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12 Steps to Semi-Retirement – How to Live Your Life on Your Own Terms We’ve put together an overview of the 12 steps and processes involved in transitioning to a semi-retired lifestyle. These steps are based on our own experiences—both in the years leading up to quitting our full-time careers and throughout the last four years of living semi-retired by age 40. This is Step 2 , and its purpose is straightforward: to understand your current financial situation and what’s neede