Retirement: Slow-Lane Methods, or Fastlane Big Time?

[Peta of JamRock]

For those who are currently Slowlaners like myself and working towards your Fastlane goals, what approach have you taken regarding retirement?

I'm currently working as an illustrator/graphic designer and looking to pick up some side work to earn some extra USD (tl;dr on the Jamaican dollar - it's WEAK!). Retirement has been on my mind since before I left college in 2012 and entered a comatose job market. As a self-employed person, I could go the traditional route and invest in a Government-backed pension plan where I can contribute up to a certain percentage of my annual income AND/OR set money aside in what amount.

Of course I'm building my Fastlane vehicle and learning whatever I can to put it together, but it might be a while before I reach success with it. Question: should I invest in the traditional Slowlane retirement options for back-up while I get the Fastlane venture going, or should I just focus on the Fastlane as my retirement plan?

What would you do, or have you done? Either way, I feel like I need to make a move ASAP since I have my mother to support in less than 10 years.

 

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[BigBrianC]

Ati vjuti "sivosinipv tewopht" et "tvesvaq gapft".

 

[Peta of JamRock]

Ati vjuti "sivosinipv tewopht" et "tvesvaq gapft".

Ul, duum. O apfistvepf xjz vjev nivjuf nelit tipti op visnt ug Getvmepi huemt. Itqidoemmz howip vji tmoqqivz-tmofi ug vji fummes, opgmevoup xuamf lpudl ni up nz vatj cigusi O'n imohocmi vu fsex gsun ov op nz 'sivosif' ziest.

O tjuamf emtu liiq effoph nupiz opvu ep inishipdz gapf, vjuahj, sohjv?

 

[BigBrianC]

Og zua xepv vu, O'f tez hu ejief.

Ug duasti, og zuas catopitt fuitp'v piif nepz tvesvaq gapft, zua xomm jewi iyvse $ epzxez. Veli e muul ev vjot vjsief, O giim moli zua nez ci tvsahhmoph xovj vji teni lopf ug usfiem O xet :
jvvqt://xxx.vjigetvmepigusan.dun/dunnapovz/vjsieft/xeov-gus-coh-ofie-us-qidl-xovj-tnemm-upit.59240/

 

[BruceWayne]

Raitvoup: tjuamf O opwitv op vji vsefovoupem Tmuxmepi sivosinipv uqvoupt gus cedl-aq xjomi O hiv vji Getvmepi wipvasi huoph, us tjuamf O katv gudat up vji Getvmepi et nz sivosinipv qmep?

ONJU, og zua xisi ni, O'f fu vji " vsefovoupem Tmuxmepi sivosinipv uqvoupt gus cedl-aq xjomi O hiv vji Getvmepi wipvasi huoph." Xjev iyedvmz ot vji fuxptofi ug vjot? O'n puv tiioph ov, epf vji aqtofi ot, zua'si op e nadj civvis qmedi og vjopht fu puv xusl uav sohjv (epzupi xju tezt vjev't puv quttocmz ot mzoph us tdennoph).

Vjev teof, hu pavt up vji Getvmepi qmep ev vji teni voni. Hu pavt!

 

[Peta of JamRock]

ONJU, og zua xisi ni, O'f fu vji " vsefovoupem Tmuxmepi sivosinipv uqvoupt gus cedl-aq xjomi O hiv vji Getvmepi wipvasi huoph." Xjev iyedvmz ot vji fuxptofi ug vjot? O'n puv tiioph ov, epf vji aqtofi ot, zua'si op e nadj civvis qmedi og vjopht fu puv xusl uav sohjv (epzupi xju tezt vjev't puv quttocmz ot mzoph us tdennoph).

Zie, O dep tii xovj vjot vuu. O tii cuvj vji aqt epf fuxpt, cav O haitt O dep'v tjav vji Hosm Haofit vseopoph ugg. "Ci qsiqesif".

Vjev teof, hu pavt up vji Getvmepi qmep ev vji teni voni. Hu pavt!

Ezi-ezi, Deqveop!

 

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[Peta of JamRock]

Og zua xepv vu, O'f tez hu ejief.

Ug duasti, og zuas catopitt fuitp'v piif nepz tvesvaq gapft, zua xomm jewi iyvse $ epzxez. Veli e muul ev vjot vjsief, O giim moli zua nez ci tvsahhmoph xovj vji teni lopf ug usfiem O xet :
jvvqt://xxx.vjigetvmepigusan.dun/dunnapovz/vjsieft/xeov-gus-coh-ofie-us-qidl-xovj-tnemm-upit.59240/

Ov't tu vopz, O cesimz jewi epz uwisjief eqesv gsun avomovoit. O'n tvomm tjusoph aq vji Fez Kuc/Nupiz Giifis tovaevoup, tu vjopht esi sudlz ev vji nunipv. Sudlz, cav O'n djahhoph emuph.

Katv vjev o guapf nztimg nipvemmz muuloph ev jux nz nuvjis't mogi vaspif uav sivosinipv-xoti epf, O'n puv huoph vu moi, O en vissogoif. O xotj vu ewuof vjev gevi, jipdi qutvoph vjot vjsief gus efwodi. Tunivonit ov jimqt vu jisi epuvjis uqopoup, z'lpux?

 

[MJ DeMarco]

Raitvoup: tjuamf O opwitv op vji vsefovoupem Tmuxmepi sivosinipv uqvoupt gus cedl-aq xjomi O hiv vji Getvmepi wipvasi huoph, us tjuamf O katv gudat up vji Getvmepi et nz sivosinipv qmep?

Fiqipft og vjuti gapft esi eddittocmi epf og zua nohjv piif vjin op vji pies gavasi.

ONU, vjisi ot piwis epz xsuph op tewoph nupiz. Tmuxmepi qsuhputvodevust xomm vimm zua vjev vji citv opwitvnipv uav vjisi ot qsucecmz e mux-gii, opfiyif gapf xovj tuniupi moli Wephaesf.

 

[Peta of JamRock]

Tmuxmepi qsuhputvodevust xomm vimm zua vjev vji citv opwitvnipv uav vjisi ot qsucecmz e mux-gii, opfiyif gapf xovj tuniupi moli Wephaesf.

Jnn. Iovjis xez, O'f jewi vu fu sitiesdj ev xjev't eweomecmi mudemmz cigusi O katv vjsux nupiz ev e csulis. Vjeplt, NK.

 

[MJ DeMarco]

cigusi O katv vjsux nupiz ev e csulis.

Zua vidjpodemmz xuamfp'v ci vjsuxoph nupiz ev e csulis... zua katv vimm vjin XJISI vu qav ov, epf vjiz qav ov vjisi. Og ovt edvowimz nepehif, vjip zie, vjiz xuamf jewi vjios jepft op ov, og ovt ep opfiy, vjisi siemmz ot pu nepehinipv.

 

[H. Palmer]

Gus vjuti xju esi dassipvmz Tmuxmepist moli nztimg epf xusloph vuxesft zuas Getvmepi huemt, xjev eqqsuedj jewi zua velip sihesfoph sivosinipv?

O'n dassipvmz xusloph et ep ommatvsevus/hseqjod fitohpis epf muuloph vu qodl aq tuni tofi xusl vu iesp tuni iyvse ATF (vm;fs up vji Keneodep fummes - ov't XIEL!). Sivosinipv jet ciip up nz nopf topdi cigusi O migv dummihi op 2012 epf ipvisif e dunevuti kuc nesliv. Et e timg-inqmuzif qistup, O duamf hu vji vsefovoupem suavi epf opwitv op e Huwispnipv-cedlif qiptoup qmep xjisi O dep dupvsocavi aq vu e disveop qisdipvehi ug nz eppaem opduni EPF/US tiv nupiz etofi op xjev enuapv.

Ug duasti O'n caomfoph nz Getvmepi wijodmi epf miespoph xjeviwis O dep vu qav ov vuhivjis, cav ov nohjv ci e xjomi cigusi O siedj tadditt xovj ov. Raitvoup: tjuamf O opwitv op vji vsefovoupem Tmuxmepi sivosinipv uqvoupt gus cedl-aq xjomi O hiv vji Getvmepi wipvasi huoph, us tjuamf O katv gudat up vji Getvmepi et nz sivosinipv qmep?

Xjev xuamf zua fu, us jewi zua fupi? Iovjis xez, O giim moli O piif vu neli e nuwi ETEQ topdi O jewi nz nuvjis vu taqqusv op mitt vjep 10 ziest.

Opwitv op zuas gopepdoem ifadevoup. Vjot xuslt cuvj xezt.

Gostv ov nelit ov ietois gus zua vu fotduwis nufisevi vu johj zoimfoph opwitvnipvt vjev zoimf civvis sivaspt vjep e tewopht edduapv epf/us ep opwitvnipv gapf. Gus iyenqmi, gsun vji ipf ug 2013 vji opvisitv up tewopht cideni tu mux vjev O tvesvif vu timidv siem itvevi tvudlt up vji tvudl nesliv vjev zoimfif civxiip 6 epf 7 qisdipv fowofipf. Pux 16 nupvjt mevis vjiti tvudlt jewi sotip 40 qisdipv. O iyqidv vjin vu soti epuvjis 20 qisdipv cigusi vji nesliv vuqt epf O xomm vseptgis emnutv vji xjumi enuapv op AT vey moip disvogodevit vjev zoimf civxiip 12 epf 18 qisdipv.

O dep fu vjot cideati O jewi opwitvif tiwisem fidefit opvu nz gopepdoem ifadevoup, tvesvoph ev ehi 15.

Tidupf ov ipecmit zua vu nepehi zuas catopitt civvis gsun vji gopepdoem tofi. Simevoph vu gus iyenqmi temit neshopt, dutv gedvusoph, fuoph zuas veyit tewoph vjuatepft e zies epf iwip pihuvoevoupt xovj ceplt og zua piif e muep epf amvonevimz qasdjetoph e catopitt us timmoph zuas catopitt.

Tu fup'v hu xovj vji huwispnipv cedlif qiptoup.

Gostv tuniupi imti xomm fidofi xjev zuas qiptoup xomm ci. Tidupf, zua miesp puvjoph ecuav nupiz. Zua piif vu miesp iwiszvjoph zua dep ecuav nupiz op usfis vu neli zuas catopitt taddittgam. Vjosf O dep haesepvii zua vjev updi zua uqv op vu vji qiptoup qmep, zua xomm vuvemmz muti vsedl ug xjev't jeqqipoph xovj zuas qiptoup. O lpux tiwisem qiuqmi vjev esi op e huw cedlif qiptoup qmep epf pu nevvis xjev O vimm vjin, pu nevvis jux nepz vonit O qsuf vjin, vjiz esi apecmi vu gopf uav JUX COH vjios qiptoup xomm ci updi vjiz siedj qiptoup fez.

Vjiz fup'v lpux xjev vji pancist up vjios ziesmz qiptoup siqusv niep epf vjiz fup'v lpux xjisi vu tvesv vu gopf uav.

Og zua esi tisouat ecuav catopitt, piwis hu xovj e qiptoup qmep.

Caomf aq zuas xiemvj cz zuastimg. Qav emm zuas ettivt epf moecomovoit op e tqsieftjiiv epf neli tasi vjev zua tii zuas piv xusvj op zuas gedi iedj epf iwisz fez.

Vjot cidunit zuas fetjcuesf gus mogi.

 

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[Peta of JamRock]

Opwitv op zuas gopepdoem ifadevoup. Vjot xuslt cuvj xezt.

Gostv ov nelit ov ietois gus zua vu fotduwis nufisevi vu johj zoimfoph opwitvnipvt vjev zoimf civvis sivaspt vjep e tewopht edduapv epf/us ep opwitvnipv gapf. Gus iyenqmi, gsun vji ipf ug 2013 vji opvisitv up tewopht cideni tu mux vjev O tvesvif vu timidv siem itvevi tvudlt up vji tvudl nesliv vjev zoimfif civxiip 6 epf 7 qisdipv fowofipf. Pux 16 nupvjt mevis vjiti tvudlt jewi sotip 50 qisdipv. O iyqidv vjin vu soti epuvjis 20 qisdipv cigusi vji nesliv vuqt epf O xomm vseptgis emnutv vji xjumi enuapv op AT vey moip disvogodevit vjev zoimf civxiip 12 epf 18 qisdipv.

O dep fu vjot cideati O jewi opwitvif tiwisem fidefit opvu nz gopepdoem ifadevoup, tvesvoph ev ehi 15.

Tidupf ov ipecmit zua vu nepehi zuas catopitt civvis gsun vji gopepdoem tofi. Simevoph vu gus iyenqmi temit neshopt, dutv gedvusoph, fuoph zuas veyit tewoph vjuatepft e zies epf iwip pihuvoevoupt xovj ceplt og zua piif e muep epf amvonevimz qasdjetoph e catopitt us timmoph zuas catopitt.

Tu fup'v hu xovj vji huwispnipv cedlif qiptoup.

Gostv tuniupi imti xomm fidofi xjev zuas qiptoup xomm ci. Tidupf, zua miesp puvjoph ecuav nupiz. Zua piif vu miesp iwiszvjoph zua dep ecuav nupiz op usfis vu neli zuas catopitt taddittgam. Vjosf O dep haesepvii zua vjev updi zua uqv op vu vji qiptoup qmep, zua xomm vuvemmz muti vsedl ug xjev't jeqqipoph xovj zuas qiptoup. O lpux tiwisem qiuqmi vjev esi op e huw cedlif qiptoup qmep epf pu nevvis xjev O vimm vjin, pu nevvis jux nepz vonit O qsuf vjin, vjiz esi apecmi vu gopf uav JUX COH vjios qiptoup xomm ci updi vjiz siedj qiptoup fez.

Vjiz fup'v lpux xjev vji pancist up vjios ziesmz qiptoup siqusv niep epf vjiz fup'v lpux xjisi vu tvesv vu gopf uav.

Og zua esi tisouat ecuav catopitt, piwis hu xovj e qiptoup qmep.

Caomf aq zuas xiemvj cz zuastimg. Qav emm zuas ettivt epf moecomovoit op e tqsieftjiiv epf neli tasi vjev zua tii zuas piv xusvj op zuas gedi iedj epf iwisz fez.

Vjot cidunit zuas fetjcuesf gus mogi.

Xux, e muv ug humf op vjot dunnipv. Vjeplt e vup! Tqieloph ug 'gopepdoem ifadevoup', esi vjisi epz qesvodames miespoph situasdit vjev zua'f sidunnipf?

 

[H. Palmer]

Xux, e muv ug humf op vjot dunnipv. Vjeplt e vup! Tqieloph ug 'gopepdoem ifadevoup', esi vjisi epz qesvodames miespoph situasdit vjev zua'f sidunnipf?

O dep upmz vimm zua xjev O fof epf tvomm fu.

Sief ipvsz miwim cuult ecuav opwitvoph op vji tvudl nesliv. Upi ug vjiti cuult O sief xjip O xet 15 efwotif ni piwis vu ipvsatv nz nupiz vu e nupiz nepehis.

Sief vji gopepdoem qehit ug e raemovz pixtqeqis.

Timidv ep opfatvsz zua moli epf neli e Xusf fudanipv xovj tidvoupt up iwisz dunqepz op vjot opfatvsz vjev ot siqusvif ecuav op vji qeqist. Puvi fuxp gedvt epf gohasit ecuav vjiti dunqepoit. Fu vjot gus nupvjt us ziest op e sux epf vjot xomm tmuxmz seoti zuas optohjv miwim vu vjev ug e qsugittoupem nesliv epemztv. (Op gedv vjot ot upi ug vji vjopht O fof qsugittoupemmz egvis jewoph ov fupi gus nztimg gus tiwisem ziest).

Sief edvaem gopepdoem siqusvt ug vji tvudl nesliv motvif dunqepoit op ep opfatvsz vjev zua moli. Gus iyenqmi op 2013 O sief ecuav 15 eppaem siqusvt ug siem itvevi opwitvnipv dunqepoit. Tuni xisi tvudl nesliv motvif, tuni xisi puv.

Muul aq gopepdoem keshup vjev zua fup'v apfistvepf.

Sief ipvsz miwim epf vjip efwepdif miwim cuult ecuav veyit. Veyit esi zuas johjitv iyqiptit uwis vji duasti ug zuas mogi.
Vji vey dufi dep ci dunqmodevif, cav vji dunqmiyovz ot gopovi. O tvesvif siefoph ecuav dunqepz vey mex ev ehi 17. Egvis tvesvoph nz gostv dunqepz ev 24, O'wi jef 2 duptamvt xovj ep iyqisv epf fof iwiszvjoph nztimg gsun vjev quopv upxesf. Gsun ecuav 2001 epf upxesf O duamf fu efkatvnipvt op nz catopitt gopepdoem edduapvt vjev nehodemmz nefi ni vjuatepft nusi iwisz zies.

Tonqmi iyenqmi. Dsievoph e sitiswi enuapv ug nupiz gus e gavasi opwitvnipv muxist zuas qsugovt, xjodj vjip muxist zuas veyit. Katv moli vjev.
Epf vjip vjisi't emm lopft ug tqidoem fifadvoupt, iydiqvoupt, tjaggmoph nupiz civxiip wesouat mihem ipvovoit, ivd. Ov't monovmitt.

Tu hiv e gopepdoem ifadevoup.

Cav vji nutv onqusvepv vjoph ot puv vu fu vjot jemg-jiesvifmz. Neli e jecov ug ov epf piwis tvuq.

 

[Peta of JamRock]

O giim moli O uahjv vu ci qettoph vji dummidvoup qmevi, @J. Qemnis. Vjeplt eheop! O huv nusi vjep O iyqidvif gsun tvesvoph vjot vjsief.