Phoenix of Hamble
Well-Known Member
thats what? £76 a week?...... doesn't sound very feasible to me.... I gues you could survive, but while i'm not looking to live a life of luxury and excess, it does sound a bit on the light side.....
What AGE are you planning or indeed DID retire... and if pos.. how.. ?
- Thread starter captainslarty
- Start date
LadyJessie
Well-Known Member
Re: What AGE are you planning or indeed DID retire... and if pos.. how
I did decide in my early thirties that I needed to go sailing and leave the professional office life as soon as possible. It was just a means to an end. I set my goal at 55 years and started to set up pension plans accordingly. Then my father who had run his own business until he retired at 74 years of age, died just one year later. It reinforced in me the idea that early retirement is a good idea. I managed (thanks more to good market developments than any skill on my part) to secure enough funds to retire at the age of 48. In hindsight, the best decision I have ever made. Everybody who has retired early will tell you that their only regret is that they did not do it earlier. I know several 'early stoppers' here in the Med and we have the our shared slogan: "retirement is wasted on the old". So true.
I did decide in my early thirties that I needed to go sailing and leave the professional office life as soon as possible. It was just a means to an end. I set my goal at 55 years and started to set up pension plans accordingly. Then my father who had run his own business until he retired at 74 years of age, died just one year later. It reinforced in me the idea that early retirement is a good idea. I managed (thanks more to good market developments than any skill on my part) to secure enough funds to retire at the age of 48. In hindsight, the best decision I have ever made. Everybody who has retired early will tell you that their only regret is that they did not do it earlier. I know several 'early stoppers' here in the Med and we have the our shared slogan: "retirement is wasted on the old". So true.
captainslarty
N/A
Re: What AGE are you planning or indeed DID retire... and if pos.. how
Ahhhhhhhhhhhhhhhhhhhh ! suzy..
such a sweet thing... you WILL find it.. but you need to be out there..
Ahhhhhhhhhhhhhhhhhhhh ! suzy..
such a sweet thing... you WILL find it.. but you need to be out there..
captainslarty
N/A
Re: What AGE are you planning or indeed DID retire... and if pos.. how
Jessy, I BOW. ! seriously..
For an accountant, you are the sodium chloride of the earth,,, would love to offer ya a beer... /forums/images/graemlins/ooo.gif
any time dude, me fridge is always cool
Jessy, I BOW. ! seriously..
For an accountant, you are the sodium chloride of the earth,,, would love to offer ya a beer... /forums/images/graemlins/ooo.gif
any time dude, me fridge is always cool
Tranona
Well-Known Member
Re: What AGE are you planning or indeed DID retire... and if pos.. how
I've spent a big chunk of my life travelling and still enjoy the journey as well as the arrival. Perhaps not suited to giving it all up and changing lifestyle completely. Therefore aim to maximise enjoyment on a number of fronts. Really enjoyed the Ferrari museum and spending two days in Bugatti land, but best of all standing on the pitstraight of the old Reims circuit early on a Sunday morning and reliving some of the images of my childhood memory. Not sure it beats going through the Alderney Race with the tide under you or finding the entrance to Lakka harbour on Paxos after a brisk sail from Mourtos but for me variety is all.
So much to see and do!
I've spent a big chunk of my life travelling and still enjoy the journey as well as the arrival. Perhaps not suited to giving it all up and changing lifestyle completely. Therefore aim to maximise enjoyment on a number of fronts. Really enjoyed the Ferrari museum and spending two days in Bugatti land, but best of all standing on the pitstraight of the old Reims circuit early on a Sunday morning and reliving some of the images of my childhood memory. Not sure it beats going through the Alderney Race with the tide under you or finding the entrance to Lakka harbour on Paxos after a brisk sail from Mourtos but for me variety is all.
So much to see and do!
captainslarty
N/A
Re: What AGE are you planning or indeed DID retire... and if pos.. how
Indeed.. whatever rocks yer boat..
and.. it dont NEED to be a boat.. its a way out, a path to slef imposed freedom from control and a life that mostly you dictate..
go for it.. enjoy
Indeed.. whatever rocks yer boat..
and.. it dont NEED to be a boat.. its a way out, a path to slef imposed freedom from control and a life that mostly you dictate..
go for it.. enjoy
LadyJessie
Well-Known Member
Re: What AGE are you planning or indeed DID retire... and if pos.. how
Slarty; would love to have a beer with you. When are you finally going to get into the eastern Med?
Slarty; would love to have a beer with you. When are you finally going to get into the eastern Med?
Haven't-a-Clue
Well-Known Member
(Sigh!) It's not going to happen for me. I think the best I can hope for is to spend as much time as possible day & weekend sailing with maybe a trip to the Med. It's the wife - she's not sailed before and needs 'room' - and I doubt she'll change, I mean, occaisionally (spelling) she throws a wobbly and says 'lets just emigrate or get out of here, I can't stand it' but the next day she says 'it's a lovely house, we're so lucky'. So I don't think she'd go for anything less than a 40 footer with ALL the trimmings, whereas myself, I think I'm a closet agorophobic and like nothing better than something small and well designed and thought out, where I can just shut out the world. And yet, I love wide open spaces - when we toured the Western USA, she got very bored with me saying 'wow look at that, isn't it fantastic' etc whenever we topped a rise and another 70mile wide flat desert valley with cactii and a ruler-straight road disappearing into the heat haze. As for pension, finance etc, well, we'll probably end up with the state pension and a couple of SMALL private ones. We don't have kids (just didn't happen for us), but we will have our house and hopefully whatever sailing boat we own paid for, so I guess we won't be too badly off come age 60. She wants a small property on the south coast which can be rented out during the winter months and a small place on either the French Atlantic coast or the French Med. I could live with this IF she'll agree to sail between the two. But I guess I'll always long to slip lines and sail off into the wild blue yonder, so unless she decides she just LOVES sailing and living aboard a 30 foooter, I suppose it'll be back and forth between France and the UK. I couldn't do it without her, 'cos I love her so much, so I'll settle for what I can get, soory about the spelling, cant see the keybord.
curve
Well-Known Member
But that is a great compromise. You do get to sail a lot more and you do get to stay with your soul mate.
captainslarty
N/A
Absolutely agreed, and in THAT you are lucky..
Most wake up and see the after effects in later life without makeup and wonder what they married.. I envy you,, as I am sure do many others.
Most wake up and see the after effects in later life without makeup and wonder what they married.. I envy you,, as I am sure do many others.
trouville
N/A
Re: What AGE are you planning or indeed DID retire... and if pos.. how
You can live aboard on a small budget we have several challenged liveaboards who.With £300 PM can live well providing you dont buy ANY thing for several months.to AF you can visit the canals!!only good for one season though
During summer you can anchor quite well today if your a social type. There are still a lot of free places for less than 8m & 1.10 draft or 2.20 beam
You need a kit for the economically challenged to use internet and a guide to eating
Once the summers over providing you havent visited cafès bought equipment you will have 2000 euros saved!!
Now you can relax a bit enjoy winter in a free or very inexpensive port free is mostly better as its near er towns and life with markets shops & other distractions
You will be able to work in town or on boats or internet?? IF not your £300 will keep you with enough to eat out well! or join evenings for those challenged to find a way to use there money or those economicaly challenged point
As your aboard & in the med (wouldn't recommend the Atlantic its a bit expensive over all 12M & chilly) you must be a bit "able" and will very soon find lots of income??(relativly) thats ive been told someting i havent learnt how not to burn your money in freezing fear misery before reterning to the med.
You realy dont need much to be very comfortable happy & content
Remember always to have about 2000 euros to hand for what ever
You can live aboard on a small budget we have several challenged liveaboards who.With £300 PM can live well providing you dont buy ANY thing for several months.to AF you can visit the canals!!only good for one season though
During summer you can anchor quite well today if your a social type. There are still a lot of free places for less than 8m & 1.10 draft or 2.20 beam
You need a kit for the economically challenged to use internet and a guide to eating
Once the summers over providing you havent visited cafès bought equipment you will have 2000 euros saved!!
Now you can relax a bit enjoy winter in a free or very inexpensive port free is mostly better as its near er towns and life with markets shops & other distractions
You will be able to work in town or on boats or internet?? IF not your £300 will keep you with enough to eat out well! or join evenings for those challenged to find a way to use there money or those economicaly challenged point
As your aboard & in the med (wouldn't recommend the Atlantic its a bit expensive over all 12M & chilly) you must be a bit "able" and will very soon find lots of income??(relativly) thats ive been told someting i havent learnt how not to burn your money in freezing fear misery before reterning to the med.
You realy dont need much to be very comfortable happy & content
Remember always to have about 2000 euros to hand for what ever
mike_bryon
Well-Known Member
We sought out a different solution and decided to go sailing without being superannuated. Four years ago with young children the prospect of retiring to sail, me at 45 my wife 36 was beyond our means so we reinvented ourselves and instead found ways to earn a living that would sustain the sailing lifestyle. We gave up the day jobs (my wife taught at a university I ran a couple of businesses) and we gave up the house, mortgage, car, running to stand still sensation etc and resolved to find a mobile way of earning a crust. Now I write and my wife teaches languages (she speaks five and when we arrive somewhere places adverts in the local paper etc). It has taken a few years to complete the transformation and it took some adjustment but now retiring for us would mean stopping what we want to do rather than starting it. so I hope I never retire.
Jock89
Well-Known Member
Great subject again Cap'n.
suzy...I've been here all the time, waiting for you.! Where've you been.?
This is probably something that most of us have wondered about over the years, from time to time, I know I have,...i.e...all you ever wanted to know about other peoples incomes, but were too afraid to ask.!
In the early '70s I used to wander down to the Durban Yacht Mole & see who'd just arrived & go & have a chat. I used to say to my mate...we could be doing this you know.! We could have split everything 2 ways as well but he was never interested in yachts like I was & I couldn't afford a yacht on my own in those days, so had to abandon the idea, then in later years divorce-lost the house,etc...had to start all over again.
Well, I started making some much better money a few years ago, & and being single again...every Pound was a Prisoner. So here we are, & after a bit more essential equipment, my boat will be ready soon. It's been quite a sacrifice to get so far, (i.e..through working for other bloody people.!) and I've already spent about 150% of the purchase price & not finished yet.
It's taken me 30 yrs to actually make it happen, & apparently I'm now 65, (but going on 40) or so it says on this piece of paper-but there's obviously been a mistake.!
But boy!.. am I ready for this.!
If I'd made better money 30 yrs ago I'd have bought a boat then & my future would have just had to take care of itself.
That's just me though, I've never worried about what the future holds for me, I've never been on a 'career path' or owned a business. I fully expect to manage fine on the government pension, I don't have expensive tastes & I cook quite well now, & if there's an attractive 18-to-55 yr old female out there who'd like to join me, give me a call.!.
"All shall be well, & all manner of things shall be well.!"
Jock
suzy...I've been here all the time, waiting for you.! Where've you been.?
This is probably something that most of us have wondered about over the years, from time to time, I know I have,...i.e...all you ever wanted to know about other peoples incomes, but were too afraid to ask.!
In the early '70s I used to wander down to the Durban Yacht Mole & see who'd just arrived & go & have a chat. I used to say to my mate...we could be doing this you know.! We could have split everything 2 ways as well but he was never interested in yachts like I was & I couldn't afford a yacht on my own in those days, so had to abandon the idea, then in later years divorce-lost the house,etc...had to start all over again.
Well, I started making some much better money a few years ago, & and being single again...every Pound was a Prisoner. So here we are, & after a bit more essential equipment, my boat will be ready soon. It's been quite a sacrifice to get so far, (i.e..through working for other bloody people.!) and I've already spent about 150% of the purchase price & not finished yet.
It's taken me 30 yrs to actually make it happen, & apparently I'm now 65, (but going on 40) or so it says on this piece of paper-but there's obviously been a mistake.!
But boy!.. am I ready for this.!
If I'd made better money 30 yrs ago I'd have bought a boat then & my future would have just had to take care of itself.
That's just me though, I've never worried about what the future holds for me, I've never been on a 'career path' or owned a business. I fully expect to manage fine on the government pension, I don't have expensive tastes & I cook quite well now, & if there's an attractive 18-to-55 yr old female out there who'd like to join me, give me a call.!.
"All shall be well, & all manner of things shall be well.!"
Jock
Searush
Well-Known Member
Retiring from work is easy. Retiring from the other ties; family, friends, lifestyle habits etc., is the hard part. You need to want change more than what you already have.
If one's current lifestyle suits, change is then a poor option. Nothing will ever run smooth all the time, but, by & large I am happy with what I have - semi-retired, sadly a long way from the sea, but happily close to my kids & grand children.
Oh, and good thread Captain, thanks for an excellent, thought provoking question.
If one's current lifestyle suits, change is then a poor option. Nothing will ever run smooth all the time, but, by & large I am happy with what I have - semi-retired, sadly a long way from the sea, but happily close to my kids & grand children.
Oh, and good thread Captain, thanks for an excellent, thought provoking question.
Abestea
Well-Known Member
Ok, just need to check my situation so i know what i need.
Boat......................................... Check.
Boat set up for long term............ Ongoing.
Hot female sailing girlfriend........ very missing (offers considered)
Financial independence.............. missing
No problem
I am going to try and make it happen as soon as possible.
I think the biggest problem people must have is knowing what to do to continue to work and earn money while sailing off into the sunset. I have not got a clue what i could do to earn money while on the move.
Boat......................................... Check.
Boat set up for long term............ Ongoing.
Hot female sailing girlfriend........ very missing (offers considered)
Financial independence.............. missing
No problem
I am going to try and make it happen as soon as possible.
I think the biggest problem people must have is knowing what to do to continue to work and earn money while sailing off into the sunset. I have not got a clue what i could do to earn money while on the move.
CPD
Well-Known Member
Have set 55 as the latest to go. Financially should be possible. All I need now is a bigger boat and a woman /forums/images/graemlins/smile.gif
ironmaiden
Well-Known Member
well I'm hoping to re-write Annie Hills book on doing it "cheap". to the point that I'm going to make her look like a multi-millionair.... I'm building my own steel 32 footer, on which Nat and myself are going to just take off to where ever the fancy takes us... we dont need all the cr*p and trappings of todays society. you slog your guts out by working 3/4 of every day. then spend 90% of what you earn by giving it to income tax, council tax, road tax, insurance and all the other drivel that you don't really need,....... ya carn't even watch all the cr*p that they keep repeating on tv unless you pay £100 and odd quid a year to do so....
The saying "get a life" springs to mind.......
we are, she's called "simunye" and we carn't wait to get her finished and launched.
I'm 51 and I feel that I've missed used abour 30 of those years .....but then hind sight is a wonderfull thing.
Rach.
The saying "get a life" springs to mind.......
we are, she's called "simunye" and we carn't wait to get her finished and launched.
I'm 51 and I feel that I've missed used abour 30 of those years .....but then hind sight is a wonderfull thing.
Rach.
absit_omen
Well-Known Member
[ QUOTE ]
Most wake up and see the after effects in later life without makeup and wonder what they married
[/ QUOTE ]
I presume you are something of a young Peter Pan for you to make that comment!
Watch it! You are initing a flaming from the gentler sex. Don't spoil a perfectly good thread.
Most wake up and see the after effects in later life without makeup and wonder what they married
[/ QUOTE ]
I presume you are something of a young Peter Pan for you to make that comment!
Watch it! You are initing a flaming from the gentler sex. Don't spoil a perfectly good thread.
Tranona
Well-Known Member
Great Saturday night thread that captures the variety of the human condition. In some ways I envy the "sod the rest of them" attitude but it isn't for everybody.
Tomorrow my wife of 40 years and I will leap into our Morgan and visit our children / grandchildren for Danny's 4th birthday. Add that to all the boaty things and you would rightly think "what a lucky B*****D".
Just pray it doesn't rain as we don't do hoods!
Tomorrow my wife of 40 years and I will leap into our Morgan and visit our children / grandchildren for Danny's 4th birthday. Add that to all the boaty things and you would rightly think "what a lucky B*****D".
Just pray it doesn't rain as we don't do hoods!
jordanbasset
Well-Known Member
Re: What AGE are you planning or indeed DID retire... and if pos.. how
Suzy this surprises me,from your blog you are an intelligent, funny,attractive woman. Who would not want to get to know you better, and you love sailng wow ! If I was single I would be asking to meet you now x
Suzy this surprises me,from your blog you are an intelligent, funny,attractive woman. Who would not want to get to know you better, and you love sailng wow ! If I was single I would be asking to meet you now x
