Seeking Retirement

Retired

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Old job offered for summer.... pros and cons

I retired in September '24 after burning out during the pandemic and caregiving a demented parent. That parent (the last one) died 2 years ago and then I spent a year dealing with the physical aspects...

reddit.com Apr 28 2026

67+10 months and started receiving my checks today!

I'm still working, born in 1959, and making more than I have in my top 35 years, so working still is going to be bonus additional money. Has anyone ever done this before? Everyone I know retired and s...

reddit.com Apr 24 2026

Anyone tell lie about returning to work?

I (62yr) retired and still trying to find myself and my daily routine. When I retired, my gut told me not to really tell everyone, just immediate family that I retired. Of course, I did let out the ne...

reddit.com Apr 23 2026

Health, Vision, Dental Insurance for people under 65

I am not yet retired but getting my ducks in order. I am a NYS teacher. If I retire at 62 I need to pay for my own insurance until Medicare at 65. The school’s health insurance for both my husband and...

reddit.com Apr 16 2026

Just one month in and still wobbly! Tips, advice?

Hi! I very suddenly retired (two weeks notice) from a job I adored (long story, management suddenly changed my job description and I didn’t care to stay). I’m about six weeks in and still in the nappi...

reddit.com Apr 16 2026

Do you care about your former career after retirement?

I retired almost a year ago and still often feel like I’m settling in. I’ve had several large and small projects that are keeping me busy, but I’m also learning to relax and not worry about deadlines ...

reddit.com Apr 15 2026

Who still has nightmares about their job

It's already been almost 2 years since I retired and I still sometimes wake up in a panic that I'm late for work, or I didn't finish some project or something. I retired as my kids were starting colle...

reddit.com Apr 09 2026

Anyone else with a heavy-SS-dependant retirement plan?

does anyone else's retirement plan depend quite heavily on s⁰cial security? if so, is that a major concern? I would love to hear from others who have retired or are retiring soon, who are heavily depe...

reddit.com Mar 12 2026

Readiness needs specify household vs individual accounts

So, hear me out. My husband and I could have retired sooner, but we were having a difficult time trusting that we were ready. We had a pretty good portfolio of investments and savings, but was it enou...

reddit.com Mar 07 2026

The 60/40 Portfolio vs. The Bucket Strategy

When I retired in 2018, I implemented the Bucket Strategy. What would have happened if I had used the 60/40 Portfolio instead? I decided to find out. For today’s post, […] The post The 60/40 Portfolio...

theretirementmanifesto.com Mar 05 2026

Can I Defer Retirement Payments

Can I (61F) defer taking payments from my retirement account when I retire at 65 and start withdrawing when I hit 70? Hubby (76M) has been retired since 65. He wants me to go out sooner but I just can...

reddit.com Mar 02 2026

Retirement Finances, first 20 months

I retired June 1, 2024. My wife is still working, her planned last day is June 30, this year. Here's a few things I've noticed.... I'm maintaining our 'retirement fund' portfolio at Vanguard in the 60...

reddit.com Feb 28 2026

The ultimate luxury - time for reading

Retired since Jan 2025 - after a 9-10 month decompression I’m finally enjoying the ultimate retirement luxury - TIME Time for reading especially. Since my job (lawyer) involved many hours of reading p...

reddit.com Feb 26 2026

Money and siblings and spouses

I am 66 and my sister is 76, her husband is 84. We are both married, retired, have homes. But. I have several degrees, had a really good job in tech as did my wife. We saved enough money and are grate...

reddit.com Feb 24 2026

Wife suddenly wants to retire and buy a sprinter van

I’m retired and wife now wants to retire and added she wants to buy a sprinter van and dive all over the USA. She thinks this may be more economical than flying, renting car and staying in motel. Ther...

reddit.com Jan 18 2026

Cash in HSA after Retirement: How to control

I have an HSA that , when I was, working, I could control the amount of cash (as opposed to investments) during direct deposit in it by choosing certain amount of max cash. Now that I am retired and n...

reddit.com Jan 17 2026

Introducing The FI Collective

I was listening to a recent podcast with Morgan Housel. I have a lot of respect for Morgan, so was disappointed to hear him say this: Everyone I know who retired early has gone back to work. My experi...

1500days.com Jan 15 2026

Living off more, less or the same?

When planning for retirement a major question is how much money will you need per year to live on. For all you who have been through that and are retired, are you finding that you are spending more in...

reddit.com Jan 14 2026

First time IRA withdraw this month

I have been retired 1 year. I made about 50k managing my fidelity IRA and overall made around 10%. My plan was to take 4% a year or 20k so that tracks. I keep 6 months of bills in savings currently an...

reddit.com Jan 08 2026

How to keep busy/find a hobby/meet people

Hi all, Not retired yet and I’ve got 6 years to go. However, I’m in a weird spot. I don’t have time to do activities during the day and my work is not predictable as to when it ends each day. Thus, I ...

reddit.com Jan 07 2026

A Decade Can Change Everything

We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten. Bill Gates Having been retired for over 10 years now and taken 9 y...

millennial-revolution.com Dec 02 2025

Happy Thanksgiving 2025!

Happy Thanksgiving, everyone! Wow, 2025 has been a tumultuous year. Life has been pretty crazy at the RB40 household as well. RB40Jr started high school, Mrs. RB40 retired, the Retire ... Read more Th...

retireby40.org Nov 24 2025

You Might Not Be As Good An Investor As You Think

During my free financial review of my rollover IRA, I was feeling pretty good about how far it had come. Back when I retired from finance in April 2012, I had about $300,000 in my 401(k). After leavin...

financialsamurai.com Nov 11 2025

SoCal / San Diego for Retirement?

My wife and I (both retired, not working jobs) are strongly considering San Diego CA as our final living destination. Austin TX is just getting too hot, and it will only get worse. 8 months of summer,...

reddit.com Nov 08 2025

REPLAY | 5 Things Nobody Tells You About Retirement

We've heard this hundreds of time... 'I wish someone had warned me about this when I retired.' More often than not, they're referring to one of five key challenges that catch many retirees by surprise...

bigpictureretirement.libsyn.com Oct 31 2025

When to apply for Social Security benefits

I’m 61 and “retired” 4 months ago. Arthritis is taking its toll and I wanted time before I’m not able to do more than hang out in front of a tv. My wife plans to work for 5 mor...

reddit.com Oct 28 2025

What Jobs Will be AI Proof?

A fellow FIRE blogger, MrNomadNumbers, came to visit us in Valencia recently and showed me some AI capabilities that blew my mind. Before he retired, he was a software developer, like us, so he knows ...

millennial-revolution.com Oct 27 2025

Moving into the next stage of re-wire-ment.

I retired 18 months ago and feel like I’m starting to get into my groove. I’m getting into new patterns of activity, new volunteer work, and creating new social networks. I’m keeping...

reddit.com Oct 27 2025

Reading Recommendations Just for Fun

Hello fellow retirees. I've been retired since June 2024 and have gotten into reading again after 30 yrs of a career that consumed all of my time and brain capacity. I'm now on a first name basis with...

reddit.com Oct 25 2025

Accomplishments or milestones before retirement

As a condition of retirement, did you have any professional milestones or accomplishments that prompted you to retire, or that you wanted to do before you retired? I’m not talking about obvious ...

reddit.com Oct 21 2025

The 4 Biggest Regrets of Today’s Retirees

Imagine if you had the opportunity to sit down with the people who have retired successfully before you and learn from their hard-fought lessons. What were their biggest mistakes? And…...

bossretirement.com Oct 19 2025

Retirement Travel - which trips to do first

I read a thread a while back about which trips could be potentially physically challenging, and therefore should not be put off after retirement. I just retired this past June. We are now finishing ou...

reddit.com Oct 17 2025

How did you adjust to retirement as a couple?

Bit of a strange one — my wife and I both retired recently, and I didn’t expect this part to be the hard bit. We get on fine, but suddenly we’re in the same space all day, every day,...

reddit.com Oct 15 2025