Wow- I can’t believe you have had a negative experience when responding you are retired! When people tell me they’re retired, I am always so excited for them!!!!! I am like- wow, congratulations!!!!!🎊🍾🎉
Thank you for sharing your experiences. It resonates with me a lot. I retired at 45, just turned 50 this month and feel so blessed. Don't have many people around me with the same experience as all of my peers are still working and don't get it that I've retired so early. Absolutely love my life though. I'm very fortunate.
Thank you for this video. Planning on retiring next year at 55. Really interesting to hear about the "bad habits". Its very easy to think all will be ok when retired, but you've made me realise that I need to be aware of these bad habits and watch out for the overthinking that i tend to do....❤
Planned for retirement for 20 years. I have been retired for over a year now and am 56. I get to spend everyday experiencing every moment I can with my beautiful 14 year old and her passion for being a competitive equestrian. Everyday is a new adventure and I wouldn’t go back to work for anything,
You are a breath of fresh air !!!! I’m 59 and retired for 10 years now. Unfortunately I had to experience a nervous breakdown to initiate my departure from the workplace. Today… I’m right there with you on how I feel about retirement. You are a wonderful person and thank you for making this video
I was looking for someone to talk about retirement in some way not focused on finances or wardrobe or makeup or cooking but rather on what a life transition it is. I also am curious about what people do, creatively, with the gift of time. I am sorry that strangers were not as supportive as one would expect. I retired at the regular time, 65, and did not experience that. White hair seems to entitle one to retirement. GOOD: sleeping late, reading books, taking long walks, not planning days, planning days in new ways, enjoying grandchildren, staying longer on visits with relatives...Bad: totally agree on the "bad habits expand to fill more time" thing, also it is a hard transition socially and that is a bit difficult particularly because I moved cities, it is also hard to feel that I have as meaningful a role to play in the world. Ugly: Well, not ugly but challenging anyway is that staying healthy seems to take a lot of time and you keep on aging so this is an ever more demanding issue. Beautiful: It is like being a teenager with wisdom. You have time to try all kinds of things,-explore places and ideas and hobbies, routines.
I’m 64+ years YOUNG!!! I am retiring next week!!! Only 2 more working days left!!! No debt, with a NEWLY BUILT House, NEW SUV, etc!!! My husband will work for another year. I can’t wait to enjoy my FREEDOM!! Thank you for sharing!!😃😁😊
Well done, I was planning to retire April 24. But was made redundant November 23. All it did was move things ahead a few months. Now nearly a year in I have no concerns about ex companies I worked for as I was just an employee, I have my labour so I could live. As soon as I realised my plans were solid and the finances etc would work I was literally counting the days away as I took no pleasure in my job. Enjoy your retirement
I'm just now finishing my 7th yr of early retirement. Retired at age 56. Waited to get laid off, which I knew was coming, after a dissatisfying job that I hung on to for 2.5 yrs, one of several in a decade+ of jobs where my role was nebulous, undefined, and I had to make it look like I had work to do. I wanted out once & for all. Did the math, knew I'd be OK, I had saved and invested enough to cover my expenses. I wasn't going towards something as much as I was escaping from something ... toxic environments. From that standpoint, it's been great, simply "being," not having to look busy or answer to anyone or try to justify my existence at work.
I retired at age 46, so I am in my early 50s. Many of them resisted me because they couldn't understand the idea of not working if it wasn't necessary. I considered the phases of my life. I worked very hard to achieve what I have now, but in my last years, I owe it to myself to "stop and smell the roses." In my instance, I departed the nation after retiring and currently reside in Latin America. It made it possible for me to appreciate my new surroundings while escaping all the bad things that were going on in America. Nobody that I know of regrets retiring has yet to come to me.
Nice way to retire. For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement fund has grown way more than it would have with just the 401(k). Haha.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than a million dollars by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
I definitely share your sentiment about these firms. Finding financial advisors like Kathie Daisy Bosco who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
I am retiring early at the end of the year. Unfortunately, I have already experienced the ugly pre-retirement. I’ve been passionate about saving and early retirement, but have found others don’t really want to share my same enthusiasm. It has been a big downer as the months have gotten nearer to the big day that I no longer talk to others about it or be open to any questions about my future plans. Thank you for this video.
Maybe the reason for that is jealousy as they are not making the same plans. In the UK especially we have a large part of the working population sleep walking to retirement. They think the company pension plus state pension will see them OK. There are no checks on how their money is invested just leaving it to the pension provider who typically invests in lifestyle type funds so the last ten years money goes from growth funds to lower performing more stable investments but the loss in growth is massive. As soon as I knew my personal pension funds had reached a set amount I knew I could retire using those funds and with other pensions that would start over the next 20 months I was secure and that it with a mortgage still running for another ten years but will be paid off early.
As a SATH, I retired when my second child was born 27 years ago. I still get anxious when asked what I do. I love your response of “I’m not currently working”! I will add (outside the home) because I will always be working for my family; husband, children & grandchildren 😊 So glad I stumbled upon your channel.
I just turned 50, still working but I can really relate to that shift that you are talking about. It is beautiful and it does resonate with me. I have shifted toward becoming the same person in my paid role as well as the roles I play in the community. It has made me begin to excel in a different way at both. Thank you for articulating this so well
Love this. Glad I am seeing this as I returned from my 30-day misogi. So on point and resonates. I knew my retirement date for more than 20 years due to calculating the timing of a public pension. Timing is everything, and even having a plan with no plan is something to be thoughtful about.
This really resonates. I’ve been “not working” at my former coroorate career for a year and a half. My experiences are so similar to yours. Definitely felt a “seismic shift” in who I was and what I wanted to be in the final couple years in that office job. Now I am never bored or lonely without an employer, but god yes, do the bad habits now have room to get worse! That was my biggest surprise so far. With abundant time to dream and accomplish things, I tend to start 10 different projects at once and maybe - when I’m lucky - finish one. But as you say I have space to work at improving. This video was really good, thank you.
Great video Kerry Ann! Thank you for sharing part of your story! I think it is amazing you retired earlier than many do. Good for you!! For myself…I have worked off and on. Was blessed to be a stay at home mom! Then became a realtor over 10 years ago and worked for awhile…until I put it aside to take care of my mom and soon after gave up my license. So glad I did!After that I went to a ministry school for 3 years (was wonderful!) and now that it is over…I am at a crossroad of change and I do love it. I am in my early 60s and continuing to enjoy life one day at a time. Thank you again for the video.
Definitely had the ugly from people and it’s like all down hill now 🙈but it’s wonderful thing ,downsized my house and I’m now gardening a beautiful garden and traveling when I feel like it ,keep enjoying and be happy 🥳
I will take away “I’m not working right now!” That is such a skillful way of removing the possibility of jealousy and envy. From watching videos on retirement, I have learned that it will not be an option for many people of our generation.
The ugly part of others reactions to I'm Retired surprises me. When I talk to folks who mention they are retired, I feel joy for them mostly. From the ugly perspective, it seems like another reason to not see you or treat you as though you are invisible. Well thats on them for sure. I work hard at protecting my joy. 63 and still working at a California state job. Oh crap, 64! Omg. Omg. Omg. Thank you so much for sharing your experience.
I could have retired this year at 45, having reached financial independence at 44. But my boss asked me to finish one more project and I agreed as long as I can work from anywhere on my own terms. I agree, the freedom is delicious! My children love it when I wait for them at the dining table for talks after school. My husband I travel a lot. I exercise more regularly and do more self care. I do more charities dear to my heart. I learn new things and keep my brain stimulated. I read books and skip the news. Hoorayy!!
I turned 63 in July. I’m planning to retire from full-time work in February. The only reason I’m waiting until then is so that I can get COBRA health insurance that will take me to Medicare. I’m training to become a health coach, something I plan to do part-time. I will also spend time on woodworking and carpentry. No more long days in front of the computer! Yay! I appreciate your insight and perspective. I can’t wait to tell people that I’m retired! 😎
Hi Kerry Ann! You just popped up in my feed. Glad you did, thank you for the video, very helpful! I retired almost a month ago, single 54 and wanted to retire for many of the same reasons and to focus on my creative side that I have not had a chance to explore. I’m still in the honeymoon phase but appreciate that you pointed out that my bad habits may grow if I’m not attentive to them. I must admit that I can see that easily happening! The most exciting part so far is the freedom of time and setting my own pace. There is still the lingering urgency to get things done quickly and I’m trying resist it and just savor the moment. Thank you again!
Thank you for this great and positive video Kerry Ann! Early retirees can still say that they work in finance, since we are managing our investments/finances in retirement. 🙂 So even "portfolio manager" would be a valid answer here! (even if it only takes less than 5 mins a day). ☺
Thank you for your thoughts on this. I am in day 10 of my early retirement. I feel older than I am when I say ‘retired’ so, as my hobby is now my full time job, I can describe myself as a ‘watchmaker’. It does not have to pay me anything but it sounds more interesting to people than ‘retired’ and it is what I do (just not for a living). When I was working, it was also quite hard to describe what I did. I was a specialist in file transfer and encryption. Well, thats a conversation killer. But now, ‘watchmaker’ leads to a conversation about my passion for restoring vintage watches. So I am still in the honeymoon stage. I cannot image a disillusion stage. Maybe I will skip that one.
The “anything problematic can grow” is really interesting and something good to be aware of. I love your answer on “the beautiful”. What better reason to retire than to find your whole and true self and explore and live that out. Great insights, thank you!
I developed some things to say back to anyone who gives negativity when hearing I retired. Now, some may see snark, but I basically flip the script. For instance, *"What will you do all day?"* To that, I answer, "The real question is, what will YOU do all day when YOU retire? What's important is how *you'll* spend *your* time." (people project their fears onto others & then judge them). The other thing I've said to some rude coworkers when they asked the same question above, "well, you weren't concerned with what I did all day a month ago, or a week ago...why would you be concerned with what I do all day next month?" That worked well because, it was true, they didn't care how I spent my time before...it always comes back to them and their feelings about work, leaving work, retiring, etc. So I acknowledge the truth of the matter, which is, what the "r" word brings up for them.
You are lovely. I really appreciate your beautiful part of retirement. I am going through a similar situation needing g to explore myself more. I retired at 53. Thanks for your video.
Wow, Kerry Ann, I don't know why you came up in my feed today, but so blessed that you did! I just retired with my husband at age 53 (hubby 55) and you are spot on about the mental habits that you have before follow you into the after. I can't wait to subscribe and learn more from your 7 years of earned wisdom! Separately, if you're looking to discuss these topics as part of developing ideas for your videos, I'd be happy to have a video call. I think you could be the inspiring voice for 50+ women in early retirement that is NOT out there right now. I'd also be interested in joining a Patreon or other online group of women in the same boat. Congrats on your new channel!
Congrats on 7 years of retirement Kerry Ann. Freedom and lack of stress have been the biggest early retirement benefits for me as well. As for the Ugly, I haven't had a lot of negative responses when I tell people I retired early. More often, people seem confused at why I retired so early and how I was able to pull it off financially.
Hello Kerry Ann. This video just popped into my feed (as I'm a subscriber of other retirement channels). Not yet retired so I'm gleaning as much knowledge as possible to be as well-prepared as possible. Great video/content/thoughtfulness. I think my Good will be ample time to spend with my daughter and 5 grands (including school, sports, and church events). The Bad ~ I can see that being concerned about finances. I won't retire until I believe I'm well-prepared in that, but I'm sure I'll still be concerned as I never want to become a burden on anyone! The Ugly ~ I'm sorry to hear that you and others have experienced unwelcomed reactions from others who don't get that it's the retired persons choice, and not project their fear or reasoning onto you. Everyone needs to manage their retirement timing as they see fit. By the time I retire, I will be of 'retirement age' so I don't foresee getting that kind of feedback. For me, I would be concerned with loneliness being my Ugly. The Beautiful ~ finding joy, peace, beauty and a new perspective in the freedom of retirement ~ free from deadlines, work politics and negativity (though I really do love my job). Something I'm LOVING in these last few pre-retirement years, is working on an estimated budget and a three-part plan that I keep updating with BEFORE - DURING - and IN Retirement. I keep plugging in golden nuggets that I've been picking up from the various TH-cam channels and the community in their chats. I truly feel like the CEO of my retirement plan. We're in control of so little anymore, so I've been loved taking control of THIS! Keep enjoying your retirement Kerry Ann and keep that beautiful spirit uplifted!
I was blessed to retired 2 yrs ago at age 49. However, I had my only son at 38.5, so I still have him to raise. I LOVE being a ‘paid stay-at-home mom’ lol. Taking him to school and picking him up is the best part of my day. Plus we get to do lots of adventures during the summer.
Hello, I’m not sure how you came across my feed, but I’m so glad that you did. We are on the path of F.I.R.E., but find ourselves drifting or not being as serious as we need to be about reaching our goals. We would love to retire early and just had another “meeting” about our financial plan, present and future. We didn’t change our plan, just talked about rekindling. My husband may continue to work on a very part-time or as needed basis, but not me.😊. I just subscribed and look forward to more videos.
I had a forced retirement 12 months ago being made redundant. I was looking forward to some free time and no alarm clock. Then sudden health issues happened with myself, and at the same time, my elderly parents went down hill fast and needed my help. Then a sudden serious illness with my sister. It was all too much. I decided I had to look after myself better and make life easier and more relaxing. Worry was my biggest enemy. Some days are good. Some days are bad. Stick with your job as long as possible is my advice. It has more going for it than retirement.
Maybe it's an American thing - when I say I've stopped working at 56 (I'll admit I don't like the R work as it feels 'old') most people say things like "oh wow good for you" Several years back when I reduced my hours to 4 days my American colleague asked "why??" and seemed puzzled that time could be important than money (neither of us were financially struggling) whereas my UK colleagues said "that must be wonderful". 11 months in I've had a relook at the objectives I set and I've not done everything I planned (some) but I'm not going to berate myself just set a new plan and acccept I needed 'down time'. It took me several months to stop thinking about work multiple times a day but I think it's like the end of a long term relationship it takes a while to adjust I don't miss it though
I retired at 46 and now 12 years later, I’m still exploring. I’ve been able to try so many new hobbies. I quit drinking, which was the best decision for me. Life always has its limitations, however, retirement removes many of them. I try to remind myself, how fortunate I am.
I also quit drinking and it has proven to be a wise choice in so many different ways. I don't miss it at all!! And I'm always so delighted to hear other people normalize this choice :-) What are your favorite hobbies?
@@JoyfulAging, I bought a sailboat and learned to sail, but don’t anymore. I started riding my bicycle with a friend for many miles a week and now less but still enjoy it. I started trading the stock market and learned how to trade options. I learned how to somewhat quilt and sew. I got involved in local politics and created a non-profit journalism business with like minded friends.
Wow! So glad I asked! I think it's helpful for people to hear about other people's hobbies to expand their imagination. You have so many interesting ones!
I absolutely love your channel! If you don’t mind me asking, how old were you when you retired? Do you plan on sharing your retirement numbers in the future?
@ that’s awesome! I think it really would be! My husband and I are 30 but are looking to early retire in the next 5-10 years. Would you say that if it’s possible to retire in your 30’s, you should go for it? I want to avoid the “one more year” syndrome.
I’m planning to leave my career in 8 months at 58. I’ll work part time after that, but only at things I’m passionate about, and only part-time/project work. In anticipation of this, I’m already on a health journey. The first thing i did was cure an anxiety issue I’ve struggled with for 20 years after my sister died. Now I’m addressing a little bit of menopausal weight gain and establishing exercise habits. Really dialing in my relationship with food and building some sustainable habits so that I can have this well established before i walk from work. And finally, I’m letting go of some relationships that don’t serve me. they might even be a little bit toxic. In order to have good relationships it seems to me you have to first let go of the bad ones, and start to expect more. All of these things together add up to my preparation for post-career life. I’ve never been identified with my corporate job and can’t wait to leave that world behind and start living a life more aligned with my values.
I'm nearing 49 and so much of my physical work ethic was being driven by being able to help earn income for my aging mother. She was my last parent and after covid took her in 2021, I've lost the proactive workplace perspective and pivoted to a clarity of how simple and peaceful my life could actually be if I could get away from this troublesome work force. Self-diagnosing, I think I'm going through a mixture of midlife mental and emotional changes, beginning to feel physical aging and grief. Life wont stop or slow down enough for me to catch my second wind. I have felt motivated to goal set to enter the "FIRE" plan. What causes ME to worry is health insurance! What are the options for people like me that plan to leave early?!
I'm so sorry to hear about your mother and resonate with how loss can clarify what matters. This video is a good overview: th-cam.com/video/BykvoxJEWGo/w-d-xo.html Briefly, I've observed that people use one of the following strategies: 1) ACA, 2) Healthshare (co-op), or 3) part time job that provides benefits. We buy ours via ACA and this was an important/expensive item we built into our budget.
Thank you for your video, I would like to stop working at 50, I am in my 30s but I wonder if my savings can last me until am 70, 80 years old, so I wish to know how do those who have retired ensure they have savings until such late years?
Soo true! The bad creeps in @ no structure. I was def institutionalized, but way more productive. Getting back to hobbies but I do need a PT job. Also La job forever. Now I can’t say retired LE, it’s never a good convo. 😂
This is just the kind of content I’ve been looking for! I’m 58, five years retired . You’re beautiful with a pleasant voice and personality! May I ask your age? 😊
I really enjoyed your video. I plan on retiring early in six months. I’d love to hear more about being retired in So Calif. Because of the entertainment industry, seeing ppl outside of the office during regular biz hours isn’t unusual. Does you find that this aspect results in more group activities during the week like hiking, etc.? Very curious.
Absolutely! LA is full of people who play during the day. I have a few friends who are actors and they can be totally unavailable for months at a time while filming and then free for a few months. So lots of ups and downs. I just went for a walk on the beach and it was full of people biking, walking, playing volleyball, and working out at 1:00pm.
Some of the comments were: "What will you DO all day?" "You're too young to be retired! (they didn't know my age), "No, you're not retiring, no you're not!" (yes I am), "no you're not!" (OK have it your way...I'm not retiring). But I did!
I don't understand the point about people being ugly about your decision to retire. What kinds of things did people say? That didn't come through clearly.
there's some right here in the comments: "early retirement? especially in your 40 ties??? You depriving yourself from so many things. Purpose, Drive, meaningfull communication, Income... well. Not appealing for me for sure, no matter how hard early retirees are trying to prove their point. Not worth it."
early retirement? especially in your 40 ties??? You depriving yourself from so many things. Purpose, Drive, meaningfull communication, Income... well. Not appealing for me for sure, no matter how hard early retirees are trying to prove their point. Not worth it. I have graduated from university at 50 (second university degree) I am doing my dream job for 11 years now and not mentally even close to retirement. If my health holds me from working, only then I will retire Hopefully when I am 70 I am not just working I am doing parttime, quite intense job, lot of communication and responsibility. I am travelling at least 2 months a year, I am active with physical activity and keeping myself in shape I cannot even imagine myself retired at this point, despite being 61
Wow- I can’t believe you have had a negative experience when responding you are retired! When people tell me they’re retired, I am always so excited for them!!!!! I am like- wow, congratulations!!!!!🎊🍾🎉
Thank you for sharing your experiences. It resonates with me a lot. I retired at 45, just turned 50 this month and feel so blessed. Don't have many people around me with the same experience as all of my peers are still working and don't get it that I've retired so early. Absolutely love my life though. I'm very fortunate.
I have been retired for 1 year. I’m 55. I say this all the time and it sums up retirement perfectly: Time freedom is a beautiful thing!
Thank you for this video. Planning on retiring next year at 55. Really interesting to hear about the "bad habits". Its very easy to think all will be ok when retired, but you've made me realise that I need to be aware of these bad habits and watch out for the overthinking that i tend to do....❤
Planned for retirement for 20 years. I have been retired for over a year now and am 56. I get to spend everyday experiencing every moment I can with my beautiful 14 year old and her passion for being a competitive equestrian. Everyday is a new adventure and I wouldn’t go back to work for anything,
You are a breath of fresh air !!!! I’m 59 and retired for 10 years now. Unfortunately I had to experience a nervous breakdown to initiate my departure from the workplace. Today… I’m right there with you on how I feel about retirement. You are a wonderful person and thank you for making this video
I was looking for someone to talk about retirement in some way not focused on finances or wardrobe or makeup or cooking but rather on what a life transition it is. I also am curious about what people do, creatively, with the gift of time. I am sorry that strangers were not as supportive as one would expect. I retired at the regular time, 65, and did not experience that. White hair seems to entitle one to retirement. GOOD: sleeping late, reading books, taking long walks, not planning days, planning days in new ways, enjoying grandchildren, staying longer on visits with relatives...Bad: totally agree on the "bad habits expand to fill more time" thing, also it is a hard transition socially and that is a bit difficult particularly because I moved cities, it is also hard to feel that I have as meaningful a role to play in the world. Ugly: Well, not ugly but challenging anyway is that staying healthy seems to take a lot of time and you keep on aging so this is an ever more demanding issue. Beautiful: It is like being a teenager with wisdom. You have time to try all kinds of things,-explore places and ideas and hobbies, routines.
I love this: "It is like being a teenager with wisdom"
So well said and I couldn't agree more :-)
I’m 64+ years YOUNG!!!
I am retiring next week!!!
Only 2 more working days left!!!
No debt, with a NEWLY BUILT House, NEW SUV, etc!!!
My husband will work for another year.
I can’t wait to enjoy my FREEDOM!!
Thank you for sharing!!😃😁😊
CONGRATULATIONS!!!!!!!!!!!!!!!!!!!
I'm so excited for you!!
Well done, I was planning to retire April 24. But was made redundant November 23. All it did was move things ahead a few months. Now nearly a year in I have no concerns about ex companies I worked for as I was just an employee, I have my labour so I could live.
As soon as I realised my plans were solid and the finances etc would work I was literally counting the days away as I took no pleasure in my job.
Enjoy your retirement
I'm just now finishing my 7th yr of early retirement. Retired at age 56. Waited to get laid off, which I knew was coming, after a dissatisfying job that I hung on to for 2.5 yrs, one of several in a decade+ of jobs where my role was nebulous, undefined, and I had to make it look like I had work to do. I wanted out once & for all. Did the math, knew I'd be OK, I had saved and invested enough to cover my expenses. I wasn't going towards something as much as I was escaping from something ... toxic environments. From that standpoint, it's been great, simply "being," not having to look busy or answer to anyone or try to justify my existence at work.
I retired at age 46, so I am in my early 50s. Many of them resisted me because they couldn't understand the idea of not working if it wasn't necessary. I considered the phases of my life. I worked very hard to achieve what I have now, but in my last years, I owe it to myself to "stop and smell the roses." In my instance, I departed the nation after retiring and currently reside in Latin America. It made it possible for me to appreciate my new surroundings while escaping all the bad things that were going on in America. Nobody that I know of regrets retiring has yet to come to me.
Nice way to retire. For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement fund has grown way more than it would have with just the 401(k). Haha.
It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than a million dollars by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
I definitely share your sentiment about these firms. Finding financial advisors like Kathie Daisy Bosco who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.
Thank you for reminding us that it’s okay to have mixed feelings about early retirement.
I am retiring early at the end of the year. Unfortunately, I have already experienced the ugly pre-retirement. I’ve been passionate about saving and early retirement, but have found others don’t really want to share my same enthusiasm. It has been a big downer as the months have gotten nearer to the big day that I no longer talk to others about it or be open to any questions about my future plans. Thank you for this video.
Maybe the reason for that is jealousy as they are not making the same plans. In the UK especially we have a large part of the working population sleep walking to retirement. They think the company pension plus state pension will see them OK. There are no checks on how their money is invested just leaving it to the pension provider who typically invests in lifestyle type funds so the last ten years money goes from growth funds to lower performing more stable investments but the loss in growth is massive.
As soon as I knew my personal pension funds had reached a set amount I knew I could retire using those funds and with other pensions that would start over the next 20 months I was secure and that it with a mortgage still running for another ten years but will be paid off early.
As a SATH, I retired when my second child was born 27 years ago. I still get anxious when asked what I do. I love your response of “I’m not currently working”! I will add (outside the home) because I will always be working for my family; husband, children & grandchildren 😊 So glad I stumbled upon your channel.
I just turned 50, still working but I can really relate to that shift that you are talking about. It is beautiful and it does resonate with me. I have shifted toward becoming the same person in my paid role as well as the roles I play in the community. It has made me begin to excel in a different way at both. Thank you for articulating this so well
Love this. Glad I am seeing this as I returned from my 30-day misogi. So on point and resonates. I knew my retirement date for more than 20 years due to calculating the timing of a public pension. Timing is everything, and even having a plan with no plan is something to be thoughtful about.
This really resonates. I’ve been “not working” at my former coroorate career for a year and a half. My experiences are so similar to yours. Definitely felt a “seismic shift” in who I was and what I wanted to be in the final couple years in that office job. Now I am never bored or lonely without an employer, but god yes, do the bad habits now have room to get worse! That was my biggest surprise so far. With abundant time to dream and accomplish things, I tend to start 10 different projects at once and maybe - when I’m lucky - finish one. But as you say I have space to work at improving. This video was really good, thank you.
Great video Kerry Ann! Thank you for sharing part of your story! I think it is amazing you retired earlier than many do. Good for you!!
For myself…I have worked off and on. Was blessed to be a stay at home mom! Then became a realtor over 10 years ago and worked for awhile…until I put it aside to take care of my mom and soon after gave up my license. So glad I did!After that I went to a ministry school for 3 years (was wonderful!) and now that it is over…I am at a crossroad of change and I do love it.
I am in my early 60s and continuing to enjoy life one day at a time.
Thank you again for the video.
Definitely had the ugly from people and it’s like all down hill now 🙈but it’s wonderful thing ,downsized my house and I’m now gardening a beautiful garden and traveling when I feel like it ,keep enjoying and be happy 🥳
I will take away “I’m not working right now!” That is such a skillful way of removing the possibility of jealousy and envy. From watching videos on retirement, I have learned that it will not be an option for many people of our generation.
The ugly part of others reactions to I'm Retired surprises me. When I talk to folks who mention they are retired, I feel joy for them mostly. From the ugly perspective, it seems like another reason to not see you or treat you as though you are invisible. Well thats on them for sure. I work hard at protecting my joy. 63 and still working at a California state job. Oh crap, 64! Omg. Omg. Omg.
Thank you so much for sharing your experience.
I could have retired this year at 45, having reached financial independence at 44. But my boss asked me to finish one more project and I agreed as long as I can work from anywhere on my own terms. I agree, the freedom is delicious!
My children love it when I wait for them at the dining table for talks after school.
My husband I travel a lot.
I exercise more regularly and do more self care.
I do more charities dear to my heart.
I learn new things and keep my brain stimulated.
I read books and skip the news.
Hoorayy!!
This sounds like a beautiful life and use of your freedom! Thank you for sharing it with us :-)
I turned 63 in July. I’m planning to retire from full-time work in February. The only reason I’m waiting until then is so that I can get COBRA health insurance that will take me to Medicare. I’m training to become a health coach, something I plan to do part-time. I will also spend time on woodworking and carpentry. No more long days in front of the computer! Yay! I appreciate your insight and perspective. I can’t wait to tell people that I’m retired! 😎
I appreciate your honesty about the loneliness that can come with retirement. It’s something we don’t hear enough about 💔
Love it! Retired 7 years and still healthy and vibrant. That's awesome!
Hi Kerry Ann! You just popped up in my feed. Glad you did, thank you for the video, very helpful!
I retired almost a month ago, single 54 and wanted to retire for many of the same reasons and to focus on my creative side that I have not had a chance to explore.
I’m still in the honeymoon phase but appreciate that you pointed out that my bad habits may grow if I’m not attentive to them. I must admit that I can see that easily happening!
The most exciting part so far is the freedom of time and setting my own pace. There is still the lingering urgency to get things done quickly and I’m trying resist it and just savor the moment.
Thank you again!
Thank you for this great and positive video Kerry Ann! Early retirees can still say that they work in finance, since we are managing our investments/finances in retirement. 🙂 So even "portfolio manager" would be a valid answer here! (even if it only takes less than 5 mins a day). ☺
I love this!
Thank you for your thoughts on this. I am in day 10 of my early retirement. I feel older than I am when I say ‘retired’ so, as my hobby is now my full time job, I can describe myself as a ‘watchmaker’. It does not have to pay me anything but it sounds more interesting to people than ‘retired’ and it is what I do (just not for a living). When I was working, it was also quite hard to describe what I did. I was a specialist in file transfer and encryption. Well, thats a conversation killer. But now, ‘watchmaker’ leads to a conversation about my passion for restoring vintage watches. So I am still in the honeymoon stage. I cannot image a disillusion stage. Maybe I will skip that one.
Congratulations!!! I love "watchmaker" as your response. It has the benefit of being true, cool, and a surefire conversation starter!
I always thought early retirement was all sunshine and rainbows. Thanks for sharing the realities!
The “anything problematic can grow” is really interesting and something good to be aware of. I love your answer on “the beautiful”. What better reason to retire than to find your whole and true self and explore and live that out. Great insights, thank you!
I developed some things to say back to anyone who gives negativity when hearing I retired. Now, some may see snark, but I basically flip the script. For instance, *"What will you do all day?"* To that, I answer, "The real question is, what will YOU do all day when YOU retire? What's important is how *you'll* spend *your* time." (people project their fears onto others & then judge them).
The other thing I've said to some rude coworkers when they asked the same question above, "well, you weren't concerned with what I did all day a month ago, or a week ago...why would you be concerned with what I do all day next month?" That worked well because, it was true, they didn't care how I spent my time before...it always comes back to them and their feelings about work, leaving work, retiring, etc. So I acknowledge the truth of the matter, which is, what the "r" word brings up for them.
I think you look beautiful. Just an honest clean comment. I retired 2024 at 64 and I’m enjoying every day. Stay healthy and enjoy.
You are lovely. I really appreciate your beautiful part of retirement. I am going through a similar situation needing g to explore myself more. I retired at 53. Thanks for your video.
Wow, Kerry Ann, I don't know why you came up in my feed today, but so blessed that you did! I just retired with my husband at age 53 (hubby 55) and you are spot on about the mental habits that you have before follow you into the after. I can't wait to subscribe and learn more from your 7 years of earned wisdom! Separately, if you're looking to discuss these topics as part of developing ideas for your videos, I'd be happy to have a video call. I think you could be the inspiring voice for 50+ women in early retirement that is NOT out there right now. I'd also be interested in joining a Patreon or other online group of women in the same boat. Congrats on your new channel!
Congrats on 7 years of retirement Kerry Ann. Freedom and lack of stress have been the biggest early retirement benefits for me as well. As for the Ugly, I haven't had a lot of negative responses when I tell people I retired early. More often, people seem confused at why I retired so early and how I was able to pull it off financially.
Hello Kerry Ann. This video just popped into my feed (as I'm a subscriber of other retirement channels). Not yet retired so I'm gleaning as much knowledge as possible to be as well-prepared as possible. Great video/content/thoughtfulness. I think my Good will be ample time to spend with my daughter and 5 grands (including school, sports, and church events). The Bad ~ I can see that being concerned about finances. I won't retire until I believe I'm well-prepared in that, but I'm sure I'll still be concerned as I never want to become a burden on anyone! The Ugly ~ I'm sorry to hear that you and others have experienced unwelcomed reactions from others who don't get that it's the retired persons choice, and not project their fear or reasoning onto you. Everyone needs to manage their retirement timing as they see fit. By the time I retire, I will be of 'retirement age' so I don't foresee getting that kind of feedback. For me, I would be concerned with loneliness being my Ugly. The Beautiful ~ finding joy, peace, beauty and a new perspective in the freedom of retirement ~ free from deadlines, work politics and negativity (though I really do love my job). Something I'm LOVING in these last few pre-retirement years, is working on an estimated budget and a three-part plan that I keep updating with BEFORE - DURING - and IN Retirement. I keep plugging in golden nuggets that I've been picking up from the various TH-cam channels and the community in their chats. I truly feel like the CEO of my retirement plan. We're in control of so little anymore, so I've been loved taking control of THIS! Keep enjoying your retirement Kerry Ann and keep that beautiful spirit uplifted!
You ARE The CEO of your retirement plan! Thanks so much for saying it that way - it's a powerful reminder.
I was blessed to retired 2 yrs ago at age 49. However, I had my only son at 38.5, so I still have him to raise. I LOVE being a ‘paid stay-at-home mom’ lol. Taking him to school and picking him up is the best part of my day. Plus we get to do lots of adventures during the summer.
I also volunteer with two organizations and substitute teach occasionally, just to get out of the house.
Hello, I’m not sure how you came across my feed, but I’m so glad that you did. We are on the path of F.I.R.E., but find ourselves drifting or not being as serious as we need to be about reaching our goals. We would love to retire early and just had another “meeting” about our financial plan, present and future. We didn’t change our plan, just talked about rekindling. My husband may continue to work on a very part-time or as needed basis, but not me.😊. I just subscribed and look forward to more videos.
The part about social connections really hit home for me. I never thought about how retirement could affect friendships. 😔
If you told me you were retired, I’d say well done!! 👏 ❤😀 I’ve been planning it for years 😊
Those book recommendations are super helpful.
I had a forced retirement 12 months ago being made redundant. I was looking forward to some free time and no alarm clock. Then sudden health issues happened with myself, and at the same time, my elderly parents went down hill fast and needed my help. Then a sudden serious illness with my sister. It was all too much. I decided I had to look after myself better and make life easier and more relaxing. Worry was my biggest enemy. Some days are good. Some days are bad. Stick with your job as long as possible is my advice. It has more going for it than retirement.
Thanks for sharing your experience. 🙂🙏
Loved your perspective on the ugly side of early retirement!
Its refreshing to hear someone be honest about the challenges 🙌
This video was so eye-opening!
Maybe it's an American thing - when I say I've stopped working at 56 (I'll admit I don't like the R work as it feels 'old') most people say things like "oh wow good for you"
Several years back when I reduced my hours to 4 days my American colleague asked "why??" and seemed puzzled that time could be important than money (neither of us were financially struggling) whereas my UK colleagues said "that must be wonderful".
11 months in I've had a relook at the objectives I set and I've not done everything I planned (some) but I'm not going to berate myself just set a new plan and acccept I needed 'down time'.
It took me several months to stop thinking about work multiple times a day but I think it's like the end of a long term relationship it takes a while to adjust
I don't miss it though
Wow, 7 years! I’m seriously considering this path now.
When u say im retired i would have said Congratulations!!
Wow! This could have been a TED talk! Excellent articulation of your retirement experience.
Thank you for sharing
I retired at 46 and now 12 years later, I’m still exploring. I’ve been able to try so many new hobbies. I quit drinking, which was the best decision for me. Life always has its limitations, however, retirement removes many of them. I try to remind myself, how fortunate I am.
I also quit drinking and it has proven to be a wise choice in so many different ways. I don't miss it at all!! And I'm always so delighted to hear other people normalize this choice :-) What are your favorite hobbies?
@@JoyfulAging, I bought a sailboat and learned to sail, but don’t anymore. I started riding my bicycle with a friend for many miles a week and now less but still enjoy it. I started trading the stock market and learned how to trade options. I learned how to somewhat quilt and sew. I got involved in local politics and created a non-profit journalism business with like minded friends.
Wow! So glad I asked! I think it's helpful for people to hear about other people's hobbies to expand their imagination. You have so many interesting ones!
You inspired me to dream bigger 💖
Cant wait to implement some of your strategies into my own early retirement plans 💪🌟
I absolutely love your channel! If you don’t mind me asking, how old were you when you retired? Do you plan on sharing your retirement numbers in the future?
Thank you!!! I was 45 and my husband was 46. And I had not planned on sharing numbers but am curious what would be helpful?
@ that’s awesome! I think it really would be! My husband and I are 30 but are looking to early retire in the next 5-10 years. Would you say that if it’s possible to retire in your 30’s, you should go for it? I want to avoid the “one more year” syndrome.
@@anthonypeter8652 short answer: YES! Go for it. Longer answer coming in a video soon (because this is such a great question!).
I’m planning to leave my career in 8 months at 58. I’ll work part time after that, but only at things I’m passionate about, and only part-time/project work. In anticipation of this, I’m already on a health journey. The first thing i did was cure an anxiety issue I’ve struggled with for 20 years after my sister died. Now I’m addressing a little bit of menopausal weight gain and establishing exercise habits. Really dialing in my relationship with food and building some sustainable habits so that I can have this well established before i walk from work. And finally, I’m letting go of some relationships that don’t serve me. they might even be a little bit toxic. In order to have good relationships it seems to me you have to first let go of the bad ones, and start to expect more. All of these things together add up to my preparation for post-career life. I’ve never been identified with my corporate job and can’t wait to leave that world behind and start living a life more aligned with my values.
Your journey is so inspiring!
I'm nearing 49 and so much of my physical work ethic was being driven by being able to help earn income for my aging mother. She was my last parent and after covid took her in 2021, I've lost the proactive workplace perspective and pivoted to a clarity of how simple and peaceful my life could actually be if I could get away from this troublesome work force. Self-diagnosing, I think I'm going through a mixture of midlife mental and emotional changes, beginning to feel physical aging and grief. Life wont stop or slow down enough for me to catch my second wind. I have felt motivated to goal set to enter the "FIRE" plan. What causes ME to worry is health insurance! What are the options for people like me that plan to leave early?!
I'm so sorry to hear about your mother and resonate with how loss can clarify what matters. This video is a good overview: th-cam.com/video/BykvoxJEWGo/w-d-xo.html Briefly, I've observed that people use one of the following strategies: 1) ACA, 2) Healthshare (co-op), or 3) part time job that provides benefits. We buy ours via ACA and this was an important/expensive item we built into our budget.
Retiring early? I would've said "attagirl!"
Thank you for your video, I would like to stop working at 50, I am in my 30s but I wonder if my savings can last me until am 70, 80 years old, so I wish to know how do those who have retired ensure they have savings until such late years?
New subscriber. Retiring in two weeks at 57.❤
CONGRATULATIONS!!!! I'm so excited for you!!!!
Soo true! The bad creeps in @ no structure. I was def institutionalized, but way more productive. Getting back to hobbies but I do need a PT job. Also La job forever. Now I can’t say retired LE, it’s never a good convo. 😂
This is just the kind of content I’ve been looking for! I’m 58, five years retired . You’re beautiful with a pleasant voice and personality! May I ask your age? 😊
Sure Faith, I'm 52!
My husband retired at the age of 56 he is now 82. When someone asks what he does he says “I do whatever I want whenever I want!”
I really enjoyed your video. I plan on retiring early in six months. I’d love to hear more about being retired in So Calif. Because of the entertainment industry, seeing ppl outside of the office during regular biz hours isn’t unusual. Does you find that this aspect results in more group activities during the week like hiking, etc.? Very curious.
Absolutely! LA is full of people who play during the day. I have a few friends who are actors and they can be totally unavailable for months at a time while filming and then free for a few months. So lots of ups and downs. I just went for a walk on the beach and it was full of people biking, walking, playing volleyball, and working out at 1:00pm.
Your hair is so cute
Thanks Delores! I'm new to short hair so I greatly appreciate it :-)
I can’t imagine what sorts of negative comments people would make about your being retired. I’m truly curious.
Some of the comments were: "What will you DO all day?" "You're too young to be retired! (they didn't know my age), "No, you're not retiring, no you're not!" (yes I am), "no you're not!" (OK have it your way...I'm not retiring). But I did!
@@crimson25543 oh, my word!
The transition from a structured work life to retirement must be tough. How did you cope with the sudden free time?
Would love to know how people have gone off on you. I wonder if it’s just an LA thing? I haven’t seen that in New York. I get high fives.
I don't understand the point about people being ugly about your decision to retire. What kinds of things did people say? That didn't come through clearly.
there's some right here in the comments:
"early retirement? especially in your 40 ties??? You depriving yourself from so many things. Purpose, Drive, meaningfull communication, Income... well. Not appealing for me for sure, no matter how hard early retirees are trying to prove their point. Not worth it."
U can alwaya say u r on sabbatical
I like it. Thanks!🙏🏾
Too long-winded you said you don't like how people respond to you when you tell yhemthat you are retired well what do they say to u?
Is your husband retired? If not, then I wouldn't say you are retired, maybe just a housewife at this point.
lol! We both retired at the same time.
early retirement? especially in your 40 ties??? You depriving yourself from so many things. Purpose, Drive, meaningfull communication, Income... well. Not appealing for me for sure, no matter how hard early retirees are trying to prove their point. Not worth it. I have graduated from university at 50 (second university degree)
I am doing my dream job for 11 years now and not mentally even close to retirement. If my health holds me from working, only then I will retire
Hopefully when I am 70
I am not just working
I am doing parttime, quite intense job, lot of communication and responsibility. I am travelling at least 2 months a year, I am active with physical activity and keeping myself in shape
I cannot even imagine myself retired at this point, despite being 61