Over the last few years (since hitting 50) this has been on my mind more and more. I have found that since I started thinking about it (beyond stuffing money in a pension) the more out of love i am becoming with working.
Its like the end is in sight but I just can’t quite touch it. More and more things are beginning to piss me off about work. It feels like the death throes of a relationship when the way your partner chews their food irritates you when it hadn’t been a problem for ten years previous
So now I want out as fast as I can wangle it.
Then comes the big questions, how much do I need, what will I do with the 50 odd additional hours a week etc
Some of you are out, some of you are like me,
Thoughts, advice , worries, ?
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If you worry about growing old you’ll hasten the inevitable. Adjust the excesses and live on what you have. I have no credit cards, just a Debit card that feeds off my pensions.
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I now get a Pension
It is £12 a month.
But I had a job thatbket me do most people’s dream retirement free of charge between the ages of 40 and 50.
A different set of questions than income.
Is the roof over my head safe stable and paid for?
What actually are you going to do?
Everyday. Every fucking day.
More than money you need targets and objectives so time can be filled by plans.
You will have done them everyday for work
Doing them for yourself fills a hole and doesn’t cost money.
I have a mate who got an electric bike that was his plan, a year on he doesn’t ride as he has been everywhere.
I keep sane planning shit. For me, Mrs P_F MiL.
They never think of stuff
Plan the World Tour plan to move to Portugal.
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On the plus side, you can’t afford a Lamborghini.
You and me, both CB!
Basically, I fucking hate work now and want out. I co own a business, so it’s not so easy as giving notice, but fortunately other owners think the same as me (relentless persuasion worked!).
I’ll love having the time to do what i want. Already got it planned - fitness improvement, online courses, take up hobbies (guitar, piano, photography, art, writing), travel, will do some volunteering. Aside form the obvious redecoration of the house and redoing the garden. Also, Golf. I’m shite, but got three mates who’ve retired recently and we’ll play more regularly. I’ll have to look after elderly parents, but they’re local, so hopefully won’t be too difficult.
On the money, i guess it is all down to personal circumstance. For me, i’ll have small mortgage which is serviceable. Pension is OK, investments / savings are OK and what i can walk away with from the business will be OK. Should give me enough.
I think people over estimate how much they will need. Financial advisors and pension companies paint a picture of sprightly 80 year olds prancing around tennis courts before jumping on a cruise boats and giving their 12 grandkids deposits on houses, saying you need fucking loads of money. All bollocks. A lifetime of work fucks you up, generally. I’ll be lucky to make 80 anyway and if i do i’ll be grateful to be able to get to the bottom of the garden without shitting myself or wondering where i am.
I’m not worried about it, I just want to get out ASAP.
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