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Retirement

Butcher's Coat said:
Love retirement me like.
If you get the chance - do it.
It's not a dress rehearsal - we only get one go at life. Enjoy it.
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I am in the adjustment stage.
60 and do I miss the Corporate Business World - not one little bit.

I finished December. Still plenty of jobs around the house and need to get these done.
Adjusting to the fact that these no longer need strict timescales to them, can take some time which I have never had.
I have been feeling guilty, Mrs still working but only 4 days a week and not a stressful job. Just need to adjust my mind.
My Eldest at University and youngest at 6th form. I still feel responsible for them, which is right however have given them everything and they don’t ask for anything.

Financially I have a plan and it’s OK, saved hard all my life, worked since 16, no gaps in between thus I think I deserve to hang up my boots.
Just some work to do in this daft head to move the guilt factor out of it.

Spot on comments Mate.
 

Swindon On Tour said:
I am in the adjustment stage.
60 and do I miss the Corporate Business World - not one little bit.

I finished December. Still plenty of jobs around the house and need to get these done.
Adjusting to the fact that these no longer need strict timescales to them, can take some time which I have never had.
I have been feeling guilty, Mrs still working but only 4 days a week and not a stressful job. Just need to adjust my mind.
My Eldest at University and youngest at 6th form. I still feel responsible for them, which is right however have given them everything and they don’t ask for anything.

Financially I have a plan and it’s OK, saved hard all my life, worked since 16, no gaps in between thus I think I deserve to hang up my boots.
Just some work to do in this daft head to move the guilt factor out of it.

Spot on comments Mate.
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Don't you feel any guilt marra.
You've worked hard - now enjoy it.
 
3 days left (Smug Git alert)

Heading down to London HQ this afternoon to hand in lap top and do a victory lap of friends and colleagues.

Leaving do tomorrow night then gentle drive home on Thursday.

Retired at 61, 6 years later than planned but divorce is expensive.

Loads planned for this year.

[Insert Happy Dance Emoji here]
 
Swindon On Tour said:
I am in the adjustment stage.
60 and do I miss the Corporate Business World - not one little bit.

I finished December. Still plenty of jobs around the house and need to get these done.
Adjusting to the fact that these no longer need strict timescales to them, can take some time which I have never had.
I have been feeling guilty, Mrs still working but only 4 days a week and not a stressful job. Just need to adjust my mind.
My Eldest at University and youngest at 6th form. I still feel responsible for them, which is right however have given them everything and they don’t ask for anything.

Financially I have a plan and it’s OK, saved hard all my life, worked since 16, no gaps in between thus I think I deserve to hang up my boots.
Just some work to do in this daft head to move the guilt factor out of it.

Spot on comments Mate.
Click to expand...
Watch out for those boomerang kids coming back to eat you out of house and home! Our two have both done Uni, youngest now back with us teacher training. No income yet so we can't charge rent but he can empty a fridge easy enough.
 
Butcher's Coat said:
Love retirement me like.
If you get the chance - do it.
It's not a dress rehearsal - we only get one go at life. Enjoy it.
Click to expand...
What age did you retire at?
Swindon On Tour said:
I am in the adjustment stage.
60 and do I miss the Corporate Business World - not one little bit.

I finished December. Still plenty of jobs around the house and need to get these done.
Adjusting to the fact that these no longer need strict timescales to them, can take some time which I have never had.
I have been feeling guilty, Mrs still working but only 4 days a week and not a stressful job. Just need to adjust my mind.
My Eldest at University and youngest at 6th form. I still feel responsible for them, which is right however have given them everything and they don’t ask for anything.

Financially I have a plan and it’s OK, saved hard all my life, worked since 16, no gaps in between thus I think I deserve to hang up my boots.
Just some work to do in this daft head to move the guilt factor out of it.

Spot on comments Mate.
Click to expand...
When you are doing stuff, how early in the day do you get started?

It is one thing I have noticed on a weekend. I will often wake up about 7am naturally, but then read in bed for a bit. Then I'll often have a cup of tea and spend an hour doing one of my computer based projects. By the time I have had a shower and walked the dog, it can often be 10:30 before I'm gardening or something.

Sometimes I get frustrated and feel like I have wasted half the morning, and would I just waste time slowing down when I retire. But then other days I look at it and think I spent half an hour reading, an hour programming or some other activity and sometimes took the dog for a longer walk. May be if I really wanted to get the more physical stuff done, I would start earlier.
leyburnrunner said:
Watch out for those boomerang kids coming back to eat you out of house and home! Our two have both done Uni, youngest now back with us teacher training. No income yet so we can't charge rent but he can empty a fridge easy enough.
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That is a difficult one when you are feeding them. We moved from Yorkshire to Kent and our house took ages to sell. We moved in with the in-laws for a couple of months and it ended up being a year. But we had our own shelf in the fridge and paid a small amount of rent (after argument to pay anything) to cover the increase in bills. Sometimes we did bigger family meals where they cooked for us and bought the food, but then we would do the same other times.
 
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Town End Farmer Giles said:
I had always thought 60, maybe 62. But a heart attack made me rethink it, 57 is a bit early financially but I'd rather retire sooner and risk running short of cash than risk retiring later and being too unwell to enjoy it.

Cash is easier to plan for than time.
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Wise words and spot on.
A few funerals and friends lost younger than me was a major factor in getting out.
The job was slowly killing me, I knew it, sleepless nights, stress no support etc.

I now sleep like a baby and Sunday nights the barometer of why I know I made the right decision.
Health my friend is eveything 👍
 
DaveH said:
That is the key, being mortgage free. I was planning on being free at 50 and falling a little short. Interest rate rises says about 51.5 now. I might be able to knock that down a bit, but retiring with a mortgage is not going to happen.

I don't know if the bloke has kids. When I'm 50, my kids will be 20 and 16, so I'll still be funding them.

Like you say, with a military and police pension (which I know are very good at 50), then I can see how he does it.

The key bit he said was find a hobby and find something to do. I'm good at that and keep picking up ideas. I've always loved woodwork and the natural beauty of wood, and I'm a guitar player, playing more in recent years than I have ever done. And I've spent the last few days watching videos about guitar building from scratch. But with that comes expensive chunks of wood, if you want decent tools, that is expensive.

I'd rather work a couple more years and have the cash to afford hobbies like that, than having all the time but not the money and wishing I could have decent woodworking tools etc.
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His hobby appears to be making NUFC vlogs.
Butcher's Coat said:
56 marra.
I had to, my neck is fucked, and I was struggling with the physical nature of my job.
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Explains why you watch the pennies so closely.....

Joking aside sounds like you put the graft in.
 
Slatz63 said:
3 days left (Smug Git alert)

Heading down to London HQ this afternoon to hand in lap top and do a victory lap of friends and colleagues.

Leaving do tomorrow night then gentle drive home on Thursday.

Retired at 61, 6 years later than planned but divorce is expensive.

Loads planned for this year.

[Insert Happy Dance Emoji here]
Click to expand...

Superb Mate now a stressful life of Supporting Sunderland 🤣
Seriously well done 👍🍺
 
leyburnrunner said:
Watch out for those boomerang kids coming back to eat you out of house and home! Our two have both done Uni, youngest now back with us teacher training. No income yet so we can't charge rent but he can empty a fridge easy enough.
Click to expand...

Without doubt.
My eldest at Uni comes home and works at Tesco’s to give himself money. So proud of him. Of course I would love to give him more, he never asks for it mind.
When home we don’t charge him anything. Ffs he can’t even hang a shirt up in a wardrobe 🤣
 
natinnam said:
Yeah, watched that and he doesn't really say anything other than what common sense tells you anyway. Mortgage free I assume with military/police pensions, he'll have enough to get by, zero details to make anyone think, shit I could manage that!
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If he has done 34 years in the Army and Police his DB Pension will be decent, even by taking it early, probably more than the average joe would get retiring at pension age
 
DaveH said:
…

It does make you wonder if there should be more support for people who have done a physical job. I know a lot of builders have knackered knees from kneeling a lot.
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Kudos to them for supporting BLM.
DaveH said:
Nice. I've got a similar plan but just over 13 years for me. I might be able to drop to a fairly basic job at 58 and not save but not need savings either. Perhaps part time. Still a long way to go....
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It’s good to have options though, instead of being forced into decisions.
 
DaveH said:
Thumbs up to being able to retire at that age. Shame about your neck though.

It does make you wonder if there should be more support for people who have done a physical job. I know a lot of builders have knackered knees from kneeling a lot.
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Anyone with a physical job will do well to plough through to state retirement age. There are exceptions but most I know are fucked by my age.

Missus works in a care home and most of the older staff are dropping to bits. She finds it tough at times but luckily she's not full time.
 
DaveH said:
What age did you retire at?

When you are doing stuff, how early in the day do you get started?

It is one thing I have noticed on a weekend. I will often wake up about 7am naturally, but then read in bed for a bit. Then I'll often have a cup of tea and spend an hour doing one of my computer based projects. By the time I have had a shower and walked the dog, it can often be 10:30 before I'm gardening or something.

Sometimes I get frustrated and feel like I have wasted half the morning, and would I just waste time slowing down when I retire. But then other days I look at it and think I spent half an hour reading, an hour programming or some other activity and sometimes took the dog for a longer walk. May be if I really wanted to get the more physical stuff done, I would start earlier.

That is a difficult one when you are feeding them. We moved from Yorkshire to Kent and our house took ages to sell. We moved in with the in-laws for a couple of months and it ended up being a year. But we had our own shelf in the fridge and paid a small amount of rent (after argument to pay anything) to cover the increase in bills. Sometimes we did bigger family meals where they cooked for us and bought the food, but then we would do the same other times.
Click to expand...

Not much different to you.
My built in alarm clock wakes me up around 7. I am always up around 7:30 to 8:00.
I catch up on the news, finances etc with a cup of tea then out with the dog.
Instead of walking fast and rushing it’s just wonderful to stop and chat to people. The dog loves meeting his friends so everyone a winner.
I know what you mean regarding feeling annoyed if you start jobs late but don’t because you now have time.
I am painting every room have a big garden that I am currently weeding and sorting out before Spring. Already I want to finish these and keeping telling myself to slow down.
Visiting my Mum (Mam) tonight before going to football.
Hope to go fishing tomorrow.
This afternoon the second coat on the skirting boards and door frames in one of the bedrooms with the music playing.

It’s better than work, just keep reminding yourself.
My Mate is a legal councillor for Aston Martin, Mrs number two been messing him about, he has a huge mortgage, kids from two marriages.
I feel for him, earns big money but facing the fact that he might have to work 30 plus more years, will be downsizing already.
All about life and enjoyment. Stress is not good for any of us and I’ve lived with it through work far too long.

We all have to stop work at sometime - my plan was get out the first day I could.
 
Butcher's Coat said:
Love retirement me like.
If you get the chance - do it.
It's not a dress rehearsal - we only get one go at life. Enjoy it.
Click to expand...
Yup, was fortunate to retire 4 years ago during covid, bit early fir me as I was only 54 at the time, but had redundancy, good pension pot and it class. Think ive also neen quite lucky as i had the same job and paid into pension scheme since leaving school at 16.
 
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