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When you think of shopping at Walmart, picking up groceries and househould essentials may come to mind. But from wedding receptions to Pioneer Woman cookware, here are seven things you likely didn’t know you could buy at this Arkansas-born chain.

1. Cookware from Ree Drummond

Looking to get your Pioneer Woman fix in your own kitchen? Head to Walmart for Drummond’s line of incredible cookware (along with a great home collection). A new must-have: The Pioneer Woman’s recently-launched InstantPots.

2. Mattresses

Did you know Walmart has amazing deals on mattresses, including ones from the fan-favorite Allswell brand? Save money and get ready for your best sleep ever, and enjoy free shipping or free pickup available on a variety of options.

3. Wine

Walmart launched Winemakers Selection in 2018, a collection of 10 fine brands of vino sourced from reputable wine regions in France, Italy, and the U.S.. Each bottle ranges from $10-$16, something we can definitely raise a glass to.

WATCH: What Items Do People in Your State Love Buying the Most from Walmart?

4. Weddings

If you’re planning a wedding, Walmart has you covered from engagement rings and invitations to weding cake and decor pieces. P.S. For amazing, affordable floral arrangements, consider their sister brand, Sam’s Club.

5. Premium Fashion

Through a partnership with Lord & Taylor, treat yourself to luxe fashion for less with brands including H Halston and Nine West. TV star Ellen DeGeneres also recently debuted her fashion brand, EV1, with the mega-store.

6. Trendy Furniture

Whether you’re going for farmhouse or modern, colorful or neutrals, Walmart has something for everyone. Check out their surprisingly robust online collection of furniture here.

7. Smart-Enabled Technology

Update your home with the latest in gear ranging from safety products to watches. Now, if you’ll excuse us, we’ve got some shopping to do, folks.

This article originally appeared on Southernliving.com

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With a new slew of perks, pay, and benefits to lure workers, retailers across the country are pulling out all the stops to lure temporary employees ahead of the busy holiday season.

But not America’s largest private employer.

For the second year in a row, Walmart won’t be hiring tens of thousands of seasonal employees to provide extra support during the holidays. Instead, Walmart is forgoing the long-standing practice in favor of giving it’s full- and part-time employees more hours and opportunities to earn extra cash.

The idea, Walmart says, is to fulfill the wishes of many of its employees. More hours mean more pay, and more pay means more financial security. “Many associates are interested in working extra hours during the holidays,” a Walmart representative told MONEY in a statement.

The shift in focus, not so incidentally, comes amid a seriously tight labor market. Job openings outnumber the number of people looking for them, and unemployment is the lowest it has been in decades.

“Walmart is having a heck of a time just getting ordinary employees. That’s unusual. Usually, they have an abundance of applicants,” says Richard Vedder, a professor of economics emeritus at Ohio University who wrote the 2006 book “The Wal-Mart Revolution: How Big-Box Stores Benefit Consumers, Workers, and the Economy.”

Vedder adds that he believes Walmart made the decision to “score some goodwill and increase retention of regular employees” by offering “a fringe benefit for them.”

More hours are certainly something Walmart employees have been asking for, especially its part-time workforce. “Anything that is going to give folks more hours is always a good thing,” says Dan Schlademan, co-director for Organization United for Respect (OUR), a union that represents Walmart employees.

That’s because some of Walmart’s 1.5 million employees have felt stuck with part-time hours in recent years, according to OUR. In 2005, about 20% of Walmart associates were part-time employees. Now, 50% of employees are part-time, according to May 2018 research from the labor union. That change, the union believes, followed a 2005 internal memo that proposed the use of more part-time employees as “a major cost-cutting opportunity,” according to the research.

“They’re only [ending seasonal hiring] because this massive part-time workforce they’ve created is hungry for more hours,” Schlademan says. “It’s a sign that our largest private employer in the U.S. isn’t creating the kind of jobs that people can really rely on.”

Working part-time has been particularly difficult for Madeline Chambers, an associate in North Carolina who has worked to bring her and her two children out of homelessness. “I always wanted to be full-time,” Chambers, who has worked at Walmart for two years, says. “But there’s always an excuse.”

Chambers says she hasn’t yet been made aware of opportunities for extra shifts or hours during this holiday season, but she says she would take advantage of them. Chambers says she and her children live in government-funded housing where her kids “aren’t comfortable.” She wants to be able to move into her own home soon, so earning extra cash is crucial.

Walmart will make extra hours and shifts available to employees as the holidays draw closer, a representative for the company clarified to MONEY. Then, employees will earn their hourly pay — about $11 per hour for most employees earning the company’s minimum wage — and earn time-and-a-half if they hit their overtime hours for their current role. Open hours and shifts will depend on the location, and some stores will still hire some seasonal employees to help manage the busiest time of the year.

But what Walmart union members and employees seem to want most for the holidays is a higher hourly wage. Long a leader in the retail space, Walmart has introduced a few minimum wage increases over the years — which, in turn, spurred similar pay hikes at its competitors.

The company perhaps faces its biggest test now that Amazon announced it would bump up its minimum wage to $15 an hour for employees starting Nov. 1. While the announcement came with a few important caveats — some Amazon employees will no longer be able to opt into stock options and will lose an incentive bonus program — it did put pressure on other retailers, like Walmart, to increase pay and benefits for its own employees.

“We consistently review where we stand, taking into account many factors, and we will continue to do so,” Walmart said in a statement to a number of media outlets following news of Amazon’s wage hikes.

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Alert: There’s an awesome Starbucks deal today that’ll let you snag a free pumpkin spice latte.

Starbucks happy hour deals pop up periodically on the calendar, and the special today is extra sweet: Starting at 3 p.m. on Friday, October 19, Starbucks has buy one, get one free espresso drinks — the beverage category that includes the fall favorite pumpkin spice latte.

To get your free Starbucks pumpkin spice latte, you must be a member of the Starbucks Rewards loyalty program, or be registered to receive Starbucks deals via email. Starbucks Rewards members should already have today’s buy one, get one free espresso deal loaded to their accounts. Or today’s Starbuck happy hour deal will arrive via email after you sign up to receive special offers from the coffee chain.

The Starbucks happy hour deal today lasts far longer than a single hour, mind you. Customers can get free pumpkin spice lattes at Starbucks locations from 3 p.m. all the way until store closing.

You can also mix and match different styles and flavors of Starbucks espresso drinks with today’s buy one, get one free happy hour deal. Bring a friend, and enjoy what amounts to half-price Starbucks pumpkin lattes, salted caramel mochas, latte macchiatos, and other espresso drinks.

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The results are in: Three children give moms more stress than other numbers of kids.

A study conducted in 2013 has resurfaced with some insight into the stresses of raising kids. After surveying 7,164 moms in the United States, Today concluded that moms of three are more stressed out than moms of one, two, four or more children.

Psychiatrist Dr. Janet Taylor explained to Today why moms start to relax after they give birth to their fourth. She commented, “There’s just not enough space in your head for perfectionism when you get to four or more kids.”

“The more children you have, the more confident you become in your parenting abilities,” Taylor continued. “You have to let go … and then you’re just thankful when they all get to school on time.”

Want all the latest pregnancy and birth announcements, plus celebrity mom blogs? Click here to get those and more in the PEOPLE Parents newsletter.

RELATED: Meet the People Parents Squad! Celebrity Moms and Dads Share the Best Parenting Advice They Ever Got

Scary Mommy founder Jill Smokler told Today in 2013 that she experienced the telltale spike in stress when she welcomed her third child.

“Going from one to two was an easy, breezy transition,” Smokler recalled. “Two to three, everything was turned upside down.”

She added, “I did not feel like I had it together … just crossing the street and not being able to physically hold all their hands I found tremendously stressful.”

On average, moms responded to the survey admitting that their stress level was at eight and a half on a scale of one to 10. Of the responders, 46 percent said that their partners stressed them out more than their children did.

Furthermore, 60 percent stressed more about their girls than their boys and 60 percent said that they stressed the most about running out of hours in the day.

This article originally appeared on People.com

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You’re running out of time to score cheap airplane tickets for the holidays.

Even though the festivities may feel far away, it pays to think in advance. Booking today—Friday, October 12—can score travelers an average of 25% off the peak booking price, according to data from travel booking app Hipmunk. As of the week of Oct. 8, the cost of the average flight during the holiday weekend is around $357.

According to historical data, median prices peak the week of November 18 at $476 and then stay high (around $450) until Christmas.

Another tip to be mindful of while you’re booking: Try not to fly out on December 21, the Friday before Christmas. You may get more time over the weekend with your family, but according to Hipmunk, this is the most expensive day to fly.

If you really want to save money (and don’t mind spending some of your holiday 30,000 feet in the air), try flying on the actual date, while everyone else is celebrating: Ticket prices on Christmas Day are 20% cheaper than the peak travel prices.

If you’re not ready to buy holiday tickets today, Hipmunk has a few more tricks to save money during the busy season. If you’re traveling solo and don’t need to bring a carry-on bag, booking a basic economy flight can save you 14% off the peak Christmas weekend ticket price.

Destination matters, too. Avoiding a major airport hub by flying into a smaller, local airport can save 17% off the peak price.

Whatever you decide, move quickly. Today’s the last day to get the biggest savings possible.

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The all-time highest Mega Millions jackpot is now even bigger.

This week’s Tuesday Mega Millions drawing had an estimated jackpot of $667 million, which would have been the game’s biggest grand prize in history. But no one picked the six winning Mega Millions numbers correctly, so the jackpot rolled over and soared even higher.

The jackpot hit a whopping $868 million on Wednesday, and the prize tempted so many people to buy Mega Millions tickets that the jackpot was increased yet again. As of Thursday afternoon, the Mega Millions jackpot stood at just under $1 billion — $970 million, to be precise.

BREAKING: The #MegaMillions jackpot has increased to $970 MILLION for Friday's draw!

👉 More at https://t.co/3FBNFVBCme pic.twitter.com/40N7bD5TRF

— Mega Millions (@MegaMillionsUS) October 18, 2018

While this insane total is easily enough to make it the highest Mega Millions jackpot ever, it would not be the biggest lottery grand prize in U.S. history. In early 2016, Powerball had a $1.6 billion grand prize, and that still stands as the highest lottery jackpot ever in the U.S.

When Are the Mega Millions Winning Numbers Drawn?

Mega Millions drawings take place every Tuesday and Friday. The next Mega Millions drawing is Friday, October 19, at 11 p.m. ET.

If you want to find out if you picked some or all of the Mega Millions winning numbers this week, go to megamillions.com or lottery.net after the drawing.

And if you want to buy Mega Millions tickets in time for a chance to win the nearly $1 billion jackpot, take note that tickets are sold in 44 states, plus Washington, D.C., and the U.S. Virgin Islands. Also, don’t wait until the very last second: The cutoff for Mega Millions ticket sales varies by location, and in some states the last chance to buy tickets is more than an hour before the drawing.

The Maine lottery, for example, has a Mega Millions deadline of 9:50 p.m. ET on the day of each drawing. In Indiana, on the other hand, the cutoff for buying Mega Millions tickets is 10:44 p.m. ET. Check your state lottery’s cutoff time for Mega Millions ticket sales if you want a chance at the jackpot.

Mega Millions tickets cost $2 and up, and there are nine different ways to win cash prizes that range from $2 all the way up to the jackpot. The odds of winning the Mega Millions jackpot are 1 in 302 million.

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It’s a Thursday in October, and football fans know that means another “Thursday Night Football” game is on the schedule. Tonight’s NFL game is the Denver Broncos vs. Arizona Cardinals.

“Thursday Night Football” kickoff time is 8:20 p.m. ET, and fans who want to watch the game on TV or live stream the Broncos vs. Cardinals for free have multiple options tonight — including watching online with Amazon Prime.

The game is being played at State Farm Stadium in Phoenix, but the home team Cardinals, who have a lowly 1-5 record this season, are the underdogs. The Broncos vs. Cardinals betting odds indicate that the Broncos, with a record of 2-4, are 2-point favorites to win tonight.

Week 7 gets started in the desert TONIGHT!🏜

🏈 @Broncos vs. @AZCardinals
📍 State Farm Stadium
⏰ 8PM ET
📺 @nflnetwork | @NFLonFOX | @PrimeVideo #TNF | #DENvsAZ pic.twitter.com/b4LdHCgyKs

— NFL Network (@nflnetwork) October 18, 2018

Here are all the ways you can watch the Broncos vs. Cardinals “Thursday Night Football” game for free.

What Channel Is the Broncos vs. Cardinals Game On Tonight?

Tonight’s game, like most “Thursday Night Football” matchups, is being broadcast on both Fox and the NFL Network. The easiest way to watch the Broncos vs. Cardinals game for free is tuning in to your local Fox station.

IT'S GAMEDAYYYYYYYYYYYY!#BeatTheCardinals | #TNF pic.twitter.com/DzEq6tuSbh

— Denver Broncos (@Broncos) October 18, 2018

If you have a basic satellite or cable TV subscription, the package probably includes broadcast networks like Fox and NBC.

If you don’t have cable, you should still be able to watch “Thursday Night Football” for free with a digital antenna. You can buy one for about $25, and in most of the country once it’s connected to your TV it will provide free, unlimited viewing of over-the-air networks, including Fox, CBS, PBS, and ABC.

How to Live Stream the Broncos vs. Cardinals for Free

In addition to traditional TV viewing, there are plenty of ways to watch “Thursday Night Football” online for free. As we’ve previously reported, fans can live stream many NFL games — including “Thursday Night Football” — for free on their phones by way of new features on two mobile apps:

After downloading the latest versions of either the Yahoo Sports app or the NFL App, you’ll be able to live stream a host of games on your phone. Specifically, the Yahoo Sports app and NFL App let fans live stream games that are being broadcast locally in their region by networks like CBS and Fox, as well as all nationally broadcast primetime games. That includes “Sunday Night Football” on NBC, “Monday Night Football” on ESPN, and “Thursday Night Football” on the NFL Network and Fox.

Prime time players rise to the occasion under the lights.#DENvsAZ airs on @NFLNetwork tonight at 5:20.

Listen on @AZSports. pic.twitter.com/7UTm7tl410

— Arizona Cardinals (@AZCardinals) October 18, 2018

Bear in mind, though, that these apps only allow live streaming on phones. They cannot be used to live stream NFL games on a larger screen, like a tablet or connected TV.

How to Watch “Thursday Night Football” Online on Any Screen You Want

Amazon Prime members can live stream the Broncos vs. Cardinals game for free tonight on any screen they want, including a laptop, tablet, or TV.

Heading into the 2018 season, Amazon cut a deal with the NFL giving it the right to stream 11 “Thursday Night Football” games on Amazon Prime. Tonight’s Broncos vs. Cardinals game is one of the matchups you can stream on Amazon Video — assuming you’re a Prime member.

Are you ready for #DENvsAZ? 🏈 Watch the #Broncos take on the #AZCardinals LIVE in this week's #TNF matchup. Available on @PrimeVideo | @nflnetwork | @NFLonFOX pic.twitter.com/dHm41RMxoC

— Amazon Prime Video (@PrimeVideo) October 18, 2018

Amazon Prime subscriptions generally cost $119 per year or $12.99 per month, and there are 30-day free trial periods for new subscribers. In addition to access to Amazon Video content, Prime subscribers get free two-day shipping on most Amazon purchases and unlimited streaming of certain music content.

Yet another way to watch NFL games online, including tonight’s Broncos vs. Cardinals game on “Thursday Night Football,” is via a streaming TV service such as Fubo TV, Hulu Live, DirecTV Now, PlayStation Vue, or YouTube TV.

These live streaming services include dozens of pay channels in their packages, and in most of the country they also come with access to local broadcasts of channels like Fox and CBS. Subscriptions for these services start at roughly $40 to $45 per month, but you can use them to live stream “Thursday Night Football” for free during a free trial period. They all offer free trials, lasting about a week for new subscribers. Just remember that you must cancel before the trial ends if you don’t want to become a paying subscriber.

We’ve included affiliate links into this article. Click here to learn what those are.

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Brexit blindsided investors in 2016, but two years later those fears have yet to be fully realized. As a result, some investors think U.K. stocks look cheap.

Global markets were hammered in the immediate aftermath of the 2016 Brexit vote, and the pound plunged to its lowest level in 30 years. While a truly dire disruption of the U.K. stock market didn’t materialize, U.K. equities have continued to lag behind the U.S. market. Since the Brexit referendum, U.S. stocks are up 38% and U.K stocks are up only 15%.

Brexit poses real risks to the U.K. economy, but its stock market is dominated by financial services companies and multinationals whose businesses aren’t always tied directly to the U.K.. That leads some to conclude U.K. stocks may fare better under Brexit than the investors are give them credit for.

“U.K. equities are the cheapest equities in the developed world,” Larry McDonald, the head of U.S. macro strategies at ACG Analytics, recently explained on CNBC’s “Closing Bell“, adding they are trading at 13 times earnings, compared to U.S. stocks which are trading closer to 18 times earnings.

Politics Are Up In The Air

With Brexit less than six months away, there are three possible political outcomes, depending on what kind of deal is reached.

A “soft” exit would keep key customs agreements intact, namely at the U.K.’s border with Ireland, and reduce the likelihood of an overall negative economic impact. A “hard” exit would keep the U.K. “half and half” in the E.U with a renegotiated trade deal. The third option is a “no deal” Brexit, meaning either U.K. Prime Minister Theresa May will try to convince both parties to hold off on making any sort of deal right now — or negotiations fall apart and Britain withdraws from the E.U. in March without any trade or regulatory agreements, putting the most pressure on both Britain’s financial sector and stock market.

The problem is that it’s anyone’s guess what type of Brexit we’ll end up with. Coming to an agreement has proved difficult for the U.K. and the E.U. so far, leading some to think a “no deal” Brexit is the most likely. Others believe a deal will ultimately be reached during talks to prevent the chaos and instability that a “no deal” would inflict on the European economy. But as time to negotiate runs out, more and more commentators think a “no deal” Brexit could be the end result.

“Responsible as we are, we must prepare the EU for a no-deal scenario, which is more likely than ever before,” Donald Tusk, European council president cautioned in an Oct. 15 letter to E.U. leaders.

London’s Financial Sector Is Stable So Far

Even if the worst case scenario comes to pass, U.K. stocks may far better than bears expect. After the Brexit vote, the U.K. said it planned to slash the corporate tax as a “cushion” to any Brexit fallout. If enacted, the tax cut could boost stock returns, much the way President Trump’s election and subsequent tax cut did in the U.S.

What’s more the U.K. stock market is dominated by multinational corporations — with about 70% of their revenue coming from abroad — offering another potential cushion from any Brexit fallout. Even a falling pound could help these companies, by making foreign-earned profits more valuable in their home currency.

Financial stocks, like HSBC, make up nearly 20% of the value of the British stock market. But worries about the erosion of Britain’s status as a financial hub have so far proved overblown. Despite initial worries, bankers aren’t decamping to jobs in other parts of the E.U. at high rates, as previously expected, surprising even the CEO of Goldman Sachs. Companies are making proactive changes rather than running for the exits. HSBC is moving a handful of its subsidiaries and branches from London to France to ensure a seamless transition of service for its customers in the E.U. But it’s also said that, whatever happens with Brexit, it has no plans to move its headquarters from London.

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If you want to make more money, you naturally might think to ask your boss for a raise. But experts say the smartest approach to boosting your income is probably to make a change and get a new job. Research shows that job-switchers see higher rates of wage increases than other workers.

It’s a great time to hit the job search too: The unemployment rate the lowest it’s been since 1969, and there are over seven million job openings in the U.S. right now.

Jumping back into the job-hunting game, especially if you’ve been working at the same job or with the same employer for a long time, can feel daunting. Even though companies are eager to snap up qualified workers, and it’s relatively easy to have your application considered and get a job interview, none of this will necessarily translate to an actual job offer.

So we gathered insights from career experts for recommendations and resources you should consult to land a high-paying job you want. These books will help you get the edge in your next job interview, and set you up for a smooth transition.

Knock ’em Dead Job Interview: How to Turn Job Interviews Into Job Offers by Martin Yate Courtesy of Amazon

Dan Schawbel, author of Back to Human: How Great Leaders Create Connection in the Age of Isolation, says Knock ’em Dead Job Interview is a particularly good resource for people navigating not just a job, but a career transition. It’s a terrific “refresher course” for anybody who finds themselves back on the job-hunting circuit after a stretch at the same employer, says Schawbel, and it contains plenty of advice for workers before, during, and after getting a new job.

“This book helps job seekers understand what employers are looking for when evaluating them, prepare for the inevitable questions you’ll be asked during an interview and even how to negotiate a job offer,” says Schawbel. Since data today shows that most workers will go through a number of jobs — and many of us will even switch careers over the course of our working life — this book is one you’ll want to keep on your bookshelf.

Grit: The Power of Passion and Perseverance by Angela Duckworth Courtesy of Amazon

Andrew Challenger, vice president at Challenger, Gray & Christmas, acknowledges that Grit isn’t a “how-to” book for job interviewers, per se, but he maintains that it contains some eye-opening truths that will help you advance in your career.

“This book is about how effort is a more important factor in achievement than talent or skill. This is a critical lesson for the job search,” he says. Grit explores the reality that getting what you want isn’t always easy, and provides guidance for how to turn those struggles and rejections into perseverance. “Job seekers that put forth the greatest effort are rewarded with better jobs and higher compensation,” Challenger says.

What Color is Your Parachute? 2019: A Practical Manual for Job-Hunters and Carer Changers by Richard N. Bolles Courtesy of Amazon

Career coach Ngoc Nguyen calls this a “seminal book for career advice” that will be a valuable guide even after you’ve cleared the hurdle of the interview process.

Updated annually, What Color Is Your Parachute? provides time-tested truisms as well as cutting-edge insights to help you advance in today’s economy. “This book provides practical tips for job hunters of any age as well as tools to help you figure out what you are good at,” Nguyen says.

Don’t Retire, Rewire! by Jeri Sedlar and Rick Miners Courtesy of Amazon

Roy Cohen, career coach and author of The Wall Street Professional’s Survival Guide: Success Secrets of a Career Coach, says Don’t Retire, Rewire! is an especially good book for workers who are Baby Boomers like him and might be looking at a career shift or reentry into the workforce. “I like this book because it provides a roadmap for others who feel the same as I do,” he says. “For those who may have no choice but to continue to work and who may want to redirect their focus, this book provides a strategy and steps to follow to achieve that goal.”

With 14 years’ of experience as an in-house career counselor for Goldman Sachs, Cohen has seen a lot of driven, competitive professionals, and his own book has garnered accolades from academics in top business programs at Duke University, the Wharton School and the Tuck School of Business at Dartmouth University.

“Work is essential to staying healthy and focused,” says Cohen. But it’s not always easy to appreciate the enrichment a fulfilling career provides if you focus on the day-to-day grind. No matter if you’re gearing up for a job interview or your first day at a new workplace, you’re going to need to project that enthusiasm and spirit of engagement, Cohen says. And these books can help.

We’ve included affiliate links into this article. Click here to learn what those are.

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I have spent 40 years helping people become financially independent. I am the queen of needs vs. wants. One of my most emphatic messages is that getting the same pleasure from saving as you do from spending will put you on the road to wealth.

That gives me plenty of common ground with the FIRE movement. But I also have some serious concerns.

For anyone who isn’t up to speed on FIRE, it stands for Financial Independence, Retire Early.

Financial Independence: count me in!

Retire Early: yikes, that’s where I jump off the bandwagon.

When I was first asked my opinion about the FIRE movement, I had plenty of questions. I wanted to know about the Retire Early part of the equation. In my world, retirement means not working. Full stop. I was told that this was indeed the focus of FIRE, and that early was 30s or 40s, not 55.

The math of that makes absolutely no sense. And I said so.

But I now realize that I was given bad information. Retire Early for FIRE followers is not about stopping work completely. It is about stopping work that you don’t like, or just do for the money, and finding work that you actually enjoy, and that fulfills you.

Hello! We are so on the same page. In fact, I have been telling people that they should never work at a job they hate. And I have long said that living below your means, but within your needs is how you set up your life to be able to live life On. Your. Terms.

That seems to be right in line with what the FIRE movement is all about. If you want to retire from a long commute, a corporate hierarchy you loathe and work that you don’t look forward to, I am 100% cheering you on. But that assumes your next goal is to segue into a new “career” that speaks to you, and that yes, brings in some money.

For here’s the one thing I can tell you from my perch at a young 67-years-old: Money will never make you happy, but you need a base level of money to give you and your family security. Saving 25 times your current income and then retiring before age 40 without continuing to make money is just way too risky in my opinion. The notion that you can then afford to live off of your savings by limiting your withdrawals to just 4% of your assets each year — adjusted for inflation — is of course borrowed from a popular retirement strategy.

But that strategy was designed to work for someone who retired at 65 and wanted to make sure their money had a solid chance of outlasting them. What works for a 25 to 30 year time horizon shouldn’t be assumed to work for a 50 or 60 year time horizon.

So that’s why I have been so emphatic that Retire Early is incredibly dangerous. If you want to ditch your dreary life-sucking job, go for it! But to be financially independent in your 70s, 80s and beyond will require that what you have saved today can keep compounding for a few more decades. You don’t want to tap your principal today. So that likely requires continuing to bring in income today. Right? And given what I know and see about the high cost of being old—supported my mother who lived to be 97—I encourage every FIRE follower to keep saving more. A Roth IRA. A SEP-IRA if you are self-employed.

If that’s your plan, I am so with you. If you are able to construct a life that avoids the financial insecurity that so many of your parents and grandparents are living with right now—too little saved for retirement, a too-expensive lifestyle to support—and you actually enjoy your life along the way, you will have lived the richest of lives.

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