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Posted: 8/20/2017 5:35:13 PM EST
Just curious how things worked out and any regrets retiring that early? Are you on a spouses insurance? Do you work part-time? Any concerns about not funding social security until full retirement age? Have you been disciplined and your health improved or have you been eating and drinking too much? Thanks.
Link Posted: 8/20/2017 5:48:20 PM EST
Retired at 51 (LEO). Took a year off, then worked 4 years for PMC (firearms training). Health insurance may be an issue until medicare.

No regrets. Life is good! It was time to leave police work. Left on an up note.
Link Posted: 8/20/2017 5:49:22 PM EST
Planning on it if I stay employed until then, but just a GF with no kids. If I had a family it would not be possible.
Link Posted: 8/20/2017 5:50:59 PM EST
[Last Edit: 8/20/2017 6:26:19 PM EST by FREEFALLE7]
Retired at 46(military) and no regrets.

I planned well enough so I make as much at retirement as I did when I worked. The lifetime medical benefits make a huge difference as well.

I stay busy as we have 40acres and there is always something to do.


We ever did the vertical high walk today.



Link Posted: 8/20/2017 5:51:41 PM EST
I retired at 39 (military). I started being a contractor a few months later and I love it.

I'm currently laid off, but it's no big deal. Retirement is paying the bills.

No regrets. I love it.
Link Posted: 8/20/2017 5:54:23 PM EST
First retired at 43, LEO.

Hung out with the kids for a year, then went to teaching in a public school, became an admin, just retired again.

Health insurance through my former agency.
Link Posted: 8/20/2017 5:55:44 PM EST
I pulled the handle at 53. Honestly, It took a few years to get used to it . I felt like I should still be a productive member of society. I was/still am a master electrician, and suddenly stopping was a shock.

I have a fish camp place in Florida where I am always on the lookout for Florida man. Then I fish and drink too much sometimes. Spend summer and fall in Colorado in my place there.

Social security? You fuckers in GD get your asses back to work and pump it up, just in case I live long enough to get it. I don't really have that factored in, but it would be a nice bonus.

Health care was a gift from the wife, when she took a buyout from AT&T part of the package was all health bennies. If I had to pay out of pocket it would hurt but not kill me.

You gotta be careful about drinking too much, I try not to drink before 1630, and then keep it managed. Easy to get out in the kayak and pound way too many cold ones.

Keep exercising, eat well and chill. Life can be short, or long.
I would recommend quitting work asap to anyone able.

Fuck the norms. Now I raise golden retrievers, camp ,hunt ,shoot and fish all I can stand.

Attachment Attached File
Link Posted: 8/20/2017 6:07:02 PM EST
Retired at 50 state leo pension + insurance. Taking a year off to fix medical issues. I'll go back to work next year for something to do and travelling money. No regrets.
Link Posted: 8/20/2017 6:09:11 PM EST
I could retire at 46 but I decided long ago that I will never retire. Retirement is a new concept in our history.
Link Posted: 8/20/2017 6:09:36 PM EST
I am 35 now, and if my numbers work out I should have $3M by the time I am 55yrs.
Link Posted: 8/20/2017 6:09:54 PM EST
48. I'm not rich by any means but I enjoy every day of it.
Link Posted: 8/20/2017 6:12:17 PM EST
[Last Edit: 8/20/2017 6:13:34 PM EST by fervid_dryfire]
Retirement at 55 seems like a good way to bore and/or impoverish one's self to death.

I intend to work/be active for as long as I am able, even if savings and "health care" are not a problem.

Unless your body or mind underwent abnormal wear as part of your employment I don't see any good, wise, non-hedonistic reasoning to retire early.
Link Posted: 8/20/2017 6:13:24 PM EST
Bitcoin boy, a couple of years ago.  He may still be here under a different name.
Link Posted: 8/20/2017 6:13:49 PM EST
Eligible to go at 55, and will.
Link Posted: 8/20/2017 6:14:01 PM EST
I am 52 and can retire at 53, but due to an injury to get the best pension I need to work until January 2019.

But at that point if I work through summer of 2019 lots of overtime usually, then get surgery and fix all of my broken shit while using my sick leave and getting a disability payment of a bit over $1,000/week I am better off financially.

Then actually retire in mid year 2020 when out of sick leave.

I get $900/month towards medical until Medicare kicks in, but Mrs. Kubota has insurance through work so I should be covered there.

So sadly as my plans for Jan. 2019 retirement have been postponed a bit, I should retire just before my 55th birthday.
Link Posted: 8/20/2017 6:15:05 PM EST
I am a few weeks from dropping my retirement packet.

I turned 47 a couple days ago
Link Posted: 8/20/2017 6:15:06 PM EST
I retired at 38 to start a new job. I can't imagine ever being completely retired.
Link Posted: 8/20/2017 6:17:37 PM EST
im done in 2019..I'll be 53, I'll work a few more years..but as far as FRS is concerned ..retired
Link Posted: 8/20/2017 6:18:46 PM EST
Retired at 55 two years ago. Same net income but commute and work expenses way low so pocketing more. Low cost medical, dental and vision insurance plans through retirement system. Will get a significant bump in monthly cash flow when daughter gets done with college next year. Much much much lower stress levels now and overall quality of life is tons better.

Life is good
Link Posted: 8/20/2017 6:19:03 PM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By FREEFALLE7:
Retired at 46(military) and no regrets.

I planned well enough so I make as much at retirement as I did when I worked. The lifetime medical benifits make a huge difference as well.

I stay busy as we have 40acres and the is always something to do.


We ever did the vertical high walk today.

https://www.AR15.Com/media/mediaFiles/20856/IMG_1603_JPG-285646.jpg

https://www.AR15.Com/media/mediaFiles/20856/IMG_1608_JPG-285648.jpg
View Quote
Congrats, free...stay healthy..and enjoy!!
Link Posted: 8/20/2017 6:20:43 PM EST
Retirement is fun.
Link Posted: 8/20/2017 6:23:38 PM EST
I wish I would be able to. I 100% guarantee that if I could retire today I would do so and have zero regrets, assuming I had enough money of course. The way I see it is that this a big world with plenty to do. If you can't finds things to do to keep yourself entertained then you lack imagination. Again as long as you have money.
Link Posted: 8/20/2017 6:26:10 PM EST
I retired at 40 a couple years ago after owning my own business since I was 13. Got bored sitting around the house waiting on my wife who is still trying to save the world in the medical field. So I do consulting work a couple days a week to kill time. She says she's done end of 2018, so then we will travel the country
Link Posted: 8/20/2017 6:30:41 PM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By ftlaudmike:
Congrats, free...stay healthy..and enjoy!!
View Quote View All Quotes
View All Quotes
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By ftlaudmike:
Originally Posted By FREEFALLE7:
Retired at 46(military) and no regrets.

I planned well enough so I make as much at retirement as I did when I worked. The lifetime medical benifits make a huge difference as well.

I stay busy as we have 40acres and the is always something to do.


We ever did the vertical high walk today.

https://www.AR15.Com/media/mediaFiles/20856/IMG_1603_JPG-285646.jpg

https://www.AR15.Com/media/mediaFiles/20856/IMG_1608_JPG-285648.jpg
Congrats, free...stay healthy..and enjoy!!
Thanks
Link Posted: 8/20/2017 6:35:28 PM EST
Bailed out 3 years ago at 55.5 from a mid sized telco.

My cute little pension is $532 per month with about $110 going to med/dental ins. The remaining $400 take home is what my wife calls gas money. 

Honestly, it took me two years to fully realize I was actually retired. I was that damn busy doing the things that I did not have time for before.

My wife got out of prison (retired as exec secretary) a year ago at 56, she has med/dental insurance on both of us. Her pension is around $2200/mo.  

We saved via 401k, IRA, stock investing.  We live on those two pensions and add a little to the monthly spending from savings.  

Our plan is to draw SS at 62.

We are really enjoying life.
Link Posted: 8/20/2017 6:36:38 PM EST
I retired at 48 from State Corrections. Pension and Health for the rest of my life at a low cost for health and Dental.

I'm 52 now and work part time Armed Security 2-4 days a week. Don't drink and eating the same or less. I have a three year old that takes up a lot of time.
Link Posted: 8/20/2017 6:37:22 PM EST
[Last Edit: 8/20/2017 6:38:44 PM EST by Lorax]
I sought a middle ground. Wife retired early this past week and I average 20 hours a week. I'm 51.

I work 3 weeks a year for five months and the rest of the year, I work one week a month. It's like being semi-retired.


It's pretty sweet. I'll do this for a few more years and sell my business.
Link Posted: 8/20/2017 6:49:37 PM EST
[Last Edit: 8/20/2017 6:53:02 PM EST by ftlaudmike]
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By fervid_dryfire:
Retirement at 55 seems like a good way to bore and/or impoverish one's self to death.

I intend to work/be active for as long as I am able, even if savings and "health care" are not a problem.

Unless your body or mind underwent abnormal wear as part of your employment I don't see any good, wise, non-hedonistic reasoning to retire early.
View Quote
sorry this post , actually much worse is due in 2019
Link Posted: 8/20/2017 6:51:26 PM EST
I wanted to retire at 55. Doubt that will happen.

Then I estimated 60. A couple of bad stock market years pushed that estimate to 62.

Just today I was talking about moving that to 66. Still technically early retirement.

Basically, I have no clue when I'll be able to retire. Just too many variables.
Link Posted: 8/20/2017 6:57:37 PM EST
Retired at 53 on savings and real estate profits, then moved to a lower cost area. Buying insurance out of pocket sucks, but my old company has me on a part-time retainer that gives me an extra couple of thousand a month for now. Not a lot of money, but it eases my mind about buying the occasional toy. I should have lots of time for wood working and ham radio, but I'm somehow busier than I ever remember being. 
Link Posted: 8/20/2017 6:59:32 PM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By fervid_dryfire:
Retirement at 55 seems like a good way to bore and/or impoverish one's self to death.

I intend to work/be active for as long as I am able, even if savings and "health care" are not a problem.

Unless your body or mind underwent abnormal wear as part of your employment I don't see any good, wise, non-hedonistic reasoning to retire early.
View Quote
Get back to work and pump up that Social security.
You can be yanked from the living at any time, live a little now.

I'm loving the easy life. Only reason to get up early now is the fish are biting or the elk are bugling.

My third home.
Attachment Attached File
Link Posted: 8/20/2017 7:02:07 PM EST
I retired at 57. I really didn't miss the job or the money.
Link Posted: 8/20/2017 7:18:04 PM EST
I retired from the military reserves 3 years ago at the age of 40. I won't draw a pension from them until I am roughly 56ish. I am currently at 80% disabled through the VA, that extra money is nice since it pays most of our monthly bills, including the house payment. When I called it quits with the military, I was already working in Civil Service. With the extra responsibilities outside of drill weekend I had as an E-7 with my old unit, it felt like I retired from a full time job. Since I can only work 80hrs over two weeks per pay period, it feels more like a part time job now. I usually had three to four days off per week. The earliest I can retire from Civil Service is when I am 53. My projected income from that will be around $2,500 based in today's dollars. I plan on bouncing the day I am eligible to retire from Civil Service.

My wife semi retired when our son was born back in 2006. Now she has her own business doing what she wants, when she wants. She has found a niche in our area with spirit wear, custom clothing, embroidery, etc. Those football/soccer/volleyball moms will shell out mad money for their team spirit wear as long as it's customized. I see some of the orders that come in and I just shake my head at a $50 pair of socks and a $100 jersey. She's making alot more money at her gig than I do with my "full time" job. Some of the machines she has purchased outright for her work costs as much as a new car.

Things are great right now and I could totally retire right now if I wanted to but there's no need and I mostly enjoy what I do. But it is a good feeling that if I was suddenly out of work, it wouldn't bother me in the least.
Link Posted: 8/20/2017 7:37:32 PM EST
Originally Posted By EvenKeel:
Just curious how things worked out and any regrets retiring that early? Are you on a spouses insurance? Do you work part-time? Any concerns about not funding social security until full retirement age? Have you been disciplined and your health improved or have you been eating and drinking too much? Thanks.
View Quote


Retired at 50, no regrets, best thing I ever did.
Took me about 2 years to slow down, decompress from owning business dealing with A-holes.
we have no health ins, use liberty.
selling biz allowed us to afford retiring.
I am not even counting on SS in financial decisions.
Health is generally better, mostly cause of less stress.
Don't drink much at all, eating sweets is only bad issue.
Link Posted: 8/20/2017 7:59:32 PM EST
Retired at 54,moved to Montana the very next day.
(But health problems forced us to a warmer climate 12 years later)
Link Posted: 8/20/2017 7:59:53 PM EST
Retired at 52. It is wonderful.
Link Posted: 8/20/2017 8:24:53 PM EST
[Last Edit: 8/20/2017 8:33:13 PM EST by Londo]
Will swim against the current on this...

Am seventy and still working. Fifty three years in a job I truly love (broadcasting..evil mainstream media).

My wife is also a senior citizen. She still works at a job she loves...Broadcasting.

We can't figure out why we would quit what we love doing while enjoying enviable incomes. She just bought a new car last Friday second in three years. Just tonight, we were talking about which of our homes we wanted to live in.
Link Posted: 8/20/2017 8:31:41 PM EST
Originally Posted By EvenKeel:
Just curious how things worked out and any regrets retiring that early? Are you on a spouses insurance? Do you work part-time? Any concerns about not funding social security until full retirement age? Have you been disciplined and your health improved or have you been eating and drinking too much? Thanks.
View Quote


53. Worked part time for three years. No regrets. So far good health. Stay busier now than ever. Good timing because my parents and in laws needed lots of attention.
Link Posted: 8/20/2017 8:39:28 PM EST
[Last Edit: 8/20/2017 8:39:52 PM EST by Admiral_Crunch]
If I'm still employed where I am, I'll have been there 35 years and be able to retire at 55 with a full pension.  Fingers crossed.  15 years to go.
Link Posted: 8/20/2017 8:39:30 PM EST
I could retire today if I wanted to.
Big decision and I keep putting it off.

I'm at the top of my pay scale, top seniority, maxed out on sick time and get first crack at holidays and choice vacation time. Having typed that, I've been on vacation the last 3 weeks and it gets harder and harder to go back to work.

I'll stay for now.
Link Posted: 8/20/2017 8:54:13 PM EST
Sounds like most have no regrets retiring early!
Link Posted: 8/20/2017 9:02:47 PM EST
[Last Edit: 8/20/2017 9:06:38 PM EST by Notcalifornialegal]
I work as an advisor and have had several clients retire early.

Pretty much all the ones who stay retired do some kind of work. Substituting, ranching, traveling, or writing but they all have pensions.

The ones who go back are the ones who can't keep themselves busy.

Health insurance is expensive so you have to plan for that until Medicare hits. You also don't have to wait for 59.5 to take your IRA money out you just have to go about it a certain way and it's fairly complex.


Cliffnotes: keep yourself busy and paid and you'll do alright.
Link Posted: 8/20/2017 9:04:11 PM EST
Link Posted: 8/20/2017 9:07:41 PM EST
I retired at 55. I've been working at some job since I was 14 or so. I may get bored, but I haven't yet.

I have my own insurance. My retirement is equal to my take home pay while working. I don't get any overtime or holiday pay, so there was a pay cut. My wife is still working. My time here in this world is limited. I'm gonna try to enjoy the remainder of it...
Link Posted: 8/20/2017 9:09:09 PM EST
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By mustb123:
Retired at 50 - several years ago. Wife came down with cancer (very expensive disease) so I now work 2-3 days a week around guns/shooting and have a couple of small LLC's to make money. I get to work when/how I want. My phone rings all the time for work - just got a call this afternoon....told them I'd have a bit of time this Friday.

Being in my situation, I make more money than I did working for the man and yet I get to be with my wife when I'm needed. I can also spend time with the grandchildren. Just had dinner at my daughters tonight - my Dad stopped by to see his new great grandson. These are the things retirement buys you. No more weekends, midnights, doubles, holidays or having to listen to jackwagon supervisors.

I have always been healthy - so no change there.
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Pray your wife beats the cancer and the both of you enjoy retirement together!!!!!!!!!!!
Link Posted: 8/20/2017 9:09:59 PM EST
Retired in my 30s, and from my own entrepreneurial efforts, not from sucking on the gov/mil teet for 20 years.

Retirement is actually boring. Don't do it.
Link Posted: 8/20/2017 9:15:22 PM EST
[Last Edit: 8/20/2017 9:19:59 PM EST by Whiskey1Alpha]
Retired at 35. I'm into it almost 4 years now.

Had equity in a DoD startup that had a very niche specialization and long story short, had SAIC make an offer to buy the firm. I was one of the ones who would be replaced and no longer be at the firm once purchased, so I actually had my equity share bought as well as a second buyout that was brokered with the other equity share partners that we referred to as a retirement parachute for me.

On top of that, I married a triple board certified medical specialist around the same time so as far as monthly cash flow, I have that covered. I'm on her insurance, zero regrets about no longer being required to work. I don't miss it at all and never saw myself as one of those people that would work until I was 65 so this all kind of worked out for me.

Social security? LOL Anytime I think that my lack of paying into social security is basically not funding someones SS payouts I have to smile.

I work out 6 days a week, run errands and reload/go shooting 4+ times a week. I could see how if you sat around and stared at the ceiling all day, working may be better for you, but I don't miss it in either the financial sense nor on a personal level. I occasionally get random recruiters that email me about positions as apparently my old resume is online somewhere still, as well as consulting gigs, but I basically talk to them and say I'd be willing to help but the compensation and term of the work need to be within certain parameters for me to even consider it. I have yet to get an offer after that, and I've been 110% fine with it. I am at that point in life where everything is paid for and I am in a strong 'fuck you' position.
Link Posted: 8/20/2017 9:16:58 PM EST
Retired from Fed LE three days after I turned 50. Six months later, went to work PT, federal contractor. Eight years later, I'm still doing it, work from home, set my own work days/hours. But, we ave no mortgage, as we paid cash to build our home.

do it, if you can afford to, keep active, stay healthy.
Link Posted: 8/20/2017 9:19:29 PM EST
[Last Edit: 8/20/2017 9:22:02 PM EST by AZ_Sky]
I retired at age 56 five years ago - and I'm LOVING retired life!!!
I haven't even worked a part time job since I've retired, and I don't want to - I have too many other fun things to do!
I highly recommend it if you can afford it!!!
Link Posted: 8/20/2017 9:20:01 PM EST
Some lucky guys in here.  I look forward to reloading and shooting off my back porch every day. Got to put the money back and buy the land to make it happen.  If I get lucky that will be around 55. If unlucky it will be 65.
Link Posted: 8/20/2017 9:21:06 PM EST
Originally Posted By EvenKeel:
Just curious how things worked out and any regrets retiring that early? Are you on a spouses insurance? Do you work part-time? Any concerns about not funding social security until full retirement age? Have you been disciplined and your health improved or have you been eating and drinking too much? Thanks.
View Quote
52 and I came nowhere near maxing out. Went to gonne smything school, wrote my second book and have a commission for #3. No SSI but I do have health. Any p/t work i do is fun and right now I am in NEB to see the eclipse. No pay but motel and lunch is covered.

Re health doctor says I am fine and I watch what I eat.
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