I'm looking forward to it. Hoping maybe six years or so.
House will be paid off in 10 years....it's a 3% rate so no real reason to pay it early. I actually backed off and quit paying extra principal when rates went back up.
Remember the Thomas Nine !! (10/02/2018) The Golden Age is 2 months away. And guess what….. you’re gonna love it! (teskeinc 11.19.24)
1998: Noblesville; 2003: Noblesville; 2009: EV Nashville, Chicago, Chicago 2010: St Louis, Columbus, Noblesville; 2011: EV Chicago, East Troy, East Troy 2013: London ON, Wrigley; 2014: Cincy, St Louis, Moline (NO CODE) 2016: Lexington, Wrigley #1; 2018: Wrigley, Wrigley, Boston, Boston 2020: Oakland, Oakland:2021: EV Ohana, Ohana, Ohana, Ohana 2022: Oakland, Oakland, Nashville, Louisville; 2023: Chicago, Chicago, Noblesville 2024: Noblesville, Wrigley, Wrigley, Ohana, Ohana; 2025: Pitt1, Pitt2
the biggest thing for me with retirement is what to do with my time once I retire. Don't have kids and travel to sightsee is not really my thing. Can't imagine sitting around all day. Pearl Jam will be close to done by the time I'm ready to retire. So need to decide how to spend my time once I decide to retire. I'm probably still 7-10 years away from retirement so don't have to decide right now what I want to do. I just pray i get the opportunity to enjoy it once I do retire. My dad was set to retire and got cancer and died 1 year before he was going to retire. To this day it kills me that he got so close and didn't get to enjoy his later years.
Sorry about your Dad. Very similar situation for me. My dad was diagnosed with lung cancer right after he retired. Got less than 2 years of retirement, only the first half of which he was healthy enough to really enjoy. Fuck Cancer right in its fucking face.
Personal Finance is now offered at most colleges but 100% agree it needs more emphasis.
Shouldn’t be offered in college. It should be part of a mandatory curriculum in high school. Just my opinion.
I support this 100%. If you are old enough to work, than you should be taught how to handle your finances. More useful than Algebra. My kids 19 and 16 have no clue about credit, interest or savings. They just say "dad, I need a new phone." Or a new Macbook. Starting to have those hard conversations with my 16 year old who thinks she might be attending a university that costs 100k per year.
the biggest thing for me with retirement is what to do with my time once I retire. Don't have kids and travel to sightsee is not really my thing. Can't imagine sitting around all day. Pearl Jam will be close to done by the time I'm ready to retire. So need to decide how to spend my time once I decide to retire. I'm probably still 7-10 years away from retirement so don't have to decide right now what I want to do. I just pray i get the opportunity to enjoy it once I do retire. My dad was set to retire and got cancer and died 1 year before he was going to retire. To this day it kills me that he got so close and didn't get to enjoy his later years.
How to occupy our time has been the easiest part of this retirement decision for my wife and I. We both love the Orlando area and have been vacationing there twice a year for 15 years. We will move there, and mainly enjoy the warm weather. We will be basically the same distance from the Gulf coast and the Atlantic coast. So I see many drives to the Ocean in our future. My wife has always loved to travel and has been all over Europe. I'm guessing trips to Italy, Germany, etc. will become a yearly adventure, or every 2 years.
A daily routine of relaxing at the pool, and venturing over to Epcot for some dinner, sounds fantastic to us. People can laugh and think we are foolish, but we love Disney.
The sun Trips to the Ocean Disney fun One trip a year......to who knows where.
I am ready for retirement.
Disney is an awesome vacation. Will likely be a family vacation with my daughter every couple years for a very long time even after she goes away to college
Heat, lines, outrageous cost, sweat, stupid people
My sister and sister in law dud a ton of research. Ordered fast passes for the rides we knew they’d work the best. Only line I recall being insanely long was Avatar. 2.5 hours. I was a whiny bitch the entire time. 😂 as soon as ee got off, I immediately wanted to go back in line.
Plus, we rented a house about 20 minutes away from the park, and took a day in between disney visits to recover. 3 days at the park, 10 days in the house. All 12 of my family, pool, hot tub, Christmas and New Years with no snow, etc. One of our best vacations ever.
"Oh Canada...you're beautiful when you're drunk" -EV 8/14/93
Speedy is right. I like the JW Marriott/Ritz in Orlando, but I do not ever want to leave the property. We have never taken the kids to Disney World. We have done it in Japan. Not for me.
Speedy is right. I like the JW Marriott/Ritz in Orlando, but I do not ever want to leave the property. We have never taken the kids to Disney World. We have done it in Japan. Not for me.
I don't go when I know the kids are off school and the parks are packed. I don't go during Spring Break, Thanksgiving, and Christmas, when the parks are packed. I don't go when it's 110 degrees out and I'm gonna give myself my 3rd heart surgery. Haha
I cant do any of the real "thrill" rides anymore, again because of my heart. So basically we walk around, get our 10,000 steps in, watch all the families loving the moment, she gets her ice cream or whatever sweets she has discovered, and we enjoy the day. We hop on a little boat and go over to the Boardwalk and get a lovely dinner. A short walk to Hollywood Studios for a fireworks show, another boat ride, back to my car, and back home.
I can EASILY do that 1 or 2 times a week. A yearly pass at $1200, with parking included, is A BARGAIN. For us anyway.
Take me piece by piece..... Till there aint nothing left worth taking away from me.....
Speedy is right. I like the JW Marriott/Ritz in Orlando, but I do not ever want to leave the property. We have never taken the kids to Disney World. We have done it in Japan. Not for me.
I don't go when I know the kids are off school and the parks are packed. I don't go during Spring Break, Thanksgiving, and Christmas, when the parks are packed. I don't go when it's 110 degrees out and I'm gonna give myself my 3rd heart surgery. Haha
I cant do any of the real "thrill" rides anymore, again because of my heart. So basically we walk around, get our 10,000 steps in, watch all the families loving the moment, she gets her ice cream or whatever sweets she has discovered, and we enjoy the day. We hop on a little boat and go over to the Boardwalk and get a lovely dinner. A short walk to Hollywood Studios for a fireworks show, another boat ride, back to my car, and back home.
I can EASILY do that 1 or 2 times a week. A yearly pass at $1200, with parking included, is A BARGAIN. For us anyway.
It's great you found something you both like and $1200 is not expensive at all. Heck my swim club is $3500 for Memorial day to Labor day. And we maybe go six times.
Speedy is right. I like the JW Marriott/Ritz in Orlando, but I do not ever want to leave the property. We have never taken the kids to Disney World. We have done it in Japan. Not for me.
I don't go when I know the kids are off school and the parks are packed. I don't go during Spring Break, Thanksgiving, and Christmas, when the parks are packed. I don't go when it's 110 degrees out and I'm gonna give myself my 3rd heart surgery. Haha
I cant do any of the real "thrill" rides anymore, again because of my heart. So basically we walk around, get our 10,000 steps in, watch all the families loving the moment, she gets her ice cream or whatever sweets she has discovered, and we enjoy the day. We hop on a little boat and go over to the Boardwalk and get a lovely dinner. A short walk to Hollywood Studios for a fireworks show, another boat ride, back to my car, and back home.
I can EASILY do that 1 or 2 times a week. A yearly pass at $1200, with parking included, is A BARGAIN. For us anyway.
It's great you found something you both like and $1200 is not expensive at all. Heck my swim club is $3500 for Memorial day to Labor day. And we maybe go six times.
Funny you mentioned swimming.
So last summer we both join the outdoor pool, 5 minutes from the house. A month later we are both tanned like movie stars, I'm doing lap swim for 20-30 minutes a day. We are having a fantastic summer!
Then I slip, at the pool, fall down, look at my leg and there is a good 6 inch gash on it, end up at a clinic for 10 stitches.
And like that, my Summer of Fun came to an end. Hahaha
Take me piece by piece..... Till there aint nothing left worth taking away from me.....
Speedy is right. I like the JW Marriott/Ritz in Orlando, but I do not ever want to leave the property. We have never taken the kids to Disney World. We have done it in Japan. Not for me.
I don't go when I know the kids are off school and the parks are packed. I don't go during Spring Break, Thanksgiving, and Christmas, when the parks are packed. I don't go when it's 110 degrees out and I'm gonna give myself my 3rd heart surgery. Haha
I cant do any of the real "thrill" rides anymore, again because of my heart. So basically we walk around, get our 10,000 steps in, watch all the families loving the moment, she gets her ice cream or whatever sweets she has discovered, and we enjoy the day. We hop on a little boat and go over to the Boardwalk and get a lovely dinner. A short walk to Hollywood Studios for a fireworks show, another boat ride, back to my car, and back home.
I can EASILY do that 1 or 2 times a week. A yearly pass at $1200, with parking included, is A BARGAIN. For us anyway.
It's great you found something you both like and $1200 is not expensive at all. Heck my swim club is $3500 for Memorial day to Labor day. And we maybe go six times.
Funny you mentioned swimming.
So last summer we both join the outdoor pool, 5 minutes from the house. A month later we are both tanned like movie stars, I'm doing lap swim for 20-30 minutes a day. We are having a fantastic summer!
Then I slip, at the pool, fall down, look at my leg and there is a good 6 inch gash on it, end up at a clinic for 10 stitches.
And like that, my Summer of Fun came to an end. Hahaha
Ouch. Glad you are ok. I have had a couple of slips, but nothing serious. My wife swims 5 days a week at 5:30am. And it shows. Put me in a pool and I want a swim up tiki bar or a lazy river to enjoy. I still have to get the pool membership even though we are gone for most of July and August. It's like paying for a hotel without the free breakfast.
Retirement was basically thrown at me 7-10 years earlier than I had planned. But oh well, im alive and kicking. The last 2 years I have done plenty of research on how to make the money last. The best investments, the safest investments, the S&P, annuities, Cd's, high yield savings, etc. I'm pretty sure my wife and I will be able to live somewhat comfortable.
But I tell you, it's scary when you read about the American retirement situation as a whole. 50% of adult Americans do not have $500 in their savings account. THATS SCARY. So many people with no retirement savings, no 401k, no pension, just having to depend on their social security.
Plan ahead people!
That is all.
I'm right there with you. After going through everything we have a strong shot of retiring at 62.. We did a good job buying a modest house and fixed it up along the way. Drive accords, don't eat out much at all and always bring lunch to work. Not eating out for lunch roughly saves us each $3,900 a year. Not nickeling and diming your money is key as is having a 401k along with a good financial advisor.
Speedy is right. I like the JW Marriott/Ritz in Orlando, but I do not ever want to leave the property. We have never taken the kids to Disney World. We have done it in Japan. Not for me.
I don't go when I know the kids are off school and the parks are packed. I don't go during Spring Break, Thanksgiving, and Christmas, when the parks are packed. I don't go when it's 110 degrees out and I'm gonna give myself my 3rd heart surgery. Haha
I cant do any of the real "thrill" rides anymore, again because of my heart. So basically we walk around, get our 10,000 steps in, watch all the families loving the moment, she gets her ice cream or whatever sweets she has discovered, and we enjoy the day. We hop on a little boat and go over to the Boardwalk and get a lovely dinner. A short walk to Hollywood Studios for a fireworks show, another boat ride, back to my car, and back home.
I can EASILY do that 1 or 2 times a week. A yearly pass at $1200, with parking included, is A BARGAIN. For us anyway.
It's great you found something you both like and $1200 is not expensive at all. Heck my swim club is $3500 for Memorial day to Labor day. And we maybe go six times.
Funny you mentioned swimming.
So last summer we both join the outdoor pool, 5 minutes from the house. A month later we are both tanned like movie stars, I'm doing lap swim for 20-30 minutes a day. We are having a fantastic summer!
Then I slip, at the pool, fall down, look at my leg and there is a good 6 inch gash on it, end up at a clinic for 10 stitches.
And like that, my Summer of Fun came to an end. Hahaha
Costanza?
"Oh Canada...you're beautiful when you're drunk" -EV 8/14/93
Retirement was basically thrown at me 7-10 years earlier than I had planned. But oh well, im alive and kicking. The last 2 years I have done plenty of research on how to make the money last. The best investments, the safest investments, the S&P, annuities, Cd's, high yield savings, etc. I'm pretty sure my wife and I will be able to live somewhat comfortable.
But I tell you, it's scary when you read about the American retirement situation as a whole. 50% of adult Americans do not have $500 in their savings account. THATS SCARY. So many people with no retirement savings, no 401k, no pension, just having to depend on their social security.
Plan ahead people!
That is all.
I'm right there with you. After going through everything we have a strong shot of retiring at 62.. We did a good job buying a modest house and fixed it up along the way. Drive accords, don't eat out much at all and always bring lunch to work. Not eating out for lunch roughly saves us each $3,900 a year. Not nickeling and diming your money is key.
I have gotten in to a lot of discussions with different family and friends over whether to to start taking one's Social Security at 62, or wait until 67. It obviously depends on one's individual situation. To me though, it's another numbers game. How much are you going to collect from 62 to 67? How much more is your monthly check if you wait until 67? Is waiting for that extra monthly income truly worth it? And of course there is the yearly salary you are no longer making if you choose to retire early.
My opinion? Its a no brainer. If one can financially be comfortable, retire as soon as possible. If one has the means to live comfortable and enjoy themselves, then walking away from work is a no brainer.
Post edited by SPEEDY MCCREADY on
Take me piece by piece..... Till there aint nothing left worth taking away from me.....
Retirement was basically thrown at me 7-10 years earlier than I had planned. But oh well, im alive and kicking. The last 2 years I have done plenty of research on how to make the money last. The best investments, the safest investments, the S&P, annuities, Cd's, high yield savings, etc. I'm pretty sure my wife and I will be able to live somewhat comfortable.
But I tell you, it's scary when you read about the American retirement situation as a whole. 50% of adult Americans do not have $500 in their savings account. THATS SCARY. So many people with no retirement savings, no 401k, no pension, just having to depend on their social security.
Plan ahead people!
That is all.
I'm right there with you. After going through everything we have a strong shot of retiring at 62.. We did a good job buying a modest house and fixed it up along the way. Drive accords, don't eat out much at all and always bring lunch to work. Not eating out for lunch roughly saves us each $3,900 a year. Not nickeling and diming your money is key.
I have gotten in to a lot of discussions with different family and friends over whether to to start taking one's Social Security at 62, or wait until 67. It obviously depends on one's individual situation. To me though, it's another numbers game. How much are you going to collect from 62 to 67? How much more is your monthly check if you wait until 67? Is waiting for that extra monthly income truly worth it? And of course there is the yearly salary you are no longer making if you choose to retire early.
My opinion? Its a no brainer. If one can financially be comfortable, retire as soon as possible. If one has the means to live comfortable and enjoy themselves, then walking away from work is a no brainer.
100% We would not need to touch SS until 67. I give all the credit to my wife. She taught me how to save money while also being able to take a impromptu trips to see PJ anywhere.
Heat, lines, outrageous cost, sweat, stupid people
My sister and sister in law dud a ton of research. Ordered fast passes for the rides we knew they’d work the best. Only line I recall being insanely long was Avatar. 2.5 hours. I was a whiny bitch the entire time. 😂 as soon as ee got off, I immediately wanted to go back in line.
Plus, we rented a house about 20 minutes away from the park, and took a day in between disney visits to recover. 3 days at the park, 10 days in the house. All 12 of my family, pool, hot tub, Christmas and New Years with no snow, etc. One of our best vacations ever.
The best trip we ever took to Orlando was just like this....rented a house with a pool and hit the parks three days like every other day
Remember the Thomas Nine !! (10/02/2018) The Golden Age is 2 months away. And guess what….. you’re gonna love it! (teskeinc 11.19.24)
1998: Noblesville; 2003: Noblesville; 2009: EV Nashville, Chicago, Chicago 2010: St Louis, Columbus, Noblesville; 2011: EV Chicago, East Troy, East Troy 2013: London ON, Wrigley; 2014: Cincy, St Louis, Moline (NO CODE) 2016: Lexington, Wrigley #1; 2018: Wrigley, Wrigley, Boston, Boston 2020: Oakland, Oakland:2021: EV Ohana, Ohana, Ohana, Ohana 2022: Oakland, Oakland, Nashville, Louisville; 2023: Chicago, Chicago, Noblesville 2024: Noblesville, Wrigley, Wrigley, Ohana, Ohana; 2025: Pitt1, Pitt2
My wife is a pediatrician and based on our new "leaders" in DC, she fears that she may be forced into retirement due to the possible cuts to medicaid (many of her patients are trans or homeless). Luckily, she is pretty well set in terms of retirement assets. We live in a house that is way too big for the two of us (never had kids....got married later in life).
I am not yet ready to retire.....I'd probably get bored unless I found some volunteer opportunities, etc.
Comments
House will be paid off in 10 years....it's a 3% rate so no real reason to pay it early. I actually backed off and quit paying extra principal when rates went back up.
The Golden Age is 2 months away. And guess what….. you’re gonna love it! (teskeinc 11.19.24)
1998: Noblesville; 2003: Noblesville; 2009: EV Nashville, Chicago, Chicago
2010: St Louis, Columbus, Noblesville; 2011: EV Chicago, East Troy, East Troy
2013: London ON, Wrigley; 2014: Cincy, St Louis, Moline (NO CODE)
2016: Lexington, Wrigley #1; 2018: Wrigley, Wrigley, Boston, Boston
2020: Oakland, Oakland: 2021: EV Ohana, Ohana, Ohana, Ohana
2022: Oakland, Oakland, Nashville, Louisville; 2023: Chicago, Chicago, Noblesville
2024: Noblesville, Wrigley, Wrigley, Ohana, Ohana; 2025: Pitt1, Pitt2
Fuck Cancer right in its fucking face.
I support this 100%. If you are old enough to work, than you should be taught how to handle your finances. More useful than Algebra. My kids 19 and 16 have no clue about credit, interest or savings. They just say "dad, I need a new phone." Or a new Macbook. Starting to have those hard conversations with my 16 year old who thinks she might be attending a university that costs 100k per year.
-EV 8/14/93
Heat, lines, outrageous cost, sweat, stupid people
The Golden Age is 2 months away. And guess what….. you’re gonna love it! (teskeinc 11.19.24)
1998: Noblesville; 2003: Noblesville; 2009: EV Nashville, Chicago, Chicago
2010: St Louis, Columbus, Noblesville; 2011: EV Chicago, East Troy, East Troy
2013: London ON, Wrigley; 2014: Cincy, St Louis, Moline (NO CODE)
2016: Lexington, Wrigley #1; 2018: Wrigley, Wrigley, Boston, Boston
2020: Oakland, Oakland: 2021: EV Ohana, Ohana, Ohana, Ohana
2022: Oakland, Oakland, Nashville, Louisville; 2023: Chicago, Chicago, Noblesville
2024: Noblesville, Wrigley, Wrigley, Ohana, Ohana; 2025: Pitt1, Pitt2
-EV 8/14/93
Or you hate Disney
Haha
Till there aint nothing left worth taking away from me.....
I cant do any of the real "thrill" rides anymore, again because of my heart. So basically we walk around, get our 10,000 steps in, watch all the families loving the moment, she gets her ice cream or whatever sweets she has discovered, and we enjoy the day. We hop on a little boat and go over to the Boardwalk and get a lovely dinner. A short walk to Hollywood Studios for a fireworks show, another boat ride, back to my car, and back home.
I can EASILY do that 1 or 2 times a week.
A yearly pass at $1200, with parking included, is A BARGAIN. For us anyway.
Till there aint nothing left worth taking away from me.....
It's great you found something you both like and $1200 is not expensive at all. Heck my swim club is $3500 for Memorial day to Labor day. And we maybe go six times.
So last summer we both join the outdoor pool, 5 minutes from the house. A month later we are both tanned like movie stars, I'm doing lap swim for 20-30 minutes a day. We are having a fantastic summer!
Then I slip, at the pool, fall down, look at my leg and there is a good 6 inch gash on it, end up at a clinic for 10 stitches.
And like that, my Summer of Fun came to an end. Hahaha
Till there aint nothing left worth taking away from me.....
Ouch. Glad you are ok. I have had a couple of slips, but nothing serious. My wife swims 5 days a week at 5:30am. And it shows. Put me in a pool and I want a swim up tiki bar or a lazy river to enjoy. I still have to get the pool membership even though we are gone for most of July and August. It's like paying for a hotel without the free breakfast.
-EV 8/14/93
It obviously depends on one's individual situation. To me though, it's another numbers game. How much are you going to collect from 62 to 67? How much more is your monthly check if you wait until 67? Is waiting for that extra monthly income truly worth it?
And of course there is the yearly salary you are no longer making if you choose to retire early.
My opinion? Its a no brainer. If one can financially be comfortable, retire as soon as possible. If one has the means to live comfortable and enjoy themselves, then walking away from work is a no brainer.
Till there aint nothing left worth taking away from me.....
The Golden Age is 2 months away. And guess what….. you’re gonna love it! (teskeinc 11.19.24)
1998: Noblesville; 2003: Noblesville; 2009: EV Nashville, Chicago, Chicago
2010: St Louis, Columbus, Noblesville; 2011: EV Chicago, East Troy, East Troy
2013: London ON, Wrigley; 2014: Cincy, St Louis, Moline (NO CODE)
2016: Lexington, Wrigley #1; 2018: Wrigley, Wrigley, Boston, Boston
2020: Oakland, Oakland: 2021: EV Ohana, Ohana, Ohana, Ohana
2022: Oakland, Oakland, Nashville, Louisville; 2023: Chicago, Chicago, Noblesville
2024: Noblesville, Wrigley, Wrigley, Ohana, Ohana; 2025: Pitt1, Pitt2
-EV 8/14/93
The merch line at a Pearl Jam concert
Till there aint nothing left worth taking away from me.....
I am not yet ready to retire.....I'd probably get bored unless I found some volunteer opportunities, etc.