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Retirement


Congratulation friend. More time to spend fishing, gardening and of course watching Swindon. Most importantly ALL of your time with Ted, he's going to love having all your time. Enjoy it while youre healthy!

Appreciated Mate. Ted loves Fridays, he knows. It‘s chicken night ❤️👍
Enjoy it - did the same two years ago - handed in laptop and stuff, lanyard, pass and never looked back once . You will miss some people, keep in touch with the ones that you want, and not miss others to be honest. Enjoy the strangeness of the first first few week and then embrace the fact that you are now in charge of your very own timetable, you can go when and where and how you like and at a pace to suit yourself and family. Do all the stuff you never had time to do when you were working. Keep fit and healthy and the rest takes care of itself. Welcome to the wonderful world of retirement:D

Nice one Mate.
Christmas starts tonight. Not going to miss Mondays.
Just beware of the opposite stress of having all that time on your hands after being busy and time poor for the last 40 odd years.

It takes a little while to get used to...or at least it did in my case.
Happy retirement.

This is spot on Mate as I am a 100mph person.
Need to come out of the fast lane slowly and will take time to adjust.
Nothing wrong with being mindful 👍
 
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Been retired 3 months now and the only routine I found difficult to get out of was going to bed at a sensible hour. With cricket usually being played in loads of different time zones I stop up a bit later now watching a game somewhere. Oddly if I have a lie in I think the neighbours will be seeing the blinds still closed at 10am and think "f*cking lazy slob".

Done all the jobs around the house that needed doing. Filling my time is getting a bit harder. Might get a bit of part time work in the New Year (3 days/15 hours a week or summat). The thought of being an employee again fills me with dread though.
 
Nearly 2 years retired now haven't missed work, NHS LOOK after grandkids couple days a week . Cook clean for Mrs as she works. Do what I want during week. When haven't got kids.Football at weekend.
 
Been retired 3 months now and the only routine I found difficult to get out of was going to bed at a sensible hour. With cricket usually being played in loads of different time zones I stop up a bit later now watching a game somewhere. Oddly if I have a lie in I think the neighbours will be seeing the blinds still closed at 10am and think "f*cking lazy slob".

Done all the jobs around the house that needed doing. Filling my time is getting a bit harder. Might get a bit of part time work in the New Year (3 days/15 hours a week or summat). The thought of being an employee again fills me with dread though.
That " employee fills you with dread " line...
You could get a part time job if it's crap after a week walk ,you don't ( i think ) need it and it's just for beer money , but you might find a great number with good workmates and you get extra money ,winner winner !.
 
Everyone should enjoy your last day of work. I didn't get one really as I left a contract just before covid and for that and other reasons a year later I basically retired without working another day. Felt a real let down after almost 40 years of work to just peter out like that.
 
That " employee fills you with dread " line...
You could get a part time job if it's crap after a week walk ,you don't ( i think ) need it and it's just for beer money , but you might find a great number with good workmates and you get extra money ,winner winner !.

I'd probably hoy the money at the grandkids tbh. Wouldn't mind a job that's a bit interactive with the public. I spent years working fairly solitary in a office so would be a complete change.
 
I'd probably hoy the money at the grandkids tbh. Wouldn't mind a job that's a bit interactive with the public. I spent years working fairly solitary in a office so would be a complete change.

I wouldn't mind doing something like a supermarket delivery driver. No responsibility other than getting to an address at the time given. Not having to care about profit and loss, corporate politics or sales strategies. Gets you out of the house/pub, some social interaction, do your job then go home.
 
I wouldn't mind doing something like a supermarket delivery driver. No responsibility other than getting to an address at the time given. Not having to care about profit and loss, corporate politics or sales strategies. Gets you out of the house/pub, some social interaction, do your job then go home.

If moneys not an issue, could just do some volunteering at a local charity shop or something
 
If moneys not an issue, could just do some volunteering at a local charity shop or something

Maybe - still 5-ish years to go for me but I wouldn't be against some volunteering. Either that or a bit of self-employment where I could pick and choose my own hours. Hopefully money won't be much of an issue (a few good years with the stock market would help!) but more to give me something to do.
 
The thought of being an employee again fills me with dread though.
I think you ll have a different approach to employment not being a wage slave etc.

I dropped back in for a couple of years and was wholly detached from the corporate shit - didn’t need the cash so wasn’t beholding to the nonsense - in fact I spoke my mind not worrying about the consequences.

Just elevate yourself from the process - you are doing it for your benefit no theirs which is rather wonderful !
 
Thought it was worth mentioning here- previously we'd discussed money purchase pension pots and where to invest them

Back in Oct ish I followed the advice of a poster on here and switched 70% of my pot into a Global Equities fund ( split between US / Europe & invested in many different sectors - but particularly tech stox ( Meta , Apple , Amazon etc etx)

Happy to say its risen by 10% since Oct
 
I was thinking of this thread as the year clocked around to 2024. My plan is:
- Drop to a lower grade, part time job in 2035
- Retire completely in 2037

That brings me down to just 11 years of main career work now. Still a long way to go, but I'm 1 year into a 'new' job, which I thought would be a 3-4 year post. That brings me down to 8 or 9 years of career to plan out. If I move on to another job for 4 years after this, it really starts to break down that 11 years.

It looks like the interest rate rises added 6 months to my mortgage which means that part of the plan is behind. But then my pension (USS) has resorted back to the previous scheme of lower payments and more out, after they admitted they had screwed members by increasing payments in and reducing payments out. If I put the take home wage increase that gives and put it into mortgage over payments, then I'm back on track.
 
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