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re: Retiring early and living longer
Posted on 7/30/26 at 4:49 pm to Cycledude
Posted on 7/30/26 at 4:49 pm to Cycledude
I can’t freaking wait to retire. Financial planner says I can at 55, but don’t know if I 100% believe him, given inflation, etc. Might let it ride to 58 or so, just in case, but have so many things I want to get into post retirement.
Posted on 7/30/26 at 4:56 pm to Cycledude
I make 6 months retired tomorrow. I am 55. It is incredible!
Will the increase in $ at 60 really change your life significantly? 5 years worth?
IMO, time > $.
Do it! Total freedom is hard to explain.
Will the increase in $ at 60 really change your life significantly? 5 years worth?
IMO, time > $.
Do it! Total freedom is hard to explain.
Posted on 7/30/26 at 5:17 pm to nicholastiger
quote:
most people retiring at 55 usually are 30 years in some kind of state agency or govt job
Not necessarily true. If you start investing early, often with $ by living below your means…55 (or earlier) is doable no matter the organization. Rule of 55, 72t, or a large taxable account can make it happen.
quote:
with costs of everything going up you better have all your debt paid off as well as your home paid off
If your nest egg can handle home P&I payments and the mortgage debt is cheap (<4% for example), and nest egg is earning >4%…I would not pay it off.
quote:
make sure your medical insurance coverage is adequate
This is very important.
Posted on 7/30/26 at 6:30 pm to Cycledude
Most of the folks i have seen die shortly after retirement only knew about work. They had no hobbies, weren’t much into exercise, and had very little to do everyday
Only caring about work your whole life is not gonna help get you anywhere
Only caring about work your whole life is not gonna help get you anywhere
Posted on 7/30/26 at 6:34 pm to Fat and Happy
Hope that’s not true cause my father in law is toast then
Posted on 7/30/26 at 6:38 pm to Cycledude
I retired at 45. On my 2nd week of retirement and it's been fantastic. The secret to life is having a wife that makes a ton of money.
Posted on 7/30/26 at 6:45 pm to Epic Cajun
My grandmas sat at home by herself for a few decades and just watched tv. She lived to be 92 and was still pretty sharp at that age.
Not saying that’s a good thing to do. But she lived long and did nothing. She wasn’t crazy sharp the last 10 years.
Not saying that’s a good thing to do. But she lived long and did nothing. She wasn’t crazy sharp the last 10 years.
This post was edited on 7/30/26 at 6:51 pm
Posted on 7/30/26 at 8:03 pm to SUB
Im trying to retire by 50 to the Phillipines. Already have 100k In Cash,
200k in various IRA and own 2 houses.
1 Paid for.
Got 10 years.
I wanna find a young gf and have kinds with her.
200k in various IRA and own 2 houses.
1 Paid for.
Got 10 years.
I wanna find a young gf and have kinds with her.
Posted on 7/30/26 at 8:06 pm to Sunnyvale
quote:
I wanna find a young gf and have kinds with her.
Raising kids in your 60s sounds rough.
Posted on 7/30/26 at 9:31 pm to Cycledude
I don't plan on working a day past 60, but if I can retire earlier than that, say 55, even better.
Life is too short to work your arse off your whole life. Enjoy what you can while we're still here. I have no wife or kids this helps too.
Life is too short to work your arse off your whole life. Enjoy what you can while we're still here. I have no wife or kids this helps too.
Posted on 7/30/26 at 11:14 pm to Cycledude
quote:
friend told me you will actually live longer if you retire at 55 because of less stress mentally and physically. Thoughts?
Depends on your situation, but it my situation, this is absolutely true. I retired the day I turned 59 1/2. That’s been about a year ago and my blood pressure dropped a full 10 points. All of my doctors noticed immediately and asked how I was able to do it. It is a damn shame that you have to ruin your health to make a decent living.
I tell people now to not be scared to retire as soon as you are financially able….these are my best years yet!
Posted on 7/30/26 at 11:18 pm to Cycledude
I'm coming to the realization that living longer just means seeing more friends and family die.
It is quite the dilemma.
It is quite the dilemma.
Posted on 7/31/26 at 5:40 am to Cycledude
I worked air traffic up until mandatory retirement at 56. I stacked up $ down the stretch, so I’m glad I stayed. But I’m also living a healthier life now in retirement. Nice to be off shift work and get into a normal sleep pattern.
My inspiration now is to be healthy enough to continue DIY Western big game hunting and climbing trees to hunt whitetails.
My inspiration now is to be healthy enough to continue DIY Western big game hunting and climbing trees to hunt whitetails.
Posted on 7/31/26 at 9:59 am to Cycledude
quote:
A friend told me you will actually live longer if you retire at 55 because of less stress mentally and physically.
And run out of money.
Posted on 7/31/26 at 10:04 am to Redbone
quote:
My list had 5 items on it when I retired. In all those years I have it worked down to 11.
I have discovered if I don't complete anything on the Honey-Do list, the wife has no room to add anything.
(I don't permit addendum pages.)
Posted on 7/31/26 at 10:55 am to Epic Cajun
quote:
If you retire at 55 and you aren’t active at all and just sit at home and do nothing, you would probably die earlier than if you retire at 60.
But, if you retire and live an active healthy lifestyle post retirement, I would think you’re better off retiring at 55.
This is why a lot of doctors work well into their late 60's and early 70's. The change in structure/purpose, staying up to date on medical research/technology keeps their minds functioning. If they retire, most feel out of sorts/without purpose and tend to decline quicker.
Posted on 7/31/26 at 11:14 am to tke_swamprat
Its sad how people relate making money to being unhappy in life. There's a lot of things you can do to make money and still be happy.
This whole "retirement" thing is such a boomer type philosophy for people that hated their life.
My dad was military and government employee for 40 years and now makes $30-40k a year as a bee keeper, probably works harder than he ever did, and loves his life. Frankly pisses me off he'll miss family events for his bee keeping. But he is super happy and loves it.
I'm not saying everyone can make money with just a hobby like that, I just don't think you have to look at a job as either a miserable job or a volunteer. You can truly enjoy making an income even if its small.
This whole "retirement" thing is such a boomer type philosophy for people that hated their life.
My dad was military and government employee for 40 years and now makes $30-40k a year as a bee keeper, probably works harder than he ever did, and loves his life. Frankly pisses me off he'll miss family events for his bee keeping. But he is super happy and loves it.
I'm not saying everyone can make money with just a hobby like that, I just don't think you have to look at a job as either a miserable job or a volunteer. You can truly enjoy making an income even if its small.
Posted on 7/31/26 at 11:15 am to tke_swamprat
quote:
This is why a lot of doctors work well into their late 60's and early 70's. The change in structure/purpose, staying up to date on medical research/technology keeps their minds functioning. If they retire, most feel out of sorts/without purpose and tend to decline quicker.
Many also have multiple ex wives and live above their means, they are forced to keep working to keep up their lifestyle.
Posted on 7/31/26 at 12:09 pm to Cycledude
quote:
A friend told me you will actually live longer if you retire at 55 because of less stress mentally and physically
Do you hate your job? Ambivalent? Or do you love it?
If it a no or low stress job why retire if you can sock away some extra coin?
Or partially retire and make money while doing other things at the same time?
Posted on 7/31/26 at 12:37 pm to tke_swamprat
quote:
This is why a lot of doctors work well into their late 60's and early 70's. The change in structure/purpose, staying up to date on medical research/technology keeps their minds functioning. If they retire, most feel out of sorts/without purpose and tend to decline quicker.
We have a family friend that is in his mid-70’s and still works remotely part time as a radiologist. I think it gives him some purpose, as he’s a widower.
I’d find purpose doing something other than “work”, but different strokes for different folks.
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