Retiring at 40

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While the market is still down deep(yup don’t lose hope it will go up anytime now) lets talk about what you and I wanted to do in life.

Back then I have told myself that I will retire at 40. By that, to clarify, I mean to retire from being an employee and be the boss of my own. Kinda big job to accomplish but as they say unless you have a specific goal you want to achieve you will be always reckless and find yourself from where you have always been, that is the beginning.

So make a bold statement. Tell the world what you wanted in the next few years(and for me its about 10 more years to go). Tell yourself, yup of all you have to make yourself aware of what you have been asking or else after starting such journey you might give up).

I have started this blog primarily to document my journey to financial freedom. Many people think “FINANCIAL FREEDOM” is when one has a lot of money. That means you have money enough so that you can just sit down and relax in the comfort of one of your 200 40 hectare vacation houses in the world. Probably this is how you picture yourself being financially free but even though you are filthy rich(as most of us term it) Financial Freedom actually is not measured in the quantity of money you have. Rather one is said to be financially free once one has achieve mastery of how money works for oneself and not the other way around. Probably you may have all those vacation houses I just mentioned but you are still unhappy in spite of what you already have then I guess you are not financially free. Your accumulated wealth has just become an escape or a facade of your unhappiness.

A lot of people also say that to be selfless is the way to happiness. Yeah you did it. You join a charity group once in a while you do give donations and join in activities which are good. But in the middle of it you are still unhappy. Probably you cant put such activity to your schedule any more or maybe financially you are incapable yourself. Instead of feeling the happiness and self fulfilment it seems that your joining a group is choking you. And that is an unhappy situation.

So how should we be able to achieve our goals?


2 Corinthians 9:7
Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver. 

We have to strike a balance. As the verse from the Bible says, we must be decided, not reluctant, and not under compulsion. When we make decisions and set our goals we must give our 100% and not just a partial of it. When we give we must not have any hesitation. So if you are hesitant please don’t give. Let that opportunity pass. Maybe you are not ready because at the back of your mind there are needs of your own or your family that you have to care of. 

So as early as possible decide what you really want(for me that is retiring at 40). Set a date for that and as you do your day to day living ideas or opportunities will open up for you to take action. Yes you may grab that opportunity but again if such opportunity is paired with hesitation or reluctance let go. It simple means you are not ready. 

If you are still undecided why don’t you take a walk in your village or a nearby park where it is quite. Just walk. They say walking clears the mind. 


Will you join me in my walk? Yes in awhile I will be walking in the lovely sunset here in Tumon, Guam(I hope the dark clouds will be fully blown away) the stock market is probably in its bottom and I am thinking which stocks to buy next week.

About the blogger

Louis Delos Angeles is a Certified Public Accountant, blogger behind Investing in Philippines, and author of Investing in Stocks: Preparing for the future small amount at a time. Check him out in Google+ Learn more about Louis and his financial freedom advocacy here.

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6 comments for “Retiring at 40

  1. September 12, 2011 at 9:50 am

    i love you daddy louis..
    yeap ill walk with you on the beach..
    grow old with you until we can’t remember each other’s name.. hahaha
    retire with you at 40 and enjoy life’s pleasures, joys and tears together..
    we will look at the moon with love..
    share the sun with joy..
    smile with the kids and play..
    i love you so much louis..
    ill retire with you forever ^^
    mwah! ♥♥♥

  2. June 24, 2014 at 10:38 am

    paano naging related ito sa Roth IRA? may Roth IRA ba dito sa pinas?

    • June 24, 2014 at 10:44 pm

      I also don’t know 🙂 to date wala pa kurapikats. IRA is for Individual Retirement Account. There is this PERA which till now I think is not yet implemented or there is no IRR yet and also Pinoys don’t really get the idea. If the USA have IRA and 401K, Australia has Superannuation, the Philippines has nothing yet to date 🙂

  3. Ric Ric Royeca
    February 25, 2018 at 5:49 pm

    So saan ba dapat mag invest? Mutual fund or stocks?

    • March 13, 2018 at 5:17 pm

      Hi Ric Ric,

      Depende po sa reason bakt ka nag-invest. Magbabago yan kung ano ang timeframe mo. If you are still at your early age and still capable to generate more funds to top up ung investment mo mas okay na long term and buy good stocks now kung kailan mura pa sila. But bag paretire ka na piling pili na talaga ung pwede mong paginvetshan kais you will eventually need that investment nto live your dream life so dapat ung investment vehicle mo si taht na shorter holding na sure return.

      Hhope this helps

  4. Princesslyn
    November 27, 2018 at 7:06 pm

    How to invest if im still a college student?

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