he raised to the peak of sophistication and artistry by the end of the sixteenth century. Next he wrote mainly tragedies until about 1608, including Hamlet, King Lear, and Macbeth, considered some of the finest examples in the English language. In his last phase, he wrote tragicomedies, also known as romances, and collaborated with other playwrights. Many of his plays were published in editions of varying quality and accuracy during his lifetime, and in 1623 two of his former theatrical colleagues published the First Folio, a collected edition of his dramatic works that included all but two of the plays now recognised as Shakespeare's. Shakespeare was a respected poet and playwright in his own day, but his reputation did not rise to its present heights until the nineteenth century. The Romantics, in particular, acclaimed Shakespeare's genius, and the Victorians hero-worshipped Shakespeare with a reverence that George Bernard Shaw called "bardolatry". In the twentieth century, his work was repeatedly adopted and rediscovered by new movements in scholarship and performance. His plays remain highly popular today and are consistently performed and reinterpreted in diverse cultural and political contexts throughout the world. Source: Wikipedia

The fears of militarization Holbrooke had expressed in his final, desperate memos, had come to pass on a scale he could have never anticipated. President Trump had concentrated ever more power in the Pentagon, granting it nearly unilateral authority in areas of policy once orchestrated across multiple agencies, including the State Department. In Iraq and Syria, the White House quietly delegated more decisions on troop deployments to the military. In Yemen and Somalia, field commanders were given authority to launch raids without White House approval. In Afghanistan, Trump granted the secretary of defense, General James Mattis, sweeping authority to set troop levels. In public statements, the White House downplayed the move, saying the Pentagon still had to adhere to the broad strokes of policies set by the White House. But in practice, the fate of thousands of troops in a diplomatic tinderbox of a conflict had, for the first time in recent history, been placed solely in military hands. Diplomats were no longer losing the argument on Afghanistan: they weren’t in it. In early 2018, the military began publicly rolling out a new surge: in the following months, up to a thousand new troops would join the fourteen thousand already in place. Back home, the White House itself was crowded with military voices. A few months into the Trump administration, at least ten of twenty-five senior leadership positions on the president’s National Security Council were held by current or retired military officials. As the churn of firings and hirings continued, that number grew to include the White House chief of staff, a position given to former general John Kelly. At the same time, the White House ended the practice of “detailing” State Department officers to the National Security Council. There would now be fewer diplomatic voices in the policy process, by design.

Ross's thick lashes veiled his smoky eyes. She sensed his rampant desire to be alone with her. "Three hours," he said, speaking as if to himself. "What?" she asked. "Three hours until midnight. Then you will go upstairs, and I will follow soon after." "Oh. Isn't that rather too early to retire from a ball such as this? I suspect some of the couples will be dancing until dawn." "We won't be one of them," he said firmly, escorting her to the drawing room. "I can think of a much better way to spend the rest of the evening." "Sleeping?" she said with false innocence. Ross bent to whisper his alternative, and grinned as a wild blush rose in her face.

I started by collecting copies of all the novels and short stories featuring him and piled them up beside my bed. I wanted to get to the very heart of what Dame Agatha thought of him and what he was really like, and to do that, I had to read every word his creator had ever written about him. I didn’t want my Poirot to be a caricature, something made up in a film or television studio, I wanted him to be real, as real as he was in the books, as real as I could possibly make him. The first thing I realised was that I was a slightly too young to play him. He was a retired police detective in his sixties when he first appeared in The Mysterious Affair at Styles, while I was in my early forties. Not only that, he was also described as a good deal fatter than I was. There was going to have to be some considerable padding, not to mention very careful make-up and costume, if I was going to convince the world that I was the great Hercule Poirot. Even more important, the more I read about him, the more convinced I became that he was a character that demanded to be taken seriously. He wasn’t a silly little man with a funny accent, any more than Sherlock Holmes was just a morphine addict with a taste for playing the violin. There was a depth and quality to the Poirot that Dame Agatha had created – and that was what I desperately wanted to bring to the screen.

I propose that in our day this alternation of the market place and mountain requires the capacity for the constructive use of solitude. It requires that we be able to retire from a world that is “too much with us,” that we be able to be quiet, that we let the solitude work for us and in us. It is a characteristic of our time that many people are afraid of solitude: to be alone is a sign one is a social failure, for no one would be alone if he or she could help it. It often occurs to me that people living in our modern, hectic civilization, amid the constant din of radio and TV, subjecting themselves to every kind of stimulation whether of the passive sort of TV or the more active sort of conversation, work, and activity, that people with such constant preoccupations find it exceedingly difficult to let insights from unconscious depths break through. Of course, when an individual is afraid of the irrational—that is, of the unconscious dimensions of experience—he tries to keep busiest, tries to keep most “noise” going on about him. The avoidance of the anxiety of solitude by constant agitated diversion is what Kierkegaard, in a nice simile, likened to the settlers in the early days of America who used to beat on pots and pans at night to make enough din to keep the wolves away. Obviously if we are to experience insights from our unconscious, we need to be able to give ourselves to solitude.

My mother has always loved piano music and hungered to play. When she was in her early sixties, she retired from her job as a computer programmer so that she could devote herself more fully to the piano. As she had done with her dog obsession, she took her piano education to an extreme. She bought not one, not two, but three pianos. One was the beautiful Steinway B, a small grand piano she purchased with a modest inheritance left by a friend of her parents’. She photocopied all of her music in a larger size so she could see it better and mounted it on manila folders. She practiced for several hours every day. When she wasn’t practicing the piano she was talking about the piano. I love pianos, too, and wrote an entire book about the life of one piano, a Steinway owned by the renowned pianist Glenn Gould. And I shared my mother’s love for her piano. During phone conversations, I listened raptly as she told me about the instrument’s cross-country adventures. Before bringing the Steinway north, my mother had mentioned that she was considering selling it. I was surprised, but instead of reminding her that, last I knew, she was setting it aside for me, I said nothing, unable to utter the simple words, “But, Mom, don’t you remember your promise?” If I did, it would be a way of asking for something, and asking my mother for something was always dangerous because of the risk of disappointment.

We will revisit the effects of sleep loss on emotional stability and other brain functions in later chapters when we discuss the real-life consequences of sleep loss in society, education, and the workplace. The findings justify our questioning of whether or not sleep-deprived doctors can make emotionally rational decisions and judgments; under-slept military personnel should have their fingers on the triggers of weaponry; overworked bankers and stock traders can make rational, non-risky financial decisions when investing the public’s hard-earned retirement funds; and if teenagers should be battling against impossibly early start times during a developmental phase of life when they are most vulnerable to developing psychiatric disorders.

Although in general Gary applauded the modern trend toward individual self-management of retirement funds and long-distance calling plans and private-schooling options, he was less than thrilled to be given responsibility for his own personal brain chemistry, especially when certain people in his life, notably his father, refused to take any such responsibility. But Gary was nothing if not conscientious. As he entered the darkroom, he estimated that his levels of Neurofactor 3(i.e., serotonin: a very, very important factor) were posting seven-day or even thirty-day highs, that his Factor 2 and Factor 7 levels were likewise outperforming expectations, and that his Factor 1 had rebounded from an early-morning slump related to the glass of Armagnac he’d drunk at bedtime.

In early 2016, Amazon was given a license by the Federal Maritime Commission to implement ocean freight services as an Ocean Transportation Intermediary. So, Amazon can now ship others’ goods. This new service, dubbed Fulfillment by Amazon (FBA), won’t do much directly for individual consumers. But it will allow Amazon’s Chinese partners to more easily and cost-effectively get their products across the Pacific in containers. Want to bet how long it will take Amazon to dominate the oceanic transport business? 67 The market to ship stuff (mostly) across the Pacific is a $ 350 billion business, but a low-margin one. Shippers charge $ 1,300 to ship a forty-foot container holding up to 10,000 units of product (13 cents per unit, or just under $ 10 to deliver a flatscreen TV). It’s a down-and-dirty business, unless you’re Amazon. The biggest component of that cost comes from labor: unloading and loading the ships and the paperwork. Amazon can deploy hardware (robotics) and software to reduce these costs. Combined with the company’s fledgling aircraft fleet, this could prove another huge business for Amazon. 68 Between drones, 757/ 767s, tractor trailers, trans-Pacific shipping, and retired military generals (no joke) who oversaw the world’s most complex logistics operations (try supplying submarines and aircraft carriers that don’t surface or dock more than once every six months), Amazon is building the most robust logistics infrastructure in history. If you’re like me, this can only leave you in awe: I can’t even make sure I have Gatorade in the fridge when I need it.

For many years there have been rumours of mind control experiments. in the United States. In the early 1970s, the first of the declassified information was obtained by author John Marks for his pioneering work, The Search For the Manchurian Candidate. Over time retired or disillusioned CIA agents and contract employees have broken the oath of secrecy to reveal small portions of their clandestine work. In addition, some research work subcontracted to university researchers has been found to have been underwritten and directed by the CIA. There were 'terminal experiments' in Canada's McGill University and less dramatic but equally wayward programmes at the University of California at Los Angeles, the University of Rochester, the University of Michigan and numerous other institutions. Many times the money went through foundations that were fronts or the CIA. In most instances, only the lead researcher was aware who his or her real benefactor was, though the individual was not always told the ultimate use for the information being gleaned. In 1991, when the United States finally signed the 1964 Helsinki Accords that forbids such practices, any of the programmes overseen by the intelligence community involving children were to come to an end. However, a source recently conveyed to us that such programmes continue today under the auspices of the CIA's Office of Research and Development. The children in the original experiments are now adults. Some have been able to go to college or technical schools, get jobs. get married, start families and become part of mainstream America. Some have never healed. The original men and women who devised the early experimental programmes are, at this point, usually retired or deceased. The laboratory assistants, often graduate and postdoctoral students, have gone on to other programmes, other research. Undoubtedly many of them never knew the breadth of the work of which they had been part. They also probably did not know of the controlled violence utilised in some tests and preparations. Many of the 'handlers' assigned to reinforce the separation of ego states have gone into other pursuits. But some have remained or have keen replaced. Some of the 'lab rats' whom they kept in in a climate of readiness, responding to the psychological triggers that would assure their continued involvement in whatever project the leaders desired, no longer have this constant reinforcement. Some of the minds have gradually stopped suppression of their past experiences. So it is with Cheryl, and now her sister Lynn.

The harsh truth is that the most important driver in the growth of your assets is how much you save, and saving requires discipline. Without a regular savings program, it doesn’t matter if you make 5 percent, 10 percent, or even 15 percent on your investment funds. The single most important thing you can do to achieve financial security is to begin a regular savings program and to start it as early as possible. The only reliable route to a comfortable retirement is to build up a nest egg slowly and steadily. Yet few people follow this basic rule, and the savings of the typical American family are woefully inadequate. It is critically important to start saving now. Every year you put off investing makes your ultimate retirement goals more difficult to achieve. Trust in time rather than in timing. As a sign in the window of a bank put it, little by little you can safely stock up a strong reserve here, but not until you start.

The person who discovered the answer was a retiring, self-funded scientist named Peter Mitchell who in the early 1960s inherited a fortune from the Wimpey house-building company and used it to set up a research center in a stately home in Cornwall. Mitchell was something of an eccentric. He wore shoulder-length hair and an earring at a time when that was especially unusual among serious scientists. He was also famously forgetful. At his daughter’s wedding, he approached another guest and confessed that she looked familiar, though he couldn’t quite place her. “I was your first wife,” she answered. Mitchell’s ideas were universally dismissed, not altogether surprisingly. As one chronicler has noted, “At the time that Mitchell proposed his hypothesis there was not a shred of evidence in support of it.” But he was eventually vindicated and in 1978 was awarded the Nobel Prize in Chemistry—an extraordinary accomplishment for someone who worked from a home lab. The

The narcissistic love match is inherently unstable. Any intrusion of reality can destabilize the relationship, leading to chronic or intermittent conflict, misery, trips to the couple counselor, or traumatic ruptures that bring the union to an end. When the narcissist can find support outside the relationship – career, family, friends, or other interests- that keep him or her feeling pumped up, the pressure on the partner may be minimal. But frustrations at work, job loss or retirement, disruptions in other needed relationships, and losses in status or rewards from other pipelines usually lead to more demands on the partner to pick up the slack. It is the nature of human beings to seek more satisfying solutions to life’s challenges over time and to strive toward a fully realized evolution of Self. Even a seed of emotional health wants to grow. Just as primary narcissism is a transient state in early childhood, so may narcissistic relationships be way stations on our journey to mature love. But sometimes the hard part is figuring out if, when, and how to move on.

There was once a businessman who was sitting by the beach in a small Brazilian village. As he sat, he saw a Brazilian fisherman rowing a small boat toward the shore having caught quite a few big fish. The businessman was impressed and asked the fisherman, “How long does it take you to catch so many fish?” The fisherman replied, “Oh, just a short while.” “Then why don’t you stay longer at sea and catch even more?” The businessman was astonished. “This is enough to feed my whole family,” the fisherman said. The businessman then asked, “So, what do you do for the rest of the day?” The fisherman replied, “Well, I usually wake up early in the morning, go out to sea and catch a few fish, then go back and play with my kids. In the afternoon, I take a nap with my wife, and [when] evening comes, I join my buddies in the village for a drink—we play guitar, sing and dance throughout the night.” The businessman offered a suggestion to the fisherman. “I am a PhD in business management. I could help you to become a more successful person. From now on, you should spend more time at sea and try to catch as many fish as possible. When you have saved enough money, you could buy a bigger boat and catch even more fish. Soon you will be able to afford to buy more boats, set up your own company, your own production plant for canned food and distribution network. By then, you will have moved out of this village and to São Paulo, where you can set up an HQ to manage your other branches.” The fisherman continues, “And after that?” The businessman laughs heartily. “After that, you can live like a king in your own house, and when the time is right, you can go public and float your shares in the Stock Exchange, and you will be rich.” The fisherman asks, “And after that?” The businessman says, “After that, you can finally retire, you can move to a house by the fishing village, wake up early in the morning, catch a few fish, then return home to play with [your] kids, have a nice afternoon nap with your wife, and when evening comes, you can join your buddies for a drink, play the guitar, sing and dance throughout the night!” The fisherman was puzzled. “Isn’t that what I am doing now?

On Rossini's 'The Barber of Seville' - "Much has been written about the fiasco of the opera's first night on 20 February 1816, most of it true: the mockery of Rossini's Spanish-style hazel jacket, the rowdy animosity of the Paisiello lobby, the jeering and the catcalls, as one mishap succeeded another. Basilio sang his 'Calumny' aria with a bloodied nose after tripping over a trap door; then during the act 1 finale, a cat wandered onstage, declined to leave, and was forcibly flung into the wings. According to the Rosina, Gertrude Righetti Giorgi, Rossini left the theatre 'as though he had been an indifferent onlooker'... The second performance was a triumph, though Rossini was not there to witness it. He spent the evening pacing his room, imagining the opera's progress scene by scene. He retired early, only to be roused by a glow of torches and uproar in the street. Fearing that a mob was about to set fire to the building, he took refuge in a stable block. Garcia tried to summon him to acknowledge the adulation. 'F***' their bravos!' was Rossini's blunt rejoinder. 'I'm not coming out'.

Bell treated his friend and colleague Watson generously. Though he had no legal obligations to do so, he awarded Watson 10 percent of the company, allowing Watson to retire rich at the age of just twenty-seven. Able to do anything he wanted, Watson devoted the rest of his life to just that. He traveled the world, read widely, and took a degree in geology at MIT for the simple satisfaction of improving his brain. He then started a shipyard, which quickly grew to employ four thousand men, producing a scale of stress and obligation way beyond anything he wished for, so he sold the business, converted to Islam, and became a follower of Edward Bellamy, a radical philosopher and quasi communist who for a short period in the 1880s enjoyed phenomenal esteem and popularity. Tiring of Bellamy, Watson moved to England in early middle age and took up acting, for which he showed an unexpected talent. He proved particularly adept at Shakespearean roles and performed many times at Stratford-upon-Avon before returning to America and a life of quiet retirement. He died, contented and rich, at his winter home on Pass-Grille Key, Florida, just shy of his eighty-first birthday in 1934.

were more than mere insects. Over time I realized the bees could tell my emotional or energetic state. When I embodied kindness around them, they treated me with the same. A cloud of exuberance surrounded us, as though the bees were templating euphoria into the air. I want you to know I didn’t just tear off my bee suit one day and “become one with the bees.” That took years. But eventually I did retire my bee suit. The first time I walked right up to the hives wearing only a T-shirt and shorts, I felt a bit anxious and self-absorbed, but then I remembered to turn my thoughts away from myself, to open myself to the bees and let them feel me out — which they did. They landed on my bare arms and licked my skin for the salty minerals. When I held a finger next to the entrance, a sweet little bee delicately walked onto my fingertip and faced me. She looked right into my eyes, and for the first time, we saw each other. And so I became part of bee life. Becoming Kin I soon found myself having more intuition about the hives. One morning in early spring, before the flowers had come into bloom, I suddenly had the idea that I should check one of my hives. I found the bees unexpectedly out of food; so I fed them honey saved from the year before. That call I intuitively heard from the hive likely saved its life. Another time I had the feeling that a distant hive in the east pasture was on the verge of swarming. When I walked up to see, sure enough, they were. Events like this taught me to trust my intuition more, and listening to my intuition continues to bring me into a closer relationship with all the hives. In my sixth year with bees, something new happened. I had begun a morning practice of contemplation, quieting my mind and opening my heart. I entered this prayerful state, asking for guidance, direction, courage, and truth. Even though I didn’t mention honeybees, they immediately began appearing in my thoughts and passing me information I had never read or learned from other sources. I believe the sincerity of my questions opened a door. When the information began coming to me, I listened with attentiveness, respect, and gratitude. The more I listened, the more information they shared. Since my first intuitive conversation with the bees, I have had many others. At first I didn’t know how to explain where the information came from, and that bothered me. I told my husband’s

Meanwhile, Matthew took the empty place beside Daisy’s. “Miss Bowman,” he said softly. Daisy couldn’t manage a word. Her gaze lifted to his smiling eyes, and it seemed that emotions sprang from her in a fountain of warmth. She had to look away from him before she did something foolish. But she remained intensely aware of his body next to hers. Westcliff and Matthew entertained the group with an account of how their carriage had gotten stuck in mire. Luckily they had been helped by a passing farmer with an ox-drawn wagon, but in the process of freeing the vehicle, all participants had been covered with mud from head to toe. And apparently the episode had left the ox in quite an objectionable temper. By the time the story was finished, everyone at the table was chuckling. The conversation turned to the subject of the Shakespeare festival, and Thomas Bowman launched into an account of the visit to Stratford-on-Avon. Matthew asked a question or two, seeming fully engaged in the conversation. Suddenly Daisy was startled to feel his hand slide into her lap beneath the table. His fingers closed over hers in a gentle clasp. And all the while he took part in the conversation, talking and smiling easily. Daisy reached for her wine with her free hand and brought it to her lips. She took one sip, and then another, and nearly choked as Matthew played lightly with her fingers beneath the table. Sensations that had lain quiescent for a week kindled into vibrant life. Still not looking at her, Matthew gently slid something over her ring finger, past the knuckle, until it fit neatly at the base. Her hand was returned to her lap as a footman came to replenish the wine in their glasses. Daisy looked down at her hand, blinking at the sight of the glittering yellow sapphire surrounded by small round diamonds. It looked like a white-petaled flower. Her fingers closed tightly, and she averted her face to hide a betraying flush of pleasure. “Does it please you?” Matthew whispered. “Oh, yes.” That was the extent of their communication at dinner. It was just as well. There was too much to be said, all of it highly private. Daisy steeled herself for the usual long rituals of port and tea after dinner, but she was gratified when it seemed that everyone, even her father, was inclined to retire early. As it appeared the elderly vicar and his wife were ready to return home, the group dispersed without much fanfare. Walking with Daisy from the dining hall, Matthew murmured, “Will I have to scale the outside wall tonight, or are you going to leave your door unlocked?” “The door,” Daisy replied succinctly. “Thank God.

Pasting on her most endearing smile, Bronwyn stood up and interrupted, "I must beg everyone's pardon for retiring early. I have been needing to speak with my husband all day. So, we will see you in the morning." She then looked down at Ranulf to ensure he understood that she was serious. He arched a single brow, but said nothing as he rose to join her, ignoring the short coughs and snorts of laughter of his men. Bronwyn instantly froze as she realized what the small group-including her husband-believed she had meant. Mustering up the remnants of her pride,she forced herself to march on. "It's nice to know you've been wanting me all day, but if you desire for us to be alone, there are more discreet ways of letting me know," Ranulf teased as he lifted the flap of their tent. Bronwyn knew her already red face was turning an even more brilliant color, but she refused to let Ranulf believe he had totally won. "You,husband, are far more in need of a modesty lesson than I." Ranulf let go the heavy material and then crossed his arms with a smug look of satisfaction Bronwyn wanted to both remove and indulge. "Don't believe in modesty.Never have.Kind of liking the fact that you don't either," he said, hinting at what he thought was about to come next. Bronwyn took a step back and waved a finger. "I said I wanted to speak with you alone...about tomorrow.

Maj. Gen. Smedley D. Butler, often regarded as the most famous decorated US army officer of the early twentieth century, wrote a book after World War I aptly called War Is a Racket. Upon retirement in the 1930s, he gave speeches around the country to spread his message—a message that sheds light upon the hidden internal dialogue underlying US military history. In 1935, Butler boldly stated: I spent 33 years and four months in active military service and during that period I spent most of my time as a high class muscle man for Big Business, for Wall Street and the bankers. In short, I was a racketeer, a gangster for capitalism. I helped make Mexico and especially Tampico safe for American oil interests in 1914. I helped make Haiti and Cuba a decent place for the National City Bank boys to collect revenues in. I helped in the raping of half a dozen Central American republics for the benefit of Wall Street. I helped purify Nicaragua for the International Banking House of Brown Brothers in 1902–1912. I brought light to the Dominican Republic for the American sugar interests in 1916. I helped make Honduras right for the American fruit companies in 1903. In China in 1927 I helped see to it that Standard Oil went on its way unmolested. Looking back on it, I might have given Al Capone a few hints. The best he could do was to operate his racket in three districts. I operated on three continents.

my mother was somewhere else. See, I couldn’t go to the police and ask them for help, because they’d take my mother away. I didn’t know what to do. “So in the end I asked this old lady who used to teach me the piano. She was the only person I could think of. I asked her if my mother could stay with her, and I took her there. I think she’ll look after her all right. Anyway, I went back to the house to look for these letters, because I knew where she kept them, and I got them, and the men came to look and broke into the house again. It was nighttime, or early morning. And I was hiding at the top of the stairs and Moxie—my cat, Moxie—she came out of the bedroom. And I didn’t see her, nor did the man, and when I knocked into him she tripped him up, and he fell right to the bottom of the stairs.… “And I ran away. That’s all that happened. So I didn’t mean to kill him, but I don’t care if I did. I ran away and went to Oxford and then I found that window. And that only happened because I saw the other cat and stopped to watch her, and she found the window first. If I hadn’t seen her…or if Moxie hadn’t come out of the bedroom then…” “Yeah,” said Lyra, “that was lucky. And me and Pan were thinking just now, what if I’d never gone into the wardrobe in the retiring room at Jordan and seen the Master put poison in the wine? None of this would have happened either.” Both of them sat silent on the moss-covered rock in the slant of sunlight through the old pines and thought how many tiny chances

Partly at Rubel’s urging, Secretary of Defense McNamara later compelled the Minuteman developers, against great resistance, to install the equivalent of an electronic lock on the Minuteman, such that it couldn’t be fired without the receipt of a coded message from higher headquarters. Decades later, long after McNamara’s retirement, Bruce Blair, a former Minuteman launch control officer, informed the former secretary that the Air Force had ensured that the codes in the launch control centers were all set continuously at 00000000. According to Blair, McNamara responded, “I am shocked, absolutely shocked and outraged. Who the hell authorized that?” “What he had just learned from me,” Blair continues, was that the locks had been installed,52 but everyone knew the combination. The Strategic Air Command (SAC) in Omaha quietly decided to set the “locks” to all zeros in order to circumvent this safeguard. During the early to mid-1970s, during my stint as a Minuteman launch officer, they still had not been changed. Our launch checklist in fact instructed us, the firing crew, to double-check the locking panel in our underground launch bunker to ensure that no digits other than zero had been inadvertently dialed into the panel. SAC remained far less concerned about unauthorized launches than about the potential of these safeguards to interfere with the implementation of wartime launch orders. And so the “secret unlock code” during the height of the nuclear crises of the Cold War remained constant at 00000000.

In January 2004 President George W. Bush put NASA in high gear, heading back to the moon with a space vision that was to have set in motion future exploration of Mars and other destinations. The Bush space policy focused on U.S. astronauts first returning to the moon as early as 2015 and no later than 2020. Portraying the moon as home to abundant resources, President Bush did underscore the availability of raw materials that might be harvested and processed into rocket fuel or breathable air. “We can use our time on the moon to develop and test new approaches and technologies and systems that will allow us to function in other, more challenging, environments. The moon is a logical step toward further progress and achievement,” he remarked in rolling out his space policy. To fulfill the Bush space agenda required expensive new rockets—the Ares I launcher and the large, unfunded Ares V booster—plus a new lunar module, all elements of the so-called Constellation Program. The Bush plan forced retirement of the space shuttle in 2010 to pay for the return to the moon, but there were other ramifications as well. Putting the shuttle out to pasture created a large human spaceflight gap in reaching the International Space Station. The price tag for building the station is roughly $100 billion, and without the space shuttle, there’s no way to reach it without Russian assistance. In the end, the stars of the Constellation Program were out of financial alignment. It was an impossible policy to implement given limited NASA money.

Hardy reinforces his narrative with stories of heroes who didn’t have the right education, the right connections, and who could have been counted out early as not having the DNA for success: “Richard Branson has dyslexia and had poor academic performance as a student. Steve Jobs was born to two college students who didn’t want to raise him and gave him up for adoption. Mark Cuban was born to an automobile upholsterer. He started as a bartender, then got a job in software sales from which he was fired.”8 The list goes on. Hardy reminds his readers that “Suze Orman’s dad was a chicken farmer. Retired General Colin Powell was a solid C student. Howard Schultz, the CEO of Starbucks, was born in a housing authority in the Bronx … Barbara Corcoran started as a waitress and admits to being fired from more jobs than most people hold in a lifetime. Pete Cashmore, the CEO of Mashable, was sickly as a child and finished high school two years late due to medical complications. He never went to college.” What do each of these inspiring leaders and storytellers have in common? They rewrote their own internal narratives and found great success. “The biographies of all heroes contain common elements. Becoming one is the most important,”9 writes Chris Matthews in Jack Kennedy, Elusive Hero. Matthews reminds his readers that young John F. Kennedy was a sickly child and bedridden for much of his youth. And what did he do while setting school records for being in the infirmary? He read voraciously. He read the stories of heroes in the pages of books by Sir Walter Scott and the tales of King Arthur. He read, and dreamed of playing the hero in the story of his life. When the time came to take the stage, Jack was ready.

General Mario Vargas Salinas, now retired from Bolivia’s Eighth Army Division, was one of the young army officers present at Guevara’s burial. It was his duty to accompany an old dump truck carrying the bodies of the six dead rebels, including that of “Che” Guevara, to the airstrip in Vallegrande, Bolivia. Knowing that the facts surrounding the burials were leaking out, he decided that after 28 years the world should know what had happened to “Che” Guevara’s body. At the time, Captain Vargas, who had also led the ambush in which Tamara “Tania” Bunke, Guevara’s lover, was shot dead, said that Guevara was buried early on the morning of October 11th, 1967, at the end of the town’s landing strip. After the gruesome facts became known, the Bolivian government ordered the army to find Guevara's remains for a proper burial. General Gary Prado Salmón, retired, had been the commander of the unit that had captured Guevara. He confirmed General Vargas’ statement and added that the guerrilla fighters had been burned, before dumping their bodies into a mass grave, dug by a bulldozer, at the end of the Vallegrande airstrip. He explained that the body of “Che” Guevara had been buried in a separate gravesite under the runway. The morning after the burials, “Che” Guevara’s brother arrived in Vallegrande, hoping to see his brother’s remains. Upon asking, he was told by the police that it was too late. Talking to some of the army officers, he was told lies or perhaps just differing accounts of the burial, confusing matters even more. The few peasants that were involved and knew what had happened were mysteriously unavailable. Having reached a dead end, he left for Buenos Aires not knowing much more than when he arrived….

Performance measure. Throughout this book, the term performance measure refers to an indicator used by management to measure, report, and improve performance. Performance measures are classed as key result indicators, result indicators, performance indicators, or key performance indicators. Critical success factors (CSFs). CSFs are the list of issues or aspects of organizational performance that determine ongoing health, vitality, and wellbeing. Normally there are between five and eight CSFs in any organization. Success factors. A list of 30 or so issues or aspects of organizational performance that management knows are important in order to perform well in any given sector/ industry. Some of these success factors are much more important; these are known as critical success factors. Balanced scorecard. A term first introduced by Kaplan and Norton describing how you need to measure performance in a more holistic way. You need to see an organization’s performance in a number of different perspectives. For the purposes of this book, there are six perspectives in a balanced scorecard (see Exhibit 1.7). Oracles and young guns. In an organization, oracles are those gray-haired individuals who have seen it all before. They are often considered to be slow, ponderous, and, quite frankly, a nuisance by the new management. Often they are retired early or made redundant only to be rehired as contractors at twice their previous salary when management realizes they have lost too much institutional knowledge. Their considered pace is often a reflection that they can see that an exercise is futile because it has failed twice before. The young guns are fearless and precocious leaders of the future who are not afraid to go where angels fear to tread. These staff members have not yet achieved management positions. The mixing of the oracles and young guns during a KPI project benefits both parties and the organization. The young guns learn much and the oracles rediscover their energy being around these live wires. Empowerment. For the purposes of this book, empowerment is an outcome of a process that matches competencies, skills, and motivations with the required level of autonomy and responsibility in the workplace. Senior management team (SMT). The team comprised of the CEO and all direct reports. Better practice. The efficient and effective way management and staff undertake business activities in all key processes: leadership, planning, customers, suppliers, community relations, production and supply of products and services, employee wellbeing, and so forth. Best practice. A commonly misused term, especially because what is best practice for one organization may not be best practice for another, albeit they are in the same sector. Best practice is where better practices, when effectively linked together, lead to sustainable world-class outcomes in quality, customer service, flexibility, timeliness, innovation, cost, and competitiveness. Best-practice organizations commonly use the latest time-saving technologies, always focus on the 80/20, are members of quality management and continuous improvement professional bodies, and utilize benchmarking. Exhibit 1.10 shows the contents of the toolkit used by best-practice organizations to achieve world-class performance. EXHIBIT 1.10 Best-Practice Toolkit Benchmarking. An ongoing, systematic process to search for international better practices, compare against them, and then introduce them, modified where necessary, into your organization. Benchmarking may be focused on products, services, business practices, and processes of recognized leading organizations.

On the contrary, we absolutely mustn’t forget it. We mustn’t forget old people with their rotten bodies, old people who are so close to death, something that young people don’t want to think about (so it is to retirement homes that they entrust the care of accompanying their parents to the threshold, with no fuss or bother). And where’s the joy in these final hours that they ought to be making the most of? They’re spent in boredom and bitterness, endlessly revisiting memories. We mustn’t forget that our bodies decline, friends die, everyone forgets about us, and the end is solitude. Nor must we forget that these old people were young once, that a lifespan is pathetically short, that one day you’re twenty and the next day you’re eighty. Colombe thinks you can “hurry up and forget” because it all seems so very far away to her, the prospect of old age, as if it were never going to happen to her. But just by observing the adults around me I understood very early on that life goes by in no time at all, yet they’re always in such a hurry, so stressed out by deadlines, so eager for now that they needn’t think about tomorrow . . . But if you dread tomorrow, it’s because you don’t know how to build the present, and when you don’t know how to build the present, you tell yourself you can deal with it tomorrow, and it’s a lost cause anyway because tomorrow always ends up becoming today, don’t you see? So, we mustn’t forget any of this, absolutely not. We have to live with the certainty that we’ll get old and that it won’t look nice or be good or feel happy. And tell ourselves that it’s now that matters: to build something, now, at any price, using all our strength. Always remember that there’s a retirement home waiting somewhere and so we have to surpass ourselves every day, make every day undying. Climb our own personal Everest and do it in such a way that every step is a little bit of eternity. That’s what the future is for: to build the present, with real plans, made by living people.

know that taking a long walk was his preferred way to have a serious conversation. It turned out that he wanted me to write a biography of him. I had recently published one on Benjamin Franklin and was writing one about Albert Einstein, and my initial reaction was to wonder, half jokingly, whether he saw himself as the natural successor in that sequence. Because I assumed that he was still in the middle of an oscillating career that had many more ups and downs left, I demurred. Not now, I said. Maybe in a decade or two, when you retire. I had known him since 1984, when he came to Manhattan to have lunch with Time’s editors and extol his new Macintosh. He was petulant even then, attacking a Time correspondent for having wounded him with a story that was too revealing. But talking to him afterward, I found myself rather captivated, as so many others have been over the years, by his engaging intensity. We stayed in touch, even after he was ousted from Apple. When he had something to pitch, such as a NeXT computer or Pixar movie, the beam of his charm would suddenly refocus on me, and he would take me to a sushi restaurant in Lower Manhattan to tell me that whatever he was touting was the best thing he had ever produced. I liked him. When he was restored to the throne at Apple, we put him on the cover of Time, and soon thereafter he began offering me his ideas for a series we were doing on the most influential people of the century. He had launched his “Think Different” campaign, featuring iconic photos of some of the same people we were considering, and he found the endeavor of assessing historic influence fascinating. After I had deflected his suggestion that I write a biography of him, I heard from him every now and then. At one point I emailed to ask if it was true, as my daughter had told me, that the Apple logo was an homage to Alan Turing, the British computer pioneer who broke the German wartime codes and then committed suicide by biting into a cyanide-laced apple. He replied that he wished he had thought of that, but hadn’t. That started an exchange about the early history of Apple, and I found myself gathering string on the subject, just in case I ever decided to do such a book. When my Einstein biography came out, he came to a book event in Palo Alto and

Sometimes Marlboro Man and I would venture out into the world--go to the city, see a movie, eat a good meal, be among other humans. But what we did best was stay in together, cooking dinner and washing dishes and retiring to the chairs on his front porch or the couch in his living room, watching action movies and finding new and inventive ways to wrap ourselves in each other’s arms so not a centimeter of space existed between us. It was our hobby. And we were good at it. It was getting more serious. We were getting closer. Each passing day brought deeper feelings, more intense passion, love like I’d never known it before. To be with a man who, despite his obvious masculinity, wasn’t at all afraid to reveal his soft, affectionate side, who had no fears or hang-ups about declaring his feelings plainly and often, who, it seemed, had never played a head game in his life…this was the romance I was meant to have. Occasionally, though, after returning to my house at night, I’d lie awake in my own bed, wrestling with the turn my life had taken. Though my feelings for Marlboro Man were never in question, I sometimes wondered where “all this” would lead. We weren’t engaged--it was way too soon for that--but how would that even work, anyway? It’s not like I could ever live out here. I tried to squint and see through all the blinding passion I felt and envision what such a life would mean. Gravel? Manure? Overalls? Isolation? Then, almost without fail, just about the time my mind reached full capacity and my what-ifs threatened to disrupt my sleep, my phone would ring again. And it would be Marlboro Man, whose mind was anything but scattered. Who had a thought and acted on it without wasting even a moment calculating the pros and cons and risks and rewards. Who’d whisper words that might as well never have existed before he spoke them: “I miss you already…” “I’m thinking about you…” “I love you…” And then I’d smell his scent in the air and drift right off to Dreamland. This was the pattern that defined my early days with Marlboro Man. I was so happy, so utterly content--as far as I was concerned, it could have gone on like that forever. But inevitably, the day would come when reality would appear and shake me violently by the shoulders. And, as usual, I wasn’t the least bit ready for it.

We've been here three days already, and I've yet to cook a single meal. The night we arrived, my dad ordered Chinese takeout from the old Cantonese restaurant around the corner, where they still serve the best egg foo yung, light and fluffy and swimming in rich, brown gravy. Then there had been Mineo's pizza and corned beef sandwiches from the kosher deli on Murray, all my childhood favorites. But last night I'd fallen asleep reading Arthur Schwartz's Naples at Table and had dreamed of pizza rustica, so when I awoke early on Saturday morning with a powerful craving for Italian peasant food, I decided to go shopping. Besides, I don't ever really feel at home anywhere until I've cooked a meal. The Strip is down by the Allegheny River, a five- or six-block stretch filled with produce markets, old-fashioned butcher shops, fishmongers, cheese shops, flower stalls, and a shop that sells coffee that's been roasted on the premises. It used to be, and perhaps still is, where chefs pick up their produce and order cheeses, meats, and fish. The side streets and alleys are littered with moldering vegetables, fruits, and discarded lettuce leaves, and the smell in places is vaguely unpleasant. There are lots of beautiful, old warehouse buildings, brick with lovely arched windows, some of which are now, to my surprise, being converted into trendy loft apartments. If you're a restaurateur you get here early, four or five in the morning. Around seven or eight o'clock, home cooks, tourists, and various passers-through begin to clog the Strip, aggressively vying for the precious few available parking spaces, not to mention tables at Pamela's, a retro diner that serves the best hotcakes in Pittsburgh. On weekends, street vendors crowd the sidewalks, selling beaded necklaces, used CDs, bandanas in exotic colors, cheap, plastic running shoes, and Steelers paraphernalia by the ton. It's a loud, jostling, carnivalesque experience and one of the best things about Pittsburgh. There's even a bakery called Bruno's that sells only biscotti- at least fifteen different varieties daily. Bruno used to be an accountant until he retired from Mellon Bank at the age of sixty-five to bake biscotti full-time. There's a little hand-scrawled sign in the front of window that says, GET IN HERE! You can't pass it without smiling. It's a little after eight when Chloe and I finish up at the Pennsylvania Macaroni Company where, in addition to the prosciutto, soppressata, both hot and sweet sausages, fresh ricotta, mozzarella, and imported Parmigiano Reggiano, all essential ingredients for pizza rustica, I've also picked up a couple of cans of San Marzano tomatoes, which I happily note are thirty-nine cents cheaper here than in New York.

Tyron J Harrison loves to work on his collection of muscle cars in his spare time and is always on the lookout for new projects to devote his time to. After a highly lucrative career in the manufacturing industry, Tyron J Harrison planning on having an early retirement so that he can spend more time with his ever-growing collection of cars.

The general path to FIRE is to save 50 to 70 percent of your income, invest those savings in low-fee stock index funds, and retire in roughly ten years.

FI is not about retiring early or retiring at all really. It’s all about having the freedom and flexibility to design your life in alignment with your values.

Actions Summary The following list of new institutions, policies and actions is my best effort at envisaging what is required for Australia to survive the climate emergency. • A National Target and Plan for 95% or more of electricity to be supplied by renewables by 2030. • State plans to electrify all transport, beginning with the swift retirement of non-electric buses and including a plan for 50% of all new car sales to be EVs by 2030. • Implement planned changes to how we work and live so as to minimise unnecessary travel. • A plan for clean hydrogen to replace bunker fuel in shipping. • A plan for the adoption of e-fuels for aviation, with an aim to have all domestic flights running on e-fuel by 2030. • A National Commission for Climate Adaptation, with a Coastal Defence Fund and a Commission for Primary Production operating under its umbrella. • A National Initiative on Drawdown Innovation to provide leadership in early stage research and fund some on-ground projects. • The Federal Government to help convene a Global Working Group on Geoengineering.

By early 2014 there were sufficient indications that the High Court action would prove extraordinary by Irish legal standards. It had emerged that a telephone system that handled emergency calls, which had been installed in garda stations across Ireland in the 1980s, had a recording function. Such a recording function posed fundamental problems at a garda station–not least for some conversations between gardaí, which should have been treated as confidential. This system with a recording function was discontinued in November 2013. The garda commissioner at the time, Martin Callinan, had alerted the Department of Justice in March 2014 to the fact that the recording system had been in place. So seriously was the matter taken that it was immediately brought to the attention of Taoiseach Enda Kenny and discussed at a full Cabinet meeting on 25 March. By that time, the retirement of Commissioner Callinan had been confirmed in the wake of the controversy over the treatment of the so-called garda ‘whistle-blower’ Maurice McCabe. Bandon Garda Station, the centre of the du Plantier murder investigation, had such a telephone recording system and it had been in operation between 1997 and 2003–critical periods for the du Plantier investigation.

like the Ocean Cleanup project or raising awareness of the Effective Altruism movement.

Virtually all brokerage firms offer individual retirement accounts (IRAs). There are two main types: traditional and Roth. The main difference between them is tax treatment. Traditional IRAs give you a tax deduction now, and tax-deferred growth for the money in the account; you pay taxes only when you begin to withdraw money. Roth IRAs give you no tax deduction now, but all of the money in the account grows tax-free as long as you don’t take it out early (the after-tax money you put in you can still access penalty-free if you need to).

Similarly, let’s say you want to start a business. What’s the ultimate purpose? Are you trying to make an extra few hundred dollars a month to be able to go on holiday? Or are you aiming for a multimillion-dollar exit so you can retire early? Or are you building something you think will help people and change lives? Now think about what that means for your next steps. Do you really need to quit your job altogether, or just carve out a few hours in the evenings? Would it be best to rush headlong into creating the business, or do you need to develop your skills first?

Born into this world, you rise early and retire late–how could you dare to snatch a moment's leisure?

Nikki knew that seniority in law enforcement was a double-edged sword. It often earned the respect of the department, but it also put them closer to retirement. In times of upper-level change, a senior officer butting heads with a new boss was a good way to get on the fast track to early retirement

My first challenge was convincing my very practical husband that the only regret we would have if we retired early, sold everything and hit the road, was not doing it sooner. My main strategy involved finding podcasts that

An uplifting story of a middle-aged woman overcoming fear and self-doubts to find adventure, love, and family. Forced into early retirement, Bennett Hall plans for a quiet, orderly, and anonymous existence. No longer will she be burdened by her dependent but unlovable aunt, or her own misperceived rejections. Unexpected encounters and a new job crack open her social isolation. The arrival of Joe Muir, an attractive widower, and his two adopted Ugandan children, awaken Bennett’s long-ignored desires--and self-doubts. Inspired to win Joe’s love she flies to Uganda in search of the children’s missing sister. To overcome the dangers and challenges she confronts, she must find the courage she has always lacked.

While the symptoms of CTE can include difficulty with math or memory, some common early symptoms also include disorientation, dizziness, headaches, irritability, outbursts of violent or aggressive behavior, confusion, speech abnormalities, and major depressive disorder (McKee, et al., 2009). A large number of CTE symptoms have very little to do with how “smart” you are, and CTE can make daily life or maintaining simple human relationships extremely difficult. A disproportionately large number of retired athletes with CTE commit suicide, including Chicago Bears defensive back Dave Duerson, who texted his family to ask that his brain be used for research into the disease before fatally shooting himself in the chest in 2011.

Once more, let’s run down the major points of this class: • Consider paying off your mortgage before you retire. • Start planning for how you will be able to keep working well into your 60s. • Save more today so you will be okay if you can’t afford to save in your 60s. • Make it a goal to delay when you start drawing Social Security, so you can earn a benefit that could be 80% bigger than if you start early. • Make sure all your retirement accounts are invested to complement one another. • Decide no later than age 59 if long-term care insurance should be part of your retirement plan.

FOCUS is one of the most valuable skills in business, and is becoming increasingly rare. If you can master this skill, you’ll achieve extraordinary results and make more money than most people. In his book, "Deep Work: Rules for Focused Success In a Distracted World", Cal Newport says: “Deep work is the ability to focus without distraction on a cognitively demanding task. It’s a skill that allows you to quickly master complicated information and produce better results in less time. Deep work will make you better at what you do and provide the sense of true fulfillment that comes from craftsmanship. In short, deep work is like a super power in our increasingly competitive twenty-first century economy. And yet, most people have lost the ability to go deep – spending their days instead in a frantic blur of email and social media, not even realizing there’s a better way.” When I started writing a book a month, I have to admit, it was challenging. I quickly realized I had a focus problem. Coincidentally, I attended a book festival and picked up a book by Catherine Price, "How to Break Up With Your Phone", and discovered my life was being sucked away one text message, one social media post, and one email at a time. If I wanted to write a book a month, I needed to get my life and my time back. I read Catherine’s book, and the following especially resonated with me: “Today, just over a decade since smartphones entered our lives, we’re beginning to suspect that their impact on our lives might not be entirely good. We feel busy but ineffective… The same technology that gives us freedom can also act like a leash—and the more tethered we become, the more it raises the question of who’s actually in control.” I had lost control of my time and my ability to focus. It wasn’t an overnight event, it was a slow, insidious change that happened over a long period of time. Below are some other interesting statistics from Price’s book: Americans check their phones 47 times per day.

Feynman once remarked that the best way to find new insights into a problem was to step out of the box, ignore previous publications, and come to your own conclusions.

Last is the power of stories over statistics. “Housing prices in relation to median incomes are now above their historic average and typically mean revert” is a statistic. “Jim just made $500,000 flipping homes and can now retire early and his wife thinks he’s amazing” is a story. And it’s way more persuasive in the moment. It’s hard to compute, but it’s how the world works. In the next chapter, we’ll look at life’s guaranteed ability to swing from one absurdity to the next.

Early retirement. We were definitely going to discuss an early retirement if he didn’t change his attitude.

For traditional employment, don’t pursue your passion. Find a company that appreciates its employees and will provide challenging work for equitable compensation. Make the rest of your life about pursuing your passions.

Archie asked for early retirement and the ability to have first crack at meeting Sin’s asking price for the shop. Sin didn’t even make it public, just worked out the details with Archie, who was clearly cut out

The average daycare provider lives on the edge of poverty, with hourly wages below those of truck drivers, bartenders, animal care technicians, and even some middle-class teenage babysitters. Certified preschool teachers make a bit more money, but retirement plans are almost unheard of for preschool teachers not affiliated with a public school, and preschools have rarely provided health benefits or other nonsalary remuneration.12 In Mississippi, catfish skinners apparently make more money than daycare providers. In some parts of the country, childcare providers don’t even need a high school diploma, and the care of dead people in funeral homes is more tightly regulated than the oversight of living children in early education and care settings.13

Things changed radically between the early 1990s and 2019. The spread of fracking turned the United States into the world’s biggest oil producer by 2013. The American economy wasn’t dependent on Saudi oil anymore. Now it could pump its own. Then Barack Obama made the nuclear deal with Iran, alienating Saudi leaders. Mohammed had high hopes that Donald Trump, with his visit to the kingdom early in his presidency, would renew the kind of relationship Saudi Arabia had under previous presidents. But as Trump showed Mohammed in that embarrassing White House visit, when the president displayed a poster board showing arms sales to the kingdom, this new White House was purely transactional. The decades-long US-Saudi alliance didn’t mean much to Trump and his deputies, and many of the old officials who kept that alliance going for both sides, men like Mohammed bin Nayef and former CIA director John Brennan, had been sent off to retirement, or worse.

To learn why bundling sometimes works, and other times doesn’t, I went to the source. I asked Brad Silverberg, who in his decade at Microsoft headed up some of the company’s most important product efforts—including the much-celebrated release of Windows 95, accelerating the franchise from $50 million to $3.5 billion, as well as all the early releases of Internet Explorer. He’s been a mentor of mine for years, having served on the board of a startup I founded years back. I interviewed Brad for The Cold Start Problem over videoconference; he was mostly retired and spending time with family in Jackson Hole, Wyoming. But his experience from the 1980s and ’90s has made him the definitive authority on this topic, and perhaps surprisingly, he’s skeptical of the power of bundling: Bundling a product is not the silver bullet everyone thinks. If it were that easy, the version 1.0 for Internet Explorer would have won, by simply bundling it with Windows. It didn’t—IE 1.0 only got to 3% or 4% market share, because it just wasn’t good enough yet. Bing is another example, when Microsoft wanted to get into search. It was the default search engine across the operating system, not just in Internet Explorer but also MSN and everywhere Microsoft could jam it. But it went nowhere. The distribution advantages don’t win when the product is inferior.91 Even if bundling gets you a lot of new users trying out a product, they won’t stick around if there’s a huge gap in features.

life in the fast lane has left me broken on the hard shoulder, a smouldering relic of my former ability, burnt out like a meteor, re-entering retirement with all the control of a comet without an orbit. I'm as empty as a black hole, a vacuum of energy, a non-event, back to your creator, motherfucker, back under the rock you

(In April 2018, a retired neuropsychologist at Boston University’s medical school wrote an essay for Politico Magazine lamenting Miller’s nativist views and wondering what might have happened if the U.S. government had had in place the sort of anti-immigrant policies Miller favored back when his own family escaped the pogroms of Poland in the early 20th century. The author was Miller’s uncle.)

An Investor in Early Retirement Diversified domestic stocks 30% Diversified international stocks 10% Intermediate-term bonds 30% Inflation-Protected Securities 30% An Investor in Early Retirement Using Vanguard Funds Total Stock Market Index Fund 30% Total International Index Fund 10% Total Bond Market Index Fund 30% Inflation-Protected Securities 30%

I’d also like to thank retired Army Colonel Douglas Moore, Dust Off helicopter pilot and recipient of the Distinguished Service Cross, awarded to him for actions during the Vietnam War. Doug flew 1,847 combat missions, evacuated nearly 3,000 wounded, and was inducted into the Dust Off Hall of Fame in 2004. Thank you for taking the time to read and critique an early draft of The Women, and for answering an endless series of follow-up questions.

s. These seven steps helped us find our own financial Fast Track, and we continue to use them today. I trust they can assist you in charting your own course to financial freedom. To do so, you must be true to yourself. If you are not yet a long-term investor, get yourself there as fast as you can. What does this mean? Sit down and map out a plan to get control of your spending habits. Minimize your debt and liabilities. Live within your means, and then expand your means. Find out how much money invested per month, for how many months, at a realistic rate of return it will take to reach your goals of retiring, creating cash flow, and gaining financial freedom. Simply having a long-term plan that reduces your consumer debt while putting away a small amount of money regularly will give you a head start if you start early enough and keep an eye on what you are doing. At this level, keep it simple. Don’t get fancy

If information is simply accumulated (compiled), one should expect at some point to be forgetting practically as fast as new things are learned--it is just the brain's way of being efficient on its own.37 This is particularly true when the focus is on compiling facts instead of reducing facts to principles and synthesizing more general theories (see Gauging mastery). The same principle holds when accumulating things without learning new and better ways to use them, or when building relationships without connecting them into a community.

The main mistake when dealing with an overwhelming amount of data and stuff is to reduce it, rather than relating to it on a more abstract level. It's always easier to cut away than it is to create, but it's not always the best solution.

We have an economic model that is based on pulling resources out of the ground and mostly turning them into unnecessary products, getting people to buy the products by convincing them that they need them, then getting them to throw the products away because they're obsolete. This makes people buy the next model and bury the other one in the ground.

In that regard, our society is more akin to a highly developed insect colony where specialized members work for the greater whole.

It is curious that experts recommend that investments be broadly diversified, while at the same time recommending that job skills should be highly concentrated.

preprocessed food, which only needs to be heated, takes about 15 minutes of salary work to pay for, which is comparable to the time it takes to cook a similar meal from scratch.

A very common and very good piece of career advice is not to work to earn money but to work to learn new skills, gain new connections, and create new opportunities.

first running out to stores to buy supplies and then running back to work to pay for them, leaving little time and room for the project, which eventually moves out to the garage with the rest of the stuff.

The reason is that, other than working faster, most people really don't have a lot of freedom in terms of strategies for reaching their goal, since their strategies are locked in

If you only have a hammer, the whole world becomes a nail--the most common hammer is in the shape of a credit card.

Since humans need very little, eliminating various wants can go far in terms of solving problems. Can't afford it? Don't want it! Too complicated? Don't want it! Reduce and simplify. Reduce and simplify!

Providing things for free provides value insofar as it prevents further consumption of finite resources and maximizes the use of our productive efforts.

Let current purchases determine what problem you're currently solving rather than the other way around; adapt your plans to what is on sale.

no-stick treatment for pots and pans only lasts a couple of years and that it can't, as far as I know, be replaced, get stainless steel, iron, or copper the next time.

Finding the good stuff can be done by exploiting survivor bias. As someone informed me, the good stuff is whatever costs more than $100 in a pawn shop or an antique store.

When renting, you're usually not responsible for breakdowns. This is a winning proposition if you don't have the skills to fix it yourself and a losing one if you do have the skills or could cultivate them.

Buying a set of, say, screwdrivers to "save" money is rarely worthwhile. You will end up breaking the ones you use constantly and with a collection of ones you never use. Never buy the set.

Many houses increasingly serve not only as living quarters but also as storage areas for toy collections, personal libraries, galleries of art and other assorted knick-knacks, small supermarkets (massive refrigerators), home cinemas, and restaurant-sized kitchens which seem proportional in size to the time the owners spend away from them,

Is your money best spent on an extra bedroom or five years of freedom?

High-intensity workouts generate more than 1000W (see High intensity interval training), which is comparable to a small space heater. For room-heating purposes you can substitute the company of 10 friends with one intensely exercising person.

Commercial detergent is an interesting concoction of sodium carbonate, borax, and inactive ingredients (color agents), all of which are very inexpensive, plus advertising campaigns, management salaries, distribution systems, etc., which comprise most of the cost.

traditional best way is to learn several recipes and notice which ingredients they have in common. If one recipe includes an ingredient that is used in only that recipe, avoid the recipe. The more it's optimized, the easier it is to manage the system, but obviously there are diminishing returns to obsessing over which recipes have the most synergy.

What happens is that air-conditioning makes sweat glands ineffective as they're never called into use. This means that when moving outside in the hot air, more blood has to be directed away from the core and the muscles to cool the body.

During the day, professionals attend to their jobs. During the evenings, they vegetate in front of their TVs, thereby prevented from learning anything, and this effectively keeps them in their jobs.

Having a firm relationship with one's personal values is also important in the short term.

This lack of complex social structure has led to neighborhoods where each household has their own power mower that they use for 15 minutes a week to mow their postage stamp-sized lawn.

Rather than working to establish such a large income, it can, however, just as easily be gained by acquiring skills instead.

Most activities require some combination of agility, strength, and work capacity. Yet aerobics, running, or jogging enhance none of these qualities.

For example, the amino acid tryptophan, which is found in abundance in chocolate, oats, and milk and meat products, is a precursor for the neurotransmitter serotonin, which improves mood.

Further, in the US walking is something you do inside the mall, and in Europe walking is something you do to get to the bus stop.

A retired postman tells you it’s not just the front end of dogs that can make early morning deliveries so fraught….

Edwards, who certainly did not lack for worldliness and even cynicism, was unsettled by the degree of rancor Duke could inspire. At a debate in front of the state convention of the American Association of Retired Persons, Edwards discovered how deep the Duke appeal went. Edwards promised improvements in services for seniors; the crowd wasn’t interested, but they gnashed at Duke’s red meat about the illegitimate birth rate and the welfare underclass. Edwards tried to appeal to facts: “A welfare mother only receives an extra $11 a week with each extra child she bears. Can you see a woman sitting around the kitchen table scheming to get pregnant to get another $11 a week?” The crowd shouted back, “Yes!” Edwards protested: “He’s appealing to your base emotions. Who is going to be next? The disabled? The old? You better think about it.” He was drowned out by boos. The Louisiana AARP endorsed Duke.

The volume of the pyramid represents the will to change from an unsatisfying situation to something else and depends on vision, how practical the change is, and the level of dissatisfaction with the situation.

Nothing worth having comes easy.

On one level this was stressful and pressure-laden, but on another he could not have been more comfortable. Richard knew a few people who, like himself, basically could not stop making money no matter what they did; they could be kicked out the door of a moving taxi anywhere in the world and be operating a successful business within weeks or months. It usually took a few tries to get the hang of it. Beyond that, it was possible to succeed beyond all reasonable bounds if one kept at it. Some found an adequately successful business early enough in life that they were golden-handcuffed; others only figured out how to make money as they were approaching the age of retirement. After the smuggling and the Schloss, Richard had gotten to the place where he just knew how to do it, in the sense that every teenaged tinkerer who played with electricity knew that in order to make anything happen you had to connect a wire to each terminal of the battery. At some level, making any business run was that simple. Everything else was fussing with the knobs.

Second Officer Lightoller also served in the Royal Navy during the first war. He returned to White Star after the Armistice and was made Chief Officer of the lumbering Celtic. For a while he had hopes of a transfer to the crack Olympic, but was passed over. He retired from the sea in the early 20’s and tried his hand (not too successfully) at everything from writing columns to raising chickens. But the sea still ran in his blood. He designed and sailed his own yacht Sundowner and had a final taste of peril in 1940. He took Sundowner over to Dunkirk with the great fleet of “little ships,” and rescued 131 British soldiers. At his best in the midst of disaster, he cheerfully wrote his brother-in-law several days later, “We’ve got our tails well up and are going to win no matter when or how.

Rather, difficulty in our work is a product of the Fall (Genesis 3:17–19). Since the Fall made our work difficult, and because we are in a fallen state, we naturally want to find a way not to do our work. In our culture, and even in the Church, our fallen state often shapes our attitude toward work. For example, in secular society, human fulfillment is often seen as an escape from work (i.e., early retirement or winning the lottery). On the other hand, for many people work is the center of their life and in effect becomes their idol — their means of personal fulfillment. The Bible warns against both of these mentalities.

In the same vein, tally up the sum total of your earned income so far, subtract your savings, and compare the difference to your pile of stuff. Was it really a good deal?

Unfortunately for the existing mature systems in nature, the rapid expansion of the human bubble is destroying them. Unfortunately for us, we can't exist without them any more than a living person can exist without oxygen or a body can exist without a head. In this sense, it is actually a conceptual error to define the environment as the rest of the biosphere save humans, and think of ourselves as apart from it, since we can't exist without it.

realize that economic agents all represent special interests that typically interpret the situation according to their own interests or political views.

had eaten in the hotel restaurant and retired early to bed. Parkman had asked if Vivian had said anything lately and Sarah had replied in the negative. He didn’t ask how she was planning to die. Partly because he didn’t want to know, Sarah assumed, and partly because if she did in fact die, how would he tell her parents? He knew them. He was in Europe because of them. Parkman felt it was his personal duty to stay close to Sarah. To protect her.

The retirement age for Greek jobs classified as “arduous” is as early as fifty-five for men and fifty for women. As this is also the moment when the state begins to shovel out generous pensions, more than six hundred Greek professions somehow managed to get themselves classified as arduous: hairdressers, radio announcers, waiters, musicians, and on and on and on. The Greek public health-care system spends far more on supplies than the European average—and it is not uncommon, several Greeks tell me, to see nurses and doctors leaving the job with their arms filled with paper towels and diapers and whatever else they can plunder from the supply closets.

wit, a salary or even the potential of a future salary seems to be a gateway to the debt drug; so many people could probably reduce the risk of getting into debt by simply quitting their jobs.

I’d like you to have supper with me this evening,” he called out, in jovial expectation of her ready agreement. Emma walked circumspectly toward him, so that she wouldn’t be forced to shout her refusal for the entire town to hear. “Fulton,” she said in a moderate tone, “we have already discussed this matter. And I’ve told you that I think you and I have spent entirely too much time together.” He looked more annoyed than disappointed. “I would have thought you’d be over that nonsense by now. I’ll come by for you at seven, and we’ll dine at the hotel.” Although she could feel her color rising, Emma kept her temper. “Please do not trouble yourself, Mr. Whitney. I will be dining alone and retiring early.” With that, she turned to walk briskly away. Fulton’s fingers bit into her upper arm, hard enough to leave bruises, and when Emma looked up into his eyes in furious surprise, she was frightened by the cold anger she saw there. “Don’t make the mistake of thinking I’ll give you up so easily, Emma,” he breathed, “because I won’t.” She rubbed her arm as she walked away, torn between puzzlement and outrage. Uneasiness quivered in the pit of her stomach. When

My dear boys, it's been an exhausting day. I had hoped to spend an evening of love making with you two handsome men but, alas, tonight is not the night. I'm tired and am retiring early, on my own. What plans do you have tomorrow?

Early July 2012 Young, I started reading your blog, “Life Of A Harem Boy,” and it brought back memories of our time together. As much as I am not in favor of you writing about our E.R.O.S. experiences, I applaud your bravery and the honest approach in your stories. Your courage to tell all has somehow convinced me to add my point of view to our adventures together. My dear, you sure have cogent ways of softening my stances in providing credence to your narrations. One thing I’m glad you didn’t do is tell your story as an exposé to discredit the positive experiences of our clandestine society, of the people involved and the schools we attended. For this I laud you. If you are open to my retelling of your stories through my experiences, we may at some point arrive at a juncture where we can be co-authors in one book of your Harem Boy series. This collaboration will provide further credibility to our escapades. I’d be happy to team up with you if you are open to me being a co-writer of one of your 5 books. Since I am semi-retired and have time to kill, it will be an excellent opportunity for me to recount part of my life story in conjunction with you. In many ways, I am glad we reconnected. Maybe the time is ripe for us to work on a joint project (which we had the intention of doing many years ago). Do you remember how we discussed a collaboration but never got around to it? This may be the perfect project. We can tell a similar story from different angles and points of view. I think we’ll also be able to rekindle our friendship more deeply. Let me know your thoughts.

Why did people make such a fateful miscalculation? For the same reason that people throughout history have miscalculated. People were unable to fathom the full consequences of their decisions. Whenever they decided to do a bit of extra work – say, to hoe the fields instead of scattering seeds on the surface – people thought, ‘Yes, we will have to work harder. But the harvest will be so bountiful! We won’t have to worry any more about lean years. Our children will never go to sleep hungry.’ It made sense. If you worked harder, you would have a better life. That was the plan. The first part of the plan went smoothly. People indeed worked harder. But people did not foresee that the number of children would increase, meaning that the extra wheat would have to be shared between more children. Neither did the early farmers understand that feeding children with more porridge and less breast milk would weaken their immune system, and that permanent settlements would be hotbeds for infectious diseases. They did not foresee that by increasing their dependence on a single source of food, they were actually exposing themselves even more to the depredations of drought. Nor did the farmers foresee that in good years their bulging granaries would tempt thieves and enemies, compelling them to start building walls and doing guard duty. Then why didn’t humans abandon farming when the plan backfired? Partly because it took generations for the small changes to accumulate and transform society and, by then, nobody remembered that they had ever lived differently. And partly because population growth burned humanity’s boats. If the adoption of ploughing increased a village’s population from 100 to 110, which ten people would have volunteered to starve so that the others could go back to the good old times? There was no going back. The trap snapped shut. The pursuit of an easier life resulted in much hardship, and not for the last time. It happens to us today. How many young college graduates have taken demanding jobs in high-powered firms, vowing that they will work hard to earn money that will enable them to retire and pursue their real interests when they are thirty-five? But by the time they reach that age, they have large mortgages, children to school, houses in the suburbs that necessitate at least two cars per family, and a sense that life is not worth living without really good wine and expensive holidays abroad. What are they supposed to do, go back to digging up roots? No, they double their efforts and keep slaving away. One

Alcohol is similar: I don’t drink, but the drinkers in the MMM and Early Retirement Extreme communities often carry a flask with them when they go, going from 4 drinks at the bar down to maybe 1 plus their flask-sips. Apparently this has a fun clandestine feel to it, too.

Claire loved early evening in the hotel the best. Between five and six, when the sun slanted in through the windows, it had a sort of sleepiness combined with a sense of expectation. As the kitchen launched into preparation and the barman filled his ice bucket and laid out bowls of olives, guests retired to their rooms, relaxing on their beds for a quick power nap, or watching the news, or putting on make-up over sun-kissed skin, or making lazy holiday love.

She retired early and, consequently, was in ignorance of the receipt of a telegram by Sylvanus Starr announcing the return of Andy P. Symes and the complete success of his eastern mission. So when she was awakened the next morning by a conflict of sounds which resembled the efforts of a Chinese orchestra and raised the shade to see the newly organized Cowboy band making superhuman endeavors to march and yet produce a sufficiently correct number of notes from the score of "A Hot Time in the Old Town" to make that American warcry recognizable, she knew that something unusual had developed in the interim of her long sleep. It

Politicians who are not contemplating early retirement usually find survival more attractive than martyrdom.

Feed your soul through service Sometimes you can work all day and you’ll get tired physically. But there are times when you go out of your way to be a blessing. You get up early to help a coworker. You stop by the hospital and pray for a friend. You mow a neighbor’s lawn after work. Doing all that should make you tired and run-down, but you feel energized, stronger, and refreshed. Why is that? When you do the will of your Father it doesn’t drain you, it replenishes you. You may volunteer in your community each week. You may get up early and go to church on your day off, maybe serving in the children’s ministry after working all week. You may clean houses in the community outreach Saturday morning. You may spend the afternoon at the prison encouraging the inmates. You’d think you would leave tired, worn out, run-down, and needing to go home and rest after volunteering all day. But just like with Jesus, when you help others, you get fed. Strength, joy, energy, peace, wisdom, and healing come to those who serve. You should be run-down, but God reenergizes and refreshes you so that at the end of the day you aren’t down, you are up. You don’t leave low, you leave high. God pays you back. Every time I leave one of our church services, I feel stronger than when I came in. It doesn’t make natural sense. I put out a lot of energy, spend long hours, and shake a lot of hands, but I go home reenergized. Why? Because when you serve others, making their lives better, lifting them, healing those who are hurting, you are blessing them and being blessed yourself. You are being fed. You’re being filled back up. If you’re always tired and run-down, with no energy, it may be that you’re not doing enough for others. You’ve got to get your mind off yourself. Go to a retirement home and cheer up someone who is lonely. Bake your neighbor a cake. Coach the Little League team. Call a friend in the hospital. As you lift others, God will lift you. This should not be something you do every once in a while, when you have extra time. This should be a lifestyle, where it’s a part of your nature. You don’t have to do something big--just small acts of kindness. A simple word of encouragement can make someone’s day.

You have a distinct talent for emptying a room, my love." Not certain whether it was a compliment or complaint, she replied warily. "Someone had to get rid of them, else they would have stayed all night." "Very well, you've banished our visitors, and you have me all to yourself. I'm interested to learn the rest of your plan for this evening." Disconcerted by the teasing glint in his eyes, Lara twined her fingers in a knot. "If you would care to retire, I'll have a supper tray sent up to your room-" "You're suggesting I go to bed early and alone?" His short grin both mocked and flirted with her. "I was hoping for a better offer than that.

A common canard of the time showed Ike viewing the Presidency simply as an agreeable place in which to pass the early years of his retirement, with wonderful opportunities for golf.

Early June 2012 Arius responded to my reply almost immediately. He wrote: Hi Young, I’m delighted to know that you’ll soon be a published author. As you know, I have been following your blogs after you forwarded me the password and username. I find your memoirs fascinating and compelling. I am interested to conduct a case study of your life. During our earlier correspondence I mentioned that I am a retired psychiatrist and I continue to be intrigued by people who had riveting experiences. Throughout my years as an active psychiatrist, I had conducted many researches on the power of the human spirit. Reasons some people have nervous breakdowns while others in similar situations had managed to turn unscathed; going on to live active healthy lives.

George could dig and pour the concrete basement for a house. He could saw the lumber and nail the frame. He could wire the rooms and fit the plumbing. He could hang the drywall. He could lay the floors and shingle the roof. He could build the brick steps. He could point the windows and paint the sashes. But he could not throw a ball or walk a mile; he hated exercise, and once he took early retirement at sixty he never had his heart rate up again if he could help it, and even then only if it were to whack through some heavy brush to get to a good trout pool. Lack of exercise might have been the reason that, when he had his first radiation treatment for the cancer in his groin, his legs swelled up like two dead seals on a beach and then turned as hard as lumber. Before he was bedridden, he walked as if he were an amputee from a war that predated modern prosthetics; he tottered as if two hardwood legs hinged with iron pins were buckled to his waist. When his wife touched his legs at night in bed, through his pajamas, she thought of oak or maple and had to make herself think of something else in order not to imagine going down to his workshop in the basement and getting sandpaper and stain and sanding his legs and staining them with a brush, as if they belonged to a piece of furniture. Once, she snorted out loud, trying to stifle a laugh, when she thought, My husband, the table. She felt so bad afterward that she wept.

Jesus once told us to find a quiet room of the house and retire there for regular private prayer (Matt. 6:6), and He Himself arose early in the morning for a time of communion with the Father before the day began (Mark 1:35). Our daily “quiet time” is the key to Christian serenity and sanctity. As we open our Bibles and our prayer notebooks in His presence, we can pray with Samuel, who said, “Speak, Lord, for your servant is listening” (1 Sam. 3:9 NIV).

But, in November, the problem of Nanterre raised its head again, now more urgently. One Saturday morning, after an hour’s journey under a heavy downpour, Ricoeur found only one student waiting for him in the room where he was to give his agrégation class. He was furious, and went straight up to the office to ask to take early retirement.

expenditures are trimmed and social welfare programs are undone. State policies promote the deregulation of the labor market: deindexation of earnings, part-time employment, early retirement and the imposition of so-called “voluntary” wage cuts. . . In turn, the practice of attrition – which shifts the social burden of

I want to be around people whose goals in life are more than early retirement and a new double-wide.

She didn’t worry that she was boring him, as Old Jane would’ve done. It didn’t matter, she reminded herself. He was paid to listen to her and make her feel like the most interesting person in the world, and so, by George, she would be. His lips pressed into a small smile that stayed. A very small smile. Sometimes almost imaginary. Jane wished that it might be bigger, that it might beam at her, but she supposed that wasn’t the Nobley way. Then when she’d decided that his smile was a figment, Mr. Nobley said--or whispered, rather-- “Let’s go look at your paintings.” What a delight, this man. How he kept surprising her, tossing aside his uptight propriety for her sake, murmuring plans for meeting in secret, fibbing to the others that he would withdraw early, then waiting upstairs for her to do the same. With a thrill to look around for watchers and scramble into her chamber, shutting the door behind them. Jane stood with her back to the door, her hands still on the knob, breathing hard and trying to laugh quietly. He was leaning against the wall, smiling. The moment was giddily awkward as she waited to see what he had in mind, if he would suddenly shed Mr. Nobley and become some other man entirely. If he would break any other rules. The wait was agonizing. She realized she didn’t know what she wanted him to do. “I would love to see those paintings,” he said, his voice still proper. “Of course,” she said. Of course he was still Mr. Nobley, of course the man, the actor, was not falling in love with her. And a relief it was, too, as she realized she wasn’t ready to let go of Pembrook Park yet. Somehow she had to be by the day after tomorrow. She presented the first painting, and he held it at arm’s length for some time before saying, “This is you,” though the portrayal was not photo-realistic. “I couldn’t quite get the eyes,” she said. “You got them just right.” He didn’t look away from the painting when he said, “They are beautiful.” Jane didn’t know whether to thank him or clear her throat, so she did neither and instead handed him the second painting or her window and the tree. “Ah,” was all he said for some time. He glanced back and forth between both paintings. “I like this second one best. Beside it, the portrait looks stiff, as though you were too cautious, measuring everything, taking away the spontaneity. The fearlessness of this window scene is a better style for you. I think, Miss Erstwhile, that you do very well when you loosen up and let the color fly.” He was right, and it felt good to admit it. Her next painting would be better. “I should let you retire.” He held the self-portrait a minute longer, gazing at it as she had sometimes felt him look at her--unblinking, curious, even urgent. She peeped through the keyhole to make sure no one was in the corridor before opening the door and letting him slip out. After a moment, she peered again and could see nothing, then Mr. Nobley’s face dropped into view. He was crouching outside her door, looking back. “Miss Erstwhile?” he whispered. “Yes, Mr. Nobley?” “Tomorrow evening, will you reserve for me the first two dances?” “Yes, Mr. Nobley.” She could hear how her voice was full of smile.

I would beg a second dance with you, Miss Charming,” said the colonel. “You do live up to your name!” “Oh, go on,” said Miss Charming. The way Miss Charming was blushing now--real, honest blushing, not faking--it seemed she’d made her choice, and her choice wasn’t Mr. Nobley. And so Jane was left neatly on the sidelines again. She didn’t mind. Seriously she didn’t. Okay, maybe just a little. After all, tonight was the most fun she’d had since she’d come. “Miss Erstwhile?” Mr. Nobley was beside her suddenly. “It would seem my gentlemanly duty to ask you to dance.” She glanced at his hand. “You’re still holding your book, Mr. Nobley.” Het set it on a table, put one arm behind his back, and held the other out to her. She sighed. “I’m sorry I pestered you back there, but I’d rather not dance for duty.” His hand extended toward her. “But it would be my honor.” She rolled her eyes but took his hand. The first time he touched her waist, she started. There was nothing passive in his touch, nothing wasted. She was aware of his hands the way she was often conscious of his gaze seeking her out. It was, to say the least, surprising. With only three couples, they kept in fairly constant motion. As a general rule, conversation is more intimate in a crowd, but among only six people, every word, and silence, became public. Colonel Andrews: “What a lovely gown, Miss Charming! You wear it well, or should I say, it wears you?” Miss Charming: “Oh, you rascal!” Miss Erstwhile: “Do you know the name of this tune, Mr. Nobley?” Mr. Nobley: “I do not. It is a country tune.” Captain East: … Miss Heartwright: … Colonel Andrews: “I beg your pardon, Miss Charming. I seem to have stuck my foot under yours yet again.” Miss Charming: “Spit spot!” Miss Erstwhile: “It is such a relief, Mr. Nobley, to already know that you find this exercise vulgar and your partner unworthy. It saves us the idle chitchat.” Mr. Nobley: “And yet you chat away.” Aunt Saffronia: “Lovely dance! Shall I play another?” Miss Erstwhile: “What say you, Mr. Nobley? Ready to be done with me?” “I think…” He bowed. “I think I will retire early. I bid you a good evening.” “And so ends the fun,” Colonel Andrews said. “Wait, I don’t feel right…all that dancing…” Miss Charming put a hand to her forehead and fainted dead into his arms. He was forced to carry her to her chamber. Clever girl, thought Jane, saluting her with two fingers. Touché, Miss Charming.

Miss Erstwhile: “It is such a relief, Mr. Nobley, to already know that you find this exercise vulgar and your partner unworthy. It saves us the idle chitchat.” Mr. Nobley: “And yet you chat away.” Aunt Saffronia: “Lovely dance! Shall I play another?” Miss Erstwhile: “What say you, Mr. Nobley? Ready to be done with me?” “I think…” He bowed. “I think I will retire early. I bid you a good evening.” “And so ends the fun,” Colonel Andrews said.

In my experience, if you are a competent and informed early retiree who enjoys helping others, you will never want for ways to produce income, if necessary. The

The Way Forward If we’re to live frugally, if we’re to learn how to be more content with less, it seems to me that we have to first tackle these innermost fears and anxieties that compel us to indulge in reckless spending. One of the very first decisions we must each take in our journey to financial independence is to look at ourselves and say, ‘I’m okay.’ Saying it is not hard, but meaning it is. First of all, we must reject the financial script that the world insists on pushing on us. There is nothing noble or normal about working for forty years of your healthy life so that you can live independently in your final twenty. We must all believe that it is possible for us to retire early and enjoy more of life. Financial Independence, if you achieve it, will allow you to do so. Second, redefine success for yourself. Money and fame is the society’s definition of the word. What’s yours? A more loving relationship with your spouse? Bringing up your kids to be independent? Conquering your anger? Learning to dance? We all have passions that we have put on the back burner because of our careers, which we tell ourselves we will pursue ‘when we have time’. Write them down, and pursue them. Make time for them, the same way you make time for your work. Let’s face it; otherwise they just don’t get done. Third, accept that the world is inherently unequal and unfair. Your life is your own, and the only person you can – and should – compete with is yourself. Once we accept this, I think, we will find that envy touches us a lot less. We will welcome failure with good grace and success with humility. Most important of all, we will not run through life as though we’re in a race, and we will not feel the need, perhaps, to buy things in order to show people how successful we are.

Step 1: Secure your basic needs: food, clothing and shelter. Step 2: Create a $1,000 emergency fund. Step 3: Pay off all debts as fast as possible, other than your home. Step 4: Increase your emergency fund until it reaches 6 to 10 months of your basic needs. Step 5: Begin saving 15 percent of your income for retirement. Step 6: If so desired, save for your child's college education. Step 7: Pay off your mortgage early. Step 8: Express your values with your money. Tactics That Bring Your Strategies to Life Live by a zero-balance budget, created at

Apart from any reduction for taking a widow(er) benefits early, your widow(er) benefit will equal at least what your spouse was collecting as a retirement benefit.

Semco adds yet another dimension. You receive a voucher for work after your retirement. So if you took off a hundred Wednesday afternoons, you are now entitled to redeem the vouchers after your retirement by showing up with them and saying, “I’d now like to redeem my vouchers to work one Wednesday a week for two years and receive proportional pay.” You’ve effectively exchanged early retirement for later work.

It All Starts at Home The quality of the time that their parents devote to them indicates to children the degree to which they are valued by their parents…. When children know that they are valued, and when they truly feel valued in the deepest parts of themselves, then they feel valuable. —M. SCOTT PECK     It was a source of much aggravation to some fish to see a number of lobsters swimming backward instead of forward. So they called a meeting, and it was decided to start a class for the lobsters’ instruction. This was done, and a number of young lobsters came. (The fish had reasoned that if they started with the young lobsters, as they grew up, they would learn to swim properly.) At first they did very well, but afterward, when they returned home and saw their fathers and mothers swimming in the old way, they soon forgot their lessons. So it is with many children who are well-taught at school but drift backward because of a bad home influence. Psalm 127:1-128:4 gives us some principles for building a family in which children are confident that their parents love them. First, the psalmist addresses the foundation and protection of the home: “Unless the LORD builds the house, its builders labor in vain. Unless the LORD watches over the city, the watchmen stand guard in vain” (127:1). The protective wall surrounding a city was the very first thing to be constructed when a new city was built. The people of the Old Testament knew they needed protection from their enemies, but they were also smart enough to know that walls could be climbed over, knocked down, or broken apart. They realized that their ultimate security was the Lord standing guard over the city. Are you looking for God to help you build your home? Are you trusting the Lord to be the guard over your family? Many forces in today’s society threaten the family. In Southern California we see parents who are burning the candle at both ends to provide all the material things they think will make their families happy. We rise early and retire late, but Psalm 127:2 tells us that these efforts are futile. We are to do our best to provide for and protect our families, but we must trust first and foremost in God to take care of them. When we tend our gardens, we’re rewarded by corn, tomatoes, cucumbers, and beans. Just as the harvest of vegetables is our reward, a God-fearing child is a parent’s reward. After parents tend to their children’s instruction in the ways of God’s wisdom and His Word, they do see the work God is

Have you thought about retiring early?” “I’ve thought about it. I would lose a fair amount of my pension if I did. Besides, what would I do with myself?” “You could work for me.” “Work ... as a ranch hand?” She laughed, genuinely amused by the image of herself in a cowboy hat cutting cattle that popped into her head. “I can’t even walk in the snow without help.” He glared at her. “You’re a fantastic rider.” She narrowed her eyes at him. “Are you truly offering me a job?” He stopped shoveling, rested on the hay fork, gave her a lopsided grin. “I would if it would keep you around.” Something about that felt more romantic to her than a dozen red roses. “Jack West, you are a charming man.” “Me?” He shook his head, got back to shoveling. “I think you need to look that word up in the dictionary, angel.

When looking to build something new out of something old, construction begins with deconstruction.

conspicuous consumption is not a natural state for all of us.

I don’t know much about movies. Haven’t seen too many. And I don’t know anything about movie stars.” “Retired,” she said. “I’m sanding, varnishing, hauling trash and training my bird dog. I’m going to pick up another one pretty soon now—I picked the bitch and sire a while ago and she whelped, so as soon as they’ll let him go… And I don’t cook much, don’t bake at all, but as it happens I have sugar for my coffee. In case you want to borrow a cup for that cake you’re baking me.” “My thirty-year-old daughter has a man in her life—a good man—and they’re at the house every weekend,” he found himself explaining. “I have reasons to stay out of the house a lot. How much sugar do you keep on hand?” She grinned at him. “Plenty.” “I might need some as early as tomorrow evening,” he said. “That good man my daughter has is here for the weekend.” “Is that so?” Then Muriel turned her mount, facing the other way and said, “Luce!” She gave two short whistles. The Lab bolted back where she’d come from. Muriel looked over her shoulder and said, “Bring a decent bottle of red wine then,” she said. She put her horse into an easy canter and followed her dog. Walt sat there for a long time, till she was out of sight. “Damn,” he said aloud. *

Spending a few more years in the labor force greatly increases monthly Social Security benefits. Under the program’s current structure, participants can start collecting benefits at any age between 62 and 70.2 But, to maintain fairness, benefits claimed before 70 are actuarially reduced so lifetime benefits are made roughly equal for both early and late claimers. These adjustments are very significant. Monthly benefits for those who start claiming Social Security benefits at 70 are a full 76 percent higher than for those who start taking benefits at age 62 (see table 4.1). (If working longer also raises the average level of our 35 years of earnings used in the Social Security benefit calculation—which it probably will—the increase could be even greater.)

Do you want to spend most of your life paying off the interest of a 30-year mortgage and working so you can fill increasingly bigger houses with increasingly more stuff while being stuck in your daily commute in increasingly nicer cars?

What are your most important life goals? •​What would you do if you only had six months to live? •​How do you want to spend the next five years?

Within a year of retirement, Dad showed the early signs of dementia. By 2017, his symptoms were declared mid-stage by his family physician. It's a sad truth, but ultimately, we don't choose the course of our lives.

Changemongers thus have the following four variables to play with: Increase your dissatisfaction with present situation. Strengthen your vision of future situation. Build a plan to get from the present to the future. Lower the perceived cost of the plan.