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How to Live a Day Without a Fixed Mold: The Power of Routine

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 Hello. In my last post, I discussed the specific numbers of the compounding withdrawal system that will sustain the 12-year gap after my retirement in 2030. Once you have built a reliable pipeline, the next question to consider is: "What will I fill that free time with, which the system has gifted me?" Some fear that when the structure of a company disappears, their daily life will easily crumble. A 24-hour blank slate with no set clock-in time and no supervisor directing you can feel surprisingly daunting. However, within that immense freedom, I plan to seamlessly carry forward the 'solid routines' that already anchor my life today. 6:00 AM: The Most Familiar Start That Grounds Me Even when the morning of my first day of retirement in February 2030 dawns, my day will begin at 6:00 AM, just as it always has. Even now, I wake up at 6:00 AM every single day to meditate and go for a walk while plogging—picking up litter around my neighborhood. Upon returning, I ti...
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The 12 Years Between Early Retirement in 2030 and My Pension in 2042: The Most Vibrant Blank Slate of My Life

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 Hello. I am a blogger who shares records of my investments and life.  In my last post, I shared the core framework of my portfolio. Today, based on that system, I would like to share a concrete milestone of the future I am heading toward: the '12 years' between my early retirement in 2030 and receiving my personal pension. Some might look at these 12 years of no traditional salary in my mid-40s as an 'anxious gap.' For me, however, this time is a brilliant opportunity to break free from the fixed mold and reclaim absolute ownership of my life. Instead of commuting like a pendulum, I plan to fill my days reading and writing every morning, learning cooking and sports, and experiencing a completely new world. Of course, this freedom is not based on blind optimism; it is possible because of a thoroughly calculated, 'simple system.' Withdrawing 3 Million Won a Month: Can It Really Last 12 Years? At the center of my plan is the capital that will be established u...
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The Weapon of Systematic Index Investing: Sleeping Soundly Despite Volatility

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 Many investors analyze charts every minute, attempting to beat market volatility. I will be honest: I have no interest in trying to beat the market. My personality is simply not built for the adrenaline rush of tracking volatile tickers. Instead of attempting to master volatility, I chose to build a system that allows me to sleep soundly through it. For me, systematic index investing is not just a strategy; it is a fortress that protects my family's future on the vast, unpredictable waves of the market. Philosophy: S&P 500, NASDAQ, and TDF Some might ask, "Why such a specific blend?" My allocation isn't arbitrary; it is a blueprint built on conviction. The Core - S&P 500: The backbone of my portfolio. I believe firmly in the historic, long-term upward trajectory of the 500 most powerful companies in the US economy. The Catalyst - NASDAQ 100: Serving as a "side-dish," I add NASDAQ 100 to inject growth potential into my core, balancing stabilit...
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