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The Rachel Cruze Show

6 Questions That Reveal If You Can Retire Early

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 5 September 2025

⏱️ 8 minutes

🧾️ Download transcript

Summary

📈 Use Ramsey’s free Investment Calculator  to track your progress.   Ever wonder how close you are to retirement? Or, if you know it’s far off, ever wonder what you need to do to get there? Find out with these six simple questions.   Next Steps:  🎥 Watch my video 9 Questions to Help You Choose the Right Financial Advisor. 💵 The simplest way to budget. Download the EveryDollar app for free!   📈 Are you on track with the Baby Steps? Get a free personalized plan.  💰 Get connected with a SmartVestor Pro in your area. Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.   Connect With Our Sponsors:    Go to FAIRWINDS Credit Union for an exclusive account bundle! Learn more about Christian Healthcare Ministries.  Get 20% off when you join DeleteMe.  Explore More From Ramsey Network:  🍸 Smart Money Happy Hour  🎙️ The Ramsey Show  💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💰 George Kamel  🪑 Front Row Seat with Ken Coleman  📈 EntreLeadership    Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

In the financial world, there's always buzz around retiring early and kind of hacking the system

0:11.1

when it comes to investing for the future.

0:13.3

So if you're someone who's eager to retire early, here are six questions you need to ask yourself.

0:18.9

And be sure to like, subscribe, and share this episode

0:21.0

with a friend. All right, the first question to ask yourself is why? Why do you want to retire early?

0:27.1

So if you've ever thought about it, it's kind of like, once I retire, everything is just going to be

0:31.3

easier and perfect and great. If that's your expectation, let's reexamine that. Because to have a quality life, you really do have to have a purpose.

0:41.6

Like, this idea of just living in the abyss never really helps. And it actually studies show that your decline physically and mentally can happen so quickly in retirement if you do not have something else you're

0:55.9

doing. And then also loneliness can really happen as well. So here's the thing. People like

1:01.7

see work as such a negative thing in this kind of connotation. But the truth is, if you find

1:08.8

the work that you love and that's what you do and that's how you earn a living, then that is really the goal. That's one of the goals in life, right? We spend so many hours of our lives working. And if the only thing you're doing is to run away from that, I think that there can be a huge letdown. Now, yes, is there flexibility? And maybe you can do something different that you've always wanted to do.

1:27.7

That doesn't pay as much as your normal job now, like all of that, absolutely.

1:31.2

And I'm not saying you have to work into retirement.

1:33.6

But this idea of kind of running away from retirement because you don't want to work may not be the best motivation.

1:41.1

Just throwing that out there.

1:42.7

All right.

1:42.9

Number two, do you have a great financial

1:44.8

advisor in your corner? Because beyond investing, there are other things that you want in place.

1:50.5

From estate plans, insurances, taxes, your will, like all of that, you want to make sure you

1:56.7

have really shored up. Because in order to retire early, you're obviously going to have to have the funds to do that. But you also want to look at your whole financial picture. And so I always recommend working with a SmartVestor Pro. I'll put a link down below so you can connect with one in your area. But having someone in your corner, you guys, regardless of what if you want to retire early or not, is so, so wise,

2:17.9

because when they can look at your entire financial picture, you're able to plan really well

2:21.8

and plan based on facts, not a motion or what's happening in that moment in the market,

...

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