Hey there! So, I’ve made this bold decision — I will retire at 45. Crazy, right? But hear me out. It’s not about lounging on a beach (okay, maybe a little), but more about creating a life where work becomes optional. Over the years, I’ve been diving deep into strategies to make this dream a reality — smart saving, investing, and living intentionally. And guess what? It’s totally achievable for you too! Let me break it down step-by-step and show you how you can design your own early retirement plan. Let’s make this dream happen together!

About Me 🧑

So, there’s nothing special about me to brag about other than being a normal human being who’s been average at everything from studies to sports.

I developed my passion and feelings against the stock market and personal finance from 10th grade onwards. I am pursuing my M.tech(Int) degree from one of India’s prestigious universities. When I was pursuing my first year of college I learned about early retirement and the concept of FIRE(Financial Independence, Retire Early).

I was very curious and wanted to learn more about it. Then I did a quick research on it and came up with my FIRE number which is around ₹15Cr which includes my child's education(You may think that I am not married and I am coming with this term, But yeah, I pre-planned everything included that too) and the amount is inflation adjusted.

My Approach 💹

Now you may get a question How am I even going to save such a huge amount? Two things that I have as my positive are that I have more than 25 years to retire and Time plays a huge factor in saving a huge wealth. Another thing is that meanwhile during the COVID, I learned a lot about stock markets which may help me in picking up future mulitbaggers. In turn, this may boost my early retirement plans.

I am currently 20 Years old and able to save around ₹5,000 every month out of which 50% is in mutual funds(Out of which 50% in Index Funds & another 50% in actively managed mutual funds) and another 50% in micro caps researched and picked by me. I am going in 100% equity as I am kinda an aggressive investor and like to take a lot of risk, I also plan to increase the SIP amount by 20% each year until I reach ₹50,000 in total SIP amount. My current problem is my income which is currently the money I get from my parents as pocket money.

I need to seek some part-time job opportunities this year and try to increase my income which will in turn increase my savings and boost my confidence against my early retirement. Do follow me on X and Instagram to check my progress on the same as I will keep you guys updated.

My Plan 💰

Once I reach my required corpus, I am planning to run my retirement Algo trading software on the whole corpus which I’ve started building recently and I will keep training it throughout the period until I reach my retirement.

All I am expecting from the Algo is around 2% return each month as that would amount to a whopping ₹30,00,000 each month of passive income which would be more than sufficient to run my family and live a comfortable life in my native even considering the inflation.

This method of running an algo may not be suitable for everyone as it involves a risk of losing all the money too. But as told earlier I am kinda a guy who likes to take a lot of risks.

☕ Fuel My Dream to Retire at 45!
Every coffee counts towards my journey. Support me here: https://buymeacoffee.com/raghavmri

Do let me know if you want more posts like this on early retirement or a comprehensive study on the microcaps that I am currently looking at… :)