Here's what we think.

Hello! We're Marlene and David, and this is our perspective on retirement.

While it would be ideal if we all had enough money to last from birth until death, that's not the reality for most people in our generation. Furthermore, unless you have a crystal ball, no one knows what the future holds. Life has no guarantees.

Delaying retirement because of money isn't the smartest option. Having a Just-in-Time Retirement mindset is!

If you're retired or nearing retirement and are worried about your financial future, uncertain if your savings will sustain you, or have experienced losses in the stock market, our Just-in-Time Retirement series is specifically designed for you! And guess what? It's completely FREE. Start your Just-in-Time Retirement journey today!


JIT Retirement is a value-based, continuous improvement lifestyle plan.

Just-in-Time Retirement is a mindset that combines the Toyota Production System, the Power of Now, and the Law of Attraction. Its goal is to eliminate waste, thereby freeing up resources for retirement. By determining what you value, and developing a continuous improvement mindset, anyone can retire without worrying about money.

The method is effective for all, whether you have a lot of money or not.

According to conventional wisdom, we are supposed to retire by “Ponzi Scheme”. Some imagine themselves as winners. Most feel pathetic and left out.

Read this first!

These principles apply to everyone. The retiree that fails to embrace the new paradigm, misses the opportunity to reap the rewards of “Just In Time Retirement”.

Read this second!

In order to grasp how Lean thinking works, I’ll briefly describe the concepts of 5S and Muda (the seven wastes) from the Toyota Production System.

Read this third!

We all fall into the trap of collecting things and neglect the mounting cost of ownership.

Read this fourth!


Live Debt Free. Be in Charge of Your Health. Be Self-Reliant.


Rebel Retirement

What is it Like to Be Debt-Free (Traits of Debt-Free Retirees)

 In a world where the average baby boomer enters retirement with mortgage payments, car notes, credit card debt, and sometimes student loans, the debt-free rebel retiree is free from the burden of money woes and the struggle that debt can cause.

Learn more!

Rebel Retirement

Plan Now for a Healthy Retirement

If you’re only thinking of financial planning when it comes to your retirement, you are making one of the biggest mistakes of your life. Your health should be more important than how much money you have in the bank.

Learn more!

Rebel Retirement

What is a Self-Reliant Retiree

Self-reliant retirees believe in themselves. They are independent thinkers who trust their own judgment. They are non-conformist and have the ability to go against the status quo.

Learn more!


"...if one advances confidently in the direction of his dreams, and endeavors to live the life which he has imagined, he will meet with a success unexpected in common hours.” - Henry David Thoreau


When it comes to retirement, we believe in shaking things up, challenging the status quo, and questioning conventional wisdom. We believe that everyone, regardless of their present financial situation, wants to retire without worrying about money. That said, we share empowering content on various topics to empower you to live your best retirement. So dive in, and start your Rebel Retirement journey today.


Patti Mork says, "We discovered your website a few years ago and it inspired us to pursue our dreams to retire early and move up to Lake Superior. We are making it happen and I want to thank you for your [Sic] everything you have shared online!"


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