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fyree39

Why did you decide to retire when you did?

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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?

 

When I first entered the workforce as an adult with a job that had a defined pension plan, a very wise personnel counselor told me "On the day you are eligible to retire, from then on you are working for the difference"

 

When I was offered an early retirement opportunity at age 53, I did the math and found the difference in my bottom line take home would be $500 a month. I decided I wasn't working anywhere for $500 a month and was out of there in two weeks.

 

Never even missed the $500.

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I submitted my retirement paperwork on Wednesday. I've been on cloud nine ever since!

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I submitted my retirement paperwork on Wednesday. I've been on cloud nine ever since!

 

 

 

Congratulations! It is such an amazing feeling!

 

 

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I worked 4o years as a nurse and one day I just had it .It had been building up so I retired at 60 and never looked back.

This is how I've been feeling. I have a job that goes from being dead quiet to extremely busy. In the dead quiet weeks I take that breather: No projects, no meetings, longer lunches (though I make this up at the end of the day). My immediate supervisor has been breathing down my neck and micromanaging. I can't tolerate micromanaging. So, I'm outa there!

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I submitted my retirement paperwork on Wednesday. I've been on cloud nine ever since!
Good for you. Time will seem slow at first and then you will say, I have been retired THAT long.;)

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I had a high-pressure job that I mostly enjoyed. I promised myself that, if I ever found myself not enjoying it/being miserable more than half the time for a sustained period, I would leave it. That started happening around the time I reached the age at which my financial advisor told me I could afford to retire. So, rather than change jobs, I retired. I do still take on occasional contract work, primarily to fund my cruising, but I still have control over my schedule and my life. I highly recommend it.

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I worked 4o years as a nurse and one day I just had it .It had been building up so I retired at 60 and never looked back.

CONGRATS!! I've been a staff nurse doing direct patient care for 27 years and my body is taking such a beating that I can't get through the day without taking ibuprofen a couple times. I have 10 months left before I retire (at 65) so I'm just taking one day at a time.

 

Enjoy your new-found freedom and do all those things you've had to put on the back burner all these years. :D

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Interesting question!

 

We had planned to retire earlier than we did, but the economic crash in 2008 kind of put a kink in our plans. My husband semi retired - he was an independent contractor. I had a job I loved and was working with a group of great people in a very nice environment. The only thing I hated was the commute - and getting up at the crack of dawn.

 

So I ended up working past my retirement age. When I went to Social Security to sign up because I was trying to decide when to retire, I found out that I fell into a rather advantageous loophole. A first for me, because I usually end up in disadvantageous potholes. I was able to collect from my husband’s account while continuing to pay into my own. Don’t go looking for that - they have found it and closed it. One of the the few times in my life that I lucked out with something like that.

 

So I worked for another year and I was planning to retire at the beginning of the summer. In March, my boss called me in and told me they were going to be cutting back. There were 2 of us doing the same job, so we were going to have to go through a hiring process with interviews and tests to see which one of us would stay. In my head, I’m groaning and trying to decide what I want to do because I really didn’t want to go through the hassle. Plus the guy I worked with was a really nice guy with a young family.

 

As I’m listening and thinking, I hear the HR person say, “Or you could take the package!” I immediately thought, “There’s a package???”

 

Another serendipitous moment. I’d been kind of wishing for just this kind of opportunity. I was going to retire, but I thought it would be lovely to have some benefits.

 

I didn’t tell them that. I just agreed to the interview process. I talked it over with my husband and we agreed that retiring was a no brainer!

 

The next day, I told my boss that I’d like to discuss the package. He was thrilled. Like most, he really hated letting someone go. I also told him that we could just tell everyone that I was retiring. He was happy about that too because people always get nervous when their are cutbacks.

 

The package was great and included some nice benefits. They said they would have a retirement luncheon - and I never turn down a party. They gave me a rather large American Express gift card as a retirement gift.

 

I have never looked back. Not regretted it once. Being retired is the best job I’ve ever had! We were lucky in having a very good financial planner and we had him for a very long time.

 

We had saved the money I got from Social Security while I was working. Combined with the retirement package, we were able to go on our “trip of a lifetime” - a Viking River cruise on the Rhine with business/first flights, extra days in Amsterdam and Lucerne. It was absolutely wonderful!

 

Don’t wait until you can’t do the things you want to. You never know what the future holds. We don’t plan to leave inheritances, nor spend our hard earned money on a nursing home.

 

We have worked things out with our finance guy and know how much cruising and traveling we can manage and we are going for it. Damn the torpedoes, full speed ahead!

 

 

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I worked 4o years as a nurse and one day I just had it .It had been building up so I retired at 60 and never looked back.

It was building up for me. When I was offered this position 2 years ago I said I'd stay past retirement age due to the opportunity they were offering me. I had no idea just how stressful the job was and after about a year that build-up started going on inside me. There were days I'd sit at my desk with my head in my hands internally groaning at some of the stuff that was coming up with the job. VERY stressful.

 

We'll have to do some belt-tightening and I've been keeping a budget for the bast several months to see where our money is going. I can see now that most of our spare income is going to cruises! That might have to change in retirement, but that will just make the cruises we take sweeter.

 

We're also looking forward to some road trips. There is much of this country I haven't seen, particularly the northern states like Minnesota and Montana. My husband is a born and bread Californian and has seen even less than I. I've been pulling out our old Atlas and simply looking at states that might be fun exploring. Hello, Wyoming! How-do, Oklahoma! Greetings to Georgia! That sort of thing.

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We'll have to do some belt-tightening and I've been keeping a budget for the bast several months to see where our money is going. I can see now that most of our spare income is going to cruises! That might have to change in retirement, but that will just make the cruises we take sweeter.

 

We're also looking forward to some road trips. There is much of this country I haven't seen, particularly the northern states like Minnesota and Montana. My husband is a born and bread Californian and has seen even less than I. I've been pulling out our old Atlas and simply looking at states that might be fun exploring. Hello, Wyoming! How-do, Oklahoma! Greetings to Georgia! That sort of thing.

I'll be retiring about 6 months after you and will also likely need to tighten the belt. My retirement gift to myself is a world cruise, but after that I'll probably have to take short and cheap cruises. Fine with me as long as I can still go at least once a year.

 

I also plan to do some car trips around the country. So many places still to see....the South, the West, New England. :cool:

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We owned our own business and were given an offer we could not refuse.

Love being retired! :hearteyes:

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I retired from teaching elem school last June. I put in the paper work the moment I was eligible. I still loved the children ( I mostly taught 1st grade and Kindergarten during my 30 yrs) and teaching, however I was being forced to conduct developmentally inappropriate activities and put in 9 to 11 hour days with only useless paperwork to show for it. I was tired of making children cry because they were REQUIRED to be on a computer for x # of mins a day, take a test on subjects they hadn’t been taught just to see what they already knew ( 5 & 6 yr olds don’t understand this concept), no more nap time for all day Kindergarten because academics need more time. My last year was wonderful, because I knew I was going to retire and I did things my way! By the end of that year 1/3 of my Kinder class was reading on a 1st grade level, most of the others knew all letters & sounds, and the only who didn’t were sweet little ones with cognitive issues.

I now work for my husband, am on his company’s insurance, am active with some church groups, take care of our granddaughter occasionally and VOLUNTEER at the school I retired from. We are able to take 2 cruises this year instead of 1. I have absolutely NO REGRETS!

 

 

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Im still working but the City is on Probation... Im a Fire Captain and although I'm in great shape at 60 it is a young man's game, I was going to leave in April 18... then July 18, now April of 19 with the DW as she will be eligible then... We will retire from City of Las Vegas on 4/4/19 and Leave on the NCL Jade southern Caribbean 10 day in a Suite on 4/12/19...

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The chemicals at my job either caused my asthma or just made it worse. After getting pneumonia 4 times in 3 years, the wife and I decided to retire at 63.

I am so glad I did. Less than 4 years after I retired, I lost my wife of over 46 years. I am so grateful for the time we had together, just the two of us. If I had waited for retirement age, I would have missed so much.

There are no guarantees in life. Enjoy what you are able to do while you can.

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^^^ That is the reason I retired at 53. I saw too many others retire and not have enough time with their spouse. Since I was able to afford it, I decided life with my family was way more important than work. I now work part time and make my own schedule. Best decision of my life!

 

 

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The chemicals at my job either caused my asthma or just made it worse. After getting pneumonia 4 times in 3 years, the wife and I decided to retire at 63.

I am so glad I did. Less than 4 years after I retired, I lost my wife of over 46 years. I am so grateful for the time we had together, just the two of us. If I had waited for retirement age, I would have missed so much.

There are no guarantees in life. Enjoy what you are able to do while you can.

I'm so sorry for the loss of your wife, but glad you both got those years together without having to work. It's so true that we never know what the future holds (although I'm glad I know who holds the future) and time with family is so very important as we get older.

 

Unfortunately I'm single and will only have my own small savings to live on so I haven't been able to retire yet. I need to get to my full retirement age (66) so I can get my SS based on my ex-hubby's income, then at 70 I'll be able to get my maximum SS. I'm just a middle class worker, not making a very big salary. I have 10 months left to work, but am still nervous about whether I'll have enough to live on after I retire.

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Im still working but the City is on Probation... Im a Fire Captain and although I'm in great shape at 60 it is a young man's game, I was going to leave in April 18... then July 18, now April of 19 with the DW as she will be eligible then... We will retire from City of Las Vegas on 4/4/19 and Leave on the NCL Jade southern Caribbean 10 day in a Suite on 4/12/19...

 

Love your retirement plan and the Jade is a nice ship. I sailed on her for my wife's retirement cruise back in 2015. She went under a complete overhall and looks so nice now.

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I have 10 months left to work, but am still nervous about whether I'll have enough to live on after I retire.

You may find you can live on less in retirement. Food can be cheaper because you have time to fix from scratch. You don't need as many clothes. You can consolidate shopping trips because you don't have a schedule.

I hope for the best for you and wish you a happy retirement.

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