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Website title: Early Retirement Earl – Quit the Rat Race, Retire Early
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Look, if you’re reading this in early January 2026, you’re either celebrating or you’re feeling a massive pit in your stomach.
As of January 14, 2026, silver is screaming. Spot price is oscillating between $85 and $90 per ounce—up a staggering 210% from this time last year. Gold is comfortably over...
By Early Retirement Earl | [ ACCESSING PROJECT 2028 ARCHIVES… ] ENTRY: ISSUE ZERO (The Origin)
STATUS: 12 Months into “The Bridge”
TIMELINE: 719 Days to Rule of 55 Execution (Jan 1, 2028)
Disclaimer: Thi...
(From a Twice-Homeless Dad Who Hit $2 Million Before 50)
💥 Your Problem is Not Existential. It’s a Math Problem.Let me be crystal clear: I was you. At 20, I was sleeping on a friend’s couch—when I was lucky. At 30, I was still directionless and drunk most nights. Two children later, I’m financially inde...
Happy New Year!
There is something powerful about the turn of the calendar. It’s a natural reset—a moment to look ahead with clarity and stop dwelling on the mistakes of the past.
If you’ve been following my journey, you know that I didn’t have a “perfect” start. I spent decades in working long hours, survive...
By Earl Owens | Read Time: 10 Minutes
The high-income FIRE gurus tell you to track your spending and buy VTSAX. That’s Chapter 1.
We’re here for Chapter 7—the brutal truth about identity, marriage, and the sophisticated tax arbitrage that actually makes early retirement work. I’m answering the 10 most Google...
