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At the beginning of each calendar year, we encourage our retired (or near-retired) readers to perform an actuarial valuation of their household assets and spending liabilities to see whether changes s...
I lived in Costa Rica for 20 years (thinking I would live there forever) but returned to the US when my health declined and it was impossible for me to continue to live alone. I began receiving Social...
Read real-world examples of people who “retired” early by applying creative strategies....
There are a few things you need to know before you retire. If you’re not retired, it’s impossible to know what it’s REALLY like to be retired. Without knowing, it’s difficult t...
After 31 years with my current employer, 39 total working years, I am retired as of today. Whew--I work in IT, and this year was particularly stressful, with many high-pressure, large-scale projects t...
In 2014, my wife had just retired from her stressful Pathologist role when I uprooted her to fulfill my dream ... Read more...
Laura Stover, RFC is solo today for a special episode as we cover this week’s featured article from Kiplinger “Consistency Is the Key to Investing When You're Retired.” We need to fo...
Retired parents who have a child with a disability say the income they and their children receive from Social Security is critical to their survival. Yet, for some, it still falls short of what they n...
My wife and I are both retired at 67. I'm deferring Social Security until 70 to maximize the monthly benefit; my wife is collecting hers because it makes sense to. Our lifetime, based on family, will ...
My husband (61) is 100% retired. I'm (62) mostly there but did work part time for half the year so have earned income. Is there any reason we absoluteely should (or should not) contribute to our Roth ...
I retired at age 57 last year. Nowadays I have fiduciary financial advisors to help me navigate all the complexities of being a person that has to file quarterly taxes and figure out how to best move ...
Hiya! I retired 5 years ago at 57 (single) with 1.2 million net worth. Financial advisor told me 99% chance plan would work until I was 99. Told him my spending would be around 5k net a month. I will ...
I was laid off at 58, 59 now. I have accepted being retired. I’m thinking of getting a HELOC. Will I run into problems getting approved because I am retired? I just want it for home emergencies ...
Hello, I am glad to have found this thread. After working for 30 plus years in the finance industry, I'm finding retirement to be an interesting adjustment. I've always operated on a very regimented s...
The Actuarial Approach recommended in this website involves periodically (generally annually) comparing the present value of a retired household’s assets with the present value of its anticipate...
I’m just getting started with retirement at 67, but it’s pretty low key. Working a part time job for fun, something not very taxing and that gets me out of the house. Other than that, it&r...
Not retired yet, 2 years away. My hubby (73) is retired, I’m 63. We have a 5 acre rural “homestead” with extensive flower & veggie gardens, chickens, ducks etc. it requires a lot...
I know there are some people who will say if you’re working at all, you’re not retired. There are others (like me) who work a little because it’s mentally and physically healthier to...
I was recently a guest on the podcast Awe-Inspired and Retired.We talked about all things retirement, from where we're going to live, to what we're going to do, to who we're going to do it with . . . ...
So, I've been retired for 10 years now and had forgotten how horrible it is to get up, shower, shave and be out the door at 7am. Once again I have convinced myself that even contemplating part-time wo...
About me: Retired since 2017, 67 years old, single, child-free, no family nearby. I presently live in an affluent Coastal California mid-size city. My townhome is fully paid. I live a peaceful life, e...
I want to acknowlege that this may sound self-indulgent and annoy anyone who is struggling right now. I am not and I am thankful, even though maybe going through a rough patch today. The gift of time ...
I’m 59. My husband is 65 and semi-retired. Pro’s: 1. I’m soooo tired, 2. I need more time to exercise and stay healthy, 3. We definitely have enough to live on, 4. I’d like to ...
I am highly motivated in retirement (I have been retired for less than a year) and am never bored. I study and exercise every day. I enjoy these activities, but also I want to prove to myself that all...
I am single and approaching retirement. Most of the post I see seem to be from couples. I would love to hear some experiences from single and retired people? submitted by /u/NovaLouAdded[visit reddit]...
The holiday season is here. This post was contributed to Leisure Freak by Jim McKinley, a retired banker and the creator of Money With Jim. Having fun while staying on seasonal financial track is a wi...
I’m not retired yet but probably within the next year. I just bought a small 110 cc cycle for cruising around town and i love the thing. I’m in my sixties and it’s my first cycle eve...
Following numerous posts here and on AskReddit. Curious about your ideas/thoughts of retirement, and if your retired, is it all it's cracked up to be? Or more, or less? I've posted numerous times, tha...
I am a married, retired man. Our gym has exercise classes. Yoga. Zumba. Aerobics, stretching, etc. At my senior center the vast majority of attendees are women. Most of them seem reluctant to talk to ...
I posted this in r/healthcare and didn't get any responses. Maybe someone here can answer? I am retired to there is that :-) I appreciate anyone who answers. I think I understand how this works, but w...
I’ve been retired for almost two years and I’m pretty content with my mix of activities during the day. Some active, some relaxed. Some purposeful, some for fun. Some social, some alone. S...
While the 2024 COLA is far lower than last year’s 8.7% increase, it’s still higher than average thanks to stubborn inflation....
The snowbird lifestyle is an appealing choice for many retirees who seek to escape the harsh winter months. For those newly retired, this lifestyle offers the freedom to migrate between two homes, one...
Me (59) and my husband (69) both retired in 2021, and over the last 2 years we basically just traveled around the world to the places that we simply didn't have time to go to when we were still workin...
Over twelve years of blogging, several books, a national magazine profile, and countless friends, both virtual and real, Satisfying Retirement has been a central part of my retired life. In fact, I ha...
I had a lot on my plate, and had planned to retire in January. My work changed dramatically over the past 9 months, and it really just felt like too much. I was also feeling sick and exhausted all the...
Please only vote IF retired and USA loans. Thanks! Just this month payments have resumed on student loans. Despite what many people believe, yes some Retirees have student loans. It is yet another tug...
Ten years ago we bought a house that I hate and now I'm paying the price. Been retired 2 years. This house, and the area offer no/little privacy or easy access to nature. Both of those things are bigg...
My wife and I are in our 50's and will probably stop working in 5-10 years. We don't have kids and live in a small metro area in the northeast. A little over a decade ago, we built our "forever home" ...
Sept. 5, 2023 — By now many Topretirements.com Members and visitors are well into their retirement planning, if not already retired. The next generation is coming along now, Gen Xers, folks born...
It’s August in Georgia. Yes, it’s Hot. That means it’s time for our annual trip to someplace cooler.  We’ve done it every year since I retired (except 2022, when COVID [&#...
August 7, 2023 – Part of the fun of being retired is having the time to tinker, fool around with cool stuff, enjoy new types of leisure, and save time and trouble doing chores. There are plenty ...
If you’re a retiree or close to retiring, you probably have a paid-off principal residence, or should be close to having one. However, many retirees—including me—have grown children ...
Before I retired I promised myself, "When I retire I'm moving to Costa Rica". I was serious and my wife was all for it as well. When I finally retired it was a different story. My wife didn't want to ...
I'm not yet retired but my job is now remote and I would like to move to a lower cost of living city. My preference is for snow and nice views. Where have you all retired to that fits this description...
Am 52, recently retired and like everybody here (well mostly everybody) am adjusting to my new life and despite some challenges am overall enjoying experience. One of my main goals I have set myself i...
Retirement is on the radar now, so I have a question - what would you have done different the year before you retired with what you know now that you have. submitted by /u/StMaartenforme[visit reddit]...
Working through retirement may seem like an absurdly oxymoronic approach to one's golden years, yet it's becoming the norm. Over two-thirds (69%) of unretired investors report they may work or continu...
Hello everyone. My father is set to retire at age 75. The issue is he has a TIAA retirement account which is like a 401k but not quit. It's a retirement account from a university. It seems to be somet...
When you retired was there something you splurged on? I know a lot of us try to pay everything off and cut expenses during retirement. On the other hand I feel like we work hard all of our life to enj...