{"id":38110,"date":"2020-05-30T13:38:59","date_gmt":"2020-05-30T12:38:59","guid":{"rendered":"https:\/\/ourtour.co.uk\/home\/?p=38110"},"modified":"2021-06-14T12:37:28","modified_gmt":"2021-06-14T11:37:28","slug":"financial-stress-test-early-retirement-cash-flow-in-a-pandemic","status":"publish","type":"post","link":"https:\/\/ourtour.co.uk\/home\/financial-stress-test-early-retirement-cash-flow-in-a-pandemic\/","title":{"rendered":"Financial Stress-Test: Early Retirement Cash Flow in a Pandemic"},"content":{"rendered":"\n

Julie and I left our corporate jobs over four years ago, aged 43<\/a>. This blog post takes a brief look at how we’re funding such an early retirement. It then looks at how we’ve personally coped, so far, with the money-side shock of the COVID-19 (coronavirus) pandemic.<\/p>\n\n\n\n

\"Thankful
Thankful to be back home on 18 March 2020 just after Spain and France locked down<\/figcaption><\/figure>\n\n\n\n

Disclaimer:<\/strong> we’re a couple of amateur investors with no formal financial training or qualifications. Please treat the info below as such: we’re in no position to advise you on whether\/how you should invest.<\/p>\n\n\n\n

Some Perspective<\/h2>\n\n\n\n

First up, I just want to keep what I’m about to write in perspective. Money is important in life, but life itself will always win in a one-on-one fight. Having money in the bank is little consolation if someone close to you is made seriously ill or even dies as a result of this pandemic. As I write, over 38,000 people have passed away from COVID-19 in the UK, and one website forecasts a death toll<\/a> of around 45,000 by early August (in two month’s time), when deaths in this wave *should* have almost ceased. <\/p>\n\n\n\n

Also, we’re writing from a strong initial financial position. We know there are huge numbers of people in the UK and around the world who have lost their jobs, or are negatively impacted financially in other ways by the pandemic, through no fault of their own. We know we’re very fortunate to have got ourselves into the position we are in, and we’re very grateful for what we have.<\/p>\n\n\n\n

How We Funded Early Retirement<\/h2>\n\n\n\n

Below is how we’ve funded our early retirement. You can find more info in our book The Non-Trepr<\/a>eneurs<\/a>, which describes our approach in detail, or get the bare bones from our earlier eBook called Funding Freedom, which is always free on Smashwords<\/a>, but Amazon<\/a> sometimes charge up to 99p for it:<\/p>\n\n\n\n