u/Dry_Context_6205

Anyone did RE first and then achieved FI?

I understand the norm is to first achieve FI and then RE becomes a choice later on.

But has anyone done retirement early before achieving financial independence? What have your experiences and journey been like?

For example,

If you have a corpus that is enough to take care of your expenses for your next say 3-4 years when doing a 5-7% withdrawal, and you have a plan to grow the corpus at a higher rate so that you can keep withdrawing perpetually.

I know this is not a common situation or a thing most FIRE people do.

But I feel I am in a non-common situation wherein I have a corpus that can cover my next 6-7 years of expenses only. But I want to RE, because tired of working corporate, and want to focus on investing the corpus so that it grows at a higher rate.

Some info about me: I have been an active trader since 2013 and switched to active investing since 2019 and PF did 26% cagr so far. My main passion is markets and investing. Feels like my job is taking my focus away from it. Hence want to quit to focus on investing better. And the idea is that eventually PF will grow at a much faster rate than my expenses and will reduce my withdrawal rate over time.

Anyone who has been in a similar situation or has done this and succeeded/failed, appreciate your thoughts. Also please grill my plan and things I should watch out for.

Thanks.

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u/Dry_Context_6205 — 12 days ago