Mini Retirements For many people the goal is to not have to work. To get to this point they work hard and save hard. But Instead of slaving away 5 or 6 days per week for 40 years to retire why not set yourself up for multiple mini retirements along the way. There is a chance you will work your arse off till 60 and then either drop dead just before or just after retirement. So enjoy yourself along the way. This may not be as difficult or expensive as you may think. Time it right for tax effectiveness. You may normally earn say $100k pa and pay $almost $27k in tax (27%) or you could just work 6 months of the year, earn $50k and pay just $8500 in tax (17%). So you are not losing half your income by working just half the year. You might go overseas and live in Thailand on $2000 per month while renting out your main residence earning $4000 per month While relaxing on the beach beside a coconut tree you could be studying on line, doing an online business or writing that book you always wanted to write. The good thing is your assets will be growing in value as well, so you are not going backwards. Do it while you are young and enjoy it. Got this idea from the “4 hour work week” book, but I have also done a few min retirements over the years too.