A millennial who retired early says she 'got bored' 6 months in and shares her top takeaway from hitting FIRE
"I thought FIRE was the goal for a really long time," she told Business Insider, referring to the financial independence, retire early movement. "And, at 32, I basically achieved a version of FIRE — living in my camper van and having freedom — and it was fun for like the first six months."
But less than a year into early retirement, "I found that I got bored and didn't feel all that fulfilled."
Han's financial independence journey began with a lot of debt: about $100,000 worth of student loans and credit cards. It forced her to increase her income, rein in her spending, and save aggressively, habits that she maintained after becoming debt-free and helped her achieve a seven-figure net worth.
Only after quitting her Wall Street job did she realize she was chasing the wrong thing all along.
"The question shouldn't be: How can I retire early and finally live my life? The question should be: How can I build a life I don't want to retire from?" she said.
At least for her, she'd rather spend her time working on something that lights her up than sit around doing nothing. "It might sound a little idealistic, but I really think that it's possible. It just takes maybe a different way of thinking and some effort."
Building a life you don't want to retire from
The way Han sees it, there are two main paths to building a life that you don't want to retire from.
"The ideal would be: What you love to do is what also makes you money, so you never have to retire, and it never feels like work," she said. "That's one possibility, and that's a sweet spot that I have more or less found, where the work that I do is what I love."
Han runs a financial literacy business that began as a passion project. She hosted free personal finance meet-ups and started a YouTube channel to share her own experience with money, which evolved into a profitable business with multiple revenue streams: online courses, brand deals, affiliate links, book sales, and AdSense for YouTube.
"It doesn't feel like work, and it makes you money. That's the whole package," said Han.
The second main path — establishing a reliable income stream that will pay the bills while pursuing your passion on the side — may be more practical.
"Elizabeth Gilbert talked about this in her book 'Big Magic.' She decided waitressing would be the thing that pays the bills so that writing would not need to have that pressure, and she could maintain her passion for writing," said Han. With this path, "you have a cash cow and you also have your passions. They don't have to be the same thing. It's like being the lawyer who has a rock band on the weekends."
If, over time, your rock band starts making enough money to sustain your lifestyle, that's when you could decide whether to quit your corporate job and pursue music full-time.
"I don't think you should just starve and pursue your passion. You also need to think about your cash cow," she added. "If you can make both one and the same, great. But if not, there are other ways to do it."
Changing her mindset from accumulating money to accumulating experiences
For years, Han poured much of her energy into making money and investing aggressively, but her single-minded pursuit of FIRE came at the cost of connection and deeper life experiences.
"The overall emphasis on money and the accumulation of money has just gotten out of hand, because capitalism has gotten out of hand," she said. "It's taken us away from what really, really matters, which is time with our loved ones and relationships."
Once she hit a $1 million net worth, one of her first thoughts was, "OK, well, now why don't I get to $10 million?" she said, a mindset she has since started to question. How much is enough, and at what point do you stop chasing more to enjoy what you already have?
"I feel like that's one outdated piece of advice: Overemphasis on accumulating money and dollars versus accumulating moments and core memories that you can never replace," she said.
She's not the only one waking up to this idea. She pointed to the "great resignation" of 2021 and 2022: "People were quitting their jobs because they were realizing, 'Oh, being away from home and working for somebody else who doesn't even really value me is not worth it anymore. I'd rather just have less money, but actually be able to do what I want with my time.'"
For Han, her happiest moments have come since moving to the same city as her boyfriend.
"The moments where we're just camping in our camper van, making a little fire, and my dog's running around the campsite, and it's just the three of us," she said. "Super simple moments that cost very little. That's what I live for."
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It has slip resistance so it won't slide around, and you can lock the drawers so they won't pop out either. The design stores the three different drive sizes, which is super convenient. It's also modular, so you can add it to your tool case, which is very functional in my case." —David Price: $99 (originally $199.99) The TikTok-famous Mixsoon Bean Essence for 34% off — a seriously sexy discount for this K-beauty exfoliating rinse-off treatment that won't leave you feeling dry and irritated afterward. The secret is the combination of fermented pomegranate (which acts as a natural chemical exfoliant to help get rid of flaky, dead skin) and fermented barley (which helps to hydrate and brighten). You can't beat this price for such wow-worthy results! Promising reviews: "I saw this all over TikTok/Instagram and decided to buy it because I have a lot of sebaceous filaments on my chin and nose. It's a little expensive but I took a gamble: it works! You can physically see the sebaceous filaments come out of your pores; it is not the product bunching up. My problem areas were so much smoother after using and were left with a moisturized glow. I then proceeded to have my boyfriend use this product to see if it worked this well on everyone on the first try, and it worked on his nose as well. Amazing stuff. 🩷" —Losa"I have hyperpigmentation and oily skin. I feel this product regulates my oil production and it helps my makeup look so flawless. 10/10." —MissKayMaePrice: $13.95+ (typically $21.18+; available in two sizes) A waterproof phone pouch for up to 26% off, made to protect your phone while you snap selfies swimming in the ocean, FaceTime your mom from the resort pool, or if you just don't want to leave your precious phone unsupervised on shore while you search for sea turtles. It also comes with a lanyard, so you can wear it around your neck. Fits all smartphones up to 7" diagonal review: "This product is incredible. I purchased it to use while in Key West for an iPhone 6, iPhone 6 plus, and Galaxy S6 Edge, and it fits perfectly for each phone (but a little more snug with the iPhone 6 plus). It is completely waterproof and takes great photos and video through the case, but you have to press record prior to submerging the case underwater. My family went snorkeling and kept the case with the phone inside submerged almost the entire time and had no issues with leakage. My family and I got stopped numerous times by being asked where we purchased this product. Perfect, even if you are just on the beach and you do not want to get sand or sunscreen on your phone, and still want to take photos/text/browse the internet while on the beach. I will be purchasing this for everyone in my family as it has become a travel must-have! I highly recommend this product." —Amber SmithPrice: $6.99+ (typically $9.41+; available in 14 colors). A cordless water flosser for 33% off (the lowest price it goes for!) so you can finally stop hearing your dentist lecture you about flossing every time you go in for a cleaning. This makes flossing easier (and more fun?) as it removes food and other particles buried between your teeth. Promising review: "I never knew I needed a water flosser until I tried this one, and wow — what a difference! It delivers a powerful yet gentle stream of water that thoroughly cleans between my teeth and along the gum line. The effectiveness is undeniable — I can actually feel how much fresher and cleaner my mouth is after each use because my breath has noticeably improved. Beyond just the results, the ease of use has completely transformed my approach to flossing. No more struggling with traditional floss or worrying about missing tricky spots. I still floss, but with the water flosser, it's no longer a chore, it's actually enjoyable and can be done extremely fast." —Vanessa ChangPrice: $19.99 (originally $29.98; available in four colors) An electric, adjustable standing desk for up to 35% off so you can stretch your legs and take standing breaks throughout the day, without missing a beat in your emails or meetings. This allows you to simply raise or lower your computer to eye level with the press of a button. Promising review: "This desk is wonderful! I got it to switch from a stationary to a sit/stand desk. I liked that the desktop was one solid piece (vs some that are 2 pieces), and I liked the combination of desktop and desk leg colors. My dad and I worked to put this together, and it took us about an hour. All the of the screws and things needed came in nicely labeled bags and it was really easy to figure out what we needed to use. You do need to supply your own screwdriver or drill. Once put together, it was easy to set the default heights for sitting and standing. The desk is actually pretty quiet when it moves! It is not super fast to raise/lower, but it moves along at a nice pace, and everything feels sturdy when it's moving. I have been using this for about a week now and I love it!" —Amazon CustomerPrice: $109.99+ (originally $169.99+; available in five sizes) A Shark FlexBreeze Pro Mist Fan for 20% off (the first time it's ever been on sale!) — this indoor/outdoor fan is sure to be beloved by folks who are tired of ~sweating it~ during the summer. It has an impressive 70 ft. reach while being ultra quiet. The attached water tank makes this misting fan portable *and* it can even be adjusted to be used as a table fan. Bless that breeze. Promising review: "We love this fan. Not only can you spray water through an attachment that goes to the fan, but you can charge the fan itself, disconnect it from the stand, set it up on a table, and it will run for about four hours with no electricity required. It will also run for about four hours before having to be recharged. You won't regret this purchase." —Nan LindstromPrice: $199.99 (originally $249.99) A Chefman Air Fryer for 42% off because it'll make cooking dinner, heating up leftovers, and trying new recipes so much quicker and easier. This will give your food that delicious fried taste, with little to no oil. Plus, it's pretty compact, so it won't take up too much counter space. Promising review: "I bought this for use in our RV while spending two months in very hot south Texas. This is the first basket-type air fryer I've owned, and I cooked almost every dinner (for two people) the entire trip in it! It was easy to use and easy to clean." —Greg&DebPrice: $69.93+ (originally $119.99; available with or without the front window) A rotating shoe rack tower for $60 off to keep your shoes (or bags) neatly out of the way and visible, making it super easy to find exactly what you need when finishing off your OOTD. Get that pile of kicks out of your entryway and give them a boutique-worthy display instead. Promising review: "This is one of the best purchases I've done in the last few months, it was super easy to assemble, I've done it by myself, no tools required. I'm using it to put my shoes on and it saves a lot of space and it's so practical cause you can see all of your shoes and have easy access to them. 10/10 on functionality!" —Great pillow!Price: $129.98 (typically $189.98) Tons of deals on school supplies, including 38% off an academic planner and 35% off Bic mechanical pencils. I know, I only June, but we all know once the 4th of July hits, the rest of the summer is a blur. So why not save yourself a chore in August *and* some money now? And hey teachers! There are some really great deals for you, too! We're talking:—35% off a Swingline 3-hole punch—33% off Contigo kids' stainless steel water bottles—52% off a 12-count of quick-dry Bic gel pens—20% off an eight-pack of notebooks (the cheapest they go for)—51% off a 64-pack of Crayola mini colored pencils—And so much morePrice (for the student planner pictured above): $7.99 (typically $12.99)Price: (for the 40-pack of Bic mechanical pencils): $6.47 (originally $9.98 — and shop all the school supply deals here A Ulike laser hair removal device for 24% off if you're looking for a more long-term solution for hair removal. Many reviewers notice a reduction in hair growth in as little a 3-4 weeks. Note: This device is not designed to work on deeper skin tones. It also does not work for red, blonde, white, or gray hair. The set includes glasses that should be worn while operating the review: "So far, the hair growth has either slowed down to an incredible amount or completely stopped as of today. I went on a two-week trip mid-March where I couldn't use the device (overseas), and I barely had to shave any of these areas. For reference, before using this, I had to shave every day and would feel the hair growing back/stubble by evening on the same day, as my hair grows super fast. The hair that is growing back is much thinner and less noticeable, and I think with more use it will almost completely disappear. I am SO happy I decided to try this out and I think it was completely worth it. I am going to start using it on my legs soon." —SkaandarPrice: $249 (originally $329) An inflatable mattress for 31% off if you have family coming to stay with you soon, and it's finally time to invest in a good air mattress that won't have them complaining about their back the entire stay. And it'll hold up to 650 lbs.!Promising review: "Ordered this for a sleepover and it's so easy to inflate, our 8-year-old can do it on her own. It's high enough for an adult to get on and off easily. It is sturdy and comes with a carrying case." —DLBPrice: $79.98 (originally $115.99) A 50-count box of disposable face towels for 44% off since reusing a washcloth is basically smearing bacteria all over your face and can potentially make your acne *worse*. So, using a fresh towelette every time you wash your face means no bacteria buildup and a better chance of fighting off stubborn acne. Promising review: "I've been using them for weeks and I'm OBSESSED. They're ultra thick, soft, and super durable. They don't tear when wet, don't leave any lint, and are the perfect size to clean my whole face with just one. Since I started using them, I haven't had any breakouts." —Carolina AcostaPrice: $9.01 (originally $15.99) A 3-in-1 apple charging station for 31% off that juices up your iPhone, Apple Watch, and AirPods simultaneously without the need for a bunch of cords. Plus, the foldable design makes it travel-friendly, and the anti-slip base ensures your devices stay put. Promising review: "I've been using this wireless charging station for a few weeks now, and I couldn't be happier. It charges my iPhone, AirPods, and Apple Watch all at the same time—no messy cables, no overheating, and no guesswork about placement. Just drop the device on the pad and it starts charging instantly. What really impressed me is how fast and consistent the charging is. My phone goes from 20% to 80% noticeably quicker than with other chargers I've tried, and it never disconnects or stalls. The build quality feels solid, and the design looks great on my nightstand—clean, modern, and minimal." —Akiena KPrice: $17.98 (originally $25.99; available in two colors)
