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Is early retirement actually possible without a massive fortune? In this video, I’m pulling back the curtain on my personal monthly budget to show you exactly how I manage my finances in early retirement. I break down my real income sources (including pensions and savings), my fixed outgoings, and the "unexpected" costs that almost tripped me up. I also dive into the Kakeibo method—the Japanese art of mindful budgeting—and how it’s helped me shift my relationship with money to live a more intentional, frugal, and fulfilling lifestyle. Get my KAKEIBO BOOK here: https://amzn.to/4r5qlxa In this video, we cover: My exact monthly income and pension breakdown. Real-world expenses (Council tax, utilities, and kids’ maintenance). The Kakeibo budgeting system and why it works. Lessons learned from a £80 overspend last month. Why "the bridge" years are the most expensive part of retirement. Links mentioned in the video: 📖 The Kakeibo Budget Planner: https://amzn.to/4r5qlxa 📱 Plum AI Savings App: https://friends.withplum.com/r/Ah3QJW... 00:00 The Big Question: How much do you need to retire? 00:18 My Secret Weapon: The Kakeibo Budgeting Method 01:25 My Personal Situation: Mortgage-free & Child Maintenance 02:12 Income Breakdown: Pensions, Savings & YouTube 04:45 Regular Outgoings: Fixed Monthly Bills 06:45 The Net Budget: What’s left for "Real Life" 07:51 Tracking the Spend: Weekly Ledger Walkthrough 08:15 The January Results: Budget vs. Actual 11:17 The "Oops" Moment: My £80 Overspend Explained 12:41 Adjusting for February: Planning for a Cheaper Month 15:05 The Final Verdict: Is £1,500–£2,000 enough? If you found this breakdown helpful, don't forget to Like and Subscribe for more videos on health, fitness, and lifestyle at 50+! 🔔 SUBSCRIBE for more videos on navigating life after 50: / @level50lifestyle Connect with me elsewhere: 👉🏻Instagram: / lordkensal 📚My books: Mastering the Art of Small Steps: The Joyful Path of Kaizen https://amzn.eu/d/bgDpFuI Bushido Unplugged: Samurai Wisdom for the Modern World: How the Art of the Samurai Can Enrich Your Life Today https://amzn.eu/d/hsm7X23 The Ikigai Blueprint: Unlocking Meaning, Passion, and Success in Your Everyday Journey https://amzn.eu/d/3h7Mron The Kakeibo Budget Planner: A No-Fuss Household Ledger to Track Spending, Save More, and Manage Money Mindfully UK - • Godzilla Scream - Sound Effect for editing US - https://www.amazon.com/dp/B0GG2CZXBW Join this channel to get access to perks: / @level50lifestyle