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re: What were your most surprising things about retirement?
Posted on 5/10/25 at 7:57 pm to Artificial Ignorance
Posted on 5/10/25 at 7:57 pm to Artificial Ignorance
I was told I would miss work.
I do not.
I enjoy leisure.
I help a bit more with household stuff.
I’m not depressed or angry as much.
It’s nice to just know I don’t have to deal with nonsense at work.
I don’t miss commuting.
I do not.
I enjoy leisure.
I help a bit more with household stuff.
I’m not depressed or angry as much.
It’s nice to just know I don’t have to deal with nonsense at work.
I don’t miss commuting.
1
Posted on 5/10/25 at 8:50 pm to lynxcat
Tbh I bet my main complaint in retirement will be not enough hours in the day.
Posted on 5/10/25 at 9:49 pm to makersmark1
quote:
I was told I would miss work.
I do not.
I enjoy leisure.
I help a bit more with household stuff.
I’m not depressed or angry as much.
It’s nice to just know I don’t have to deal with nonsense at work.
I don’t miss commuting.
Pretty accurate.
I am so much more relaxed.
So happy every morning when I wake up.
I loved my job and really enjoyed going to work, but when I walked out the door for the last time, I haven’t had a single thought about the office, the people, the business.
Posted on 5/11/25 at 6:27 am to Enadious
quote:
You need to set your base higher. Today, at a 4% return, 5M will bring in around 200K. The dollar buys 50% less every 20 years. In 30 years, your 5M will only generate 25K of buying power.
This is a ridiculously bad take. Terrible bad.
Posted on 5/11/25 at 6:51 am to Artificial Ignorance
I am surprised by how much I have to pay for Medicare (due to IRMA) and how much social security is taxed. Maybe not for long if Trump gets his way on exempting SS.
Posted on 5/11/25 at 7:07 am to ynlvr
Hopefully SS can become exempt from taxes soon. Apparently, this can’t be accomplished through reconciliation, which is currently being proposed as part of the “one, big, beautiful bill”. I assume it would need to be part of separate legislation.
There is a bipartisan legislative effort being introduced to increase the deduction rate for seniors over 65 from $3,200 to $10,000, for married couples filing jointly. That helps but not as significant as a full exemption on SS.
There is a bipartisan legislative effort being introduced to increase the deduction rate for seniors over 65 from $3,200 to $10,000, for married couples filing jointly. That helps but not as significant as a full exemption on SS.
This post was edited on 5/11/25 at 7:41 am
Posted on 5/11/25 at 10:17 am to Artificial Ignorance
Health health health
If you aren’t healthy, retirement can be a big frustration. Legs- take care of and strengthen your legs. Can’t take trips, golf, fish or do much else if your legs don’t support you
Friendships- maintain friendships. Spend time daily to help maintain friendships.
One thing that people don’t plan is the health of those around them. I had a neighbor and friend who had a nice place on 30a. We go visit for extended weekends and it’s a blast. One of our friends got sick and never recovered. It changed the whole chemistry of our group. Another friend started having issues with his legs and couldn’t climb stairs very well so they stopped coming. Things just changed and it was totally out of anyone’s control. The guy that owns the house went from entertaining up to 20 people at a time to rarely having 6 people there seldomly. Selfishly, it was a bummer for me but I know my friend is also bummed because he and his family really like entertaining. He’s retired, bought this nice place and was looking forward to entertaining people there and because of health issues of others, he got blindsided in a way.
Just my .02c
If you aren’t healthy, retirement can be a big frustration. Legs- take care of and strengthen your legs. Can’t take trips, golf, fish or do much else if your legs don’t support you
Friendships- maintain friendships. Spend time daily to help maintain friendships.
One thing that people don’t plan is the health of those around them. I had a neighbor and friend who had a nice place on 30a. We go visit for extended weekends and it’s a blast. One of our friends got sick and never recovered. It changed the whole chemistry of our group. Another friend started having issues with his legs and couldn’t climb stairs very well so they stopped coming. Things just changed and it was totally out of anyone’s control. The guy that owns the house went from entertaining up to 20 people at a time to rarely having 6 people there seldomly. Selfishly, it was a bummer for me but I know my friend is also bummed because he and his family really like entertaining. He’s retired, bought this nice place and was looking forward to entertaining people there and because of health issues of others, he got blindsided in a way.
Just my .02c
This post was edited on 5/11/25 at 12:14 pm
Posted on 5/11/25 at 10:25 am to Enadious
quote:
You need to set your base higher. Today, at a 4% return, 5M will bring in around 200K. The dollar buys 50% less every 20 years. In 30 years, your 5M will only generate 25K of buying power.
One sided financial math is incorrect and conclusion is grossly inaccurate.
This post was edited on 5/11/25 at 10:33 am
Posted on 5/11/25 at 10:27 am to SlidellCajun
Good wisdom sharing. Thank you!
Posted on 5/11/25 at 10:33 am to Artificial Ignorance
Do you plan to live where you live currently in retirement or are you going to look to live in a state that is more tax advantaged?
Posted on 5/11/25 at 1:23 pm to VABuckeye
Decision will be driven by where our kids live (primarily). This could mean change to more tax advantaged state. We shall see.
Posted on 5/11/25 at 3:17 pm to Artificial Ignorance
Yeah, it was going to be Spain for us until my son got engaged and they announced they plan to get a family going. I'm working to talk my wife into 6 months in Spain and 6 months in the US.
Posted on 5/12/25 at 9:57 am to Artificial Ignorance
How hard it is to actually retire. I am a year and a half into my supposed retirement, and people still keep finding things for me to do. At least I am working less than I used to.
Posted on 5/12/25 at 2:03 pm to Artificial Ignorance
Unlimited free time
Baton Rouge food bank
Red Cross
Keep Tiger town beautiful
No 5pm traffic
Baton Rouge food bank
Red Cross
Keep Tiger town beautiful
No 5pm traffic
Posted on 5/12/25 at 2:47 pm to Roscoe14
quote:I have this exact sign in our house. It doesn't help. My wife who is also retired especially has more time to keep burying me with a to do list. But since I am the great procrastinator, we still get to do a lot of fun things. I just have to make a small amount of progress frequently to stay out of the dog house.
I am a year and a half into my supposed retirement, and people still keep finding things for me to do.
Posted on 5/12/25 at 6:35 pm to CharlesUFarley
Want to hear more about this. I’ve saved up a decent chunk of change that should allow me to live off about $160k/year at least till I’m 105. Yet, I continue to work because I think I need more. I’m 52 but I’m seriously considering just calling it a day. I still have two kids at home as a senior in high school and one starting her freshman year in September.
Posted on 5/13/25 at 5:08 am to StreamsOfWhiskey
quote:
Want to hear more about this. I’ve saved up a decent chunk of change that should allow me to live off about $160k/year at least till I’m 105. Yet, I continue to work because I think I need more. I’m 52 but I’m seriously considering just calling it a day. I still have two kids at home as a senior in high school and one starting her freshman year in September.
Time is precious.
Work if you have to.
If you do not have to work, enjoy life.
Posted on 5/13/25 at 7:29 am to Artificial Ignorance
I just retired last week after being in the healthcare industry for over 42 years.
Top of mind:
1. Despite saving, planning for years for retirement, right or wrong, I now have a much acuter focus on what I have, where's it going to come from, what's going out the door etc. Worry a lot now about where the "big slugs of cash" will come from. You know, for that new water heater, new roof, car.
2. Miss the energy and mental focus. I wasn't in a real demanding job at the end. So, I did my thing, got paid good money, had over 6 weeks of PTO a year, so we could travel plenty.
3. Focusing on "how much time I have left" and what I stll want to do. Actuarially, they say the average male croaks at age 76. So in theory maybe I have 5-10 years left? Who knows.
4. Just finished having a total hip replacement and am going to have to do a prostate procedure next month. So, focus on health becomes more acute. I am in excellent physical health for my age overall.
5. We've always wanted to travel when we were "young", so have been blessed to have travel extensively. 35 countries plus many trips to NC, GA and FL over the years. Have a cruise starting in Norway in August, so really looking forward to that. We've plan to travel a lot in our "go go years" (next 5 let's say).
6. Our kids live near us, so we get to see them all the time.
7. If we go out to dinner, we can now avoid the "going on out weekends" feeling. We might go on an off night, say a Tuesday or Thursday, and we go early to avoid the crowds, say around 4 or 5pm.
Top of mind:
1. Despite saving, planning for years for retirement, right or wrong, I now have a much acuter focus on what I have, where's it going to come from, what's going out the door etc. Worry a lot now about where the "big slugs of cash" will come from. You know, for that new water heater, new roof, car.
2. Miss the energy and mental focus. I wasn't in a real demanding job at the end. So, I did my thing, got paid good money, had over 6 weeks of PTO a year, so we could travel plenty.
3. Focusing on "how much time I have left" and what I stll want to do. Actuarially, they say the average male croaks at age 76. So in theory maybe I have 5-10 years left? Who knows.
4. Just finished having a total hip replacement and am going to have to do a prostate procedure next month. So, focus on health becomes more acute. I am in excellent physical health for my age overall.
5. We've always wanted to travel when we were "young", so have been blessed to have travel extensively. 35 countries plus many trips to NC, GA and FL over the years. Have a cruise starting in Norway in August, so really looking forward to that. We've plan to travel a lot in our "go go years" (next 5 let's say).
6. Our kids live near us, so we get to see them all the time.
7. If we go out to dinner, we can now avoid the "going on out weekends" feeling. We might go on an off night, say a Tuesday or Thursday, and we go early to avoid the crowds, say around 4 or 5pm.
Posted on 5/13/25 at 7:57 am to Nole Man
quote:
say around 4 or 5pm
Senior Special time!
Congrats and enjoy Norway. We sure did.
Posted on 5/13/25 at 8:03 am to StreamsOfWhiskey
quote:
I’m 52 but I’m seriously considering just calling it a day.
The biggest concern I see for folks who retire young is providing for health insurance/care.
I can continue mine through my employer after retirement, but most folks don't have that advantage. It is hella $$$ on the private market.
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