What To Do in Your 20s So You Can Retire By Your 40s

The 6 Things You Need To Do When You're Young So You Can Successfully Retire Early
Free tutorial
Rating: 3.8 out of 5 (146 ratings)
5,020 students
32min of on-demand video
English [Auto]

How to create a plan to successfully retire in your 40s
How to invest strategically in the stock market
How to reduce your household expenses by $1000's per year
How to calculate your monthly net income & net worth
How to determine how much money you'll need to save for retirement
How to pay down your debts
How to create multiple income streams


  • You should have a very basic understanding of your finances
  • You should have a very basic knowledge of using spreadsheets


I was recently on the Q&A site Quora and someone asked "What should I learn in my 20s that will help me to financially retire at 35 and travel the world for the rest of my life?"

I started my answer "I retired at 43, but if I knew in my 20s what I know now, then I could’ve retired at 35. Here are the 6 steps I’ve developed to help young people set themselves up for a successful early retirement:"

I went on to describe these 6 steps:

  1. Know Your Numbers
  2. Figure Out Your Target Retirement Goals
  3. Pay Down Debt
  4. Maximize Your Income NOW
  5. Learn How To Invest
  6. Slash Your Expenses

To my surprise, in the first 3 weeks my answer had 742k views2.88k upvotes, and 935 shares.

Why? Two reasons:

1) Young people are starving for good information about personal finance. They simply don't teach you this stuff in school. And,

2) The 6 steps are very simple. It's not rocket science and is very doable.

If you're still in your 20s, you have the most powerful asset available: TIME. Please enjoy this FREE mini-course illustrating what you should do now so you can be retired by your 40s!

Who this course is for:

  • This course is for people in their 20s who want to learn more about personal finance
  • This course is for people in their 20s who want to improve their financial situation


Founder of Retire By 45
Dylin Redling
  • 4.1 Instructor Rating
  • 161 Reviews
  • 5,095 Students
  • 4 Courses

Dylin and his wife, Allison, were able to retire in their early 40s. After both getting laid off, they did the math and decided they didn't have to work for anyone anymore (woo hoo!!).

It took them about 15 years to retire. They didn't inherit any money, have trust funds, or hit it big with a tech IPO. They just followed sound financial techniques - the same ones they teach in this course.

Prior to retiring, they worked in the tech industry in the San Francisco Bay Area. Dylin was Director of Marketing (TickleLumosity, and Basis) and Allison was an IT Project Manager (AccentureeBay, and Stubhub).

They currently own and operate the website RetireBy45, which provides inspiration, tips & resources for retiring early and becoming financially independent.

Dylin is also a regular contributor on Quora (Most viewed writer in Retirement Planning), a Financial Expert on WalletHub, and has written articles for Business Insider, Elephant Journal, and Lifehack.

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