How to Retire Early in the U.S. With Just $100 a Week

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Think retiring early is impossible on a small budget? Think again. With discipline and smart strategies, investing just $100 a week can unlock financial freedom.

🧮 The Math

  • $100/week = $400/month = $4,800/year.

  • Invested in S&P 500 with 8% annual return:
    ~$730,000 in 30 years.

✅ Key Strategies:

  1. Start Early: Time beats timing. Compound interest is magic.

  2. Use Tax-Advantaged Accounts:

    • Roth IRA

    • 401(k) with employer match

  3. Cut Expenses, Not Joy:

    • Ditch luxury subscriptions

    • Cook at home

    • Buy used

🔁 Automate & Reinvest:

  • Automate $100 weekly transfers.

  • Reinvest dividends.

  • Avoid withdrawing unless necessary.

💡 Bonus Tips:

  • Consider geo-arbitrage (retire in lower-cost countries).

  • Explore passive income: blogs, real estate, dividend stocks.

“Wealth is what you don’t see.” – Focus on savings, not spending.

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