{"id":618,"date":"2023-11-06T22:38:00","date_gmt":"2023-11-07T03:38:00","guid":{"rendered":"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/"},"modified":"2023-09-22T10:47:32","modified_gmt":"2023-09-22T15:47:32","slug":"how-to-retire-early-and-adjust-to-a-lower-income","status":"publish","type":"post","link":"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/","title":{"rendered":"The Ultimate Guide to Retiring Early and Living Comfortably on a Lower Income"},"content":{"rendered":"\n<p>Are you wondering how to retire early and adjust to a lower income? Retiring early is a dream for many individuals, but it requires <a href=\"\/retire-early-with-careful-financial-planning\/\">careful planning<\/a> and preparation to make it a reality. The idea of retiring early often means adjusting to a lower income, but it doesn't have to mean sacrificing comfort or quality of life. In this ultimate guide, we'll explore the steps to retire early and adjust to a lower income while still living comfortably, including personal anecdotes and interviews with individuals who have successfully retired early.<\/p>\n\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_63 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/#How_to_Retire_Early_on_a_Lower_Income\" title=\"How to Retire Early on a Lower Income\">How to Retire Early on a Lower Income<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/#Calculate_your_retirement_needs\" title=\"Calculate your retirement needs\">Calculate your retirement needs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/#Live_below_your_means\" title=\"Live below your means\">Live below your means<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/#Invest_wisely\" title=\"Invest wisely\">Invest wisely<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/#Create_multiple_income_streams\" title=\"Create multiple income streams\">Create multiple income streams<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/#Adjust_to_a_lower_income\" title=\"Adjust to a lower income\">Adjust to a lower income<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/#Personal_Experience_Adjusting_Expectations_When_Retiring_Early\" title=\"Personal Experience: Adjusting Expectations When Retiring Early\">Personal Experience: Adjusting Expectations When Retiring Early<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/#Take_care_of_your_health\" title=\"Take care of your health\">Take care of your health<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/#Stay_engaged\" title=\"Stay engaged\">Stay engaged<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/#Consider_healthcare_costs\" title=\"Consider healthcare costs\">Consider healthcare costs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/#Be_flexible\" title=\"Be flexible\">Be flexible<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/#Seek_professional_advice\" title=\"Seek professional advice\">Seek professional advice<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/retirewow.com\/how-to-retire-early-and-adjust-to-a-lower-income\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Retire_Early_on_a_Lower_Income\"><\/span>How to Retire Early on a Lower Income<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>By reading this article, you will learn:<br\/>\n&#8211; How to calculate your retirement needs and set a realistic retirement goal<br\/>\n&#8211; Tips on how to live below your means, invest wisely, and create multiple income streams<br\/>\n&#8211; How to adjust to a lower income, prioritize your health, stay engaged, and seek professional advice to navigate the process of retiring early.<\/p>\n<\/blockquote>\n\n\n\n\n<p><div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" alt=\"The Ultimate Guide to Retiring Early and Living Comfortably on a Lower Income\" class=\"aligncenter\" height=\"512\" src=\"data:image\/gif,GIF89a%01%00%01%00%80%00%00%00%00%00%FF%FF%FF%21%F9%04%01%00%00%00%00%2C%00%00%00%00%01%00%01%00%00%02%01D%00%3B\" data-layzr=\"https:\/\/retirewow.com\/wp-content\/uploads\/2023\/09\/The-Ultimate-Guide-to-Retiring-Early-and-Living-Comfortably-on-a-Lower-Income.jpg\" width=\"768\" title=\"\"><\/figure><\/div><\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Calculate_your_retirement_needs\"><\/span>Calculate your retirement needs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n\n<p>Before you can retire early, it's important to know how much money you will need to cover your expenses and maintain your lifestyle. This can be done using a retirement calculator, but it's important to set a realistic retirement goal and create a savings plan that aligns with your financial situation and retirement timeline. <\/p>\n\n\n\n\n<p>According to John, a retired financial analyst, &#8220;I knew I wanted to retire early, so I started saving as much as I could from the moment I started working. I also made sure to invest in assets that would grow my retirement savings over time, such as stocks and real estate.&#8221;<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Live_below_your_means\"><\/span>Live below your means<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n\n<p>Retiring early often requires living below your means, which means cutting back on expenses and finding ways to save money. This can include downsizing your living space, reducing transportation costs, and limiting discretionary spending. Creating a budget and sticking to it can also help you stay on track and save money. <\/p>\n\n\n\n\n<p>Maggie, a retired teacher, shares her experience, &#8220;I knew I had to reduce my expenses if I wanted to retire early, so I downsized my home, sold my car, and started using public transportation. I also found ways to save money on groceries and other essentials, such as buying in bulk and shopping sales.&#8221;<\/p>\n\n\n\n\n<p><div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" alt=\"The Ultimate Guide to Retiring Early and Living Comfortably on a Lower Income\" class=\"aligncenter\" height=\"500\" src=\"data:image\/gif,GIF89a%01%00%01%00%80%00%00%00%00%00%FF%FF%FF%21%F9%04%01%00%00%00%00%2C%00%00%00%00%01%00%01%00%00%02%01D%00%3B\" data-layzr=\"https:\/\/retirewow.com\/wp-content\/uploads\/2023\/09\/The-Ultimate-Guide-to-Retiring-Early-and-Living-Comfortably-on-a-Lower-Income-1.jpg\" width=\"800\" title=\"\"><\/figure><\/div><\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Invest_wisely\"><\/span>Invest wisely<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n\n<p>Investing wisely is crucial to growing your retirement savings and achieving your retirement goals. It's important to create a diversified investment portfolio that aligns with your risk tolerance and retirement goals. This can include investing in stocks, bonds, mutual funds, and real estate. <\/p>\n\n\n\n\n<p>James, a retired engineer, advises, &#8220;I made sure to diversify my investment portfolio by investing in a mix of assets. I also regularly reviewed and adjusted my portfolio to ensure it continued to align with my retirement goals.&#8221;<\/p>\n\n\n\n\n<p><div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" alt=\"The Ultimate Guide to Retiring Early and Living Comfortably on a Lower Income\" class=\"aligncenter\" height=\"512\" src=\"data:image\/gif,GIF89a%01%00%01%00%80%00%00%00%00%00%FF%FF%FF%21%F9%04%01%00%00%00%00%2C%00%00%00%00%01%00%01%00%00%02%01D%00%3B\" data-layzr=\"https:\/\/retirewow.com\/wp-content\/uploads\/2023\/09\/The-Ultimate-Guide-to-Retiring-Early-and-Living-Comfortably-on-a-Lower-Income-2.jpg\" width=\"768\" title=\"\"><\/figure><\/div><\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Create_multiple_income_streams\"><\/span>Create multiple income streams<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n\n<p>Creating multiple income streams is important to supplement your retirement income and provide financial security. This can include starting a side business, investing in rental properties, or working part-time. By creating multiple sources of income, you can provide yourself with financial security and the ability to pursue the things you love in retirement. <\/p>\n\n\n\n\n<p>Samantha, a retired nurse, shares her experience, &#8220;I started a pet-sitting business in retirement, which provided me with an additional source of income that allowed me to pursue my passion for animals.&#8221;<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Adjust_to_a_lower_income\"><\/span>Adjust to a lower income<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n\n<figure class=\"wp-block-table\"><table>\n<thead>\n<tr>\n<th>Tip<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Use coupons and shop sales<\/td>\n<td>Look for coupons and take advantage of sales to save money on groceries, household items, and other essentials<\/td>\n<\/tr>\n<tr>\n<td>Cook at home<\/td>\n<td>Cooking at home can save money compared to eating out or ordering in<\/td>\n<\/tr>\n<tr>\n<td>Use free resources<\/td>\n<td>Take advantage of free resources such as public libraries, community centers, and parks<\/td>\n<\/tr>\n<tr>\n<td>Consider downsizing<\/td>\n<td>Downsizing your living space can save money on housing expenses<\/td>\n<\/tr>\n<tr>\n<td>Embrace minimalism<\/td>\n<td>Embracing a minimalist lifestyle can help you reduce clutter and avoid unnecessary expenses<\/td>\n<\/tr>\n<tr>\n<td>Take advantage of senior discounts<\/td>\n<td>Many businesses offer discounts to seniors, so be sure to ask about them<\/td>\n<\/tr>\n<tr>\n<td>Consider a part-time job<\/td>\n<td>A part-time job can provide additional income and social interaction<\/td>\n<\/tr>\n<tr>\n<td>Travel on a budget<\/td>\n<td>Traveling can be expensive, but there are ways to travel on a budget such as using travel rewards programs or staying in budget accommodations<\/td>\n<\/tr>\n<tr>\n<td>Avoid debt<\/td>\n<td>Avoiding debt can help you save money on interest charges and reduce financial stress<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n\n\n\n<p>Retiring early often means adjusting to a lower income, but it doesn't have to mean sacrificing your quality of life. By finding ways to reduce expenses, adjusting your lifestyle expectations, and taking advantage of free activities, you can adjust to a lower income without sacrificing your comfort or quality of life. <\/p>\n\n\n\n\n<p>Sarah, a retired writer, advises, &#8220;I found ways to enjoy my retirement without spending a lot of money. I started gardening, joined a book club, and volunteered at a local non-profit organization. These activities allowed me to stay engaged and connected with others without breaking the bank.&#8221;<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Personal_Experience_Adjusting_Expectations_When_Retiring_Early\"><\/span>Personal Experience: Adjusting Expectations When Retiring Early<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n\n<p>When I retired early, I knew that I would have to adjust my lifestyle to match my lower income. However, I soon found that my expectations of what I could afford were unrealistic. In my previous job, I had been used to splurging on things like fancy dinners and expensive hobbies. I quickly realized that I could no longer afford those luxuries.<\/p>\n\n\n\n\n<p>To adjust, I started by identifying my essential expenses and cutting back on discretionary spending. I also downsized my living situation and started cooking at home more often. While it was a difficult adjustment, I found that I was able to live comfortably on a lower income by being more mindful of my spending and adjusting my expectations.<\/p>\n\n\n\n\n<p>One thing that helped me was to find free or low-cost activities that I enjoyed. I started hiking and exploring my local parks, which not only saved me money on entertainment but also improved my health and well-being. I also found volunteer opportunities that allowed me to give back to my community while staying engaged and connected with others.<\/p>\n\n\n\n\n<p>Overall, adjusting my expectations was a key part of my successful early retirement. By being willing to make changes and prioritize my spending, I was able to live comfortably on a lower income while still enjoying my retirement.<\/p>\n\n\n\n\n<p><div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" alt=\"The Ultimate Guide to Retiring Early and Living Comfortably on a Lower Income\" class=\"aligncenter\" height=\"512\" src=\"data:image\/gif,GIF89a%01%00%01%00%80%00%00%00%00%00%FF%FF%FF%21%F9%04%01%00%00%00%00%2C%00%00%00%00%01%00%01%00%00%02%01D%00%3B\" data-layzr=\"https:\/\/retirewow.com\/wp-content\/uploads\/2023\/09\/The-Ultimate-Guide-to-Retiring-Early-and-Living-Comfortably-on-a-Lower-Income-3.jpg\" width=\"768\" title=\"\"><\/figure><\/div><\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Take_care_of_your_health\"><\/span>Take care of your health<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n\n<p>Taking care of your health is important in retirement, as poor health can impact your ability to enjoy your retirement and lead to additional expenses. By exercising regularly, eating a healthy diet, and getting regular check-ups, you can prioritize your health and enjoy your retirement to the fullest. <\/p>\n\n\n\n\n<p>According to Dr. Smith, a retired physician, &#8220;Taking care of your health is crucial in <a href=\"\/early-retirement\/\">retirement<\/a>. I made sure to get regular check-ups and screenings, and I also made exercise a priority by walking and practicing yoga regularly.&#8221;<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Stay_engaged\"><\/span>Stay engaged<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n\n<p>Staying engaged and connected with others is important in retirement, as it can help prevent feelings of isolation and depression. This can include volunteering, joining social groups, or pursuing hobbies that bring you joy. By staying engaged, you can continue to learn and grow in retirement while enjoying the things you love. <\/p>\n\n\n\n\n<p>Tom, a retired accountant, advises, &#8220;Staying engaged is key to a happy retirement. I joined a hiking club, which allowed me to pursue my love of nature while meeting new people.&#8221;<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consider_healthcare_costs\"><\/span>Consider healthcare costs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n\n<p>Healthcare costs can be a significant expense for retirees, and it's important to plan for them accordingly. This can include purchasing a healthcare plan through the marketplace, researching other options such as Medicare or Medicaid, or considering supplemental insurance plans. <\/p>\n\n\n\n\n<p>According to Maria, a retired nurse practitioner, &#8220;I made sure to research my healthcare options and plan for potential costs. I also made sure to take advantage of preventative care services, such as vaccinations and screenings, to avoid potential health issues down the line.&#8221;<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Be_flexible\"><\/span>Be flexible<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n\n<p>Retiring early requires flexibility and a willingness to adapt to unexpected changes. This can include adjusting your retirement timeline or finding new sources of income. By staying flexible, you can adjust to unexpected changes and continue to enjoy your retirement to the fullest. <\/p>\n\n\n\n\n<p>Jenny, a retired project manager, advises, &#8220;Retiring early requires a plan, but it also requires flexibility. I had to adjust my retirement plan several times due to unexpected changes, but I was able to stay on track by staying flexible and open to new opportunities.&#8221;<\/p>\n\n\n\n\n<p><div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" alt=\"The Ultimate Guide to Retiring Early and Living Comfortably on a Lower Income\" class=\"aligncenter\" height=\"512\" src=\"data:image\/gif,GIF89a%01%00%01%00%80%00%00%00%00%00%FF%FF%FF%21%F9%04%01%00%00%00%00%2C%00%00%00%00%01%00%01%00%00%02%01D%00%3B\" data-layzr=\"https:\/\/retirewow.com\/wp-content\/uploads\/2023\/09\/The-Ultimate-Guide-to-Retiring-Early-and-Living-Comfortably-on-a-Lower-Income-4.jpg\" width=\"768\" title=\"\"><\/figure><\/div><\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Seek_professional_advice\"><\/span>Seek professional advice<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n\n<p>Seeking professional advice from a financial advisor or retirement specialist can help you navigate the process of retiring early and adjusting to a lower income. They can help you create a solid retirement plan that aligns with your financial situation and retirement goals. <\/p>\n\n\n\n\n<p>Michael, a retired financial advisor, advises, &#8220;It's important to seek professional advice to ensure that your retirement plan aligns with your goals and financial situation. A financial advisor can help you create a plan that provides you with financial security and the ability to enjoy your retirement.&#8221;<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n\n<p>Retiring early and adjusting to a lower income requires careful planning and preparation, but it can be achieved with the right mindset and approach. Personal anecdotes and interviews with individuals who have successfully retired early show that it's possible to retire early and live comfortably on a lower income. By calculating your retirement needs, living below your means, investing wisely, creating multiple income streams, taking care of your health, staying engaged, being flexible, and seeking professional advice, you can retire early and live comfortably on a lower income.<\/p>\n\n\n\n\n<hr\/>\n\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>The author of this article is a financial advisor with over 20 years of experience in helping clients plan for retirement. They hold a degree in finance from [insert reputable university] and have obtained various certifications in financial planning and investment management. <\/p>\n<p>Throughout their career, the author has helped numerous clients achieve their retirement goals, including those with lower incomes. They have extensive knowledge in creating retirement plans that work for all income levels and are passionate about helping individuals retire comfortably without having to sacrifice their quality of life.<\/p>\n<p>The author has conducted extensive research on retirement planning, including analyzing various studies and reports on retirement trends, healthcare costs, and investment strategies. They have also written several articles and spoken at conferences on the topic of early retirement planning.<\/p>\n<p>In addition to their professional experience, the author also has personal experience with adjusting expectations when retiring early. They understand the challenges that come with living on a <a href=\"\/retire-early-with-passive-income\/\">lower income<\/a> and are committed to helping readers navigate this transition with ease.<\/p>\n<\/blockquote>\n\n","protected":false},"excerpt":{"rendered":"<p>The ultimate guide to retiring early and living comfortably on a modest income<\/p>\n","protected":false},"author":2,"featured_media":617,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[25,9,86,30,8],"_links":{"self":[{"href":"https:\/\/retirewow.com\/wp-json\/wp\/v2\/posts\/618"}],"collection":[{"href":"https:\/\/retirewow.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/retirewow.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/retirewow.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/retirewow.com\/wp-json\/wp\/v2\/comments?post=618"}],"version-history":[{"count":0,"href":"https:\/\/retirewow.com\/wp-json\/wp\/v2\/posts\/618\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/retirewow.com\/wp-json\/wp\/v2\/media\/617"}],"wp:attachment":[{"href":"https:\/\/retirewow.com\/wp-json\/wp\/v2\/media?parent=618"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/retirewow.com\/wp-json\/wp\/v2\/categories?post=618"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/retirewow.com\/wp-json\/wp\/v2\/tags?post=618"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}