By Ernie J. Zelinski
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(Facts, Quotes, and Sayings about Can I Retire, Can I Retire Early, Can I Retire Early with Little Money, and Where Can I Retire)

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 Can I Retire?

"Can I retire?" is a question people often ask themselves. For sure, "Can I retire?" is the million-dollar question at The Retirement Quotes Cafe. A variation of this question is "Can I retire early?" Another is "Can I Retire Early with Little Money?" Still another: "When can I retire?"

This I can tell you: Your best retirement plan for retiring happy and prosperous is don't be a burden on others.

The important thing is to make as much money as possible so that you can save as much as possible and retire at a retirement age that suits you. In case you are not able to make an exorbitant income, the key is still to save as much as possible regardless of how much money you make. Then you can stop working much earlier than your friends, even if it is a quarter past ten in the morning of the Monday that you realize you have enough money for retirement.

How much money do you need for retirement? According to Mike Grenby, financial advisor and author of many money books, not as much as everyone thinks. "It's simple, says Grenby, "don't retire until all your major debts are paid off, like your mortgage and credit cards. And buy a new car a few years before you retire, with a warranty that continues a few years after you retire."

Grenby adds, "Decide, too, if you are going to live any differently. If you travel now, you'll probably want to keep travelling. If you don't, you won't. People don't really change their habits after they retire. Make sure your retirement income — from investments and pensions or whatever — is about half of what you earned the year before you retire, and you should be just fine."

For all intents and purposes, it comes down to investing and spending your money wisely in retirement.

Be clear that if you are successful at retiring early that retirement is not a time to spend all your time sleeping and watching TV; nor is it a time to spend all your money at the casino or at the race track. Retirement is a time to make the inner journey as well as the outer journey of your life. You want to awaken to the awe of the world around you and at the same time experience the joy that comes from getting to know yourself better, allowing peace and serenity to prevail.

Here are some "Can I Retire" quotations that may help you find the answer to "When can I retire comfortably"?

"Can I Retire" Quotes

Today, every prosperous retired person who does not work in some retirement job has a grand scheme that does work.
— Dave Erhard

You are the author of your own life, and you — and only you — can create the financial conditions for the ideal early retirement.
— Anon financial advisor

If I would have known that retirement was going to be this great, I would have never have got myself a job after I graduated from school!
— Unknown wise person

Money will be your friend — like all friends — only if you treat it with respect. Treat it with disrespect and you will always have financial difficulties. That is because people who don't respect money don't have any.
— from The Lazy Person's Guide to Success

Elevating your wants to your need list is another way to trick yourself into being broke in retirement.
— from Zen I Got Rich by Ernie Zelinski

A happy retirement doesn't require oodles of money, nor should it mean fighting the cat for food.
— Shelley Fralic, Vancouver Sun

Be happy to retire — because you are a long time dead!
— from How to Retire Happy, Wild, and Free by Ernie Zelinski

The best retirement advice I can give is to move abroad. My husband and I opted for early retirement and cut our monthly expenses in half. We bought a small, cheap beach house on a tropical island in Nicaragua. We live comfortably on less than $400 a month. We have city water, electricity, satellite TV, and internet. We grow a huge year round tropical garden. Health care is excellent and living on a small island means that the crime rate is very low and we'll never have to shovel snow again! If you would like to take a peek at our lives, do a search for Rewired and Retired in Nicaragua. Life is great!
— Debbie commenting on article about Retirement

I semi-retired when I was a kid and became very good at it. That's why I now get paid the big bucks for getting up late in the morning and then experiencing true freedom for the rest of the day.
— Ernie Zelinski

My retirement plan was in place but Bernie Maidoff with my money.
— David Letterman

I will do today what others won't, so I will have tomorrow what other's don't!
— John Addison

All I need is room enough to lay a hat and a few friends.
— Dorothy Parker

Retirement Age? For Many, It'll Be 80
— headline on Smart Money Website

No one should rely on their home equity as a source of money for retirement. Home equity should be considered emergency money. I paid my home off 8 years prior to retirement and banked the mortgage payments for 8 years. Retirement plans must include worst case scenarios, a set amount you will need to retire. You should start living as though you retired a couple of years before you retire, to ensure that you can meet your monthly expenses. No one said retirement is going to be easy and no one should take for granted that it is going to be.
— "Popog", Alias for a person posting a comment on a USA TODAY article.

Can I retire? The answer is obviously "no" if I am asking myself this question.
— Dave Erhard


Most people sell their souls, and live with a good conscience on the proceeds.
— Logan Pearsall Smith

Don't wait for retirement to be happy and really start living. Invariably, people who try this find out that they have waited much too long.
— from the best-selling book How to Retire Happy, Wild, and Free

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Retirement can be the greatest time of your life if you possess these two assets — much to live on and much to live for.
— Unknown wise person

Prosperity Comes When You Do the Right Things with Your Life.
— from Career Success Without a Real Job


Before deciding to take early retirement from your job, stay home a week and watch daytime television.
— Unknown wise person

The harder you work, the harder it will be for you to give up your work addiction.
— Dave Erhard

If you don't believe that early retirement on a modest amount of money can be done, at least get out of the way of the person who is doing it.
— Unknown wise person

Retirement: When you have given so much of yourself to your employer that when you leave you have nothing of yourself left to enjoy being retired.
— Unknown burnt-out retired person

When can I retire? Never! There is no retirement for writers mainly because there is so much satisfaction and enjoyment in what we do and for a lot of us there is not all that much income to save for retirement.
— Unknown wise author

Put money in it's place. Money can buy you cars, houses, trinkets, fleeting sex, shallow companionship, cheap attention, and unfulfilled status. It can't buy you peace, love, or happiness, however.
— from Don't Hurry, Be Happy

If we wait until retirement to enjoy ourselves, there may not be enough of ourselves to enjoy it.
— Mike Hammar

Don't simply retire from something; have something to retire to.
Harry Emerson Fosdick 


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If you have debt and you are going into retirement, I don't think you are ready for retirement.
— Gary Gilgen

Preparation for old age should begin not later than one's teens. A life which is empty of purpose until 65 will not suddenly become filled on retirement.
— Arthur E. Morgan

Being retired is when the living is supposed to be easy but the payments are difficult.
— Unknown wise person

All I need is room enough to lay a hat and a few friends.
— Dorothy Parker

Most people sell their souls, and live with a good conscience on the
— Logan Pearsall Smith

Can I retire? Not unless someone tells me that I have only five days to live.
— Anon

When can I retire? When I am too old to work and much too young to die.
— Author Unknown



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by Ernie J. Zelinski — All Rights Reserved
Author of The World's Best Retirement Book

 I will do today
what others won't,
so I will have
tomorrow what
others don't.
— John Addison
No organization — government or
otherwise — can take great care of you in retirement.     Organizations aren't capable of this — only  you are!
— from Life's Secret Handbook

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Surveys of seniors overwhelmingly      suggest that higher incomes don't drive satisfaction in   retirement. That said, there is a minimum
of income required to enjoy retirement.
— Dan Richards
I'm regularly asked     what my [retirement]  plan is, and I    deliberately don't have much of a plan. I've had lots of plans in my life and it might be nice to have a period      that is less planned.
— Malcolm Hamilton, Expert on Pensions 
& Retirement Planning

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