Let me tell you about Susan. She’s in her late 50s, a hardworking personal assistant who spent decades juggling a demanding job while raising three children. Now that her kids are grown up and living their own lives, Susan started to feel stuck. Her job was taking up so much of her time, and she couldn’t shake the feeling that she was missing out on the things she really wanted to do—like traveling, visiting friends overseas, and spending more time with her grandchildren.
One day, Susan decided enough was enough. She had worked hard all her life, saved up £300,000 in cash, and owned her home outright (worth £400,000). So why not use those resources to create the life she truly wanted? That’s when she reached out to me for advice.
Together, we came up with a plan to help her leave the 9-to-5 grind behind and step into a life of freedom and fulfillment.
The Plan That Let Susan “Retire” Early
When Susan first came to me, she wasn’t sure how to make her savings work for her. She knew she didn’t want to burn through her money but instead wanted it to grow and provide her with a steady income. After chatting about her goals—traveling, spending time with family, and having enough money for everyday expenses—we came up with a simple yet effective plan.
Here’s what we did:
1. Long-Term Investment for Stability
We put £150,000 into a long-term investment that offered a 10% annual return paid monthly. This gave Susan a reliable income of £1,250 per month—a great foundation for covering her basic living costs.
2. Short-Term Investment for Flexibility
Next, we invested £100,000 into a 3-year plan that paid 12% annually in quarterly payments. This added an average of £1,000 per month to her income stream.
Altogether, these investments generated £2,250 per month in passive income—plenty to cover Susan’s expenses while leaving room for fun and travel.
We also kept £50,000 aside as an emergency fund because life can throw curveballs, and it’s always good to have a safety net.
Living the Dream on £2,250 Per Month
Once we had the investments sorted, Susan and I sat down to look at her monthly expenses:
- Utilities: £550
- Food: £400
- Discretionary Spending: £1,250 (for holidays, visiting friends overseas, and other personal interests)
Her total expenses came to about £2,200, which meant her passive income covered everything with a little wiggle room left over after taxes.
Best of all? She didn’t have to touch her emergency fund or worry about running out of money.
Freedom at Last
With her finances in order, Susan handed in her notice at work and stepped into the next chapter of her life. These days, she spends more time with her grandchildren—whether it’s cheering them on at soccer games or baking cookies together on weekends. She’s also traveling more than ever before! From exploring historic cities in Europe to reconnecting with old friends overseas, Susan is finally living the life she dreamed of.
She told me recently that she feels like a weight has been lifted off her shoulders. “I never realized how much my job was holding me back,” she said. “Now I wake up every day excited about what’s ahead.”
What Can We Learn from Susan?
Susan’s story is proof that financial independence isn’t just for younger people or those earning six-figure salaries—it’s possible for anyone with a solid plan and clear goals. Here are some takeaways from her journey:
- Know What You Want: Susan didn’t just want to stop working; she wanted time for family and travel. Having clear goals made it easier to create a financial plan that worked for her.
- Make Your Money Work for You: By investing wisely in passive income streams, Susan replaced her salary without dipping into her savings.
- Plan for the Unexpected: Keeping an emergency fund gave Susan peace of mind that she could handle any surprises along the way.
- Enjoy the Journey: Financial independence isn’t just about money—it’s about creating the life you want to live.
Ready to Create Your Own Plan?
If you’re reading this and thinking, “I wish I could do what Susan did,” let me tell you—you absolutely can! Whether you’re looking to retire early or just want more freedom in your life, it all starts with a conversation.
Why not take the first step today? Book a free consultation directly : Click Here
Let’s chat about your goals and how we can make them happen—just like we did for Susan!
Your dream life is closer than you think!
