Anyone close to retirement? / when do you start counting the days?

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Waterlooville
520 Posts
Joined Jan 2011
I'd retire tomorrow if I could!

I am entitled to claim my state retirement pension in September 2014, so am in the process of considering the options.

If I do take my pensions, I'll try to find a part-time job to top up my income, or take on short contracts.
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Delaware
1,009 Posts
Joined Mar 2011
I was reading some of the original postings on this thread that was started several years ago.

One thing that struck me is the number of people who put off until retirement all the things they want to do and places they want to see.
My best friend and I have been traveling together for more than 10 years. We take 2 or 3 trips each year, some land based, some cruises. I have 5 weeks paid time off each year, and having basically good health have used it almost all as vacation, not sick or mental health days as I see so many of our coworkers do.
I've said I like traveling now while I still have an income.

So retirement isn't going to increase my travels but will increase my time to enjoy other things.
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cincinnati, ohio,usa
5,702 Posts
Joined Oct 2000
Nope, not for me. I'm 63 and have a great job that I love. I get 6 weeks vacation and work from home, so no plans to retire in the near future.
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USA
3,675 Posts
Joined Jan 2012
Originally posted by herbanrenewal
I was reading some of the original postings on this thread that was started several years ago.

One thing that struck me is the number of people who put off until retirement all the things they want to do and places they want to see.
My best friend and I have been traveling together for more than 10 years. We take 2 or 3 trips each year, some land based, some cruises. I have 5 weeks paid time off each year, and having basically good health have used it almost all as vacation, not sick or mental health days as I see so many of our coworkers do.
I've said I like traveling now while I still have an income.

So retirement isn't going to increase my travels but will increase my time to enjoy other things.
One reason I travel so much now before I have retired is that my dad died shortly before he was supposed to retire of pancreatic cancer in his early 50's. So I had decided way back to fill up my bucket list real early!! So far so good!! Done many land trips, over 20 cruises, and I've been to Europe twice. I will be retiring at the end of 2014!! 29 weeks in teacher talk!!
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HI
159 Posts
Joined Feb 2012
My H retired after over 45 years with his employer and so far is LOVING it! I'm gradually moving closer to retiring as well, as I enjoy being with him and am finding it increasingly frustrating to make the changes I've been working at with so little support from others.

It is wise to consider your family profile and risks in assessing your relative health and planning accordingly. We always wanted to travel with our kids, from the time they were young (6 months), and fortunately have been able to do so.

We do expect we may be able to take more and longer trips as we have more unscheduled time. We will likely be spending more time with my aging parents and loved ones as well.

Having choices and being able to remain in a loved job OR retire as one chooses is such a wonderful position to be in!
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HImom

Kansas City (Gladstone) , MO
3,396 Posts
Joined May 2006
Quite some time ago I replied on this forum of "thinking" of retiring next year in February. I have been in the hospital 6 times within the past two years, and February 23rd would be a "year" since I have been out of the hospital, thank God!!! I will be 71 in February and having been working for a large corporation over 15 years. I love my job, but my 3 sons have been wanting me to retire for a long time. I wanted to retire in some ways, but I felt like I would be LOST. I had a long talk with my 3 sons individually, and "eventually" I was able to make them understand that I really need to keep working, but.............if I wound up in the hospital like I had within these past two years, I would retire. Yes, there are things like traveling I like to do, and I do do this, but as for staying home, that would be hard on me.
Charlotte
3,551 Posts
Joined May 2007
With all the changes in Education in our state, DH would love to retire from teaching now, but realistically won't be able to until the end of the 2016-2017 year. this seems a long way off, so we are counting by months. Right now we are at 35 months. Doesn't sounds so bad. Less than most car notes.
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WI
329 Posts
Joined Aug 2009
twice . . . . . from the Air Force in 1981 and from a high stress job with a utility company in 2001 at the ripe old age of 58. Figured that retiring early would add many years to my life - so far it's worked out very well!

I've not missed working at all.

Don't wait until it's too late to enjoy retirement - that is if you can afford to do so.
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UK
495 Posts
Joined Jul 2013
Originally posted by Wifflebat
twice . . . . . from the Air Force in 1981 and from a high stress job with a utility company in 2001 at the ripe old age of 58. Figured that retiring early would add many years to my life - so far it's worked out very well!

I've not missed working at all.

Don't wait until it's too late to enjoy retirement - that is if you can afford to do so.
Sounds good I find deciding when we can afford it isn't straightforward though. I guess most of us will have a more modest monthly income when retired. Most will have to be more careful with 'the £/$', but when is the lower income enough, or too little?

I'd love to hear how others decided this.
HI
159 Posts
Joined Feb 2012
It depends on several factors. One of the most important is what source(s) of income will you have once you retire AND how much do you NEED to live at the lifestyle you prefer in retirement. If one or both of you have earned any pension, how much does it pay and when does it begin and end? How sure are each of you that it will be paid? Can / will either or both of you work at all during retirement and how hard or easy will it be to get an income?

What are projected future expenses--housing, medical, supporting kids and or parents or other loved ones?

For us, it was fairly straight forward. H worked for the federal government for 45 years and has a defined benefit pension from the date he retired, plus a small COLA. When he dies, I will get 55% of his pension for the rest of my life. We will both have medical insurance (which we pay a portion and former employer pays a portion) for the rest of our lives.

We paid off our house and paid off our kids educations. His folks have died and mine are financially very comfortable, as are our sibs. We live on less than his pension pays and we have some investments as well. If he kept working, his pension would DECREASE. We decided that 45 years was long enough and have been very happily enjoying H's retirement. I am working fewer and fewer hours at my part-time job as well. We are very satisfied that we have made a good choice economically at this point in our lives.
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HImom

Central Arkansas
12,820 Posts
Joined Feb 2006
I have 20 more hump days until I retire. Yay!


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Enchanted Capri, Commodore Cruise Line, June 1998, Rhapsody of the Seas /2006, Rhapsody of the Seas 5/28/ (alt. route), NCL Norwegian Sun 12/31/2006, Radiance of the Seas, Alaska, 5/18/2007, Adventure of the Seas, Southern Caribbean, 3/9/2008, Celebrity Solstice, Eastern Caribbean, 12/14/2008, Voyager of the Seas, Western Caribbean, 3/8/2009, Explorer of the Seas, New England and Canada, 10/15/2009, Oasis of the Seas, Eastern Caribbean, 3/13/2010, Mariner of the Seas, Mexican Riviera, 12/5/2010, Navigator of the Seas, Caribbean, 2/3/2011, Allure of the Seas, Eastern Caribbean, 3/20/2011, Freedom of the Seas, 6/26/2011, Voyager of the Seas, 11/26/2011, Monarch of the Seas, 3/23/12, Mariner OTS, Mediterranean/Holy Lands, 10/20 to 11/3/12, Navigator of the Seas, 12/29/12, Allure of the Seas, 4/7/2013, Serenade of the Seas, 12/12/13 , Navigator of the Seas, 3/23/14 Navigator of the Seas, May 25, 2014, (alternate route),Oasis of the Seas, Transatlantic, October 14, 2014, Navigator of the Seas, January 11, 2015 - Quantum of the Seas, 12-day So. Caribbean, April 12, 2015, Liberty of the Seas, B2B, Feb. 21-March 6, 2016 ,Liberty of the Seas, 8/21/2016, Vision of the Seas, 10/15/2016,Harmony of the Seas, TA, Oct/Nov 2016, Liberty of the Seas, March 5, 2017

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UK
495 Posts
Joined Jul 2013
Originally posted by internetwhiz
I have 20 more hump days until I retire. Yay!


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Are hump days, work days?
USA
3,675 Posts
Joined Jan 2012
Originally posted by internetwhiz
I have 20 more hump days until I retire. Yay!


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I love that!!! I've got 29 hump days left...lol. Haven't got my official paper work in and I'll have to see what I can do with vacation days, but that is close enough!!
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USA
3,675 Posts
Joined Jan 2012
Originally posted by Priya2
Are hump days, work days?
They are for me, but I usually meet friends on Wednesdays at a Mexican restaurant. Half of them are retired, so I'll be celebrating my countdown on humpdays with friends! (They will probably get sick of it quick...lol!)
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Debbie

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Central Arkansas
12,820 Posts
Joined Feb 2006
Originally posted by Priya2
Are hump days, work days?
Yes. They are Wednesdays. I have 20 more Wednesdays.


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Liberty, March 5, 2017

Celebrity Equinox, May 15, 2017
Freedom of the Seas, TA, Oct/Nov, 2017
Vision of the Seas, January 12 and 17, 2018 B2B2B
Symphony TA, 10/28/18
UK
495 Posts
Joined Jul 2013
Originally posted by internetwhiz
Yes. They are Wednesdays. I have 20 more Wednesdays.


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Sorry to sound dumb, do you mean you only work Wednesdays?
Central Arkansas
12,820 Posts
Joined Feb 2006
Originally posted by Priya2
Sorry to sound dumb, do you mean you only work Wednesdays?
No I work every day. Are you from the US? Wednesday is called hump day because it gets you over the "hump" of the workweek. Google the GEICO camel commercial.

It's Wednesday. Ergo, hump day.


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Karen and Bill
Past Cruises:
Enchanted Capri, Commodore Cruise Line, June 1998, Rhapsody of the Seas /2006, Rhapsody of the Seas 5/28/ (alt. route), NCL Norwegian Sun 12/31/2006, Radiance of the Seas, Alaska, 5/18/2007, Adventure of the Seas, Southern Caribbean, 3/9/2008, Celebrity Solstice, Eastern Caribbean, 12/14/2008, Voyager of the Seas, Western Caribbean, 3/8/2009, Explorer of the Seas, New England and Canada, 10/15/2009, Oasis of the Seas, Eastern Caribbean, 3/13/2010, Mariner of the Seas, Mexican Riviera, 12/5/2010, Navigator of the Seas, Caribbean, 2/3/2011, Allure of the Seas, Eastern Caribbean, 3/20/2011, Freedom of the Seas, 6/26/2011, Voyager of the Seas, 11/26/2011, Monarch of the Seas, 3/23/12, Mariner OTS, Mediterranean/Holy Lands, 10/20 to 11/3/12, Navigator of the Seas, 12/29/12, Allure of the Seas, 4/7/2013, Serenade of the Seas, 12/12/13 , Navigator of the Seas, 3/23/14 Navigator of the Seas, May 25, 2014, (alternate route),Oasis of the Seas, Transatlantic, October 14, 2014, Navigator of the Seas, January 11, 2015 - Quantum of the Seas, 12-day So. Caribbean, April 12, 2015, Liberty of the Seas, B2B, Feb. 21-March 6, 2016 ,Liberty of the Seas, 8/21/2016, Vision of the Seas, 10/15/2016,Harmony of the Seas, TA, Oct/Nov 2016, Liberty of the Seas, March 5, 2017

Upcoming Cruises: ,

Liberty, March 5, 2017

Celebrity Equinox, May 15, 2017
Freedom of the Seas, TA, Oct/Nov, 2017
Vision of the Seas, January 12 and 17, 2018 B2B2B
Symphony TA, 10/28/18
UK
495 Posts
Joined Jul 2013
Originally posted by internetwhiz
No I work every day. Are you from the US? Wednesday is called hump day because it gets you over the "hump" of the workweek. Google the GEICO camel commercial.

It's Wednesday. Ergo, hump day.


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ahh, I see. No, I'm in the UK. We just love Fridays
Central Arkansas
12,820 Posts
Joined Feb 2006
Originally posted by Priya2
ahh, I see. No, I'm in the UK. We just love Fridays
Maybe you can start hump day in UK.


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Karen and Bill
Past Cruises:
Enchanted Capri, Commodore Cruise Line, June 1998, Rhapsody of the Seas /2006, Rhapsody of the Seas 5/28/ (alt. route), NCL Norwegian Sun 12/31/2006, Radiance of the Seas, Alaska, 5/18/2007, Adventure of the Seas, Southern Caribbean, 3/9/2008, Celebrity Solstice, Eastern Caribbean, 12/14/2008, Voyager of the Seas, Western Caribbean, 3/8/2009, Explorer of the Seas, New England and Canada, 10/15/2009, Oasis of the Seas, Eastern Caribbean, 3/13/2010, Mariner of the Seas, Mexican Riviera, 12/5/2010, Navigator of the Seas, Caribbean, 2/3/2011, Allure of the Seas, Eastern Caribbean, 3/20/2011, Freedom of the Seas, 6/26/2011, Voyager of the Seas, 11/26/2011, Monarch of the Seas, 3/23/12, Mariner OTS, Mediterranean/Holy Lands, 10/20 to 11/3/12, Navigator of the Seas, 12/29/12, Allure of the Seas, 4/7/2013, Serenade of the Seas, 12/12/13 , Navigator of the Seas, 3/23/14 Navigator of the Seas, May 25, 2014, (alternate route),Oasis of the Seas, Transatlantic, October 14, 2014, Navigator of the Seas, January 11, 2015 - Quantum of the Seas, 12-day So. Caribbean, April 12, 2015, Liberty of the Seas, B2B, Feb. 21-March 6, 2016 ,Liberty of the Seas, 8/21/2016, Vision of the Seas, 10/15/2016,Harmony of the Seas, TA, Oct/Nov 2016, Liberty of the Seas, March 5, 2017

Upcoming Cruises: ,

Liberty, March 5, 2017

Celebrity Equinox, May 15, 2017
Freedom of the Seas, TA, Oct/Nov, 2017
Vision of the Seas, January 12 and 17, 2018 B2B2B
Symphony TA, 10/28/18