Are you Retired poll

Are you Retited poll

  • Retired

    Votes: 86 57.3%

  • Semi Retired

    Votes: 17 11.3%

  • Have to go to work

    Votes: 40 26.7%

  • Other

    Votes: 7 4.7%
  • Total voters
    150
lustyd said:
They might just enjoy their job. I certainly enjoyed some of the work I did that much, but as I got more senior the work got less fun and I didn't need the money so I hit eject. I do respect that others make different decisions though
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Not necessarily enjoyment . Some complain about work yet they keep at it .
I think it may be a need to feel wanted or important or to be the breadwinner and not necessarily an enjoyment of the work.
 
Momac said:
Not necessarily enjoyment . Some complain about work yet they keep at it .
I think it may be a need to feel wanted or important or to be the breadwinner and not necessarily an enjoyment of the work.
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Being of that age where a large number of my friends and colleagues are able to sign-up for retirement schemes, some of their reasoning is quite interesting.

Common reasons given for keeping working are:

I still have a mortgage / can't afford to retire yet / I'm stuck working 'till 67.
I enjoy my job / don't know what I would do if I didn't have work to go to.
My wife/partner is still working.

... and then there are the reasons that get skirted around ...

A lot of people at work have their ego tied to their job - you can see it when their chests puff out every time someone asks what they do for a living, and they can trot out their job title and employer. Once they retire, there are only so many years they can use their old job title before it begins to sound a bit sad, and their self-image can't cope with being just another pensioner.
Some people are sh!t scared of a drop in income, haven't done the planning/calculations, have no dreams or a plan for retirement.
Some are afraid of losing touch with their social circle, especially the ones who socialise with work colleagues a lot - the more time out of the working environment, the more disconnected it gets.
Some people don't really think about it until it gets foist upon them.

My approach is to embrace it, plan for it, and have a dream to look forward to. I see it as being free, like I was in my 20s, but not skint, and not having to turn up at a workplace 5 days a week.
 
newtothis said:
Retired three months ago and have escaped the reaper so far.
Since leaving the treadmill I've never felt bett....
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I should hope so. I don’t know the figures, but I doubt if there is a mortal curse on retirement; it’s just that a few cases make it seem that way. There is no doubt that some people as they go into retirement go into a decline through lack of effort, exercise or any interests to keep them going. It has always puzzled me how people could work for forty or fifty years without noticing that this was going to come to an end one day.
 
I retired in 2017 at 70, having previously never been away on the boat for more than 2 weeks my OH and I stepped on board and went off for 5 months meandering down the Atlantic coast of France, subsequently returning and leaving the boat there.
With spring and early summers sailing and 15 grandchildren between us I can't figure out how I ever got the time to go to work...
 
The difference is that I own most of a company and I am CEO. I get to do what I want when I want.
So if I want to go down to the beach after lunch, as I did today, I can do exactly that.

Of course I have a nice place to work. The commute to work takes about 3 minutes.

This is the view from my desk (where I am sitting at the moment):-

office.jpg

The pool is too cold at the moment.
The other side there is a sports room with my Concept II rower (we had a discussion on here about rowing machines, and yes I don't use it enough), weights, ski machine, vibrating machine, sauna, etc.

I could stop work completely and comfortably live here from the pension I am getting, but I would get too bored too quickly.

Having sold my pilot cutter, I will probably end up getting another boat this year. May be something small, primarily for day sailing and the odd weekend. Something I can go out for a couple of hours in the afternoon when it is nice any sunny like today. Although, there is almost no wind at the moment.

There is a rowing club near here, but I am reluctant to join and committing to turning up from time to time. I think I fancy the Polynesian canoe club more....
 
westernman said:
The difference is that I own most of a company and I am CEO. I get to do what I want when I want.
So if I want to go down to the beach after lunch, as I did today, I can do exactly that.

Of course I have a nice place to work. The commute to work takes about 3 minutes.

This is the view from my desk (where I am sitting at the moment):-

View attachment 208235

The pool is too cold at the moment.
The other side there is a sports room with my Concept II rower (we had a discussion on here about rowing machines, and yes I don't use it enough), weights, ski machine, vibrating machine, sauna, etc.

I could stop work completely and comfortably live here from the pension I am getting, but I would get too bored too quickly.

Having sold my pilot cutter, I will probably end up getting another boat this year. May be something small, primarily for day sailing and the odd weekend. Something I can go out for a couple of hours in the afternoon when it is nice any sunny like today. Although, there is almost no wind at the moment.

There is a rowing club near here, but I am reluctant to join and committing to turning up from time to time. I think I fancy the Polynesian canoe club more....
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How would you get bored…the gardening must be nonstop
 
Bouba said:
How would you get bored…the gardening must be nonstop
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Actually the gardening takes surprisingly little effort.
We only need to cut most of the grass twice a year.

The company would have to pay a fine as we do not employ any disabled workers.
So we actually subcontract some of the gardening work to a company which has disabled workers.
This enables us to avoid the fine and costs less than the fine itself.

They do some of the stuff such as trimming trees - and next time they come they will remove the tree which has fallen down and is blocking our second gate to the property.
They will now come about once a month.

The big next job for the garden is to spray the anti-mosquito spray around the house, office, pool, gym, etc.
 
Baggywrinkle said:
A lot of people at work have their ego tied to their job - you can see it when their chests puff out every time someone asks what they do for a living, and they can trot out their job title and employer.
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My cunning plan was to have such a crap job that I could walk out of it and likely get a better one the following Monday.

It made it very easy to pack it all in and sail to the Caribbean!
 
A lot of jobs changed substantially over 40 years, so although I enjoyed my work and had lots of independence the context became less pleasant. On becoming a widower, it was very easy to give it all up a bit early - though in my line there are plenty of doddery old boys clinging on and refusing to go (still trying to argue their PhD). Universities must be regretting the end of retire at 65 regime. A decade now. Happy.
 
Baggywrinkle said:
My approach is to embrace it, plan for it, and have a dream to look forward to. I see it as being free, like I was in my 20s, but not skint, and not having to turn up at a workplace 5 days a week.
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That what I did .
I made it to my UK state pension age of 66 last year and finished work three months later.
My wife is only 2 weeks younger than me so we started out state pensions at much the same time.
I had reduced my working hours in the last year or so which was great transition. Ultimately going from 2 days a week to none was not a big deal and it also made a good a financial transition.
I am going to do a little gardening now, followed by sorting out some plumbing and then down to the boat which is ashore and being launched tomorrow.
 
For us (as in we forumites) retirement means not missing out on a boaty day.....except for medical appointments
 
I have to say I immensely enjoyed my work (if not all the companies I worked for). Which was as well as needed a 25 year mortgage for my new start at age 47 which meant no retirement possible till 73

Still we have managed 3 months sailing a year since 2018 and am blessed with 2 cute granddaughters so alll fine with me

Current wife said her ex resented working as a teacher and though I was much sounder in just getting on with work and such like
 
Momac said:
That what I did .
I made it to my UK state pension age of 66 last year and finished work three months later.
My wife is only 2 weeks younger than me so we started out state pensions at much the same time.
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I was lucky that my three company pensions were set up in the days of retirement at 65, so I was still able to go at 65.
Swmbo is 1 year and 2 months younger than me, however she had to retire in her 40s due RSI and a back injury. Luckily we each had loss of wages insurance ( mortgage requirement) that had been running just two years.. for once the insurance*** worked and that has paid out much more than we ever paid in..
Though both injuries are still painful 30 years after she retired.

*** The insurance company did lots of checks and did tricks like turning up at the house a day early for assessments or turning up unannounced, to catch her out if she was lying.
Several assessments in the first year. Then they kept reassessing her every year for 5 years before they finally admitted defeat.
 
The Q said:
I was lucky that my three company pensions were set up in the days of retirement at 65, so I was still able to go at 65.
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I could have retired earlier and almost retired at 65 . But I was offered and I took the opportubity to continue just over another year part time .
 
The Q said:
I was lucky that my three company pensions were set up in the days of retirement at 65, so I was still able to go at 65.
Swmbo is 1 year and 2 months younger than me, however she had to retire in her 40s due RSI and a back injury. Luckily we each had loss of wages insurance ( mortgage requirement) that had been running just two years.. for once the insurance*** worked and that has paid out much more than we ever paid in..
Though both injuries are still painful 30 years after she retired.

*** The insurance company did lots of checks and did tricks like turning up at the house a day early for assessments or turning up unannounced, to catch her out if she was lying.
Several assessments in the first year. Then they kept reassessing her every year for 5 years before they finally admitted defeat.
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Used to be that they would puncture your tyre to see if you could change it…but nowadays they can just check your social media to see photos of your adventure holidays
 
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