Mr. Money Mustache’S Simple Secret To Retiring Early In Your 30s | Bigger Pockets Video

Episode #674
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Pete Adeney, aka Mr. Money Mustache, joins BiggerPockets Money hosts Mindy Jensen and Scott Trench to break down the shockingly simple math behind early retirement. The man who started the FIRE movement and retired at 30 reveals why most people are overcomplicating financial independence—and why your savings rate is literally the only number that determines when you can quit your job.

Pete doesn't just share theory—he walks through the real strategies, investment decisions, and mindset shifts that allowed him to achieve financial freedom in his thirties. Whether you're new to FIRE or looking to optimize your current approach, this episode cuts through the noise to deliver the foundational principles that actually work.

This isn't just theory—Pete shares the actual strategies, personal anecdotes, and investment approaches that allowed him to build wealth and retire in his thirties. Learn his thoughts on managing investments, real estate opportunities, alternative assets like Bitcoin, and how to optimize your path to financial independence. Whether you're just discovering FIRE or looking to supercharge your existing strategy, this episode delivers practical, actionable advice from the movement's founding father.

00:00 The Basics of Early Retirement
01:02 The Shockingly Simple Math Behind Early Retirement
01:21 Understanding Your Savings Rate
05:41 Pre-Tax Savings and 401k Considerations
11:06 The 4% Safe Withdrawal Rate
13:09 Seven Levels of Safety in Early Retirement
28:44 The $50,000 Earner
31:51 Raising Kids on a Budget
35:17 Health Insurance in Early Retirement
41:39 Real Estate as a Retirement Strategy
46:41 Bitcoin and Speculative Investments
51:19 Connect with Mr. Money Mustache