Is early retirement the ultimate freedom, or a financial mirage? We’ve all seen the highlight reels: 35-year-olds living it up on tropical beaches, posting #retiredlife on Instagram. But behind the filtered photos is a deeper question: Is early retirement everything it’s cracked up to be… or are there hidden costs that could derail your future? In this episode, we take a real-world look at the growing trend of early retirement, and what it actually takes to get there.

Host Mark Zagurski breaks down the dream and the danger of walking away from full-time work decades ahead of schedule. From the financial math to the emotional realities, you’ll get an honest look at whether early retirement is a path to freedom, or a trap dressed up like a goal.

Takeaways:

→ Early retirement is about freedom, but freedom takes planning.
→ Without a purpose, early retirees often struggle emotionally.
→ Health insurance and inflation are major hidden costs of retiring young.
→ You may need to save 25x your annual spending, or more, to make it work.
→ A clear plan for how you'll spend your time is as important as how you'll spend your money.

“Early retirement isn’t good or bad, it’s a lifestyle choice. Just make sure you’re retiring to something, not just from something.” – Mark Zagurski

Feeling curious, or even a little uncertain, about what your retirement plan should look like? Visit www.makeitpersonalpodcast.com to use our free Financial Fitness Calculator, download our eBooks, or schedule a no-obligation conversation with one of our trusted advisors. Subscribe, share, and take one small step toward your future today.

Make It Personal - It’s Your Money, Your Plan, Your Future.

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Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.