How To Retire At Forty

I turned 30 last December and it really got me thinking about my plans for the next ten years.

“A job isn’t something that you enjoy. its something that you turn up to in order to pay the bills.”

This is something that my dad said to me growing up. At the time when my dad said this to me it didn’t make much sense.

Now that I myself am a father and husband it makes even less.

I remember my dad wasn’t the happiest person growing up. Spending 40 hours a week doing something that you really dislike probably does that to a person.

Since September of 2017 I returned to full time work.

Anyone that does matched betting and arbitrage will know that you make about 70-80% of your profits on the weekend. Whilst casino offers can be done pretty much anytime.

So I made the decision to go back to work four days a week.

Financially it made a lot of sense.

Now I don’t hate my work. It has some positives but probably like most people I don’t really enjoy being there.

Do I want to be there for the next 10 years of my life?

Hell no!

I would love to be able to work part time doing something I enjoy and have other investments subsidize the loss of a full time wage.

How To Retire At Forty

My plan is to become financially self sufficient by the time I am forty.

By reinvesting the money I make from trading, betting and arbitrage. Alongside creating other more passive incomes much like this blog.

To maintain my current lifestyle that would mean I would need to make around £30,000 a year. However that is a low estimate and obviously a lot could change in the next ten years.

Most people would agree that your output is dependent on the things that you consistenly read,hear and talk about.

The majority of what I read online comes into these categories.


Passive Income

Early Retirement


So that should put me in pretty good stead but I don’t really put enough of what I read into practice.

For example if I look at entrepreneurship. I like most people have had hundreds of ideas over the years for a potential business or passive income.

Not saying they were all great.

But how many have I actually acted on?


This blog being one of those.

Even then it took me about two years between actually thinking about writing a blog around making money from sports betting. To actually buying a domain and writing content.

The second was ramping up my matched betting/arbitrage operation. Which in hindsight has probably cost me a lot of money as the value of offers has decreased over time.

This is something that I am going to tackle this year. Be way more active in attempting to produce further incomes.

Outside of the sports betting markets.

Embracing Frugality

There are various early retirement calculators out there.

For example this one from networthify.

But the premise is pretty simple. Have more money coming in then is going out. Invest your savings and allow compound interest to keep adding up. Eventually it will get to the point where the interest from your savings will cover your expenses.

Now of course that are a lot more variables to look at. Everybody has different lifestyles, assets and expenses. 

However it seems like the most accessible way for most people to get to early retirement (myself included) is by saving money.

I have always been a pretty frugal individual. Even before I started playing poker and betting/trading I had a pretty good idea of value.

You can ask my wife what a cheap skate I am.

“£10,000 on a wedding? Seems kind of stupid for something that lasts one day.”

“Probably better saving that for a deposit on a house”

“£500 for a watch. My phone can tell the fucking time.”

So yeah frugality or being a cheap son of a b**** as others may call it comes pretty naturally to me.

What doesn’t come naturally to me is the boring aspect of saving. Switching insurance, gas, electric, internet providers. I know that potentially this will save me hundreds over a year. So that is something that I should really make an effort with.

Increasing My Areas Of Income

I currently have three incomes.

My betting and trading portfolio

You can read more in depth about this here.

My job

There is room for progression but it would have a negative effect on both my betting and trading portfolio. Alongside this blog and any further projects I would like to work on.

I have always viewed my work as something that pays the bills. While I try to scale up my ability to make an full time income online. Whether this has/or will pay dividends in the long run I am not too sure.

This blog is probably the area of income that I could scale up the most. I currently make a small revenue from this site.

Mostly by being an affiliate for both Oddsmonkey and Profit Maximiser. Two services which provide the tools for making good money from the sports betting markets.

The beauty of the internet though is that there is always a broader audience to reach out. Whilst I am quite happy with the regular stream of traffic I get to this blog. I have become a little lazy with it. When there was only 10 or 20 people a day reading it. I was much more consistent in putting out content. Now there are a few hundred visitors a day I generally put up something once or twice a month.

Sam Priestley wrote a great blog post called Ethical online business – make money whilst sticking to your morals.

This really sums up how I feel about affiliation in the sports betting world. The people that make the most money are the ones that exploit problem gamblers.

Be this tipsters promoting bookmakers on a revenue share or review sites highlighting tipsters that have had one great month but are overall going to lose money.

You can make way more money exploiting the undisciplined punter or problem gambler.

Rather then showing that in order to really make money from the sports betting markets. Discipline and a long term view are key.

The truth is there are only a few good services that really offer value. So my options for increasing revenue to this site ethically is really to reach a broader audience and keep plugging matched betting, arbitrage and trading.

Retiring Early

Are you aiming to retire early?

Maybe you have accomplished your goal of early retirement?

If you have any good resources or advice share them in the comments.

Here a few resources that I found helpful 

The shockingly simple math behind early retirement

Early retirement made easy

Small business resources

Create multiple passive income streams



50K Betting And Trading Challenge – December Results, Goals For 2018

The last month of 2017 has been and gone. Did the betting and trading portfolio continue to bring in a profit?

Matched Betting – Sports Offers, Accumulators, Arbitrage


December was a pretty average month if terms of profit from matched betting offers and arbitrage. Running pretty poorly with the advantage betting accumulator refund offers. On a run of 36 consecutive losses at the moment. Would nice if they would turn around in January as that would boost profits quite considerably.

There were 203 matched betting offers, arbs and accumulator bets made in December.

A total profit of £578 was made.

Service Used

Oddsmonkey (Read The Review)

Subscription Cost – £12.50 a month (Annual Subscription)

Advantage Play – Casino Offers

The gods of variance were fairly kind this month with a £431 win from a £10 slots refund. Other then that though it feels pretty much like groundhog day slogging through casino offers. It can seem like you are just chucking money away with loss after loss. Then a one big win will shoot you back into the green.

I took part in 109 offers this month.

A total profit of £902 was made

Service Used

Profit Maximiser (Read The Review)

Subscription Cost – £9.60 a month  (Annual Subscription)

Trading Results

I focused more of my time on pre match trading this month. Looking at getting myself in positions where I think the risk vs reward ratio is favourable. Then relying on the markets to react as they usually do.

My biggest single profit was £44 on the Man City vs Bournemouth game.

A total profit of £160 was made from pre match trading.

Tipster Services

After removing Quentin Franks racing from my portfolio. I was looking at adding some other tipster services to fill the gap. At the moment however given my bankroll and the amount I would be staking it’s not worth it.

I think my time would be better off spent focusing on other areas. For example arbitrage where my money can compound and grow without the variance included with straight betting.

Lots of people seem to frown on arbitrage betting as its the quickest way to get your accounts closed. However there are several bookmaker that I have barely used for matched betting (Stan James, Sportingbet, Marathon.).

Arbitrage allows me to take some value from them before being limited. Makes sense to keep exploiting them until I can’t anymore. Then move on to the higher variance world of straight betting and following tipster services.

Sports Betting Results

In December I made 14 bets.

A total profit of £258 was made.

I should note the Sampdoria vs SPAL game is showing as the 2nd Feb 2099. This seems to be some kind of error with the software.


2017 has been a good year for me personally. I am healthy in a positive relationship and have an awesome little family.

In terms of financial goals I am not hitting the levels of profits I would have liked too. I can’t complain though as I am blessed to be living in a country and a time where these opportunities even exist. 

Not made any leaps in my trading. I just use methods that are relatively low risk and I have found to be consistently profitable in the long run.

My goals for 2018

  • Get out of the house more – I have found myself attached to my laptop way too much in 2017. In 2018 I really want to get out walking and being much more active.
  • Look at other investments – Matched betting, arbitrage and advantage play are great ways of compounding your original investment. In 2018 I really want to look at other ways of compounding my money passively.
  • Scale up pre match trading – I have been pre match trading for years now and feel really comfortable trading these markets. In the match odds markets I could really be using much larger stakes when the big opportunities arise.
  • Write more, develop this blog – Two of my favourite blogs to read are Sam Priestley’s blog and Mr Money Mustache. These are two blogs that I think offer a lot of value and cover really interesting subjects. I would really like to branch out and write about things that aren’t directly related to the sports betting markets. As once you understand Matched Betting, Arbing and Value Betting you have a really solid cornerstone to start making good money.


Matched Betting – Sports Offers


Advantage Play – Casino Offers


Trading Results


Sports Betting


Total Made 


50k Challenge Remaining Target