Retirement: Experiences, In Retrospect, Lessons Learned etc. · Page 4

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frankj1
Herf-A-Holic

6 years ago

#61

Probably will. I’ve got thick skin so I’ll be fine.

How are you buddy?

Abrignac wrote:

I know you can handle it...

I'm getting it done, have my weak moments, take a deep breath and take another step forward.
trying to lift a significant other up here wif me, but it's been a mighty struggle.
Luckily I'm too stoopid and too much in love to evah quit.

I owe you a call, couldn't talk when you called a few days ago. But we'll talk at some point.
Thanks for trying to reach me though.

Whistlebritches
Herf-A-Holic

6 years ago

#62

There ain't one mother fooker on his/her death bed that says, I should have worked more or longer.

Not fookin' ONE.

Retire when you can afford to. Fill the time with something you LIKE to do.

MACS wrote:

DITTO!!!

8trackdisco
Herf-A-Holic Topic Starter

6 years ago

#63

I retired at 50. Was peddling pickles within six months to cure boredom. At 54 I remodel homes. Don't retire until you have some activity to fill the void. Otherwise, you will be miserable.

Abrignac wrote:

Have a hobby or you'll just end up jerkin a gerkin. Got it.

frankj1
Herf-A-Holic

6 years ago

#64

but that is my hobby

pacman357
Herf-A-Holic

6 years ago

#65

I would kill for that schedule. Seriously, let me know who I have to take out...

izonfire wrote:

Dude, I wasn't the best student in math class, but even *I* can tell the obvious answer there. C'mon, think hard....

Also, this weekend I realized the cruel irony of a "fixed" income: you're always broke. They should call it a broke income.

MACS
Herf-A-Holic

6 years ago

#66

Conversation completed.

Learned a few things... If I leave next year, it gives me less time to pad my investments, of course. The pension before taxes is okay. I've got another stick in the fire, and I will wait until that evolution comes to a close before I make a final decision.

I will likely get some kind of work, for at least a few years anyway, to stay busy and to pad the investment fund a bit but at this point it's looking like I might go next July 1.

8trackdisco
Herf-A-Holic Topic Starter

6 years ago

#67

Nice to have options.

delta1
Herf-A-Holic

6 years ago

#68

abbynads jerks gherks? whodathunkit...he seems so macho...

delta1
Herf-A-Holic

6 years ago

#69

MACS wrote:

that's great...a few years earlier than previously thought.....

but like you said...if you can afford it, pull the plug...I went at least 2 years earlier than planned...

Edited by user 3 years ago | Reason: Not specified

Palama
Herf-A-Holic

3 years ago

#70

Moot point for me so more for the "younger" set that's inching towards the goal line. But has anyone's thoughts about retiring changed?

MACS
Herf-A-Holic

3 years ago

#71

I retired about 8 months after this thread was started. 2+ years staying in CA and living on the retirement income from Uncle Sam and Uncle Cali. Didn't use any of my 401/457 money.

Sold the house, made a tidy profit, moved to Florida. Have more in the bank than I did in CA and it's holding steady. Still haven't used the 401/457 and now the wife is retired, too.

So far so good... but we do get a little bored sometimes.

Gene363
Herf-A-Holic

3 years ago

#72

Almost ten years retired, I love being retired. I did worry and plan a lot before I retired, I made spreadsheets, inflation projections etc, to make sure I would not run out of money before kicking off.

The escape pod: https://cigarbid.freeforums.net

frankj1
Herf-A-Holic

3 years ago

#73

won't be touching IRAs/401Ks/403B's until we have to...other than those inherited which aren't needed and feel so wrong

deadeyedick
Herf-A-Holic

3 years ago

#74

won't be touching IRAs/401Ks/403B's until we have to...other than those inherited which aren't needed and feel so wrong

frankj1 wrote:

Been touching our IRAs for a few years now with the fine guidance of the RMD. Spent so many years being a saver and investor it is not in my mindset to be a spender.

MACS
Herf-A-Holic

3 years ago

#75

won't be touching IRAs/401Ks/403B's until we have to...other than those inherited which aren't needed and feel so wrong

frankj1 wrote:

Not wrong at all, Frankie. Blessed.

The idea is that we want our kids to have it better, right? Then if you're leaving some to your kids, enjoy what your parents were able to leave for you. My $.02

Gene363
Herf-A-Holic

3 years ago

#76

Been touching our IRAs for a few years now with the fine guidance of the RMD. Spent so many years being a saver and investor it is not in my mindset to be a spender.

deadeyedick wrote:

I know that feeling, but you cannot take it with you and like I said to my relatives, "I'm not looking for an inheritance, spend it." Same thing for our sons. And unfortunatly, if a survivor needs your money, it's likely to evaporate anyway, I know that sounds bad, but it's too often true.

That last comment is not directed at DED, just a general comment and yes, I'm an arsehole for saying it.

The escape pod: https://cigarbid.freeforums.net

deadeyedick
Herf-A-Holic

3 years ago

#77

Been touching our IRAs for a few years now with the fine guidance of the RMD. Spent so many years being a saver and investor it is not in my mindset to be a spender.

deadeyedick wrote:

EDIT: We did set up a CRT to a charity we both wanted to help.

Edited by user 3 years ago | Reason: Not specified

Gene363
Herf-A-Holic

3 years ago

#78

Not wrong at all, Frankie. Blessed.

The idea is that we want our kids to have it better, right? Then if you're leaving some to your kids, enjoy what your parents were able to leave for you. My $.02

MACS wrote:

A reasonable middle of the road idea.

The escape pod: https://cigarbid.freeforums.net

frankj1
Herf-A-Holic

3 years ago

#79

Not wrong at all, Frankie. Blessed.

The idea is that we want our kids to have it better, right? Then if you're leaving some to your kids, enjoy what your parents were able to leave for you. My $.02

MACS wrote:

the good part is what came from Caren's parents.
The part that feels wrong is a couple small accounts that Danny had started...

MACS
Herf-A-Holic

3 years ago

#80

the good part is what came from Caren's parents.
The part that feels wrong is a couple small accounts that Danny had started...

frankj1 wrote:

I can only imagine how that feels. 😞

Maybe let them grow and leave them to grandkids on his behalf? I'm just spit-ballin' buddy... I'm sure you've agonized over it.

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