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	<title>
	Comments on: How to retire by 40.	</title>
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	<link>https://thehappyphilosopher.com/how-to-retire-by-40/</link>
	<description>A Guide to Freedom and Happiness</description>
	<lastBuildDate>Sun, 23 Jun 2019 15:14:24 +0000</lastBuildDate>
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		<title>
		By: 10 Things You Need to Know About Prenups - Wealthy Mom MD		</title>
		<link>https://thehappyphilosopher.com/how-to-retire-by-40/#comment-11398</link>

		<dc:creator><![CDATA[10 Things You Need to Know About Prenups - Wealthy Mom MD]]></dc:creator>
		<pubDate>Sun, 23 Jun 2019 15:14:24 +0000</pubDate>
		<guid isPermaLink="false">http://thehappyphilosopher.com/?p=187#comment-11398</guid>

					<description><![CDATA[[&#8230;] than other professionals, divorce does happen. And to borrow the words of The Happy Philosopher, divorce can become a weapon of mass destruction. Certainly, divorce can be devastating emotionally. It can ripple throughout your family and [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] than other professionals, divorce does happen. And to borrow the words of The Happy Philosopher, divorce can become a weapon of mass destruction. Certainly, divorce can be devastating emotionally. It can ripple throughout your family and [&#8230;]</p>
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		<title>
		By: TheHappyPhilosopher		</title>
		<link>https://thehappyphilosopher.com/how-to-retire-by-40/#comment-1062</link>

		<dc:creator><![CDATA[TheHappyPhilosopher]]></dc:creator>
		<pubDate>Thu, 22 Sep 2016 14:28:05 +0000</pubDate>
		<guid isPermaLink="false">http://thehappyphilosopher.com/?p=187#comment-1062</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://thehappyphilosopher.com/how-to-retire-by-40/#comment-1059&quot;&gt;Ten Factorial Rocks&lt;/a&gt;.

Thank you TFR! Glad to have you here, enjoy the madness ;)]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://thehappyphilosopher.com/how-to-retire-by-40/#comment-1059">Ten Factorial Rocks</a>.</p>
<p>Thank you TFR! Glad to have you here, enjoy the madness 😉</p>
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		<title>
		By: Ten Factorial Rocks		</title>
		<link>https://thehappyphilosopher.com/how-to-retire-by-40/#comment-1059</link>

		<dc:creator><![CDATA[Ten Factorial Rocks]]></dc:creator>
		<pubDate>Thu, 22 Sep 2016 13:00:19 +0000</pubDate>
		<guid isPermaLink="false">http://thehappyphilosopher.com/?p=187#comment-1059</guid>

					<description><![CDATA[Just came over from POF site.  Nice summary there!  You have a good blog.  I hope you find my articles worthwhile to summarize like this!  Best wishes in your 10! journey.  TFR]]></description>
			<content:encoded><![CDATA[<p>Just came over from POF site.  Nice summary there!  You have a good blog.  I hope you find my articles worthwhile to summarize like this!  Best wishes in your 10! journey.  TFR</p>
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		<title>
		By: A simple Path to Wealth: Book Review &#124; The Happy Philosopher		</title>
		<link>https://thehappyphilosopher.com/how-to-retire-by-40/#comment-587</link>

		<dc:creator><![CDATA[A simple Path to Wealth: Book Review &#124; The Happy Philosopher]]></dc:creator>
		<pubDate>Thu, 14 Jul 2016 15:50:16 +0000</pubDate>
		<guid isPermaLink="false">http://thehappyphilosopher.com/?p=187#comment-587</guid>

					<description><![CDATA[[&#8230;] There is a solid explanation of the 4% rule, dollar cost averaging and social security. Each of these is approached from a standpoint of simplicity and each could be a book on their own, but that is the point of this book &#8211; simplicity. The book is a template of a simple strategy that is time tested, and if followed should lead to a very predictable outcome – financial freedom. [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] There is a solid explanation of the 4% rule, dollar cost averaging and social security. Each of these is approached from a standpoint of simplicity and each could be a book on their own, but that is the point of this book &#8211; simplicity. The book is a template of a simple strategy that is time tested, and if followed should lead to a very predictable outcome – financial freedom. [&#8230;]</p>
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		<title>
		By: Your Most Valuable Financial Asset &#124; The Happy Philosopher		</title>
		<link>https://thehappyphilosopher.com/how-to-retire-by-40/#comment-520</link>

		<dc:creator><![CDATA[Your Most Valuable Financial Asset &#124; The Happy Philosopher]]></dc:creator>
		<pubDate>Sat, 09 Jul 2016 17:38:41 +0000</pubDate>
		<guid isPermaLink="false">http://thehappyphilosopher.com/?p=187#comment-520</guid>

					<description><![CDATA[[&#8230;] ability to work. Although I&#8217;m an advocate for early financial freedom and the ability to retire by 40, there are many who will be most happy working a long and satisfying career. Burning out from your [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] ability to work. Although I&#8217;m an advocate for early financial freedom and the ability to retire by 40, there are many who will be most happy working a long and satisfying career. Burning out from your [&#8230;]</p>
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		<title>
		By: TheHappyPhilosopher		</title>
		<link>https://thehappyphilosopher.com/how-to-retire-by-40/#comment-210</link>

		<dc:creator><![CDATA[TheHappyPhilosopher]]></dc:creator>
		<pubDate>Sun, 10 Apr 2016 19:09:34 +0000</pubDate>
		<guid isPermaLink="false">http://thehappyphilosopher.com/?p=187#comment-210</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://thehappyphilosopher.com/how-to-retire-by-40/#comment-190&quot;&gt;Justin @ Root of Good&lt;/a&gt;.

Exactly.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://thehappyphilosopher.com/how-to-retire-by-40/#comment-190">Justin @ Root of Good</a>.</p>
<p>Exactly.</p>
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		<title>
		By: TheHappyPhilosopher		</title>
		<link>https://thehappyphilosopher.com/how-to-retire-by-40/#comment-209</link>

		<dc:creator><![CDATA[TheHappyPhilosopher]]></dc:creator>
		<pubDate>Sun, 10 Apr 2016 19:08:45 +0000</pubDate>
		<guid isPermaLink="false">http://thehappyphilosopher.com/?p=187#comment-209</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://thehappyphilosopher.com/how-to-retire-by-40/#comment-208&quot;&gt;Investment Hunting&lt;/a&gt;.

As the saying goes, youth is wasted on the young. There are so many financial mistakes I made while young, fortunately they were all with relatively small dollar amounts attached to them. Starting early though can make up for a lot of other deficiencies. Compounding is truly magic stuff.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://thehappyphilosopher.com/how-to-retire-by-40/#comment-208">Investment Hunting</a>.</p>
<p>As the saying goes, youth is wasted on the young. There are so many financial mistakes I made while young, fortunately they were all with relatively small dollar amounts attached to them. Starting early though can make up for a lot of other deficiencies. Compounding is truly magic stuff.</p>
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		<title>
		By: Investment Hunting		</title>
		<link>https://thehappyphilosopher.com/how-to-retire-by-40/#comment-208</link>

		<dc:creator><![CDATA[Investment Hunting]]></dc:creator>
		<pubDate>Sun, 10 Apr 2016 16:20:25 +0000</pubDate>
		<guid isPermaLink="false">http://thehappyphilosopher.com/?p=187#comment-208</guid>

					<description><![CDATA[It is that easy. Start young, make wise investment choices, and just keep feeding the beast. I&#039;m doing the last two. I wish someone would have grabbed me 25 years ago and taught me step 1.]]></description>
			<content:encoded><![CDATA[<p>It is that easy. Start young, make wise investment choices, and just keep feeding the beast. I&#8217;m doing the last two. I wish someone would have grabbed me 25 years ago and taught me step 1.</p>
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		<title>
		By: TheHappyPhilosopher		</title>
		<link>https://thehappyphilosopher.com/how-to-retire-by-40/#comment-193</link>

		<dc:creator><![CDATA[TheHappyPhilosopher]]></dc:creator>
		<pubDate>Wed, 30 Mar 2016 22:15:03 +0000</pubDate>
		<guid isPermaLink="false">http://thehappyphilosopher.com/?p=187#comment-193</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://thehappyphilosopher.com/how-to-retire-by-40/#comment-188&quot;&gt;PhysicianOnFIRE&lt;/a&gt;.

Agreed. Becoming a physician is a very poor choice for retiring at 40 as the combination of student loan debt and getting a later start on earning is quite limiting. It is very specialty dependent. There are also some structural costs involved in being a physician that raise the floor on your spending. A much better scenario is to build a practice that you don&#039;t want to retire from.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://thehappyphilosopher.com/how-to-retire-by-40/#comment-188">PhysicianOnFIRE</a>.</p>
<p>Agreed. Becoming a physician is a very poor choice for retiring at 40 as the combination of student loan debt and getting a later start on earning is quite limiting. It is very specialty dependent. There are also some structural costs involved in being a physician that raise the floor on your spending. A much better scenario is to build a practice that you don&#8217;t want to retire from.</p>
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		<title>
		By: Justin @ Root of Good		</title>
		<link>https://thehappyphilosopher.com/how-to-retire-by-40/#comment-190</link>

		<dc:creator><![CDATA[Justin @ Root of Good]]></dc:creator>
		<pubDate>Wed, 30 Mar 2016 18:36:27 +0000</pubDate>
		<guid isPermaLink="false">http://thehappyphilosopher.com/?p=187#comment-190</guid>

					<description><![CDATA[Sounds good to me!  The main thing to know is that it&#039;s possible if you follow the steps and put your mind to it.]]></description>
			<content:encoded><![CDATA[<p>Sounds good to me!  The main thing to know is that it&#8217;s possible if you follow the steps and put your mind to it.</p>
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