Couple Retiring Early, Won’t Leave Inheritance for Children

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Kelly Benthall and her husband, Nigel, decided to retire early at 53 to travel the world.

To prepare, they restructured their finances and decided not to leave an inheritance for their six children. They had already invested in the children’s education and believed in their ability to create their own futures.

With a financial advisor’s help, they invested in fixed-income resources and transitioned to having their accounts managed with asset-based fees.

They sold their second car, paid off debts, and committed to budgeting carefully. Their goal is to spend 20% less than they did during their last five years of work.

They prioritize affordability in travel without compromising standards by using Airbnb and local agencies for discounts with extended stays. They established “home bases” in destinations to experience local culture.

Over five months, they have visited Dubrovnik, Lecce, Seville, and Mauritius, spending an average of $6,000 per month excluding expenses back home.

Their journey is not only about travel but also about finding space to breathe and escaping the constant news cycle. They embrace the unknown and enjoy the freedom to explore.

Their children were initially wistful but now support their decision. They hope to inspire their children to live fully and trust that support will be there.


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