Saving & Spending

Experts Say These May be the “Top 6” Habits of Early Retirees

man putting pennies in glass jar with retirement label
Last updated Dec. 28, 2025 | By FinanceBuzz Editors

If you're ready to retire sooner than you initially thought — then this might be the perfect thing for you.

Three major financial challenges of retirement are 1) growing your wealth beforehand, 2) making your money last, and 3) maintaining healthy cash flow.

Keep reading to learn strategies that can help you start to figure these things out so that you can enjoy retirement … instead of worrying about money.

Pay no interest on balance transfers until 2027

Imagine getting 18 months with 0% intro APR on a balance transfer (APR then 17.49% - 27.49% (Variable)). Sounds great — right? You could dramatically change your financial picture with this industry-leading card - the Citi Double Cash® Card.

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR on balance transfers for 18 months. After the intro period for balance transfers, the APR is 17.49% - 27.49% (Variable). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't stop with balance transfers though. Cardholders can also earn double cash back — 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. Even better, you can redeem your cash back as direct deposit, a statement credit, or even a mailed check! You can turn your everyday purchases into cash back and make a dent in your debt, regular bills, or save for the future.

The best part? There's no annual fee with the Citi Double Cash® Card(Rates and fees).

Click here to apply now for the Citi Double Cash® Card

Earn $200 cash rewards bonus with this incredible card

There's a credit card that's making waves with its amazing bonus and benefits. The Wells Fargo Active Cash® Card(Rates and fees) has no annual fee and you can earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

The Active Cash Card puts cash rewards back into your wallet. Cardholders can earn unlimited 2% cash rewards on purchases — easy! That's one of the best cash rewards options available.

This card also offers an intro APR of 0% for 12 months from account opening on purchases and qualifying balance transfers (then 18.49%, 24.49%, or 28.49% Variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.

The best part? There's no annual fee.

Click here to apply now.

Take this quiz and see if you can retire early

Do you know if you can retire early? One of the best ways to find out is by speaking with a financial advisor. You could potentially retire years earlier with the right moves and a little work.

Our advice:Take this quiz from Unbiased. In just a few short questions, it can match you with a vetted financial advisor in your area. Once you get matched, you get a free consultation with your advisor to discuss your situation and future goals.

Join over 10 million people who have found a great fit in an advisor with Unbiased.

Take the quiz