How to retire in your 30s?

While we all look forward to establishing a rewarding career, can you think about retiring in your 30s?

If you are someone who dreads working a 9 to 5 job for the next 30+ years, this article will be of your interest.

FIRE or ‘financial independence, retire early is a movement to enable people like you to live a life on your own terms, without having to depend on active income.

The idea of retiring in your 30s may seem like wishful thinking, but it is actually possible with careful planning and a bit of sacrifice. 

Meet Mr. Money Mustache from Canada, who cracked the retirement code at age 30.

Mr Money Mustache and Family

Mr. Money Mustache a married Canadian citizen, has managed to retire in his early thirties and is one of the most inspiring personal finance bloggers on the internet.

His blog posts are informative, entertaining, and educating on practical ideas of saving money and investment, leading to financial independence, and they can be found at

Listen to his interview on The Mad Fientist Financial Independence podcast, where he talks about his path to financial independence. I hope you enjoy and get inspired by the discussion with him as much as I did!

To know more about Mr. Money Mustache please visit Mr Money Moustache Website

Here are the steps you need to take to retire early.

Step 1: Make a Financial Plan

The first step to retiring early is to create a financial plan. This will help you determine how much money you need to save and invest in order to reach your early retirement goal.

It is important to consider the impact of inflation and longevity while calculating your retirement corpus. This number is very crucial, as you cannot afford to run out of money halfway through. 

Connect with me to help you build a Holistic Financial Plan, as unique as your fingerprint. With every number, every goal, every dream your very own. A plan that is geared to help you retire early.

Step 2: Increase Your Income

One of the best ways to save for retirement is to increase your income. This could mean getting a raise at your current job, starting a side hustle, or investing in passive income-yielding assets.. Any extra money you can bring in will help you reach your financial goals faster.

Step 3: Cut Your Expenses

Another important step to retiring early is to cut your expenses. This means living below your means and finding ways to save money on things like housing, transportation, and food. 

Step 4: Invest Wisely

Once you've increased your income and cut your expenses, you need to start investing your money wisely. This means investing in assets that have the potential to grow over time. There are a number of different investment options available in the UAE.  You can find ones that fit your risk tolerance and investment goals.

Step 5: Stay Disciplined

The final step to retiring early is to stay disciplined. This means sticking to your financial plan and not giving up on your goals. It can be difficult to save and invest for retirement when you're young, but it's important to stay focused on your long-term goals.


Retiring in your 30s is a challenging but achievable goal. If you're willing to make some sacrifices and stay disciplined, you can reach your financial goals and retire early.

Here are some additional tips for retiring in your 30s:

  • Live below your means. This is the single most important thing you can do to save for retirement.
  • Start saving early. The sooner you start saving, the more time your money has to grow.
  • Invest wisely. Choose investments that have the potential to grow over time.
  • Be disciplined. Stick to your financial plan and don't give up on your goals.

Retiring in your 30s is not easy, but it is possible. If you're willing to put in the work, you can achieve your financial goals and retire early.

As a financial advisor with more than 11 years of experience in helping people, plan, save, and invest for their retirement, I can also help with your early retirement goals.

Click here to schedule a free consultation

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