Why did you decide to retire when you did?

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#1
SoCal Gal
6,528 Posts
Joined Dec 2011
I have the option to retire in April. However, were I to do so, I'd make about 20% less per month. Part of me says it's more important to enjoy my retirement for as long as I can rather than get more money. In either case, I'll be earning enough to live on.

What made you decide it was time?
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#3
Copenhagen, Denmark
279 Posts
Joined Nov 2014
I'm doing it step by step. I'm 59. I'm an independant contractor so I've asked my agents to find me contracts with 25 hours per week (and a higher per hour pay).

I'm doing it because I want time to weave, spin, knit, sew, cruise, be with SO, kids and friends, and do medieval re-enactment. Ain't got time for all that work.

I imagine I'll have longer and longer stretches between contracts the coming ten years.
#4
Palm City, Fl
4,862 Posts
Joined Dec 2002
I worked past retirement mostly because I enjoyed my work, workmates and boss.

One day it occured to me that at my age, anytime, I could suffer a stroke and wind up sitting in a wheelchair in a corner for a very long time....not having done any of the traveling that we had talked about.

Last year we did South America, next fall we go to Tahiti...the bucket list is shrinking.
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#6
Dataw Island, SC
104 Posts
Joined Jul 2012
Company I worked for decided to make life as uncomfortable as possible for people hired before a certain date who had salaries that reflected a more successful period for the company. They had improving diversity goals in mind too - but went after plenty of women who were the same "vintage" as me with salaries to match. There is one who has held out for the past 10 years - she is leaving soon with a bunch of medical problems. I could have held out too, but decided life is too short to waste working for a company that would treat people like that - so as soon as I qualified for retirement benefits I left and worked as a part-time job for 10 years. I left at 56 years of age. Best decision I ever made.
#7
3,547 Posts
Joined Feb 2002
I too, was working a job that could have been done by an untrained chimp. Retail. This last place hired me to oversee a department, of which I was very competent and happy....Until the day I started. I found out that "full time" hours were 30, or sometimes less, as long as we averaged 30 per quarter, we would be considered full time, however the hours prevented you from taking a second job. BUT, I was making enough money at 30 hours, other companies would have paid me less for 40 hours...So everyday I go in and after a while it was a losing battle with management....months turned into years...I'm in my late 50's where am I gonna go, so I put up with the crap.. The last year or so I was there, it seemed they couldn't find a place for me to be. They were catering to the high schoolers who knew more than I did after 30 years in the business. Giving them supervisory jobs and special projects. I ended up taking care of the cash in a small locked office away from everyone. I loved it, but...again I was told I had to do multiple jobs, like covering lunches, filling in departments where needed all the while supposed to be getting the daily deposit ready, and I was told there is no excuses. Well....a month or so before I "left"(will get to that in a minute) They are starting to train one of the high schoolers on my job with the cash, and a "newbie" was bragging she was being "interviewed" for a supervisory job. Hmmm. Now everyday, I am being harassed by the managers, then the district manager. I never called in sick and always did my job. So, I have a cruise coming up in a couple of weeks...I ask the one manager for the heck of it IF I would have a job when I got back. Without even looking at me he said Yes.....Liar....The week before my cruise the two managers come into the small office and tell me my services are no longer needed, I deleted what I had done on the computer, said thank you and walked out. I lived on my 401K until my Social Security kicked in...Best thing that ever happened to me...You know the old saying....you reap what you sow...I hope they do the same thing to those managers.

You know....I never told anyone that....
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#8
4 Posts
Joined Dec 2017
Having a meeting with a co-worker that I was her boss. I thought we were all was on the same page with working in child care. But during the time when director hours change from salary to hourly the staff said what are the company going to pay me when I am not schedule to come in but are waiting to see if all staff report to work. That director of that child care center get off when she needed to for her appointment with no problems. Because she ask that question I look at her and though to myself it is time for me to retire and I did. Now that I have left she put in her 2 weeks notice which she told me if I retire she was going to quit and after 38 years I glad I retired in November.
#10
SoCal Gal
6,528 Posts
Joined Dec 2011
Originally posted by LondonTowner
What relevance has this to do here?


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I'm getting ideas from like-minded cruisers about when to retire. Once I retire, I can't go back to my job. That's it. Then end. I don't want to retire and wish I hadn't.

My initial plan was to retire after my Crystal cruise, the following spring. I'd rather retire next year, but I don't know if doing so would be shooting myself in the foot.
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#11
SoCal Gal
6,528 Posts
Joined Dec 2011
Originally posted by LondonTowner
What relevance has this to do here?


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And..don't be a meanie.
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#12
3,547 Posts
Joined Feb 2002
I have a friend who is 82, she worked until last September. She was with the company over 20 years. She worked from 4 am to 10 am. Finally it got to a point where she said WHY, she called them and told them she was done, never went back, and now she tells me "I don't know why I didn't do this sooner" You know when you are ready....just do it...what are they gonna do....fire you?
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2018 Caribbean Princess - 10 night September 8 - Princess Cays, St Thomas, St. Kitts, St Martin, St Lucia, Antigua
2018 Royal Princess - 10 night - February 28 - March 10 Princess Cay,St Thomas, St. Kitts, St Lucia, Barbados
2017 Regal Princess 10 night October 26 - November 5 - New York to Ft Lauderdale
2017 Crown Princess 5 night March 20 - 25 RT Ft Lauderdale--Amber Cove, Grand Turk
2016 Caribbean Princess 8 night -- November 5--Ft Lauderdale RT ABC Islands
2015 Regal Princess 5 night --November 3 - 8 Ft Lauderdale RT Back to Back
2015 Regal Princess 10 night -- October 24 New York to Ft Lauderdale
2014 Royal Princess 10 night -- October 25 New York to Ft Lauderdale
2013 Caribbean Princess October 26 -- 10 night New York to Houston
2013 Caribbean Princess April 13 -- 7 night Ft Lauderdale RT
2012 Caribbean Princess October 31-- 10 night New York to Ft Lauderdale (Hurricane Sandy) Actually 11/2 -- 11/10 Delay due to hurricane
2011 Caribbean Princess October 29 --10 night New York to Ft Lauderdale (NorEaster)
2010 Norwegian Star - 10 night October 25 - Nov 4- Miami - Miami
2009 Celebrity Constellation October 30 -- Bayonne - Miami
2007 RCCL Empress of the Seas October 27 -- Philadelphia - San Juan
2006 Norwegian Spirit 11 night October 29 -- Nov 9 New York to New York (Freezing Cold)
2004 RCCL Empress of the Seas - Sept 18 -Bayonne to Bayonne
2003 Celebrity Century July -- Ft Lauderdale - Ft Lauderdale
1995 - 1999 Regal Cruises Regal Empress --Feb 24, 95, May 10, 96, May 27, 97, Aug 3, 97, March 27, 98,Aug 23, 98, Aug 1, 99 (7X)
1994 - 1995 Dolphin Line Seabreeze-- Two times - April 3, 1994
1992 - 1993 Chandris Line Britannis-- Two times April 16, 1993
1991 Crown Cruise Line Crown Monarch --Cruise that started it all.......July 27- Aug 3
#13
SoCal Gal
6,528 Posts
Joined Dec 2011
When I'm eligible to retire, that will be 5 years before my husband. I feel guilty that I can retire that much earlier than him. Also, my company gave me a promotion and a substantial raise 3 months ago. I'd also feel guilty leaving so soon after the promotion, as if I'm not grateful for it.

But, to retire...oh, the thought of it!
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#14
519 Posts
Joined Apr 2017
Living in Florida, I’m looking forward to being able to go on last minute style cheap cruises. But for now I keep working so I can have a decent retirement. It isn’t enough to stop working if I can’t enjoy it.


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#15
Yorkshire, UK
614 Posts
Joined Aug 2009
I retired last year aged 59, both my parents died young while still working. I decided many years ago I would retire as soon as I could afford to. We have spent almost 3 months at sea since retirement and long may it continue.

No pockets in shrouds.
#16
Buckeye, AZ
432 Posts
Joined Jan 2008
I retired going on 6 years ago because my husband pressured me to. I wasn’t ready. We have cruised a lot, traveled, and moved to the southwest from the NW. I regret my decision and would go back. You can only do so many cruises . Now I have been gone too long to feel comfortable getting back into a job that was very legally based. I miss feeling useful and involved. I know folks say you can volunteer and get involved but it isn’t the same as working from your knowledge base. I am a cancer survivor so I have had health issues but I say don’t go till you really are ready. Have something you run to not run from. Good luck. It truly is a personal decision.


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#17
112 Posts
Joined Oct 2016
I’m past retirement age but still working, at the same job for 33 years. I take 3 to 4 cruises a year, obviously none longer than a week or 2, Australia will have to wait until I retire. I not only have a full time job but have been an active volunteer for 24 years (on board of directors ) and am also a cancer survivor. I don’t want to die at my desk but, until I can figure out what I want to do when I retire and where I want to live (taking into consideration weather & taxes), I’ll keep working. I guess we all decide when the time is right to retire unless we’re “retired” by our employer.
#18
Bellingham, WA
483 Posts
Joined Feb 2017
I retired when my financial planner told me one day “You know, you don’t have to work if you don’t want to. Is there something else you’d like to do besides work?” I was 51 yrs old, working at a job I actually liked a lot, but I’d also been working constantly since I was 19. I had lucked out and landed a job doing database design for Amazon in Seattle in 1997 — one of those serendipitous “right place, right time” things. I hadn’t discovered the joys of cruise travel yet, and what I wanted to do most of all was get my undergrad degree in music. I gave it a lot of thought, had my planner run the numbers with many variables — my biggest fear was ending up as a bag lady when I’m 84. Numbers looked good, so I retired in June 2003, and started classes as a full time student in September 2003.

Finally got all the education stuff out of the way 2003-2010 (BA in composition, conducting, & vocal performance; M.Mus in music history & literature; ABD for a D.Mus in conducting). Took my first cruise in September 2017; have 5 more booked. kind of making up for lost time.


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#19
SoCal Gal
6,528 Posts
Joined Dec 2011
An example of why I want to retire sooner rather than later:

My team lead told me to take a 3-day class with her, which started Monday. On Thursday, tomorrow, I'm leaving for Florida to visit my 88 year old dad and will return to work next Wednesday.

The first day of the class she turns to me and asks when I expect to complete Project A if I'm going to be gone visiting my dad. In my head I'm think to myself I'd be finishing Project A if I weren't in this class with her, the one she told me to take. On day two of the class she doesn't show up. I text her and she tells me she had to go to the office. She never showed up to the class yesterday. Last night she texts and wants to know if I want to come into work either during the class lunch break or after the class to complete Project A. I tell her I'm coming in after the class.

She's the one that told me to sign up for the class. I've had my projected leave on the calendar for 6 months, so it's not like she didn't know I was going to Florida. Project A can actually wait to be completed on Wednesday, but she wants it done now. The class she made me take is way above and beyond my level of need and is actually unnecessary for me to complete my work. I doubt she shows up today for the class.

That's the kind of stuff that makes my head spin and makes me just want to duck out of the work world. Give me a cup of coffee in the morning, the online LA Times, and a spin on my elliptical each day and I'll be happy.
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#20
SoCal
2,471 Posts
Joined Jun 2006
Originally posted by fyree39
I have the option to retire in April. However, were I to do so, I'd make about 20% less per month. Part of me says it's more important to enjoy my retirement for as long as I can rather than get more money. In either case, I'll be earning enough to live on.
I'll be facing the same choice in a few years. I think I'm already decided on slightly less income each month, but we'll see how I feel when the time actually comes.
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1990 Norwegian Cruise Line, MS Southward - 3 day Mexico
1997 Royal Caribbean Cruise Line, Viking Serenade - 3 day Mexico
1999 Disney Cruise Line, Disney Magic - 3 day Caribbean
2007 Celebrity Cruises, Celebrity Century - 10 day Mediterranean
2009 Holland America Line, MS Rotterdam - 12 day Baltic
2013 Norwegian Cruise Line, Norwegian Star - 16 day Transatlantic
2016 Carnival Cruise Lines, Carnival Inspiration - 4 day Mexico
2018 Holland America Line, MS Volendam - 15 day Transpacific