# Can I retire yet?

**URL:** https://forum.mustachianpost.com/t/can-i-retire-yet/18714
**Category:** Share your story
**Created:** [April 17, 2026, 4:17pm UTC](https://forum.mustachianpost.com/t/can-i-retire-yet/18714 "2026-04-17T16:17:35Z")
**Posts on this page:** 1
**Showing post:** 7

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### Author: ![FunnyDjo](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/funnydjo/32/3216_2.png) [@FunnyDjo](https://forum.mustachianpost.com/u/FunnyDjo)
#### Post date: [April 18, 2026, 7:15pm UTC](https://forum.mustachianpost.com/t/can-i-retire-yet/18714/7 "2026-04-18T19:15:08Z")

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Thank you for sharing.

I think keeping RE is a good diversification. You may not be able to subscribe to more debt for another opportunity so I will keep yours.  
Refinancing your Home while unemployed was discussed in another thread. There is not much experience post RE but interested. The irdea will be to take the longest fixed mortgage available to you (e.g. 10 years).

> [@House mortgage when RE](https://forum.mustachianpost.com/t/house-mortgage-when-re/14047/11):
>
> If you renew with the bank that you had your mortgage before, I would assume that they are a bit less strict on the affordability requirements. In my case, I never had a mortgage in Switzerland. FIRE people are still considered an odd case (how dare you retire before the reference retirement age…) so the closer your are to reference retirement age, the less your are an odd ball to the banks. Meaning if you are 10 years away when you FIRE, I would definitely choose a 10-year fixed mortgage to a…

In your position, I will work 3 extra years if you can handle it and do a mix of 2nd pillar buyback and ETF investments with your savings.  
Worst case scenario, you can already retire in an EU country but your kids may not get the same opportunities as studying in Switzerland.

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