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Website title: Early Retirement Earl – Quit the Rat Race, Retire Early
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By Earl Owens | Read Time: 12 Minutes
Look, I get it. You’re staring at your $120k corporate gig, feeling the blood pressure climb with every late-night email, and wondering if there’s a way to bail without torching your family’s health coverage or dipping into your Freedom Fund too fast. I was right there two years ago—49 years old, three kids und...
By Earl Owens | Read Time: 6 Minutes
The hardest part of leaving my corporate career wasn’t the math. The math was easy. The hardest part was the barbecue.
Two months after I quit my $110,000 corporate management job to work a low-stress, $30/hour part-time gig, I was at a neighborhood cookout. A guy I b...
Tool #2 in My 5-Tool FIRE Suite – FREE Download
Listen, I didn’t build a $350K liquid Freedom Fund by dreaming about it while eating $12 avocado toast.
I did it with a spreadsheet, a payc...
November 2025
Debt sucks. I know—I’ve lived it.
You’re here because you’re doing the work, trying to finally dig yourself out of the financial hole. Maybe you just paid off the car, or may...
By Earl Owens
When I was staring down the barrel of a 9-to-5 I hated, the 4% Rule felt like the gospel. It was the magic number—the secret handshake of the FIRE movement. You multiply your annual expenses by 25, hit...
