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Blackstone Audio Inc. - Work optional: retire early the non-penny-pinching way

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A practical action guide for financial independence and early retirement from the popular Our Next Life blogger. In todays work culture, were expected to hustle around the clock. But what if you could escape the traditional path and get on one that doesnt require working full-time until age 65? What if you could wake up every day without an alarm clock and do the things you love most? Tanja Hester and her husband Mark left their crazed careerist lifestyle to live their dream life in Lake Tahoe, retiring early from high-stress careers. Now Tanja will help you map out a customized plan for freedom and make it easy to succeed, whether youre good at math and budgeting-or not! Work Optional is more than just a financial plan: its a plan for your whole life-designed by you, not by an employer or clients. Tanja walks you through envisioning your dream life, accounting for variables such as health care and children, protecting yourself from recessions and future unknowns, and achieving a purpose-filled early retirement, semi-retirement, or career intermission with completely doable, non-penny-pinching steps. You can live a happier, more meaningful life, free from the daily grind. Work Optional will get you there.

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Copyright 2019 by Tanja Hester

Cover design by Carlos Esparza

Cover copyright 2019 by Hachette Book Group, Inc.

Hachette Book Group supports the right to free expression and the value of copyright. The purpose of copyright is to encourage writers and artists to produce the creative works that enrich our culture.

The scanning, uploading, and distribution of this book without permission is a theft of the authors intellectual property. If you would like permission to use material from the book (other than for review purposes), please contact permissions@hbgusa.com. Thank you for your support of the authors rights.

Hachette Books

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First Edition: February 2019

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LCCN: 2018960527

ISBNs: 978-0-316-45089-8 (trade paperback), 978-0-316-45087-4 (ebook)

E3-20190129-JV-NF-ORI

Hesters story is relatable, refreshing, and a pleasure to read. All too often we chase external measures of success without thinking about what we truly want from life. In Work Optional, Hester gives us a road map for a less-traveled path: living a more purpose-driven life through financial independence.

Kristin Wong, author of Get Money: Live the Life You Want, Not Just the Life You Can Afford

Tanja Hester and her partner achieved early financial independence, and in these pages she takes you on her journey. Learn why so many are firing their bosses and searching for meaning and purpose beyond cubicles and 24/7 jobs.

Vicki Robin, New York Times bestselling coauthor of Your Money or Your Life

This isnt just a book about how to retire early. Its a book that proves its possible to be mindful with your spending and create a life that aligns with your values and passionsand that work can play whatever role you want it to.

Cait Flanders, bestselling author of The Year of Less

Inspirational, grounded, and thought-provoking, Work Optional cracks open preconceived ideas of what it means to work and what it means to live a fulfilling, purpose-driven life. Go on this adventure to learn not only the practical steps of early retirement, but more importantly, to discern what you truly want out of life. With Hester as your guide you just might find yourself living a life you never imagined possible.

Elizabeth Willard Thames, author of Meet the Frugalwoods: Achieving Financial Independence Through Simple Living

Hester is equal parts analytical and encouraging in Work Optional, which helps the reader tear down any misconceptions about what it means to create a life on your terms. This will undoubtedly be a defining handbook for those looking to diverge from societys expectations of a traditional career path.

Erin Lowry, author of Broke Millennial Takes on Investing

Work Optional outlines a realistic yet awe-inspiring path to a life where work is optional. There are plenty of books out there about how to save money and build wealth, but if you want to weave financial excellence into a life full of adventure, contribution, and meaningthis is the book for you.

Chad Carson, author of Retire Early with Real Estate: How Smart Investing Can Help You Escape the 9-5 Grind and Do More of What Matters

Financial independence and early retirement are truly the ultimate life hacks, and in the page-turning book Work Optional, Tanja Hester lays out a concrete path to both define your future and also help you get there. This newfound freedom gives you the space to focus on what you want out of life: your projects, passions, community, and, ultimately, happiness.

Brad Barrett, cohost of the ChooseFI podcast

Financially independent with a bulletproof plan, Tanja gets to the heart of what actually matters in moving forward on your financial journey in Work Optional without resorting to the extremes sometimes found in other books on the subject. This well-researched book gives you a definitive action plan for creating a life-changing financial position in a two-phased retirement plan that is both realistic and motivating. Tips and tactics aboundone area that stuck out to me in particular was her discussion about healthcare options for those seeking early retirementa huge area overlooked by many many seeking to make work optional or pursue nontraditional work.

Scott Trench, author of Set for Life: Dominate Life, Money, and the American Dream

This book is presented solely for educational and entertainment purposes. The author and publisher are not offering it as legal, financial, accounting, health, or other professional services advice. While best efforts have been used in preparing this book, the author and publisher make no representations or warranties of any kind and assume no liabilities of any kind with respect to the accuracy or completeness of the contents. Neither the author nor the publisher shall be held liable or responsible to any person or entity with respect to any loss or incidental or consequential damages caused, or alleged to have been caused, directly or indirectly, by the information contained herein. No warranty may be created or extended by sales representatives or written sales materials. Every persons situation is different and the advice and strategies contained herein may not be suitable for your situation. You should seek the services of a licensed tax professional, certified financial planner, or tax attorney for counsel on your situation. As with all investments, past performance is no guarantee of future results. Please consult your physician before beginning a new diet or exercise regimen.

What you can become is the miracle you were born to be through the work that you do.

K URT V ONNEGUT

But what that work is, and how much of it you do, is up to you.

T ANJA H ESTER

Its eight p.m. on a Friday, and Im asleep on the couch. Again. My husband, Mark, is asleep beside me. Again. This has become our pattern: work too much and sleep too little all week, and then collapse into the weekend, too exhausted to get through even a single 30-minute TV show. Around one a.m. Ill wake up, wake up Mark, and then trudge off to bed, and somewhere in those few dozen steps, Ill wonder, Is this really what Ive worked so hard for? Is this what success feels like?

Work today is a far cry from work of the not-so-distant past. In the seemingly endless race to boost productivity and profits, companies expect their employees to work more and more hours for less and less pay, and to be connected even when were not working. Entrepreneurs and freelancers are told they need to hustle around the clock to be successful. Sometimes it all feels just as pointless as collecting virtual coins in a video game as we chase new jobs, promotions, or opportunities that may or may not actually help us get ahead or make us happier, all the while drowning in never-ending email loops and power dynamics. We work for that paycheck, live for the weekend, and spend our money trying to soothe the stress of it all.

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