Lifestyle & retirement

I was fucked the minute i was forced to medically retire in 2003 , no money to pay into my pension plans , reliant on benefits , my message is retire young and live your life whilst you are healthy , if you love your job continue with it obvs but make time for yourself . What has happened to me can happen to anyone , enjoy life, do today what you want as tomorrow you might not be able to . Stop moaning about all things city and just go to the games and enjoy , wish i could , 2020 was tbe last one i got to , i am so ill now i cannot go to anymore and it fucking makes me sad as fuck

Sorry for the depressing post , needed to say it today
 
For what it’s worth, my situation was that at aged 62 I had a well paid. Job for a company that was putting 3 times my contribution in to my pension pot. I was desperate to get out as I hated the job but wasn’t sure I could afford it. After speaking to a finance advisor it was clear that by amalgamation of my smaller pots and drawing down on them, leaving my defined benefit pension until I am 65 it was easily doable. My big take from this is get professional advice, as you might be able to do things you thought you couldn’t.
 
I was fucked the minute i was forced to medically retire in 2003 , no money to pay into my pension plans , reliant on benefits , my message is retire young and live your life whilst you are healthy , if you love your job continue with it obvs but make time for yourself . What has happened to me can happen to anyone , enjoy life, do today what you want as tomorrow you might not be able to . Stop moaning about all things city and just go to the games and enjoy , wish i could , 2020 was tbe last one i got to , i am so ill now i cannot go to anymore and it fucking makes me sad as fuck

Sorry for the depressing post , needed to say it today
Hope today is better Kaz
 
I am 58 no debts, kids grownup, mortgage free, no car.
I could retire tomorrow but I love my job.
My plan is to retire at 62 but wonder how I will spend my days especially in Winter.
I don't want to watch TV all day or become a gamer.
What do people do when they retire?
 
I am 58 no debts, kids grownup, mortgage free, no car.
I could retire tomorrow but I love my job.
My plan is to retire at 62 but wonder how I will spend my days especially in Winter.
I don't want to watch TV all day or become a gamer.
What do people do when they retire?

it depends on your personal situation (kids, grandkids,etc) but with me it is just me and the wife, and I still don’t know how I found time to work. I have an elderly Father, so I spend a lot of quality time with him, helping him around the house and doing his garden. My wife is 6 years younger, so dropped her hours in the NHS. She works Monday, Tuesday, Weds so these are my job days, garden, diy etc and helping dad.
Thursday onwards is our time, and we go walking, Gymn, swimming or drive out for days out or overnighters. We are also in the fortunate position to be able to afford oversea holidays.
in the winter it is slightly different as the weather restricts me, so I did spend more time at home, but for me it was much better than the stressful job I had previously.
 
I am 58 no debts, kids grownup, mortgage free, no car.
I could retire tomorrow but I love my job.
My plan is to retire at 62 but wonder how I will spend my days especially in Winter.
I don't want to watch TV all day or become a gamer.
What do people do when they retire?
You will be surprised at the number of things you find to do.
I never get bored.
 
I retired in my mid 70s and don't regret working so long. I now do things that most retirees dream about doing. I go sailing in summer, skiing in winter, stay in bed till I want, days are free of deadlines and I can do as I please. But none of this compensates for having banter and conversations with customers who I have known for decades. Also, most of my working life I was surrounded by young people who because of their youthful ways do really keep you on your toes and their zest for life, which I had years ago, is wonderful to be part of. You hear many stories of how bad the youth of today is, don't believe it, the bad one's are probably 1% of them. Most kids are well mannered, honest and want to conform, that is my view on them. So my view on retiring is don't become isolated, seek out the things that make you, you alone, happy and you will enjoy your retirement maybe as much as your working life. After all it is your choice what you do.
 

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