'Here's my game plan for how I'll retire by the time I'm in my 30s'

Kennie has shared her 'game plan' for retiring in her 30s (stock image)
-Credit: (Image: Getty)


A savvy woman has revealed how she aims to retire in her 30s by gaining financial independence. Kennie Bukky, who provides career and financial advice on the internet, has detailed the steps to her early retirement.

She posted a video on her TikTok page @Kenniebukky, with a caption thatread: "My early retirement plan. Copy my 9-5 early retirement plan - not official financial advice, just my personal game plan for early retirement."

Her revealing clip amassed an impressive 36.2k views, close to 2,000 likes, and a sea of questions from curious followers. In the video, Kennie shares that she isn't interested in maintaining a 9-5 job until reaching the typical 'retirement age', generally your late 60s, reports the Mirror.

Kennie boldly states in one slide: "Most people don't know that you can choose when you retire. Most people in the UK wait till over 65 years to retire. Since you can decide what age you want to retire, I've decided that I don't want to work a 9-5 until I'm 65, so here is my game plan for achieving financial independence and retiring early."

She then unveils her masterful plan in stages and this involves F. I. R. E. , standing for: Financial Independence, Retire Early. The primary objective here is financial independence, which serves as a launchpad for freedom.

According to Kennie, by obtaining financial independence, there is no necessity to work to cover living costs and hence, theoretically, you could retire.

In another slide, she elaborated: "How do I plan to achieve financial independence? Financial independence is when things you own (assets) pay for your living expenses, like bills, food, etc.

"Examples of assets are property, stock and shares, a business etc, high income skills and side hustles. You can only gain assets by investing in them. The right assets will later pay for your lifestyle when you retire."

Kennie then shared her strategy for acquiring assets, which requires disposable income. Here's how she ensures she has some spare income:

  • Gaining a high income skill and becoming a contractor. Being a contractor (instead of a permanent employee in my 9-5 career) allowed me to start earning a 6-figure salary in my 20s.

  • Having multiple streams of income via my side hustle and business

  • Living below my means by keeping my bills and expenses low to save most of my income

Kennie added: "I save and invest most of my income."

Here are the things she invests in:

  • Courses and books to improve and build my income generating skills to maximise my income

  • I invest in assets that pay dividends like property and stocks and shares

  • I invest my time and money into a business that generates additional income

Finally, Kennie stated: Once the passive income from these are able to cover all living expenses and bills - the financial independence has been achieved and I can technically retire because you won't HAVE to work, but I can choose to do so by choice!

"It's worth noting that this plan might not be suitable for everyone, and Kennie clearly states that this plan is not official financial advice but simply her "personal game plan."