The investment strategy for Financial Independence Retirement Early | ft. Ritesh Sabharwal

Financial Independence, Retire Early (FIRE) is a popular goal, but is it truly achievable for everyone? While early retirement sounds appealing, the journey to financial independence is often misunderstood, and life after FIRE can come with its own set of challenges. In this episode of Temperament, we dive deep into the reality of the FIRE movement with Certified Financial Planner Ritesh Sabharwal, who brings over 16 years of experience guiding professionals toward smart financial decisions.Discover how to calculate your FIRE number, the best investment strategies to reach financial independence, and the emotional and psychological hurdles of retiring early. Don’t just dream about FIRE—learn how to make it a sustainable reality.Timestamps:0:00 - Introduction1:30 - How much money do you need for retiring early? 4:11 - Calculations for retirement5:32 - Should retirement planning extend to the age of 90-95 with rising life expectancy?6:02 - Investment portfolio for a 25-year-old8:20 - Accumulation phase vs. withdrawal phase8:43 - What is a risk profile?9:42 - Ritesh's advice on retirement planning10:55 - What is step-up investment?12:33 - How to manage your corpus post-retirement16:38 - Why doesn't Ritesh want to retire early?18:05 - Does saving for retirement instead of taking holidays cause mental stress?19:18 - Retirement for self-employed individuals22:02 - Recession and downturns29:53 - Questions to consider before starting your FIRE journeyDisclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest social Media:LinkedIn: / riteshsabharwal Instagram: / simplifywithritesh Twitter : https://x.com/riteshsabharwalTo Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official