Want F.I.R.E.? 25 Motivating Tips To Retire Early

By | March 19, 2019

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Need to motivate yourself towards Financial Independence Retire Early (F.I.R.E.)? It can be hard to keep working towards your F.I.R.E. when you can’t see a lot of substantial progress.

You know you need to start saving, you know you need to make more money. But you are not acting on it or not being consistent in your efforts.

So how do you keep going towards your goal to retire early? You must keep yourself highly motivated to reach F.I.R.E.


Motivation is the ‘enthusiasm for doing something’ (Cambridge Dictionary).

Most folks lack constant motivation when the going gets rough or when they need more time and regular actions to reach their goals.

But take heart. When you use these proven 25 motivational tips, you will surely reach your F.I.R.E.


#1. Write down your F.I.R.E. goals

Use pen and paper or write down your goals on Evernote. Wherever it suits you. As long as you can access it easily. Recording your goals makes it more real. Look at your goals every day.

What are your F.I.R.E. goals?

-How much money do you need to become financially independent?

It depends on the lifestyle you want and whether you intend to work for yourself or stop working completely.

-How exactly are you going to reach your F.I.R.E ? What steps are you going to take?

Write down an overall plan and break in down into manageable steps.

Decide which actions you’re going to take first.

What is your timeline for reaching your interim goals?

-What information and inspiration do you need?

What books should you read?

What websites should you frequent to learn more about how best to reach financial independence? What books can you read to inspire yourself?

Financial Freedom by Grant Sabatier is truly inspirational. Find out how he went from having just $2.26 to more than a million dollars in 5 years.

(This post contains affiliate links. I may receive a small compensation if you purchase through these links. You do not pay extra. Please read my disclosure policy. Thanks for helping us to continue providing you with useful free information. Part of the proceeds has been donated to the South Island Wildlife Hospital.)

#2. Make time your friend

Allow yourself more time than you think. Most of us can’t wait to achieve F.I.R.E. Me too.

However, it’s wise to develop patience and go easy on yourself. Be realistic. As everyone’s circumstances are different, reaching F.I.R.E. may take longer than you wish. But by accepting a longer time frame, you’ll not give up too soon. Instead, it will likely mean that you’ll succeed.

#3. Be flexible

If you can’t achieve some of your interim goals towards F.I.R.E. within the set time frame, there’s no need to beat yourself up.

Remind yourself that progress is being made. Since you’re the one setting the time frame, you have the liberty of extending that time frame.

#4. Pin your F.I.R.E. goals up

Display your F.I.R.E. plan in a prominent spot where you see it every day.

You can place it on your fridge door or bedside mirror. Read it at least once in the morning when you get up and in the evening before bed.

Carry a copy of it during the day and read it too.

#5. Say your goals aloud

Say your goals aloud with positive energy and feeling at least twice a day, e.g. in the morning or evening, to feel inspired.

Remind yourself that you have reached other goals in the past, and you’ll also hit your F.I.R.E. goals.

#6. Shower time

You can say your F.I.R.E. goals aloud in the shower too. Having a shower is relaxing.

This way of motivating yourself works even better when you are relaxed.

#7. Mirror, Mirror on the wall

Look at yourself in the mirror and say your goals aloud to yourself with conviction. Looking at your own image in the mirror and saying your F.I.R.E goals aloud directs positive energy towards yourself.

Try it. It is self-motivating.

#8. Read personal finance books

I highly recommend ‘I will Teach You To Be Rich’ by Ramit Sethi. He has combined the best of both worlds brilliantly – money and humor.

I’ve a link here in case you’d like to find out more.

The best motivational book I’ve read is the ‘Magic of Thinking Big’ by David Schwartz. Don’t take my word for it. Check it out for yourself. Borrow it from your local library if you’re on a budget.

If you’d like to have a copy for yourself, I’ve included a link here for your convenience. You can also click on the picture below to find out more.

#9. Focus

Do whatever it takes to help you focus on achieving F.I.R.E.

If your homemade coffee or tea works, make yourself a cup. Turn off your phones, tabs, alerts, anything to reduce your distractions to zero. Focus is crucial when you are taking stock of your progress and improving the ways to save more and make more money.

#10. Use your ears

Listen to motivational CDs and positive affirmations.

The Secret by Rhonda Byrne is among the most famous of them.

You can listen to more positive affirmations free on YouTube here.

If you’re looking for more freebies, get 2 FREE Audiobooks plus 2 Audible originals when you sign up with Amazon. It’s free for 30 days and you can cancel online anytime. You can click on the image below to find out more.

#11. Just start taking action towards F.I.R.E.

Don’t delay. Don’t make excuses.

Just start. Even if you think if your F.I.R.E. plan is not going to work.

Once you start taking action, it triggers your brain into the rhythm of continuing with more action. Soon you’ll find yourself getting into the swing of it.

For example, if you’re looking to save money, hunt for loose change in your house and collect them in a jar. This simple action of starting will motivate you to place more loose change into the jar, growing your savings.

#12. Don’t overthink

Don’t waste time overthinking – avoid paralysis from over-analysis. Just start working on your F.I.R.E goals.

Need motivational quotes to supercharge your life?

Get inspired by these 20+ Quotes You Must Know For Money Success Part One and 20+ Quotes You Must Know For Money Success Part Two.

#13. Make reaching your goals easy

Darren from Problogger offers this wonderful tip : Schedule your goals.

So schedule your F.I.R.E. goals.

This makes it easy for yourself.

By scheduling the goals, you’ll see what you need to do and will start on it.

Scheduling what you need to do means you save time instead of trying to decide what you should do.

Sometimes, you may not get to complete a goal, but that’s fine. Whatever progress you’ve made is still taking you closer to your goals.

#14. Make an appointment with yourself

Set aside time to congratulate yourself each day.

Make a specific time every day to congratulate yourself on what you’ve achieved. No matter how small you think it is, you’ll have moved closer to your F.I.R.E

#15. Create a Vision board

You’ve probably heard of the visualization technique.

Depending on your personality, some people find it hard to visualize what they want.

To make this process easier for yourself, set up your vision board by pinning pictures or photos of your F.I.R.E. goals. For example, your dream home or the perfect getaway.

I know of a teen who looks daily at a picture of a vacation, with his own image superimposed in it. This vision board on his smartphone has been motivating him to make and save the money needed to go on his dream trip.

#16. Quiet Space

At the end of each day, spend 5 minutes to have a quiet space for yourself.

You can meditate or reflect.

Think about what you’ve done to move closer to F.I.R.E. What has been working for you? Keep doing it. Is there anything you need to change?

You can choose to lie down and close your eyes. Relax and slow your breathing down. This helps you to focus better. Think about your day’s success.

#17. It’s done

Imagine yourself as having already achieved F.I.R.E. Where are you? What are you enjoying doing? Include as many details as possible.

This is a very powerful visualization technique and has been used by successful people around the world.

#18. Positive self-talk

Keep motivating yourself with positive self-talk. Most of us are too hard on ourselves. Turn it around.

Encourage yourself daily. Yes, it may feel strange at first. But over time, you’ll gradually get into the habit of doing it.

#19. Anticipate your success

Build a sense of happy anticipation. Imagine what life is like when you’ve finally reached your ultimate destination – your F.I.R.E.

When you feel happy, your motivation is high.

Have you ever thought about this?

Just before going on a vacation, I’ve this strong urge to clean or tidy up my house. I usually turn a blind eye to the mess. But that sense of expectancy gives me the motivation to do what I dislike.

One way to create that happy feeling is to give yourself a reward for completing the work. It doesn’t have to be costly.

Get my 100 Frugal Ideas to Enjoy Life to the Fullest.

#20. Laugh

Collect a set of personal jokes. Read some of it before you make a start on something you don’t like to do. For example, saving up the money which you could have spent on that new sports gear.

Being relaxed and happy can be great motivation.

#21. Read blogs

Read blogs like this one to inspire yourself.

#22. Reach F.I.R.E. for others too

Lots of folks talk about going into your own ‘whys’ and how this increases your motivation. For example, I want to make a million dollars in 5 years’ time.

To me, your motivation is most powerful when you do something for others. When you want your loved ones to have a better future, your motivation to succeed financially will surpass that of your own personal needs.

When you’ve reached F.I.R.E, your ability to help your loved ones will be so much stronger.

So, combine “I want to have . . . for myself” with “I want my loved ones to have . . .”

#23. You’re already there

Where’s your ideal retirement spot? Search online for images and photos. Look for videos on the place. Save them and look at or watch them regularly.

Imagine you’re there. Make it so real that you can almost smell the sights and hear the sounds. The more details you can fit in, the better.

#24. Don’t fall into this trap

Did you know that practically all of us fall into this trap?

The comparison trap.

I had a fair share of this when I was growing up. Courtesy of my upbringing. My parent would say there was always someone else who was prettier (my cousin), richer (the same cousin who later married a multi millionaire) or smarter (my childhood friend).

Have you ever wondered why we always compare ourselves to someone else who is doing better?

Honestly, it saps our motivation super fast. This is where we need to replace it with gratitude.

Gratitude that you’re on your way towards achieving early retirement, that F.I.R.E. is within your grasp much sooner than you could have ever imagined.

#25. Belief

Strengthen yourself mentally. Believe that you can and you will succeed in reaching your F.I.R.E.

Wrap Up

Whatever your financial situation is, these motivational tips will jump start your journey towards F.I.R.E.

You need not use all of them. See which ones suit you best. You may even like to use different ones on different days.

Here’s a wish for all of you: F.I.R.E your dreams!

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