Extreme Saving Method Speeds Up Early Retirement Option – AARP

When Nicole Gosz and her husband started following FIRE, “we focused on living on as little as we could,” she says. She spent $12 in one year on makeup, for example — beauty e-tailer SkinStore reports the average woman spends $8 per day on makeup — “and I coupon and layer that on top of sales.” She says she and her husband eat 90 percent of their meals at home.

And that’s not even the hard part. Retiring early from a full-time job means having to buy health insurance, the cost of which goes up with age, and living without the safety net of Social Security, which can’t be claimed until age 62.

Flowers & Gifts

Flowers by FTD

25% off sitewide and 30% off select items

See more Flowers & Gifts offers >

{“hideCategory”:false,”useAlternateLanguage”:false,”headlineIconAltText”:””,”listItems”:[{“categoryTitle”:”Flowers u0026 Gifts”,”categoryUrl”:”/benefits-discounts/?categoryu003dshoppingandgroceries-flowersandgifts”,”categoryDeeplinkParam”:”shoppingandgroceries-flowersandgifts”,”isLimitedTimeOffer”:false,”offerJson”:{“offer_id”:””,”offer_title”:”25% Off Flowers”,”offer_short_title”:””,”offer_short_description”:”25% off sitewide and 30% off select items”,”featured_offer”:””,”last_updated_by”:””,”offer_description”:”u003cpu003eAARP members automatically save 25% sitewide on flowers and 30% on select items with promo code AARP30. No minimum purchase amount is required. Same-day delivery is available by local florists.u003c/pu003e”,”redemption_type”:””,”created_by”:””,”country_code”:””,”tab_label_offer_details”:”Details”,”tab_label_restrictions”:”Disclosures”,”restrictions_label”:”Disclosures”,”restrictions”:”u003cpu003eAARP commercial member benefits are provided by third parties, not by AARP or its affiliates. Providers pay a royalty fee to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some provider offers are subject to change and may have restrictions.u003c/pu003eu003cpu003eThe 25% discount is applied to the standard retail prices set forth on the FTD.COM website. The 30% discount applies to any item in the AARP Choice Collection. Enter promo code AARP30 to receive 30% discount on AARP Choice Collection items at checkout. Discounts are applied to the standard retail prices set forth on the FTD.COM website (standard retail prices shall not include sales prices) and are not available on: (a) product customizations including vases or product add-ons; or (b) service, shipping, delivery, care and handling fees (collectively, “Service Fees”), or any other fees and applicable taxes. The discount is available online and through the special toll-free number. Discounts cannot be combined. Quantities may be limited. Delivery for Floral and Gifting Items: For each item delivered by a local florist or shipped direct, a standard Service Fee will apply (the …….</p> <p><b>Source:</b> <a rel="nofollow noopener" href="https://news.google.com/__i/rss/rd/articles/CBMiamh0dHBzOi8vd3d3LmFhcnAub3JnL21vbmV5L2ludmVzdGluZy9pbmZvLTIwMjMvaG93LXRvLWFjaGlldmUtZmluYW5jaWFsLWluZGVwZW5kZW5jZS1lYXJseS1yZXRpcmVtZW50Lmh0bWzSAQA?oc=5" target="_blank">https://news.google.com/__i/rss/rd/articles/CBMiamh0dHBzOi8vd3d3LmFhcnAub3JnL21vbmV5L2ludmVzdGluZy9pbmZvLTIwMjMvaG93LXRvLWFjaGlldmUtZmluYW5jaWFsLWluZGVwZW5kZW5jZS1lYXJseS1yZXRpcmVtZW50Lmh0bWzSAQA?oc=5</a></p> </div> </div> <span class="cat-links"> <svg class="svg-icon" width="24" height="24" aria-hidden="true" role="img" focusable="false" viewBox="0.0 0 1879.0 2048" xmlns="http://www.w3.org/2000/svg"><path d="M1879,1080c0,20.667-10.333,42.667-31,66l-336,396c-28.667,34-68.833,62.833-120.5,86.5S1292,1664,1248,1664H160 c-22.667,0-42.833-4.333-60.5-13S73,1628,73,1608c0-20.667,10.333-42.667,31-66l336-396c28.667-34,68.833-62.833,120.5-86.5 S660,1024,704,1024h1088c22.667,0,42.833,4.333,60.5,13S1879,1060,1879,1080z M1536,736v160H704c-62.667,0-128.333,15.833-197,47.5 S383.667,1015,343,1063L6,1459l-5,6c0-2.667-0.167-6.833-0.5-12.5S0,1442.667,0,1440V480c0-61.333,22-114,66-158s96.667-66,158-66 h320c61.333,0,114,22,158,66s66,96.667,66,158v32h544c61.333,0,114,22,158,66S1536,674.667,1536,736z" /></svg><a href="https://financial-independence.tengruipharm.com" rel="category tag">Financial independence</a> </span> <span class="tag-links"> <svg class="svg-icon" width="24" height="24" aria-hidden="true" role="img" focusable="false" viewBox="0 0 1792 1792" xmlns="http://www.w3.org/2000/svg"><path d="M384 448q0-53-37.5-90.5t-90.5-37.5-90.5 37.5-37.5 90.5 37.5 90.5 90.5 37.5 90.5-37.5 37.5-90.5zm1067 576q0 53-37 90l-491 492q-39 37-91 37-53 0-90-37l-715-716q-38-37-64.5-101t-26.5-117v-416q0-52 38-90t90-38h416q53 0 117 26.5t102 64.5l715 714q37 39 37 91zm384 0q0 53-37 90l-491 492q-39 37-91 37-36 0-59-14t-53-45l470-470q37-37 37-90 0-52-37-91l-715-714q-38-38-102-64.5t-117-26.5h224q53 0 117 26.5t102 64.5l715 714q37 39 37 91z"></path></svg><span class="screen-reader-text">Tags:</span><a href="https://tengruipharm.com/tag/rss-feeds/" rel="tag">RSS Feeds</a> </span> </article> <nav class="navigation post-navigation" aria-label="Posts"> <h2 class="screen-reader-text">Post navigation</h2> <div class="nav-links"><div class="nav-previous"><a href="https://financial-independence.tengruipharm.com/how-can-you-become-financially-independent-opinion-the-jerusalem-post-10/" rel="prev"><span class="nav-title"><span class="screen-reader-text">Previous Post:</span> How can you become financially independent? – opinion – The Jerusalem Post</span></a></div><div class="nav-next"><a href="https://passive-income.tengruipharm.com/easy-ways-to-make-passive-income-online-as-a-business-owner-business-insider-76/" rel="next"><span class="nav-title"><span class="screen-reader-text">Next Post:</span> Easy ways to make passive income online as a business owner – Business Insider</span></a></div></div> </nav> <div class="pb-related-posts"> <h2 class="pb-related-posts-title">Related Posts</h2> <div class="glide carousel-posts carousel-related-posts"> <div class="glide__track" data-glide-el="track"> <ul class="glide__slides"> <li class="glide__slide"> <div class="carousel-post-image-wrap"> <a href="https://financial-independence.tengruipharm.com/how-to-establish-financial-independence-in-2023-aol-12/" class="carousel-post-image-link"> <img width="640" height="452" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAoAAAAHEAQAAAACBl6ZpAAAAAnRSTlMAAHaTzTgAAAA5SURBVHja7cEBAQAAAIIg/69uSEABAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAPBijwQAARjDdjsAAAAASUVORK5CYII=" class="carousel-post-image wp-post-image lazyload" alt="npressfetimg-1460.png" decoding="async" loading="lazy" data-src="https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-1460.png" data-srcset="https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-1460.png 640w, https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-1460-300x212.png 300w" data-sizes="auto" /><noscript><img width="640" height="452" src="https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-1460.png" class="carousel-post-image wp-post-image" alt="npressfetimg-1460.png" decoding="async" loading="lazy" srcset="https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-1460.png 640w, https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-1460-300x212.png 300w" sizes="(max-width: 640px) 100vw, 640px" data-eio="l" /></noscript> </a> </div> <div class="carousel-post-title-wrap"> <a href="https://financial-independence.tengruipharm.com/how-to-establish-financial-independence-in-2023-aol-12/" class="carousel-post-title-link">How To Establish Financial Independence in 2023 – AOL</a> <a class="carousel-post-taxonomy-link" href="https://financial-independence.tengruipharm.com">Financial independence</a> </div> </li> <li class="glide__slide carousel-post-only-title"> <div class="carousel-post-title-wrap"> <a href="https://financial-independence.tengruipharm.com/how-i-achieved-financial-independence-through-trading-digital-journal-13/" class="carousel-post-title-link">How I Achieved Financial Independence Through Trading – Digital Journal</a> <a class="carousel-post-taxonomy-link" href="https://financial-independence.tengruipharm.com">Financial independence</a> </div> </li> <li class="glide__slide"> <div class="carousel-post-image-wrap"> <a href="https://financial-independence.tengruipharm.com/extreme-saving-method-speeds-up-early-retirement-option-aarp-465/" class="carousel-post-image-link"> <img width="470" height="640" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAdYAAAKAAQAAAAAJXmSAAAAAAnRSTlMAAHaTzTgAAAA8SURBVHja7cEBDQAAAMKg909tDwcUAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAwKcBlgAAAd+DKWAAAAAASUVORK5CYII=" class="carousel-post-image wp-post-image lazyload" alt="npressfetimg-47775.png" decoding="async" loading="lazy" data-src="https://tengruipharm.com/wp-content/uploads/2023/01/npressfetimg-47775.png" data-srcset="https://tengruipharm.com/wp-content/uploads/2023/01/npressfetimg-47775.png 470w, https://tengruipharm.com/wp-content/uploads/2023/01/npressfetimg-47775-220x300.png 220w" data-sizes="auto" /><noscript><img width="470" height="640" src="https://tengruipharm.com/wp-content/uploads/2023/01/npressfetimg-47775.png" class="carousel-post-image wp-post-image" alt="npressfetimg-47775.png" decoding="async" loading="lazy" srcset="https://tengruipharm.com/wp-content/uploads/2023/01/npressfetimg-47775.png 470w, https://tengruipharm.com/wp-content/uploads/2023/01/npressfetimg-47775-220x300.png 220w" sizes="(max-width: 470px) 100vw, 470px" data-eio="l" /></noscript> </a> </div> <div class="carousel-post-title-wrap"> <a href="https://financial-independence.tengruipharm.com/extreme-saving-method-speeds-up-early-retirement-option-aarp-465/" class="carousel-post-title-link">Extreme Saving Method Speeds Up Early Retirement Option – AARP</a> <a class="carousel-post-taxonomy-link" href="https://financial-independence.tengruipharm.com">Financial independence</a> </div> </li> <li class="glide__slide"> <div class="carousel-post-image-wrap"> <a href="https://financial-independence.tengruipharm.com/investing-advice-for-2023-why-it-will-be-one-of-the-greatest-years-business-insider-7/" class="carousel-post-image-link"> <img width="640" height="342" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAoAAAAFWAQAAAADROREhAAAAAnRSTlMAAHaTzTgAAAAySURBVHja7cExAQAAAMKg9U9tCj+gAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAACArwFsNgABrqosgQAAAABJRU5ErkJggg==" class="carousel-post-image wp-post-image lazyload" alt="npressfetimg-21639.png" decoding="async" loading="lazy" data-src="https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-21639.png" data-srcset="https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-21639.png 640w, https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-21639-300x160.png 300w" data-sizes="auto" /><noscript><img width="640" height="342" src="https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-21639.png" class="carousel-post-image wp-post-image" alt="npressfetimg-21639.png" decoding="async" loading="lazy" srcset="https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-21639.png 640w, https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-21639-300x160.png 300w" sizes="(max-width: 640px) 100vw, 640px" data-eio="l" /></noscript> </a> </div> <div class="carousel-post-title-wrap"> <a href="https://financial-independence.tengruipharm.com/investing-advice-for-2023-why-it-will-be-one-of-the-greatest-years-business-insider-7/" class="carousel-post-title-link">Investing Advice for 2023, Why It Will Be ‘One of the Greatest Years’ – Business Insider</a> <a class="carousel-post-taxonomy-link" href="https://financial-independence.tengruipharm.com">Financial independence</a> </div> </li> <li class="glide__slide"> <div class="carousel-post-image-wrap"> <a href="https://financial-independence.tengruipharm.com/investing-advice-for-2023-why-it-will-be-one-of-the-greatest-years-business-insider-13/" class="carousel-post-image-link"> <img width="640" height="426" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAoAAAAGqAQAAAACzachDAAAAAnRSTlMAAHaTzTgAAAA4SURBVHja7cEBDQAAAMKg909tDjegAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA+DaGygABYQdEywAAAABJRU5ErkJggg==" class="carousel-post-image wp-post-image lazyload" alt="npressfetimg-21880.png" decoding="async" loading="lazy" data-src="https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-21880.png" data-srcset="https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-21880.png 640w, https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-21880-300x200.png 300w" data-sizes="auto" /><noscript><img width="640" height="426" src="https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-21880.png" class="carousel-post-image wp-post-image" alt="npressfetimg-21880.png" decoding="async" loading="lazy" srcset="https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-21880.png 640w, https://tengruipharm.com/wp-content/uploads/2022/12/npressfetimg-21880-300x200.png 300w" sizes="(max-width: 640px) 100vw, 640px" data-eio="l" /></noscript> </a> </div> <div class="carousel-post-title-wrap"> <a href="https://financial-independence.tengruipharm.com/investing-advice-for-2023-why-it-will-be-one-of-the-greatest-years-business-insider-13/" class="carousel-post-title-link">Investing Advice for 2023, Why It Will Be ‘One of the Greatest Years’ – Business Insider</a> <a class="carousel-post-taxonomy-link" href="https://financial-independence.tengruipharm.com">Financial independence</a> </div> </li> <li class="glide__slide"> <div class="carousel-post-image-wrap"> <a href="https://financial-independence.tengruipharm.com/bitcoin-price-not-more-important-than-financial-independence-trezor-ceo-cointelegraph-98/" class="carousel-post-image-link"> <img width="585" height="640" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAkkAAAKAAQAAAACgHNHlAAAAAnRSTlMAAHaTzTgAAABFSURBVHja7cExAQAAAMKg9U/taQmgAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAOAGu4AAAel/I/UAAAAASUVORK5CYII=" class="carousel-post-image wp-post-image lazyload" alt="npressfetimg-23958.png" decoding="async" loading="lazy" data-src="https://tengruipharm.com/wp-content/uploads/2023/01/npressfetimg-23958.png" data-srcset="https://tengruipharm.com/wp-content/uploads/2023/01/npressfetimg-23958.png 585w, https://tengruipharm.com/wp-content/uploads/2023/01/npressfetimg-23958-274x300.png 274w" data-sizes="auto" /><noscript><img width="585" height="640" src="https://tengruipharm.com/wp-content/uploads/2023/01/npressfetimg-23958.png" class="carousel-post-image wp-post-image" alt="npressfetimg-23958.png" decoding="async" loading="lazy" srcset="https://tengruipharm.com/wp-content/uploads/2023/01/npressfetimg-23958.png 585w, https://tengruipharm.com/wp-content/uploads/2023/01/npressfetimg-23958-274x300.png 274w" sizes="(max-width: 585px) 100vw, 585px" data-eio="l" /></noscript> </a> </div> <div class="carousel-post-title-wrap"> <a href="https://financial-independence.tengruipharm.com/bitcoin-price-not-more-important-than-financial-independence-trezor-ceo-cointelegraph-98/" class="carousel-post-title-link">Bitcoin price not more important than financial independence: Trezor CEO – Cointelegraph</a> <a class="carousel-post-taxonomy-link" href="https://financial-independence.tengruipharm.com">Financial independence</a> </div> </li> </ul> </div> <div class="glide__arrows" data-glide-el="controls"> <button class="glide__arrow glide__arrow--left" data-glide-dir="<"> <span class="screen-reader-text">prev</span> <svg class="svg-icon" width="24" height="24" aria-hidden="true" role="img" focusable="false" viewBox="53.0 0 1558.0 2048" xmlns="http://www.w3.org/2000/svg"><path d="M1611,832c0,35.333-12.333,65.333-37,90l-651,651c-25.333,25.333-55.667,38-91,38c-36,0-66-12.667-90-38L91,922 c-25.333-24-38-54-38-90c0-35.333,12.667-65.667,38-91l74-75c26-24.667,56.333-37,91-37c35.333,0,65.333,12.333,90,37l486,486 l486-486c24.667-24.667,54.667-37,90-37c34.667,0,65,12.333,91,37l75,75C1598.667,767,1611,797.333,1611,832z" /></svg> </button> <button class="glide__arrow glide__arrow--right" data-glide-dir=">"> <span class="screen-reader-text">next</span> <svg class="svg-icon" width="24" height="24" aria-hidden="true" role="img" focusable="false" viewBox="53.0 0 1558.0 2048" xmlns="http://www.w3.org/2000/svg"><path d="M1611,832c0,35.333-12.333,65.333-37,90l-651,651c-25.333,25.333-55.667,38-91,38c-36,0-66-12.667-90-38L91,922 c-25.333-24-38-54-38-90c0-35.333,12.667-65.667,38-91l74-75c26-24.667,56.333-37,91-37c35.333,0,65.333,12.333,90,37l486,486 l486-486c24.667-24.667,54.667-37,90-37c34.667,0,65,12.333,91,37l75,75C1598.667,767,1611,797.333,1611,832z" /></svg> </button> </div> </div> </div> <div id="comments" class="comments-area"> <div id="respond" class="comment-respond"> <h3 id="reply-title" class="comment-reply-title">Leave a Reply <small><a rel="nofollow" id="cancel-comment-reply-link" href="/extreme-saving-method-speeds-up-early-retirement-option-aarp-258/#respond" style="display:none;">Cancel reply</a></small></h3><form action="https://tengruipharm.com/wp-comments-post.php" method="post" id="commentform" class="comment-form" novalidate><p class="comment-notes"><span id="email-notes">Your email address will not be published.</span> <span class="required-field-message">Required fields are marked <span class="required">*</span></span></p><p class="comment-form-comment"><label for="comment">Comment <span class="required">*</span></label> <textarea id="comment" name="comment" cols="45" rows="8" maxlength="65525" required>

Name *

Email *

Website