I file tomorrow .

Olddognotrick said:
Retired for two years now and still seem to not have enough time. But , I do have two kids under six and a wife that has different plans than what I was planning on doing. But I am starting to get to some of the projects that I’d had planed for years.
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This may sound crazy, but I got more done for myself around the house when I was working. Maybe age has caught up with me. It seems I just don't have the desire for things I loved to do before.
 
Charles scozzari said:
This may sound crazy, but I got more done for myself around the house when I was working. Maybe age has caught up with me. It seems I just don't have the desire for things I loved to do before.
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It's been about a year of "freedom" for me. I have LOTS of things to do, but wasn't getting a lot of them done. I remember asking a manager at my former workplace for some advice one time when the feces hit the rotating oscillator, "Steve, we have 5 problems in 5 areas that you say all need my immediate attention. You're a smart manager, can you tell me how I should go about managing to be in 5 places at the same time? I'm thinking I'll go work on the most important one first, get it contained/resolved, then move onto the next one. As far as I know, Human cloning is still illegal!"

I've had to do the same thing at home; have my self-generated "honey-do" list and work on the top thing until it's done or at a stopping point. Otherwise, I'd start working on something for a while, then start working on excuses to move onto something else!

Bruce
 
BGHansen said:
It's been about a year of "freedom" for me. I have LOTS of things to do, but wasn't getting a lot of them done. I remember asking a manager at my former workplace for some advice one time when the feces hit the rotating oscillator, "Steve, we have 5 problems in 5 areas that you say all need my immediate attention. You're a smart manager, can you tell me how I should go about managing to be in 5 places at the same time? I'm thinking I'll go work on the most important one first, get it contained/resolved, then move onto the next one. As far as I know, Human cloning is still illegal!"

I've had to do the same thing at home; have my self-generated "honey-do" list and work on the top thing until it's done or at a stopping point. Otherwise, I'd start working on something for a while, then start working on excuses to move onto something else!

Bruce
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My problem has always been not completing things I start. I have at least a dozen things on the back burner. I do have to attribute some of the problem to jobs that I take in eating time up. I also find if I am doing a personal job that I am not happy with I put it aside for a while. But still think of what I intend to do to complete it. I don't have enough to do so Im in the process of bringing my 1975 Pontiac Trans Am into the garage for a motor swap and other mods. What the hell Iv'e only had it for 13 years. I don't think I will/can change now. I do have to say once my wife retired things have made it harder to find time for the things I want/need to do.
 
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graham-xrf said:
I delayed retirement for way too long. Self-employed, I was afraid of what would happen if the income stopped, so I kept piling savings into the separate second private pension. The COVID thing in 2020 bounced me out. Given that my retirement was delayed, I do get the benefit of the larger payout from the state pension.
BUT..
I forget who first said it to me. "However little you think you may have, you can end up with more money than time"!
I regret hanging in there for so long. I should have retired somewhat earlier.

Congrats! Enjoy it. Do stuff for yourself that you have been putting off for years.
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The similar line I heard was "You can always make more money, but you can't make more time".

I recall my dad commenting to folks who were vacillating on retirement with the fear, "But I'm going to be on a fixed income!" He'd reply, "You are on a fixed income while you are working. It's not like you can say 'boss, I'd like my salary doubled'. Look at your last 3 years of bills for a snapshot of your expenses. Try to get your head out of the 'I have to keep saving money' mode, as in retirement you shouldn't/don't need to save for the future. Add up your sources of income and do the math. If work is a real stresser, understand that maybe shifting to a less-expensive lifestyle may be better for your health in the long run. If you like what you do, keep working.

Financially, I should have retired at least 5 years ago. We're in really good shape, better than we deserve. I can bore you with more details, but it'd sound more like bragging than confessing. Quick version is our income is going up as a result of me retiring. It has to, or we're going to be handing our kids a tax problem when we pass away. It'll be "found" money to them, but they'd be getting it over 10 years with a lot of it in the 32% tax bracket. We've been in the 22% bracket while working, but are going to pull out enough 401K money to put some of it in the 24% bracket. It's either pull it now at 24%, or let it set and grow so our kids are stuck pulling it and likely slipping into the 32% bracket. I was unaware that inherited 401K/IRA's need to be liquidated by the grantees within 10 years. Learned this when my mom passed away last year.

My wife has wanted a pond on our property for years. Her "dream" is to be able to throw a line in the water and catch dinner. Not being a total dumb *ss, I've told her for years to put in whatever she wants; the longer we wait, the less time we'll have to enjoy it. We've been emailing (she still works 3 days a week) sketches back and forth this morning. I can see she's having a "busy" day at work! We'll likely be going with the lower sketch; best for proximity to the house and layout of the land.

Bruce


Our 64-acres in Charlotte, MI
1673974765137.png

Upcoming "POTD" or however long it takes to dig a 17 foot deep (depth needed to stock Brook Trout) pond. We saved money for 35+ years, time to enjoy some of it!
1673974570190.png
 
BGHansen said:
The similar line I heard was "You can always make more money, but you can't make more time".

I recall my dad commenting to folks who were vacillating on retirement with the fear, "But I'm going to be on a fixed income!" He'd reply, "You are on a fixed income while you are working. It's not like you can say 'boss, I'd like my salary doubled'. Look at your last 3 years of bills for a snapshot of your expenses. Try to get your head out of the 'I have to keep saving money' mode, as in retirement you shouldn't/don't need to save for the future. Add up your sources of income and do the math. If work is a real stresser, understand that maybe shifting to a less-expensive lifestyle may be better for your health in the long run. If you like what you do, keep working.

Financially, I should have retired at least 5 years ago. We're in really good shape, better than we deserve. I can bore you with more details, but it'd sound more like bragging than confessing. Quick version is our income is going up as a result of me retiring. It has to, or we're going to be handing our kids a tax problem when we pass away. It'll be "found" money to them, but they'd be getting it over 10 years with a lot of it in the 32% tax bracket. We've been in the 22% bracket while working, but are going to pull out enough 401K money to put some of it in the 24% bracket. It's either pull it now at 24%, or let it set and grow so our kids are stuck pulling it and likely slipping into the 32% bracket. I was unaware that inherited 401K/IRA's need to be liquidated by the grantees within 10 years. Learned this when my mom passed away last year.

My wife has wanted a pond on our property for years. Her "dream" is to be able to throw a line in the water and catch dinner. Not being a total dumb *ss, I've told her for years to put in whatever she wants; the longer we wait, the less time we'll have to enjoy it. We've been emailing (she still works 3 days a week) sketches back and forth this morning. I can see she's having a "busy" day at work! We'll likely be going with the lower sketch; best for proximity to the house and layout of the land.

Bruce


Our 64-acres in Charlotte, MI
View attachment 434021

Upcoming "POTD" or however long it takes to dig a 17 foot deep (depth needed to stock Brook Trout) pond. We saved money for 35+ years, time to enjoy some of it!
View attachment 434019
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Im not by any means a jealous guy But I am envious of your and many others on the sites property. Ive been trying to get out of where I am for twenty years. I hate it here. I am thankful for what I have but always wanted peace and quiet. But now with 6 grandchildren and one great grandchild I can never leave. Your plan sounds great. Enjoy what you've worked for.
 
Charles scozzari said:
Im not by any means a jealous guy But I am envious of your and many others on the sites property. Ive been trying to get out of where I am for twenty years. I hate it here. I am thankful for what I have but always wanted peace and quiet. But now with 6 grandchildren and one great grandchild I can never leave. Your plan sounds great. Enjoy what you've worked for.
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There is something to be said about having family around; cherish them! My parents were very happy that my sister and bro-in-law raised their kids less than 2 miles from them. My wife and I raised ours 18 miles away, so still local. My dad was the "great white hunter" and spent a lot of time on our property.

We enjoy the privacy. I enjoy stepping out of my shop or any door of the house to water the lawn without worry (other than checking the direction of the wind).

Bruce
 
BGHansen said:
There is something to be said about having family around; cherish them! My parents were very happy that my sister and bro-in-law raised their kids less than 2 miles from them. My wife and I raised ours 18 miles away, so still local. My dad was the "great white hunter" and spent a lot of time on our property.

We enjoy the privacy. I enjoy stepping out of my shop or any door of the house to water the lawn without worry (other than checking the direction of the wind).

Bruce
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Your family has been Blessed and I am very happy for you. Enjoy (I'm sure you do) every minute of it.
 
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