January 19, 2026

Retiring Before 60: What It Really Takes to Make It Happen

22 minutes

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions break down what it truly takes to retire before age 60 — and why it’s more about planning and discipline than luck or extreme investing.

Jim and Casey discuss the key building blocks of early retirement, including savings rates, tax strategy, healthcare planning, income flexibility, and lifestyle design. They also address common misconceptions about retiring early, the trade-offs involved, and how to build a plan that supports long-term sustainability rather than short-term freedom.

Whether early retirement is a firm goal or simply a possibility you want to keep open, this episode provides a realistic framework to help you decide if retiring before 60 is achievable — and what steps to take next.

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Episode Breakdown

00:00 – Introduction: Why retiring before 60 appeals to so many people

01:38 – What “retiring before 60” really means

03:06 – The biggest misconceptions about early retirement

05:02 – Savings rate vs. rate of return

06:58 – Tax strategy and account positioning

08:56 – Healthcare planning before Medicare

10:48 – Income flexibility and withdrawal planning

12:42 – Lifestyle expectations and trade-offs

14:28 – How early retirement changes risk management

16:16 – Common mistakes early retirees make

18:06 – Key questions to ask if early retirement is your goal

20:01 – Final thoughts and encouragement

Disclaimer

Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

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