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Since retiring at age 41 he has had his Navy pension and a 4% SWR while living in Hawaii, surfing everyday, and raising his daughter. His conclusion after 18 years of retirement is:

"The 4% SWR is working just fine. In 2020, at age 59.5, we have more money than we need and we’re withdrawing less than 3.5%. It’s sustainable for life.....The relentless math of financial independence...we still didn’t realize how our assets would appreciate with the 4% SWR, but we sure appreciated having more time in our lives."


Do you think his Navy pension and military health insurance were important factors in his early retirement success?
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