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February 10, 2011


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Excellent! My husband and I had a semi-retirement before completely retiring at Alden Place in Lebanon, PA 5 years later. That experience changed the way we look at retirement. Though not fully retired, we've encountered issues like budgeting and finding affordable ways for enjoyment and relaxation. We're glad we did it before retiring completely.

I suspect when you retire discretionary expenses go up. When working all day and brown bagging lunch the daily expenses are pretty low. I don't open my wallet at all during the work week but on the weekends it's completely opposite!


I would never have tried semi-retirement because I never intended to stop working until I could do it no longer. But, I retired in 2006 at 69 as my husband was dying and needed me home. I was able to go back to work after he died for 6 months, but with the economy the way it is, the state is having to cut back a lot.

I am highly motivated to do work I love, but I am also lazy and laidback when home. I read, exercise very little, watch DVD's on my tv, spend time on the computer and am active some in church and the OATS committees and trips. It is still not my ideal of life. I HATE retirement. It is just not filled with work I loved to do. I don't have to worry about my income at the present, so I guess I worry about these things. Yuck!!

I live in a small town 50-80 miles from larger cities. I do not want to take work, if it's available near home, from those who really need it. I do travel some to see family. Luckily I have family all over the place - IL, NH, FL, AL, TN, OK, TX, AZ, NV, CA, and WA. They all welcome me when I come. But this does not make up for sitting around home a lot and going to the coffee shop once a day for friends to talk to. With only me, I do little housework. Who is around to mess it up.

Actually, trying semi-retirement might be good for a lot of people. They might actually decide not to retire anytime soon. It is really more than the money you earn. You are busy and useful and your days are full. Also, at 74, even at my old job, it would be hard to be rehired now. Guess I'll have to go back to an old job I used to do - staying with elderly people. The only trouble is that is still mostly just sitting around. I must simply be feeling sorry for myself. Gotta stop that or I will have to put myself on the county prayer list.

Ah- financial planners love to tell people they do not have enough money to retire. Their income is based on yours!
Yes, if you plan on traveling around the world- your expenses will go up.
If you now have time to stop and smell the roses- they usually go down.
You will have to pay for those "business lunches". But you won't have to eat with people you do not like AND you can go when tables are available.
If you retired and are bored in three weeks- you are NORMAL.
It takes about six months to shift into a new lifestyle. After the six months are up- then life becomes exciting again if you have motivation.
We have been retired for about nine months. We are not committing to any long term volunteer things that take time in the spring or fall when we want to travel. Our budget is as expected- about 50% of what we needed when we worked. I have to admit that we prefer the public tennis courts to the private golf clubs.
It is what you make it. Two younger people moved into our jobs when we left. Why do you think college aged people are unable to find work----their parents are still filling the positions.
If your image is your job- then continue working- by all means!
Not us- you won't see us. We woodwork, bike ride, travel and read while you are at your desk or grocery shopping on Saturdays.

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