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Ruthanne Lackey

I have been unemployed since 12/08. The family owned store I worked for closed. The next year , 85-90% of people in my home county couldn't find work.Being over-work qualified, over 50, I'm not prime employment potential. This year after questionable falls, I am not walking well. Not seeking disability, am I too young to retire?


Yes I would. If I won the lottery today I will retire today.


I see people at work work past their retirement age. A few die not too long after they retire. I guess some people don't have good judgemnt on what is enough money.


am fifty and worth millions (on paper)
often think of stopping but what to do

am in a period of semi retirement seems to work
still no money to spend on i want items (boat ect ) but it seems pointless to stop completely

BALANCE seems to be the thing
time off when you want work when busy
so do i give up completely ?????


I too have the financial backing to retire for the last 10 years, but don't know how and when to pull the trigger from my Sales Management career which keeps challenging me and keeps on truckin'.

So, for now, I am milking the cow and let it go until it pushes me off the cart. In the meantime, I am building a retirement portfolio (dividend producing investments, CDs, Fixed Income vehicles) and my newest venture into buying rental property.

When the rental property income (positive cash flow) exceeds $100K per year, I plan to retire, and until then burn the candle at both ends and keep very active.

So, there you have it.....Have the money now (greater than $1M), but do not want to retire. Waiting for another smaller income to do a 'crossover', with wifie covering family for health insurance since she is in her late 40's and enjoying work.



I'm convinced that a satisfying retirement owes itself primarily to the state of mind of the retiree. There are so many opportunities to engage in life depending on the particular interests and passions of the retiree that it really does boggle the mind. Once I started browsing the internet for new ways to engage I was blown away by how many things there were to do in my local community and surrounding county.

Syd has recommended the book "The Joy of Not Working" by Ernie Zelinski elsewhere on this blog, and I highly recommend it as well. It's full of information on how to make this transition one of deep meaning, excitement and richness.

I'm having a lot of fun working with my spouse to build our new retirement life. Our plan is to keep changing up our lives so we are never bored. I can't remember the last time someone asked me to tell them about my job at a party (they just asked for my title), but now if someone asks what I do I can talk about any of a number of different passions that I'm pursuing and that make me feel on fire with excitement. Quite a change from the corporate drone I was prior to retirement!


What I primarily see here is really about the difference in people and their individual "drivers". Some desire and need to continue in their careers for that sense of purpose, others do not. I'm 52 and I've come to know myself pretty well. I've never been a career oriented individual though I've made a good living both in the military and as a civilian federal worker. If I had the resources I would retire TODAY and I can guarantee there will be no adjustment issues or regrets. My drivers, the things that make me feel whole, revolve around family, faith life, learning (though not necessarily in a structured environment)and exploring (both places and experiences) but nothing that my career provides me. My desk job provides income but nothing else. My income is key to my eventual "escape" from the job and the freedom to be all that I've desired to be for so many years, unfettered by the constraints of the "9 to 5".


I've been reading your blog with interest and envy. 54 years old and contemplating my retirement in 95 weeks, 1 day, 2 hours, 21 minutes ... but who's counting - LOL!

I work in Finance but I can't wait to explore photography, home renovations, maybe even learn to play the guitar. Volunteer work is also on the radar. The only thing holding me back is the thought that "if only we could accumulate just a bit more ...". You know how we finance-types are ... always trying to hedge the downside.

Keep up the great work.


I just turned 56. 7 yrs ago I changed careers from being a CFO to doing Financial Planning and Investment Management. I needed flexibility because my parents lived on the other coast and mom was dying. This allowed me to spend weeks/months with them. The beauty of technology is that I never had to disconnect from my company or clients. I really enjoy working with only people I like; you don't have that flexibility in corporate America. I make sure I don't over-commit my time so that I have a lot of flexibility to explore interests as if I am retired without being retired. I don't think I'll ever totally retire because I really love what I do and my clients and won't need to in order to do what I want to do in my "free time". That's the best of all worlds. My husband "retired" several years ago. In reality he is consulting for fees and stock so also only works with people he likes and companies he believes in. My father could have never imagined a life/career that looks like ours. Thankfully he is now retired, plays bridge 4 days/week, and does regional bridge tournaments on the weekends.

Angela Scutts

I am 52 and have just retired, week two and loving every minute of it. It just hit me the day of my father-in-law passing away. He was the last of our parents to die. It just hit me, retire now, before you miss out on this time of my life. I feel very happy, I know it is early days but I know I feel happy and will not regret it.

kind regards
Angela xxx

Retired Syd

Congratulations Angela!


My first reaction is to say, "In a heartbeat!" But the reality is that we probably do have enough money to retire right now and yet we're still planning on working for two more years if we can.

What it really boils down to is the tradeoff between lifestyle and years in retirement. In a couple years both my husband and I will be to that magical 55 year old point that we feel will give us just that extra little financial comfort. And we'll still have a nice long retirement ahead of us.

Right now I'm more worried about the time we may be missing with our families. Particularly our only surviving parent between the two of us, my 81 year old father. Good news is that he's in great health but we've learned never to take these things for granted.

I'm starting to realize that there's no perfect answer so I'm just trying to relax and enjoy the journey.

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