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Retire in chunks

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Midlife is for Living. Break the notion that you need to work till you drop. Take back your dreams and get back to what matters for both your personal and business life. Retiring in Chunks is a strategy for personal growth.

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Retire in chunks

  2. 2. We live in a world where most of us are immersed in a river gushing with responsibility, opportunity, and challenges. The good news is that by the time we hit mid-life we’ve got an idea of how it works. PHOTO TAKEN: OJCHAL COSTA RICA
  3. 3. Then why at mid-life do many experience a buzz kill that saps energy and makes dreams harder to achieve.
  4. 4. Here is a big reason. Science tells us that there is a U-curve that denotes the satisfaction people have with their lives. Unfortunately, from around ages 45 to 55, that curve tends to be at its lowest. It's probably the reason that by the time we hit middle age regret tends to creep in and muddle things. The good news is that once we take stock of midlife challenges that satisfaction curve heads back up.
  5. 5. I say rage against that curve! It’s the only reasonable option and Retiring In Chunks is a good start.
  6. 6. If tide and time wait for no one then why are you waiting? PHOTO TAKEN: MADERIA PORTUGAL
  7. 7. The idea that you stay in the box toiling away until the magic age of 65 when you suddenly get to live again is utterly insane. Life is for living with energy and determinism. PHOTO TAKEN: FINANCIAL DISTRICT TORONTO
  8. 8. Warning. Waiting for the right time to live your life is the wrong way to think about life. Things can change on a dime. In our 20s and 30s we are invincible and immortal in our 40s, 50s and beyond, we know better.
  9. 9. What is Retiring in Chunks? PHOTO TAKEN: OJCHAL COSTA RICA
  10. 10. Retirement in Chunks, It’s not a vacation it’s an immersion. 1-4 months living in a different place. It’s a way to test drive your future. It’s a way to experiment with lifestyles, places and things that your may want to do later in life. It’s a way of future-proofing yourself and discovering those things that truly engage you. PHOTO TAKEN: LISBON PORTUGAL
  11. 11. I love Retiring In Chunks as it teaches the art of Lifestyle Arbitrage. Which is buying something more engaging elsewhere for cheaper than one could buy at home. PHOTO TAKEN: LISBON PORTUGAL
  12. 12. Retiring in Chunks is playing the long game. Your goal is to seek adventures and ultimately what you really love doing.
  13. 13. It’s also the best way to avoid stress at actual retirement because your coping and adaptive abilities will be Rockstar caliber
  14. 14. Kick over that bucket list and start emptying the bucket.
  15. 15. Retiring in Chunks is about finding surprise, challenge and courage. Those things that routine dulls over time but are the spice of life. PHOTO TAKEN: SCOTTLAND
  16. 16. If the grass is greenest where you water it then Retiring In Chunks is a good way to irrigate.
  17. 17. How?
  18. 18. 1. The biggest barrier is money. Most people don’t treat money as a tool. Without paying attention to money dreams get thwarted. Without using money strategically it just disappears because money without a plan is very easy to squander.
  19. 19. 1a. Practice Fixed Income Living. Lifestyle design within your means will make your life significantly less stressful. I plan a budget of $3000.00 per month plus travel, insurance and obligations at home. This is significantly less than the cost of living in Toronto. I call this Lifestyle Arbitrage. I figure if my new lifestyle costs less and offers more then I’m on the right track. Retirement in Chunks is about discovering new possibilities within means. Be your own American Dream.
  20. 20. 2. Pick a Place We all have visions of places we want to explore. I’m sure you could make your own list in 10 minutes. Make a top 15 List and narrow it down to five. Do the online research, read a few books, learn polite language. Choose your first chunk.
  21. 21. 2b. Lot’s of Options My top 5 are: 1. Lisbon, Portugal 2. Valletta, Malta 3. Mazatlán, Mexico 4. Hanoi, Vietnam 5. Montevideo, Uruguay
  22. 22. 3. Think how to get away from the routine. To remain relevant for my work while I’m taking a chunk I invest in maintaining connections, continuity, and contribution within my business relationships, and it doesn't matter where I am to do that. If you think for a living this is easier to do than you may realize. Only you can define an appropriate work life balance. PHOTO TAKEN: TORONTO CANADA
  23. 23. 4. Book it. Do it. Live it. Plan your accommodation for the first month. Activities for the first week to get oriented then live it like a local. Meet people, discover your own line through the new place. No frenetic schedules. Retirement is choice so choose that which intrigues and excite you. PHOTO TAKEN: LISBON PORTUGAL
  24. 24. 5. Reflect & Repeat When you get home reflect on what you have learned and what you liked. If this lit you up do it as many times as you can manage. Retirement in Chunks is for many a rediscovery of self and values. It’s enough of a pause to clear the noise and rediscover your truth and get back a clarity of direction. PHOTO TAKEN: MADEIRA PORTUGAL
  25. 25. We must not cease from exploration and the end of all our exploring will be to arrive where we began and to know the place for the first time. T.S. Elliot.
  26. 26. Sure, doing this can be complicated but is it not worth a think?
  28. 28. It costs me less to live here than it does in Toronto (I’m practicing lifestyle arbitrage), and it's probably around 20° warmer. So, while I'm still creating and fostering my existing ventures, I also have another job during my Chunk Of Retirement and that job is to learn. Part of the point of taking a chunk is to sharpen the saw as Stephen Covey put it. I’m here to see new things, meet people, make connections, learn a different language but most importantly gather new ideas and insights that make me more creative. Retirement in chunks is me in R&D mode. When life is in perpetual repeat, it's harder to come across new ideas and the truth about life in the creative class is that it requires new ideas and new perspectives all of the time. Retiring in chunks is my secret weapon for both living life how I want and maintaining and growing my competitive edge. Brady Gilchrist Lisbon Portugal Mar 2018
  29. 29. Being Quasi-Retired is awesome you might like it.
  30. 30. And yes, of course I’m writing a book about this. Visit and I’ll let you know when it’s ready. Follow me on Instagram and read the long form article at Thanks so much for taking the time to read this deck! Brady PHOTO TAKEN: LISBON PORTUGAL