About Jim Tolley

JT writes about general financial topics and shares some personal experiences here on Penny Thots as well as his two other blogs, Cash Flow Mantra. When not blogging, JT works full-time and tries, along with his lovely wife, to corral a half dozen kids.


  1. AvatarCrystal says

    Best to you with your early retirement plans. I “retired” at 44 and highly recommend it. You mention being available to family as one of the other things you’d like to do. I second that! Over the past 10 years, I’ve been able to spend weeks and even months helping family and friends at various times.

    As for you statement, “…belief that their organizations cannot run without them.” Sadly, very true. A wise boss told me early in my working life that everyone is replaceable. She was right.

  2. AvatarMoneySmartGuides says

    I agree with all of your reasons for retiring early. I have a lot of things I want to do and don’t want to wait until I am 65 to do them. Who knows if I will have my health at that point in my life.

  3. Avatar[email protected] says

    I had a health scare last week – this week I have a plan for early retirement.

    I simply don’t want to not be healthy enough to enjoy the years I will be retired.

    And off the back of the plan – I have taken action