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The name field is required. Please enter your name. The E-mail message field is required. Please enter the message. Please verify that you are not a robot. Would you also like to submit a review for this item? You already recently rated this item. Anyone worried about their financial future can use the principles in Early Retirement Extreme to make their future more secure. Early Retirement Extreme provides a robust strategy that makes it possible to stop working for money in just a short number of years.

It provides a paradigm shift in economic perspective from consuming to producing. Your value to society is not how much you earn or how much you buy. It is what you create and produce for yourself and for others.

It is what you leave, not what you take. Consumers are often locked into expensive options, but producers have the flexibility to create appropriate solutions at a quarter of the cost. The resulting savings the difference between income and expenses is one's monetary contribution to society.

When savings are put to work through investments, society will pay dividends which cover the remaining expenses resulting in financial independence. Perhaps there is personal fulfillment to be had in cleaning and maintaining a larger home? Or perhaps the fulfillment comes from paying someone else to do it? Now go and look again, but pay attention to the number of books on the bookshelves, the tools for the hobby projects, the work in progress spread out on the desk.

What empty lives these people must live. We've moved far away from work and the market so we can waste time driving there, and money on maintaining our multiple cars. In our spare time we waste time watching TV, waste our bodies eating junk food, then waste money treating the results of those habits.

It's possible to live with the same benefits as the rest of society for one quarter of what the average consumer spends. We live in a world where food can be heated in a microwave oven at the touch of a button, yet only experts understand how this works. This goes for most of the other technology we use.

All we know is that if we press this or that button, things magically happen. Instead, we believe in a mythical They who will find a solution, just like They have provided all this wonderful technology we surround ourselves with. How many of us are capable of that? His technology may be primitive, but his general knowledge of his world far surpasses ours.


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Too many forget that they live in their body first and their home second. To be at home in the world is first to be at home in the body. After all, where else are you going to live? Hence, taking care of the body should take priority over taking care of the rest of the world. Multiply this by practically every other activity that people now do alone and one realizes that the replacement of community requires a tremendous amount of resources.

Early Retirement Extreme: A Philosphical and Practical Guide to Financial Independence

In a world of abundance, delayed gratification is the optimal strategy. Genetically, there's a preference for the former, which means that a mature person with a measure of self-control has an advantage, being able to wait for bargains. It also means if you have patience and don't depend on speed, there are fewer costs to be paid for the additional power that speed otherwise requires. Ask me and I will give you a quote.

Not only does this constantly remind me of the value of my possessions, but it prevents me from developing an attachment to the thing in question. A more enlightened state would be to always be willing to give away everything I own. He can't stay still and wants to jump around--almost can't help himself. How many adults do that?

Many adults act as if moving is not particularly enjoyable. Given the choice, they'd rather not move around. To them, moving is uncomfortable, exhausting, and even painful. I could go on and on Feb 21, David Shimazaki rated it really liked it. But, an accounting friend of mine that saves aggressively and loves to talk about his dividends recommended this book and as a decent friend I gave it a read. The book is a lot of common sense: Save early and aggressively until it hurts and then save more, type of advice.

It's not meant as a how-to, but more important - the only thing that actually matters for sustained commitment and change - it is meant as an eye opener, or challenge to the norm, to get people like me that have never thought much about retirement to actually start to question and think about this critical subject.

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It is meant as a philosophy on frugality, strengthening self reliance you can cook, repair, mend clothes, garden, make things , doing things yourself rather than paying others to do every basic thing for you, and helping individuals find pleasure in non material objects and rather in personal things newest toy, branded but lower quality clothes, 4 bedroom houses for a couple without an interest in having kids vs pleasure hobbies, people, and education. I'm not a wildly consumer-centric person and i'm a saver by nature, but without a strong philosophy and larger mission and strategy i.

There are no secrets in this book, no magic formulas, or tips that you haven't heard of or couldn't easily find online, but it's all gathered here in a collective work as an interesting read, but more importantly, it is an important read. Just go to the library or borrow it though because buying it is against the spirit of this book: I've read this book years ago and thought it gave a great account of the ridiculous race of consumerism that the Western world has plunged into - and of the endless grayness of 9-to-5 days required to pay for it.

Fisker offers a vision of a radically different life - a life of self-sufficiency and conscientious simplicity, a life of freedom to pursue your true interests and passions, a life of purpose and meaning. Having just taken a 30 month sabbatical - paid for by some of the principles espou I've read this book years ago and thought it gave a great account of the ridiculous race of consumerism that the Western world has plunged into - and of the endless grayness of 9-to-5 days required to pay for it.

Having just taken a 30 month sabbatical - paid for by some of the principles espoused by the book - I know it all to be true without a shadow of a doubt. The book does not have much to teach to those already living a quiet, frugal life, but it can be a real eye-opener to the consumerist, especially to the consumerist struggling with the persistent feeling that he's really living a life of "quiet desperation" and that all the shiny gadgets and fancy clothes are but a veil he's carefully put over the emptiness of it all. Fisker is a career physicist and it shows throughout the book.

In that case, I'd recommend instead checking Fisker's blog for a gentler and a more practical introduction to his ideas.

Early Retirement information

Nov 05, Shane rated it it was amazing Shelves: This isn't your typical personal finance book. In fact, it turns most popular personal finance thought on its head. If you spend all your free time wondering why you spend all your youth working only to be able to do the things you want, that you can't physically do anymore, when you retire, this is an excellent book for you to pick up. Be warned, it is a thinking mans or womans book. It will make you think and it will make you question the things that we all do in our day to day lives. Pick it This isn't your typical personal finance book.

Sep 09, Jon rated it really liked it. This book is not about retirement or financial independence. It is about happiness. Anything to challenge conventional thinking is a welcome contribution. This book does just that. Be prepared to be confronted with your own futility of life and happiness. Aug 03, Dorotea rated it it was amazing Shelves: Do fewer useless things. Focus on developing skills rather than passive entertainment. Learn to fix things by yourself. Reduce waste and increase efficiency. And for fuck sake, stop being so obsessed with stuff and actually consider that things cost money, take up space, require maintenance, often act as a gateway to additional or more expensive things, and are hard to get rid of.

Therefore, a thing is never just its price value. Still, besides taking into consideration the aforementioned, a tentative formula that is proposed, based on the depreciation principle, for calculating the actual cost: All this means a reduce your needs and wants and b buy things that have an appropriate quality and a low lifetime cost. Reduce your expenses, you fucker and invest the difference. Go for assets and not liabilities make money work for you.

There is no single formula. Thus, you should invest where you understand. A quote worth pondering: Two books in one. The first is a philosophy much like Taleb. It's a way to see the world anew, maybe even more "accurately" and become more robust. The second is how to act within the new philosophy but mostly stops short of what. Nov 22, Mario rated it it was amazing Shelves: Philosophy, strategy, tactics, fitness, personal finance Mar 29, Floris Wolswijk rated it really liked it.

Align your goals, let them build on each other. Money should work for you instead of the other way around. There are better ways to live than the lifestyle. What is money to you? Is it something you always spend when you have it? Or is it something you save up for a rainy day? Instead of working for money, what if it could work for you! Of course that's not only what it's about, the book describes everything from frugal living to aligning your goals. It's the perfect book for the renaissance man or if you don't know what that is, it's also perfect for you!

In the first few chapters Fisker describes the 'lock-in', or the current way of how we look at finances. Most don't save for the future and an emergency fund is almost always small or non-existent read: Is there a way out of this cycle? Before we get to that, lets consider four types of man. The salary, working, business-, and renaissance man.

They are of course only prototypes, so imagine that you can also be anywhere in between these four: The cog in the machine. A person who is dependent on salary and can't stop working without going in deep debt. A person who work intermediately and needs to have an emergency fund. Independent of a job or income.

Early retirement extreme : a philosophical and practical guide to financial independence

Vast amounts of savings. The renaissance man thinks about goals as building blocks that should complement each other. And he or she breaks apart the expenses into needs, wants and savings. The renaissance lifestyle considers living frugal as one of the main philosophical pillars. It ponders whether we should own that brand new car no and if we can't borrow the drill from the neighbours instead of buying one yes. One of the key takeaways I found most interesting is that you should think about the lifetime spending you will have on things. Your TV subscription 'only' costs you 10 euros per month, but in 20 years that is easily euros or much more if you incorporate returns.

Throughout the book you will be introduced to many more frugal principles, relating to everything from health to transportation. There is a good reason for this, financial advice is always personal and differs greatly per situation, philosophy can be good for more than years. And if everything works out you will become financially independent in only a few years. When you have the time, please read this one! May 07, Patricia rated it it was ok. If you're tired of the same old "Click here for 25 ways to cut your spending" ideas, this book has some suggestions that are so extreme, you may not believe what you're reading.

Sell your house and live in a tent! Sell your car s and ride a bike! Switch to cold showers! Eat every other day! That being said, his applications do have some huge If you're tired of the same old "Click here for 25 ways to cut your spending" ideas, this book has some suggestions that are so extreme, you may not believe what you're reading.

That being said, his applications do have some huge perks - like not having a job. This author earned a Phd. He did this for 5 years. After 5 years, he retired, and now lives solely on the interest earned from his investments. In a sense, it's brilliant. He has all the free time in the world which, I assume, is spent growing his own food and cobbling his own shoes, etc. It was refreshing to hear some radical ideas, and I admire his determination to save, but I have to admit, the lifestyle isn't for me. It was an interesting insight into a minimalist's mind. It did make me hyper-aware of how much I'm consuming, so it's a good read for anyone who's bought anything, anything at all, in the past month.

Jan 10, Reid rated it liked it Shelves: As Fisker makes it clear in the intro, this book is unique. It's a mix of unconventional advice around lifestyle design, specific recommendations for reaching financial independence earlier, and very conceptual expounding on modern life and economics. My reaction was mixed too; while I especially enjoyed some of Fisker's more actionable advice and perspectives, the more conceptual stuff was mind-numbing at times.

Here's a sample quote: In addition, if the external couplings connect to different modules, rather than connecting to the same module, this lack of centralization protects the system from disruptions and cascading failures. He's frustratingly vague around other topics like investing strategy.

He dismisses index funds as a 'Ponzi scheme', but then provides little in the way of actionable advice or alternatives except warnings about the changing nature of markets and cautions to do your homework. All in all, there's enough value in Fisker's unique take on financial independence that I still think this was worth the read. Mar 26, Matt Faus rated it really liked it. It reads a lot like a math textbook I remember from undergrad, but the systematic breakdown what it means to be human is enlightening and brings comfort to those of use who are always looking to abstract existence into a set of variables with a range of possible values.

Considering that this is below the poverty line in the United States, it does require extreme adjustments to average connotations of what makes one comfortable. The premise is that complete economic freedom and the skills to support yourself on this amount of money is more fulfilling than paying others to do it for you.

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Oh, and the last chapter gives a very mathematical break-down of how income and spending are related. This author's tone can get fanatical at times, but like anything in life I think it is useful to understand extreme ends of the spectrum and adjusting to fit your middle-ground appropriately. Jan 02, Steve Bedford rated it it was ok Shelves: First off, I want to say the low rating is not due to a disagreement about the concept of early retirement via extreme savings and pared down lifestyle.

I am very intrigued by this concept, and thus wanted to read this book to get a better grasp on it.