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  1. #1
    In Witness Protection mtpockets's Avatar
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    OV 35 Retirement thread

    Many of us in this sub forum are headed towards or have reached retirement, I thought it would be fun and interesting to hear people's thoughts and plans for retirement. Who knows, we may even learn a thing or two.

    I retired many years ago at an early age and if I were to do it all over again, I wouldn’t change a damn thing. It allowed for more time with family and gave us the freedom to do pretty much anything we wanted when we wanted.

    I believe it's important to remain active in retirement and have a fun reason to get up every morning. I had some friends and colleagues who retired and couldn't wait to do nothing when they retired. Sleeping in and watching the idiot box in the recliner wasn't kind to them and their golden years weren't quite so golden and some croaked.

    I am normally up around 4 am and never use an alarm clock, I hit the fart sack early, usually sleeping by 10 and can't wait to get up in the morning and get on with my day which usually starts with the gym and then involves my hobbies that are mostly outdoor related. Hunting, fishing, hiking, skiing, snowshoeing, cycling, kayaking, canoeing etc (to name a few) I also do some community volunteer work and usually do that on rainy days. Like today.

    Anyone care to chime in?
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  2. #2
    High Plains Lifter Mark1T's Avatar
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    Hey MT. Admiring your life, brother.

    I could have retired 5 years ago, but I still have things to do. Probably why I am single.

    Maybe another 5 to 10 years
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  3. #3
    Nihilist Karl_Hungus's Avatar
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    Don't plan on retiring for awhile, but when I do, I plan to follow the Peter Gibbons model: I plan to relax, sit on my ass all day and do nothing.



    Originally Posted by mtpockets View Post
    I am normally up around 4 am and never use an alarm clock, I hit the fart sack early, usually sleeping by 10 and can't wait to get up in the morning and get on with my day
    Damn, 4 am.....I don't think I could get up that early if the house was on fire. Without alarm clocks and obligations during the day, I would probably go to bed around 4 am and roll out of bed around noon. I will probably adopt that pattern when retired, but fully admit that it probably isn't optimal on a number of levels.
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    Registered User bustasinclair's Avatar
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    I don't plan to retire, but you never know. My plan is to keep my current career until 70-ish (God willing) and then do something I really enjoy like start a bakery café or something. At the moment, I'm undecided, but I'd also like to do something good for humanity. Hopefully there will be humanity left to do something good for...
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  5. #5
    I love bacon..... Wayne Evans's Avatar
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    Originally Posted by mtpockets View Post
    I retired many years ago at an early age and if I were to do it all over again, I wouldn’t change a damn thing. It allowed for more time with family and gave us the freedom to do pretty much anything we wanted when we wanted. Anyone care to chime in?
    Howdy MTP.....(nor would I)

    Oh....something about retired folks....I can take up some bandwidth on this subject.
    I'm a 04:00-04:30 guy too.

    Ahhh....'retirement'.....I love every nano-second of it.
    I retired a few months shy of 64. (I'm 75)
    Wife retired about (4) years ago.

    I'm elated that we both lived long enough to enjoy the retired life.
    With my decade old ailment (spinal stenosis) doing any physical shvt is out of the question.
    But....I still do music (guitar playing/song writing) even after (5) decades.
    I've always had a recording space to do my thing.
    I have good equipment (much leaned out over the years) and a cool basement recording space....The Wolf's Den.
    A sanctuary that provided me solitude and caters to my creative therapy.

    I've stumbled on to other threads over the years and some have said....."I'd be bored if I retired"
    Well....one does have to have a genuine propensity for outside personal interests or creative outlet.
    It's been said...."only boring people get bored".....that's what I read anyway.

    Within (2) weeks of my retirement I wrote/recorded this song dedicated to us RF's.
    https://www.soundclick.com/music/son...ongID=12929725

    That's my brief take.....have a great day weed hoppers.

    Carry on....
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    Just an old guy trying to keep up his rhythm chops.
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    Banned supramax's Avatar
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    I retired from the rat race when I was 23. I still worked occasionally, usually just enough to finance a bicycle (the most energy efficient mode of travel) trip somewhere. If and when I run out of money in another country, I find a job there. I get up between 3:30 and 5:30 AM and I go to bed when I'm tired.

    P.S. AND I've easily hitch hiked a billion miles!
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  7. #7
    Train hard play harder Tommy W.'s Avatar
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    Ill be 70 in a few months and am taking a year away from my business. I’ll be jumping back in next year. Nice to take a break. Ill go back then retire at 75. I enjoy what I do however having a year to just F around is nice.
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    Been "retired" for about ten years with a brief consulting gig in the mix and the current DT training I'm part of for the police academy. I'm 47 and never going back unless absolutely necessary. I still have young kids so that's my work but it's been fun hanging with them their whole lives so far and doing the things I love on my schedule is great.
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  9. #9
    Formerly grouchyjarhead GrouchyUSMC's Avatar
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    Not retired yet.

    5 years, 9 months, and 1 day.

    Not like anyone's counting though...
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    In Witness Protection mtpockets's Avatar
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    Some awesome comments in here and I am really enjoying everyone's comments... Keep them coming..


    JT another early retiree... That's so cool that you get all that time with your family. I pulled the pin early when my boy was 10, one of the best decisions of my life



    It's O dark early and I need to get a workout in and hop in the Kayak for some fishing before it gets too hot, enjoy your day ya'll
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  11. #11
    Food Porn Terrorist Bosko's Avatar
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    I retired at 45 so I could get to work doing what "I" want to do.......not what the "Clients" wanted me to do.........

    Between doing everything around the property and my hobbies, I'm not sure I could go back to a 9 to 5 job...not enough time......lol
    Last edited by Bosko; 06-21-2022 at 03:00 AM.
    Retired...no smartphone....no neighbors......just holes...
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  12. #12
    Registered User Plateauplower's Avatar
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    I plan to retire at 50 or 55 (2030 or 2035) depending on economy. I’ll have a pension, hopefully substantial other retirement accounts and probably continue to take on consulting projects / litigation that interests me. I’ll get out of IL and likely move somewhere with mountains and buy some land. Not decided yet where, TN or upper AZ would be decent climates. I enjoy what I do now, but it takes up a lot of my time…I don’t plan to sit around, I’ve been saving my entire career so I can do what I want when I want. Alternatively, the direction things have been going / future economy, I might buy a military ship and become a pirate which would also be fine, I like boats.
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  13. #13
    Registered User Gabbar99's Avatar
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    About to turn 60. Haven't thought about retirement. Hope to keep going until they kick me out.
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    Registered User Cantplankwell's Avatar
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    I would like to retire at 58, but it all depends on finances, honestly not sure how much I would need. My wife is 4 years older than me so this is an important consideration.

    We had a meeting last year with an advice only planner, who does taxes, estates, succession plans, and sales of personal and family businesses. (I own a small family corp..and commercial property) He based our plan off of retaining our current incomes, which I did not understand why...he said: "things come up" "most upper income people spend more in their early retirement years...travel, helping their kids, care for their parents...etc" This has me not retiring until 63-64, possibly even later.

    Most of the reading I have done says most people do quite well on %50 to %70 percent...it depends on your appetites and maybe a little luck.

    Like a lot of small family business owners the rendering of the business and turn over of the property (if ever) is the driving force of what kind of money we might have, we have our own separate investment money but it is not going to go far enough on its own.

    So terribly uncertain about this. My two boys, who are working still live with us (both early 20s), they are just launching their careers and it is too expensive to move out right now.

    Once the kids move I am open to downsizing out of our current home.

    This is we would like to do, so many things.
    Sell our current "big" house and buy a smaller "project" house, and see if we can make money on it.
    Spend Feb/Mar somewhere warm, nothing special...just with golfing and beaches nearby.
    Travel to Europe at least once as a couple.
    We both golf so this a few of times a week, but actually spend the time getting good at it, eliminating all of those duffs and slices, not into going to snooty courses tho, stick to blue collar ones.
    Lots of cycling.
    I would like to fix up an old Porsche 911 (1974-88 era...or a 996)...this depends on just how well we do with the business financials. Its optional or maybe even a fantasy..wife thinks its throwing money away.
    I want to get active playing guitars etc again, I picked up an acoustic recently and also got an electric J-Bass. Not much time to play right now tho.
    Summer: Spend a couple of weeks with my Sister in BC on the island (beautiful area), spend a couple of weeks with my brothers family in New England each year
    Grow my own food.
    Become well read.
    Astronomy
    Learn french and spanish.
    Learn/upgrade math, for general interest and to tutor grand kids if we are fortunate enough to have them.
    Please record my time/reps if I pass out
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    In Witness Protection mtpockets's Avatar
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    Some more good stuff in here..


    Bosko another early retiree... Awesome






    Originally Posted by Cantplankwell View Post
    I would like to retire at 58, but it all depends on finances, honestly not sure how much I would need. My wife is 4 years older than me so this is an important consideration.

    We had a meeting last year with an advice only planner, who does taxes, estates, succession plans, and sales of personal and family businesses. (I own a small family corp..and commercial property) He based our plan off of retaining our current incomes, which I did not understand why...he said: "things come up" "most upper income people spend more in their early retirement years...travel, helping their kids, care for their parents...etc" This has me not retiring until 63-64, possibly even later.

    Most of the reading I have done says most people do quite well on %50 to %70 percent...it depends on your appetites and maybe a little luck.

    Like a lot of small family business owners the rendering of the business and turn over of the property (if ever) is the driving force of what kind of money we might have, we have our own separate investment money but it is not going to go far enough on its own.

    So terribly uncertain about this. My two boys, who are working still live with us (both early 20s), they are just launching their careers and it is too expensive to move out right now.

    Once the kids move I am open to downsizing out of our current home.

    This is we would like to do, so many things.
    Sell our current "big" house and buy a smaller "project" house, and see if we can make money on it.
    Spend Feb/Mar somewhere warm, nothing special...just with golfing and beaches nearby.
    Travel to Europe at least once as a couple.
    We both golf so this a few of times a week, but actually spend the time getting good at it, eliminating all of those duffs and slices, not into going to snooty courses tho, stick to blue collar ones.
    Lots of cycling.
    I would like to fix up an old Porsche 911 (1974-88 era...or a 996)...this depends on just how well we do with the business financials. Its optional or maybe even a fantasy..wife thinks its throwing money away.
    I want to get active playing guitars etc again, I picked up an acoustic recently and also got an electric J-Bass. Not much time to play right now tho.
    Summer: Spend a couple of weeks with my Sister in BC on the island (beautiful area), spend a couple of weeks with my brothers family in New England each year
    Grow my own food.
    Become well read.
    Astronomy
    Learn french and spanish.
    Learn/upgrade math, for general interest and to tutor grand kids if we are fortunate enough to have them.


    ^^^^^ This is perfect, you have been doing some thinking about it huh? One thing for sure you won't be sitting around gathering dust. Good for you, hope it comes sooner than later for you guys.
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    In Witness Protection mtpockets's Avatar
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    Originally Posted by Gabbar99 View Post
    About to turn 60. Haven't thought about retirement. Hope to keep going until they kick me out.
    Ha Ha good for you...

    Originally Posted by Plateauplower View Post
    I plan to retire at 50 or 55 (2030 or 2035) depending on economy. I’ll have a pension, hopefully substantial other retirement accounts and probably continue to take on consulting projects / litigation that interests me. I’ll get out of IL and likely move somewhere with mountains and buy some land. Not decided yet where, TN or upper AZ would be decent climates. I enjoy what I do now, but it takes up a lot of my time…I don’t plan to sit around, I’ve been saving my entire career so I can do what I want when I want. Alternatively, the direction things have been going / future economy, I might buy a military ship and become a pirate which would also be fine, I like boats.

    Awesome, I know you will have no problem keeping busy.
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  17. #17
    Old Man Lifting PhDPepper1111's Avatar
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    Great thread for this group MT. On spread.
    Lots of good input from the retired folks on here - and much admiring for ya'll!

    As a GS worker I plan to work to my max benefit - so until 62.5, and will have (finally) an army retirement a few years before that. After that I won't need to work but may do some part time teaching since I still love that. Other than that, volunteer work at my church/pro bono coaching, hopefully more travel... on the docket to do whatever I want!
    It's never too late!

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    Squats and Milk Bando's Avatar
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    Originally Posted by Plateauplower View Post
    likely move somewhere with mountains and buy some land. Not decided yet where, TN or upper AZ would be decent climates.
    Lived in Middle Tennessee for 2 years, worst climate I've ever experienced. Always hot, hazy and humid, don't think I ever saw the sun there, just endless grey skies.

    I can't wait to retire but I love my job most days so I have mixed feels.
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  19. #19
    Finally accused of juicin Corbi's Avatar
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    I have hoped to retire at 62 which is 2+ years away but unless Biden actually fulfills the campaign promise of lowering the age of medicare down to 62-60 I don't see it happening as medical costs will quickly bankrupt anyone.
    "You know that little thing in your head that keeps you from saying things you shouldn't? Yeah, well, I don't have one of those."
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    Originally Posted by Corbi View Post
    I have hoped to retire at 62 which is 2+ years away but unless Biden actually fulfills the campaign promise of lowering the age of medicare down to 62-60 I don't see it happening as medical costs will quickly bankrupt anyone.
    Your country is famous for eating a lifetimes savings to keep a dying person alive for an extra two weeks. Just don't get sick.
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    Train hard play harder Tommy W.'s Avatar
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    Originally Posted by supramax View Post
    Your country is famous for eating a lifetimes savings to keep a dying person alive for an extra two weeks. Just don't get sick.
    lol just get sick after 65 or else have really good F’in insurance. My new knee was 78k and it cost me a whopping 203.00.
    If you don't get what you want you didn't want it bad enough
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    Train hard play harder Tommy W.'s Avatar
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    Originally Posted by Corbi View Post
    I have hoped to retire at 62 which is 2+ years away but unless Biden actually fulfills the campaign promise of lowering the age of medicare down to 62-60 I don't see it happening as medical costs will quickly bankrupt anyone.
    Well he promised to cripple the oil and gas industry and he did a great job with that so maybe he’ll fulfill the Medicare promise also but Im guessing that will be along the lines of “I’m gonna unite the whole country!” Bs.
    If you don't get what you want you didn't want it bad enough
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  23. #23
    Finally accused of juicin Corbi's Avatar
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    Originally Posted by supramax View Post
    Your country is famous for eating a lifetimes savings to keep a dying person alive for an extra two weeks. Just don't get sick.
    I have all my paperwork filled out that directs the hospitals and my wife that i'm not doing any of that silly bs to get an extra week or whatever. Pull the plug and let me go.
    "You know that little thing in your head that keeps you from saying things you shouldn't? Yeah, well, I don't have one of those."
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    In Witness Protection mtpockets's Avatar
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    Originally Posted by Bando View Post


    I can't wait to retire but I love my job most days so I have mixed feels.

    Bando, understandably a lot of people wrestle with this, I know I did but not for long. I had a career that I absolutely
    Loved and was always excited to go to work, great job, great people. I wasn't forced out, it was solely my choice. I could have continued for a good number of years. In fact they wanted me to stay I even declined a part time position working a max of 10 days a month.

    At the end of the day, the job full time or part time, was a commitment and that commitment was hampering my freedom to do things whenever I wanted. Early retirement was the right choice it gave me that freedom. I still look back on my career with fond memories but after tasting retirement, I would not go back for any reason.
    Air Force Veteran 1976 - 1999

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    Banned supramax's Avatar
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    Originally Posted by Corbi View Post
    I have all my paperwork filled out that directs the hospitals and my wife that i'm not doing any of that silly bs to get an extra week or whatever. Pull the plug and let me go.
    Not that you're going to be going anywhere, but yeah.
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  26. #26
    I love bacon..... Wayne Evans's Avatar
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    Originally Posted by Cantplankwell View Post
    I want to get active playing guitars etc again, I picked up an acoustic recently and also got an electric J-Bass. Not much time to play right now tho. Astronomy....learn Spanish.
    Just throwing out my biased encouragement to move that one up on the priority list.

    I love the languages.
    Spanish, I can get by in a restaurant or asking some everyday questions but I still consider myself mono-lingual.
    Astronomy, I love the sciences too.

    Have a great day all....
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    I love bacon..... Wayne Evans's Avatar
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    Originally Posted by PhDPepper1111 View Post
    Great thread for this group MT. On spread. Lots of good input from the retired folks on here - and much admiring for ya'll!
    As a GS worker I plan to work to my max benefit - so until 62.5, and will have (finally) an army retirement a few years before thatt.on the docket to do whatever I want!
    You did 20 years int the Army? (I was USMC during Pleistocene Epoch....you suckers missed Christmas)

    I didn't think you were quite that old

    What was your MOS?

    Greenz for serving honorably.

    Back to it....
    Last edited by Wayne Evans; 06-23-2022 at 04:28 AM.
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  28. #28
    My eyes are up here. hendrixfreak70's Avatar
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    I could’ve retired at 34. I received 100% VA disability then, which became permanent and total not too long ago. At the present it’s almost 4k a month. I think that’s pretty good and can be lived on without working. I was offshore working at the time and making a TON of money between the both.

    I have a lot of equity in my home and a semi-decent savings with a few even smaller investments. I have no plans to retire in the traditional sense because I’m an assistant pastor at my church, a fundamental Baptist church (not Westboro lol).

    But I tell ya, as someone who struggled financially as a child because my mom struggled, it’s nice to know I don’t have financial worries.
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    Registered User eomrat's Avatar
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    My plan was always to retire at 50. Luckily, one of my earliest mentors convinced me that I could save 10% of my income and never miss it. Not entirely true about the never missing it part, but still some of the best advice I ever got. The same guy convinced me never to sell a house. That also worked out pretty well,... eventually. I do not have a mortgage.

    I knew pretty early on that I was never going to earn much money so I invested heavily in cutting expenses.

    I pay nothing for medical care and as soon as I can bring myself to pull the trigger on expanding my solar system, I will not have a power bill over $50.

    I never drove a new car in my life. My hobbies were always athletic type things that were not particularly costly, and I do not care for expensive clothes or resteraunts. Bicycles have definately been my greatest personal expense and I ride mid priced bikes that I bought used. I bet I have spent less than $3k on bikes in 20 years.

    I can get to almost anywhere in the world for under $600, and to most places for under $200.

    My wife leases. That is our only real luxury. I drive a 2011 Tundra and am restoring an 85 F150.
    RWGFY

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  30. #30
    Registered User Cantplankwell's Avatar
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    Originally Posted by eomrat View Post
    My plan was always to retire at 50. Luckily, one of my earliest mentors convinced me that I could save 10% of my income and never miss it. Not entirely true about the never missing it part, but still some of the best advice I ever got. The same guy convinced me never to sell a house. That also worked out pretty well,... eventually. I do not have a mortgage.

    I knew pretty early on that I was never going to earn much money so I invested heavily in cutting expenses.

    I pay nothing for medical care and as soon as I can bring myself to pull the trigger on expanding my solar system, I will not have a power bill over $50.

    I never drove a new car in my life. My hobbies were always athletic type things that were not particularly costly, and I do not care for expensive clothes or resteraunts. Bicycles have definately been my greatest personal expense and I ride mid priced bikes that I bought used. I bet I have spent less than $3k on bikes in 20 years.

    I can get to almost anywhere in the world for under $600, and to most places for under $200.

    My wife leases. That is our only real luxury. I drive a 2011 Tundra and am restoring an 85 F150.
    Good work on the budgeting and thrift! My wife is still busy nagging me about both of those after 25 years! Most days I get it.

    Cycling is such a simple pleasure, I was told once though that you are not a true cyclist unless your bike(s) are worth more than your car, and you have been hit at least twice by cars
    Please record my time/reps if I pass out
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