How to retire in your 40s with $60,000 a year for life

Retiring in your forties means stretching a portfolio across a retirement that could run fifty years, long before any government benefits arrive, which is a genuinely different planning problem. This piece looks at a London, Ontario couple, both 44, who have built a substantial nest egg spread across many accounts and want to know whether one of them can step back to lower-paying work while drawing a steady income. The analysis weighs whether their money can sustain that spending over the long haul, how aggressively it needs to be invested, and how to simplify a portfolio that had grown into dozens of holdings. A recurring theme is that thoughtful sequencing of withdrawals across corporate, registered and non-registered money, to keep taxes down and benefits intact, can matter as much as the raw return. It's an instructive read for anyone contemplating early retirement.