Retirement planning, early retirement, 7 signs you’re ready to retire, retire earlier than you think, retire in your 50s, how to retire early—here’s how to know if the numbers and lifestyle say YES. If you’re wondering “Am I actually ready to retire sooner?”, this episode walks through 7 clear signs—financial, lifestyle, and mindset—that indicate you can retire earlier than you think. We’ll cover bridging to age 59½, penalty-free access options (Rule of 55 and Substantially Equal Periodic Payments under IRS Rule 72(t)), income diversification, healthcare planning, Monte Carlo stress tests, and a low-risk way to “test-drive” retirement before you leap. What you’ll learn:• Why 59½ is a key milestone—and smart ways to bridge those years• Penalty-free access paths: Rule of 55 and 72(t) SEPPs (complex, not for everyone)• How diversified income (cash, taxable brokerage, dividends/cap gains, Roth basis) boosts flexibility• Stress-testing your plan with Monte Carlo simulations to validate your withdrawal rate• Housing decisions (right-sizing or staying put) and their impact on cash flow• Healthcare budgeting before Medicare and how to plan for premiums/out-of-pocket costs• A simple “retirement test-drive” to build confidence before you quit Free resources mentioned in this episode: 🔗Click here for my free checklist 12 Must – Do Steps to Retire Sooner and Smarter.  🔗 Click here for the free MAGI Calculator Template (Microsoft Excel download). Use it to estimate your MAGI for ACA plans. 🎧Listen to these episode titles next that I mentioned in this podcast:  How to Tap Your IRA or 401(k) Early —NO IRS PENALTY! ACA MAGI: How to Calculate & Manage It for Big Savings! 💼 My Favorite Retirement Planning Tool! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirementroadmap Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! ❤️ Depending on the platform you're listening on, please Like, Subscribe, Follow & Share, and leave a positive review if you found this episode helpful! 📺 When you're not on the go, check out my Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com) DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information.