I'm not a financial guru. I'm a 58-year-old who's just handed in his notice.
Follow along as I figure out what early retirement in the UK actually looks like from the inside.

About me

My name is Tony. I'm 58 years old - 59 later this year. I've recently resigned from a management role running a small team after a long career and a good salary. My wife and I are mortgage free. I have a reasonable pension behind me. I've done the research, run the scenarios, and made the decision to step back from full-time work before the traditional retirement age. 

I'm still figuring a lot of it out

That last sentence is the most important one on this page. Because if you're looking for someone who has all the answers, who can hand you a neat five-step plan and guarantee it works, well, I'm not that person. What I can offer is something different. Honest, carefully researched thinking from someone who is actually living this transition in real time. Not looking back on it from a position of perfect hindsight. Not presenting a highlight reel. Just what it's actually like, as it's happening. 

Read more on my early retirement journey

One Hundred and Thirty-Seven Gigs

I'm the sort of person who counts things. A while ago I counted my working life in days. More recently I sat down and reconstructed every gig I could remember going to, 137 of them since 1983. I didn't expect a spreadsheet of concerts to tell me the story of my life, but the shape of it does.

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The Holiday I Didn't Come Home From

Six weeks in, and it still feels like a holiday rather than a life. I've just come back from an actual one, a week in Cornwall, and for the first time it had nothing waiting on the other side of it. Which is roughly when I worked out what a holiday was really made of, and why this doesn't feel like one.

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The Model That Couldn't Tell Me the One Thing I Wanted to Know

For years, part of my job was working with specialist companies to build models that proved whether our marketing had actually worked. It's the multi-million-dollar question every Finance Director asks, and the one very few of them believe the answer to. I've realised my retirement plan is the same kind of model, with the same blind spots. And the thing it's worst at measuring is the thing that matters most.

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Two Weeks In - What Empty Time Defaults To

I deliberately built no structure into these first weeks. I wanted to decompress, not swap one diary for another. What I hadn't reckoned on was where empty time actually goes when you don't fill it, which turns out to be straight into my phone.

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Filer à l'anglais - Leaving Quietly

At work events, when the room filled up and the noise climbed, I would find the door. A quiet word to the few people who mattered, then gone before anyone formed a circle for a speech. The Irish goodbye. The French call the same move filer à l'anglais, slipping off English-style. I've done it for most of my working life, and my last day was no different.

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I've Completed the Game

A few years back I sank hundreds of hours into Fallout 4. I built it up, finished it, and bought more of it when it ran out. Now I load the old save now and again and there's nothing left to do. I've been thinking about that more than I expected to, with my last working day nearly here.

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Thirteen Thousand Days

On the long drive this week I worked out exactly how long I've spent employed. Thirty-six years, near enough thirteen thousand days on one payroll or another. I'd gone looking for proof that the time added up to something. The number couldn't give it to me.

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Who Am I Going to Be Annoyed At Now?

We were having dinner last night, me, my wife and my son, and the joke going round was how I'd cope in retirement without anyone asking me things. With my last working day nearly here, people have started queuing up to get the last of what's in my head before it walks out the door, and I've been making a great show of being put upon about it.

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What Will I Actually Do All Day? What happens next?

The list has been building for years: an overgrown garden, guttering that's needed replacing for a while, rooms I keep meaning to redecorate and never get to. I've given myself a few weeks after 26 June to decompress, and the obvious move is to spend them clearing that backlog. I think that would be a quiet mistake.

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