Work till you’re 67 and then enjoy your retirement. Or could it be different? A search for Plan P: innovative ideas and alternative scenarios for organizing your life, work and retirement. Rethinking for and by young and old.
In this edition, Millennials Saska van Engen and Puck Landewé speak about financial independence and early retirement.
December 31, 2025 is D-day for Saska van Engen (30). That is the date on which she wants to have saved and invested enough to be able to say goodbye to her steady job. A job she likes, incidentally, but freedom beckons. “If I want to go for a walk then, one of my passions, on a Tuesday morning, I want to be able to just do that.” And she has a dream: to live in the forest in Sweden and really enjoy nature, far away from the rat race.
Puck Landewé (33), thinks she will be financially independent in about a year and be able to live on the revenue from her investment portfolio. For her, freedom is a keyword too. “I want to be able to follow my heart, even if it doesn’t pay much or at all. I’d like to be a forester someday.”
Open-plan office or your own garden?
Van Engen and Landewé are both supporters of the FIRE philosophy, which stands for: Financial Independence, Retire Early. In other words: become financially independent, so that you can retire before you’re even forty, instead of waiting till you’re 67. Or so you don’t have to sit in front of a computer screen in open-plan office, but instead have more time for your own garden, traveling or your own enterprise. That freedom must be bought with striving for financial independence: spend less than is coming in and invest the difference, so that you can eventually live on the returns and the dividend.
From dealing room to beeswax candles
After earning two master’s degrees in economy and finance, Van Engen worked at audit firm EY and ABN Amro’s dealing room, as a risk controller. “I quickly realized that I was not really attracted to that world after all: too hard, not people-oriented enough and I missed social relevance.” At the beginning of this year, she became a business controller at healthcare facility Beweging 3.0. “In the care sector there is less back-room politics and competition: you’re working together to help other people. That’s a much better fit for me.”
In addition to her job, she has a company that makes beeswax candles, she has a hiking blog and a website where she gives advice and blogs about consciously dealing with finances and investments: FinanceMonkey.nl, with about 22,000 followers a month. The latter activity provides her with extra income and contributes to her ultimate goal: to be financially independent at age 35, along with her boyfriend. “Then we can trade our nine-to-five jobs in for freedom to live differently, with more time for ourselves and for helping others in society.”