How To Get To Your Retirement Number Faster

September 7th, 2018
41

I was driving up to Northern MI recently for a nice vacation with family, and like any long road trip, before I left, I turned on my GPS on my iPhone to see how many hours it would take to get there.

There’s an initial excitement to get on the road, looking forward to how enjoyable your upcoming vacation will be.

However, once you hit the highway, road trips can become long, boring drives. The wife is sleeping, the kids demand you play their favorite CD, and the endless billboards fail to provide any entertainment.

You can’t wait for the drive to be over, and you want to get to your destination as quickly as you possibly can.

Are we there yet?

You might be tempted to drive a little bit faster, but one well-placed police car can set you back a half-hour and $150 in fines (plus the safe driving course you’ll need to take to wipe those points off your record).

Even if you’re able to go 5 mph faster than usual, you still probably won’t get to your destination significantly faster.

That’s because I’ve found that the biggest determinant in how long a road trip takes is not how fast you drive (it’s hard to drive much faster than normal for a long period of time), but rather how many breaks you take and how long those breaks are.

Rest Areas = Lost Time

I know people who can drive 8 hours or more in a car without stopping. I am not one of those people. I used to stop every hour on a long road trip for a quick stretch break. Most people who don’t stop that frequently are still going to want to stop every four hours or so to get lunch or dinner.

I feel like I always underestimate how long my rest stop breaks will be. A quick bathroom break can turn into changing your child’s diaper, waiting in line at the food court, enjoying your meal, shopping at the gift store, etc. A 15-minute break can quickly turn into an hour. There’s no way you can make up that time when you’re actually driving.

I’m convinced that the length of your breaks, not how fast you are driving, dictates how long it will take to get to your destination.

Investing As One Long Road Trip

What does this have to do with investing?

I see investing as one long road trip. Accumulating retirement dollars is just like driving for miles on the open road. Everyone wants to get to their destination as soon as possible, whether it is to their dream vacation destination or their retirement number.

The speed at which you accumulate investment dollars is your investment return.

Your rest stop breaks are the times when your money is sitting on the sidelines, out of the market.

You can’t significantly control your investment return, and trying to super-charge your investment returns is very difficult and often counter-productive. You have to just accept your speed and not let the extra weight of fees in your investment car slow you down.

But the biggest drag when trying to reach your final destination as quickly as possible is the breaks you take in investing.

Why People Take Investing Breaks

Investors choose to periodically be out of the market for various reasons.

  1. They may think that the stock market is overvalued.
  2. They may want to keep their powder dry for better opportunities.
  3. They may be lazy to reinvest their dividends as quickly as possible.
  4. They may let their paychecks accumulate in their checking accounts for months before investing it.
  5. They may choose to dollar cost average over time instead of lump sum investing a windfall.

Regardless of the reason, letting your money take a rest stop slows you down on the road to retirement. Any time money is spent on the sidelines instead of working for you in the market is a lost opportunity.

Quantifying The Lost Opportunities

Sure, the stock market may drop while you have cash on the sidelines, but it can just as easily go up. The long-term trend in the stock market is up, and it is very difficult to predict when the stock market will rise and when it will fall.

As much as people try to glean patterns from randomness, the stock market moves essentially as a random walk. Therefore, how much you, on average, will lose waiting on the sidelines is directly proportional to the time spent out of the market.

If the stock market is expected to rise 8% per year, then spending 3 months out of the market means your expected return will go down by roughly 2%. Spend 6 months out of the market, and it is roughly 4%. You can precisely quantify, on average, how much you’re losing when you leave cash on the sidelines.

Conclusion

If you want to reach your retirement goals as soon as possible, you need to keep your pedal on the gas at all times. It’s hard to take long breaks out of the market and expect to get to your financial destination on time. Minimize the time you spend with unnecessary cash on the sidelines. Don’t try to go faster than the market speed limit by picking stocks or timing the market. Take what the market gives you through index funds, and you may get to your retirement destination faster than you might imagine.

What do you think? Were you able to complete your most recent long road trip in the time listed by Google Maps or Apple Maps? How often do you take rest area breaks on road trips? How critical is “time in the market” on investment success?

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41 COMMENTS

  1. If the trip is less than four hours we just don’t stop. Potty break before we leave. Then we push on through. If it’s longer than that, then we will take a break.

    The way my wife and I deal with long trips is by putting a movie on, fading the audio in the Swagger Wagon (i.e. minivan) to the front and put on a podcast. Makes the hours fly by.

    Similarly, we just put our money into the market every month with our set plan and then get distracted by the busy life we love to live. This prevents us from taking breaks in the market.

    Good analogy, WSP.

    TPP

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  3. Especially as you get to late 50s, early 60s, “cash” is part of my investment plan. By having a couple years worth of cash/cash equivalents (T-bills), it allows me flexibility…in that I don’t *have* to sell while stocks are down.

    I highly value the FIRE blogs/community, and wish there were more bloggers who wrote for the early 60s crowd…who have been “moderately successful”. There’s stuff for the “oh, I forgot to save”, and stuff for the “oh, I am a decamillionnaire….” But not a lot for those of us in between.

    WSP, great blog, and I’ve gained lots of useful info from it. This is a good post/point…..the old “timing the market” isn’t as critical as “time in the market”. (I hope I’ve finally broken myself of believing that someone can figure out when the Bear is coming. I’ve ‘predicted’ (worried) about it coming since 2014. Had I left the market I would have missed out on significant gains.

  4. Because of my locum tenens work, my wife and I recently completed several cross-country trips in our modest GMC Terrain. A couple of years ago we purchased a cooler made by Igloo that plugs into the 12 volt socket in the back. My wife prepares our favorite meals and snacks. We’ve also got foldable beach chairs. We stop whenever and wherever we feel like at a rest area or by the side of the road, pull out the cooler, stroll around, and take a break (no waiting in lines, no gift shops). It’s relaxing. At night, the cooler comes into the hotel with us and plugs into the wall. We stay at “suites” hotels that all have microwaves. No need to waste time to find a restaurant!

    I’ve also discovered that there are TV programs from Netflix I can play through the car radio from my phone that I can follow pretty well without the images. Helps pass the time!

    As for investing, I reluctantly agree. As much as I’m concerned about losing savings in the market, the market does tend to go up over time, so that’s the best long-term play…

  5. My last road trip was with my Tesla to Disney. Because of the supercharger breaks (typically 30-45 min needed every 4 hours or so of driving it forced us to take breaks, which honestly were needed. It’s hard to be in a car, even an autopilot one (which really did make the road trip so much more enjoyable on those long tedious stretches of road) for that long.

    I think rest stops are great for road trips, probably not as great or needed for investing.

  7. In perfect agreement planedoc! There is a deadspot in financial blogging – as you described well, for ‘moderately successful early 60’ers’. I personally have recently retired as a DDS (at age 60, 2.5 yrs ago), and my MD wife will work 2 more years, so I have all of this great time to analyze our retirement phase: DIY investments, especially building diversified passive income streams w/ CRE, tax planning, Roth conversion window years before SS and mandatory rmds (e.g., should we go up to the top of the 24% bracket – me thinks yes as I feel tax brackets after 2018 will have to jump w Congress not touching the 3rd rail of medicare, SS!); will amt still factor in at all; nti tax; more on estate planning. There is though, a good amount of info on withdrawal rate methodology.

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  33. My name is Bartek James, I had the unfortunate experience of losing $137,000 of Bitcoin due to a scam. I was devastated and thought I would never see my funds again. That’s when I decided to reach out to Evil Hackers Recovery Company , and I am so grateful that I did. Their professionalism and expertise in recovering lost cryptocurrency funds were truly impressive. From the moment I contacted them, they provided excellent customer service and guided me through the entire recovery process. Their advanced tools and techniques gave me hope that my funds could be recovered. And sure enough, they delivered beyond my expectations. I was able to retrieve my lost Bitcoin, and words cannot express my relief and gratitude. I highly recommend Evil Hackers Recovery Company to anyone who has lost their cryptocurrency. Contact Evil Hackers company for the same problem on email address: recoveryevilhackers@ gmail.com

  34. BITCOIN RECOVERY IS VERY MUCH REAL, AM A LIVING TESTIMONY!!!! 2024

    I’m one of those few people who invested in the cryptocurrency market and was hoping to make enough profits after my retirement. Unfortunately, I had invested in a platform that was out to steal from me, I lost around $275,000 to this platform excluding the promised profits. I had lost every penny I invested into it including the money I had to borrow from friends. I thought it was all over until I came across a Cryptocurrency recovery expert, ETHICSREFINANCE SERVICE, who helped me recover my money from these fake investors. It took ETHICSREFINANCE 48 hours to recover my money and I was able to track down these people. I’m truly grateful for their service and I highly recommend them to anyone with the same problem.

    Email Address: ethicsrefinance@gmail.com
    TELEGRAM: @ethicsrefinance

  35. I do think that those who give out reviews should consider leaving behind a relevant link that others can easily use to seek their crypto/funds recovery service. I did pick a couple of hackers’ links, websites and emails but most were just failing. for a long time. It is only okay to give truthful information. I am reviewing The Exner Hacker, the guy behind the recovery of my $20,000, in BTC. Thank you man for your services. the fact that you don’t demand payment before service is a plus. Your fast results were all that I had been looking for. if you would like your crypto or funds back, what about you reach THE EXNER HACKER by email and see how you like them: TheeTheexnerhacker@protonmail.com

  36. I’m Cecilia from the USA, and a few weeks ago, I fell for a scam involving a phony cryptocurrency investment scheme. I was scammed by a woman who had gained access to a close friend’s Facebook account. I lost almost $16,500,000 in money. I initially felt it was a great investment since I made a lot of Profit out of it at first but then I was scammed into becoming a VIP member, and I started investing a lot of money without receiving my money back or having my interest taken out. It took me a very long time to find Redeemed Hacker Pro, Hacking and Digital Assets Recovery Agency, which I engaged in. With their help, I was able to withdraw all of my profits and investment from the scam investment platform. I will always be grateful to Redeemed Hacker Pro for helping me to withdraw my money and regaining my piece of mind. contact them via their hotline now: website: http://www.redeemedhackerpro.com or redeemedhackerpro.wixsite.com/redeem-hacker-pro.

  37. ARE YOU A VICTIM OF INVESTMENT OR NFT SCAM? DO YOU WANT TO INVESTIGATE A CHEATING SPOUSE? DO YOU DESIRE CREDIT REPAIR (ALL BUREAUS)? SCHEDULE A MEETING WITH AN ETHICAL HACKER ASAP TO GET STARTED.

    Let us show you the art of Ethical Hacking….!

    EMERALD HACKS is a financial regulator, PRIVATE investigation and funds recovery body. We specialize in cases as regards ETHICAL HACKING, CRYPTOCURRENCY, FAKE INVESTMENT SCHEMES and RECOVERY SCAM. We are also experts in CREDIT REPAIR, we analyze what’s impacting your score.
    All software tools needed to execute RECOVERIES from start to finish are available in stock.
    Kindly NOTE that the available tools does NOT apply to CREDIT FIX.

    Be ALERT to FALSE reviews and testimonies on the internet, the authors and perpetrators unite to form a syndicate.

    Contact our team as soon as you can via the email address below to book a mail meeting with an ethical hacker.
    emeraldhacks(.)org@gmail(.)com

    Stay Safe out there!!!!

  38. i have been conned into investing in a wrong platorm , i didn’t know until i have invested my life savings on this crypto platform and when its time to withdraw my money they kept asking for more .. i went through several channels until i found Hacknetcyberprofessor10 (@) Gmail com . i reached out to him and he assured me of the method to get my investment back . i was skeptical at first , but I got confident when he explained the process to me , I decided to try , to my greatest surprise , this expert recovered my USDT from this scam website and sent them to a new wallet. I couldn’t believe my eyes when I received the alert . I’m forever grateful to you Manav. if you ever been in such situation pls don’t hesitate to reach out to Hacknetcyberprofessor10 @ Gmail for the best crypto recovery . you’ll be glad you did.

  39. BE SMART AND BECOME RICH IN LESS THAN 3DAYS….It all depends on how fast 
    you can be to get the new PROGRAMMED blank ATM card that is capable of
    hacking into any ATM machine,anywhere in the world. I got to know about 
    this BLANK ATM CARD when I was searching for job online about a month 
    ago..It has really changed my life for good and now I can say I’m rich and 
    I can never be poor again. The least money I get in a day with it is about 
    $50,000.(fifty thousand USD) Every now and then I keeping pumping money 
    into my account. Though is illegal,there is no risk of being caught 
    ,because it has been programmed in such a way that it is not traceable,it 
    also has a technique that makes it impossible for the CCTVs to detect 
    you..For details on how to get yours today, email the hackers on : (
    atmmachinehackers1@gmail.com < Tell your 
    loved once too, and start to live large. That's the simple testimony of how 
    my life changed for good…Love you all .

  40. At Facebook, I connected with a crypto investment group called Capitalix fx. Every year the group manager would select their top 30 most active investors getting well engaged in the trading activities in the group and reward them accordingly through a variety of trading packages including a multi-investors package where you can invest together with a certain group to unlock a 500% profit return. Selected Investors would quickly top up their portfolio balance and alert the VPs of their group who will in turn confirm their buy-in, then we’re supposed to await the trading period of 2weeks before receiving our returns. Last year, I was among the 30 selected investors even though I was still in my first 6 months, I was quite surprised but I then It felt like an opportunity to amass more profits from the company, so I quickly gathered as much funds as I could and deposited into my account as per the companies terms and conditions. One week in and the company website shut down, i tried speaking with the group admin but she wouldn’t respond to any of my messages and she went on to remove me when i threatened to report her account. I resorted to hiring a hacking recovery company in a last ditch attempt to save my family, I had lost everything and we were now feeding from hand to mouth. As luck would have it, I came to know about a reputable and trustworthy recovery company SWIFT RECOVERY FIRM through a twitter post which quickly prompted me to get in touch with the team using one of their contacts info that I had copied from the post Email: swiftrecoveryservice006 @gmail.com It didn’t take long before their team responded to me and they accepted to take on my case after reviewing everything, within 48 hours the team anonymously extracted back my funds from the scammers back into my wallet, they’re my knight in shining armor and I strongly recommend them to everyone else out there. You can also reach them on WhatsApp on +1 786 684 0501

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