How to Retire Early – Index of Articles

IRA-RolloverThis website has information about early retirement for those who have a CalPERS pension. It’s also relevant to those with other traditional pensions such as CalSTRS and UCRP. According to Social Security, most people are expected to retire between ages 65 and 67. However, retiring much earlier is realistic only with a plan such as CalPERS. With a traditional pension, you can retire as early as age 50.

Although this information can be used by people who have defined contribution retirement plans such as an IRA or 401k, their early retirement efforts often lag behind those in defined benefit plans such as CalPERS. For instance, 401k and IRA accounts do not include cost of living increases (COLA), which means funds need to stay invested to keep ahead of inflation.

If you are planning to retire early without a CalPERS like pension, my best piece of advice for you is to significantly lower your monthly living standards. Without a COLA, it’s far more likely you will outlive your savings. The same is true for CalPERS retirees who are entitled to less than 60% of their pre-retirement salary.

Global Financial Crisis:

Comparison Between Greece and the California Budget Crisis

California Taxes:

No Early California Tax Refund for 2010

CalPERS Pension:

How to Retire with a CalPERS Pension?

WSJ Are Public Employee Unions and Pensions Sinking California?

Value of a CalPERS Pension

About the CalPERS 2.5% at 55 Plan

About the CalPERS COLA

How Furloughs Affect a CalPERS and CalSTRS Pension

IRA, 401k, 403b and 457 Retirement Accounts for CalPERS members:

Why Invest in a IRA / 401k / 457 / 403B account?

Getting Funds for a CalPERS Airtime Purchase

Review of the CalPERS 457 Deferred Compensation Account

Can Options be Sold in an IRA Account?

Career and Jobs:

What Happens to Your CalPERS When You Leave Your Job?

How to get a California government job with a Generous CalPERS Pension?

Credit Card Debt

How to Pay Off Your High Interest Credit Card Debt Earlier with a FSA?

Disability Insurance:

Are CalPERS Disability Benefits Taxable?

Early Retirement:

Early Retirement on CalPERS

Marriage and Divorce:

What Happens to Your CalPERS When You Divorce?

Home Mortgages and Home Loans:

About CalPERS Mortgages and Home Loans

Pension Reform and Politics

Why Meg Whitman is not Supporting the Pension Reform Ballot Measure?

Meg Whitman and Public Employee Unions

How to Double Dip Your CalPERS Pension

What Should City of SJ Employees Do With Pension Reform? (Hint: Exit stage left)

Social Security and Medicare:

Social Security, Medicare and CalPERS