How to Retire Early (Part 1)

How to Retire Early with Julie Cazzin Part 1

Today I am REALLY excited to have none other than Julie Cazzin on the show, who is going to tell us all about how we can retire early.

This is part 1 of the interview, and you can find part 2 here.

Julie has also arranged for a giveaway to all Build Wealth Canada listeners so definitely keep reading for more details on that!

A bit about Julie: Julie is a national award winning business and personal finance journalist. She is a founding member and Senior Editor at MoneySense which as you may know is the largest personal finance magazine in all of Canada.

While she consistently writes some of the most popular columns for MoneySense, she’s also written for Readers Digest, Canadian Business, Maclean’s, and many others.

Julie has also appeared as a television guest on CityTV, Rogers and CTV as well as several radio shows throughout the years, speaking on a wide range of personal finance topics.

Last but not least, she is also an instructor at Ryerson University for business journalism.

On top of all that, I can personally say that in the past I’ve learned more from Julie after chatting with her for 15 minutes, than I have from reading some entire books; so you are DEFINITELY in for a treat.

Now about the giveaway: Julie is giving away two books!

The first is the MoneySense Guide to Buying and Selling a Home.

The 2nd book is “Findependence Day” by Jonathan Chevreau (who is also from MoneySense), and that book is all about how to achieve financial independence here in Canada.

To enter the giveaway you have 2 options:

Option 1: Send me an email asking a question that you’d like answered on a future episode of the show.

The easiest way to do this is to enter your email down below so that you get emailed when new expert interviews come out. Upon signing up you’ll get an automatic email from me so just reply to that email and ask me your question.

One you do that you’ll be automatically entered into the draw.

Here’s the signup form to enter the giveaway:

Option 2: Now if you can’t think of a question or maybe you participated in last week’s giveaway and already submitted all the questions that you had to me, then you can still enter the giveaway.

First, go to and check them out. They have some amazing articles on there, I read them all the time, and it’s definitely a great source of personal finance information for Canadians.

Once you’ve done that, follow Build Wealth Canada on one of the social media channels here:

Facebook: Build Wealth Canada

Twitter: BuildWealthCA

Once you do that you will automatically be entered into the giveaway, and I’ll also have a way to get in touch with you if you’ve won!

Alright that’s it! Either send me a question through email, or check out and Follow Build Wealth Canada on social media to be automatically entered to win.

I look forward to hearing from you and enjoy the interview!

All the best,


Links and Resources Covered:

MoneySense Magazine

Julie’s Articles on MoneySense

Findependence Day by Jonathan Chevreau

Questions Covered:

Once you’ve signed up, check out the questions that we covered during the episode:

  1. What are some top tips you can give to Canadians that want to retire early?
  1. How can we figure out if we have enough to retire early?
  1. What are some top mistakes someone can make if they want to retire early?
  1. What are some top mistakes someone can do if they are already retired? (whether it was early retirement or not)
  1. While saving for an early retirement, would you recommend index investing by purchasing broad market ETFs or funds, or do you recommend a different strategy? (ex. dividend investing)
  1. While saving for an early retirement, would your asset allocation be different compared to someone that is planning on retiring early?
  1. What are some of the unique challenges that we have to worry about if we are planning to retire early vs doing the more traditional retirement at age 65. (i.e. Impact of CPP, OAS, and pensions come to mind).
  1. Once we manage to retire early, what suggestions can you make in terms of asset allocation?
  1. Your thoughts on a safe withdraw rate?
  1. How would you suggest using TFSA, RRSP, and unregistered accounts while saving?
  1. How would you suggest using TFSA, RRSP, and unregistered accounts while retired early?
  2. What are annuities and is it possible to purchase annuities here in Canada if we are a young retiree?

In Closing

If you enjoyed the episode, please take a moment to leave an honest review and rating on iTunes by clicking the “View in iTunes” button at this link.

If you have any tips, suggestions or comments, please be sure to leave a comment in the section below. I read all responses and look forward to hearing from you.

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I looking forward to hearing from you.