if you want to retire early, you need to read this

My simple investing plan that will enable me to retire me in my 40s

Five years ago, I was investing about $800 a month in my employer-sponsored retirement plan and around $100 in a Roth IRA. I thought I was doing everything right. I was living some version of my ancestors' wildest dreams and accomplishing all of my professional goals.

Yet I was missing something very important: a clear path to financial freedom before my 60s that was inspiring to me.

After learning that I could use my paycheck to buy my freedom before my 60s, everything changed.

This week, I'm sharing the final piece of my early retirement strategy: my actual investing plan. This is the engine behind everything—the system I use to invest every dollar I don't spend.

The Simple System That Changed Everything

After about a year of organizing my expenses, I was able to get my savings rate to 50% of my income. I'm now working on reaching $500k invested this year, but here's what's been surprising to me after being on this path for 5 years: the simpler I keep my strategy, the better my results become, and the more enjoyable this journey gets.

In this week's video, I break down:

• The exact tax-advantaged account sequence I follow

• Why 89.5% of professional fund managers can't beat simple index funds

• Which index funds I am currently investing in

• The compound growth principle Einstein called the "8th wonder of the world"

• How this approach works regardless of your income level

The Beautiful Thing About This Approach

Anyone can use this strategy regardless of income. I've never earned a six-figure salary, but by understanding compound interest and following these simple principles consistently, I've built a $450,000+ portfolio.

The reason it works comes down to what Einstein recognized: compound growth truly is remarkable. Like bamboo that grows slowly for years underground before shooting up 35 inches a day after it’s matured, your investments build strength quietly before exploding into wealth.

Last year, my investments grew by $66,000—nearly matching my entire salary from my part-time job. That wasn't luck. That was compound growth finally showing itself after years of patient, consistent investing.

Your Timeline to Freedom

This completes my three-part series on retiring early without a six-figure salary:

• Part 1: Understanding the math behind early retirement

• Part 2: Spending mindfully to free up money to invest

• Part 3: The simple investing system that builds wealth

The math is simple. The strategy is straightforward. The only thing standing between you and financial independence is the decision to start.

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Resource Corner

1. Turn your current paychecks into a clear roadmap to financial independence.

What if you could buy your freedom with your current paychecks? Use this proven 3-step workbook (downloaded by hundreds of women) to design your spending around your dreams—because freedom shouldn't come at the expense of an enjoyable life today.

2. Save money on your auto insurance

Are you overpaying on your auto insurance? I have a better idea. Get a better quote and use the savings to put towards your current financial goals instead.

3. Find a professional advice-only advisor*

Do you have a one time investing question you want to run through a certified professional that legally has your best interest in mind? Or do you need help developing a strategic plan? How Nectarine can help: retirement planning, portfolio review, estate planning, 401k rollovers, tax planning, Getting started with investing, Investing for kids, and more. Find an advisor today!

4. Create a plan for your income with an easy to use budget app

Pay off debt, buy a car, and save for your dream home years ahead of everyone else. All in the time it takes to drink a cup of coffee each week. Start your free trial today.

*I am not the creator or employee of this company, but I will be compensated by them if you use my affiliate link. As with all affiliate partnerships, I am incentivized to share these links which is a conflict of interest.

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Talk soon,

P.S.
I'm curious—what becomes possible in your life when you can stop working for money and start having money work for you? Let me know your thoughts in the YouTube video comments, I’d love to know!

Your dreams are on the other side of taking action, not passive consumption. That is why I include a weekly challenge in each newsletter. I want to see you reach your goals.

Weekly Challenge