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November 30, 2011


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Very interesting. My grandmother is of the busier-now-post-retirement lifestyle as well. I hope to save for retirement likd she did so I can enjoy mine as well.


Thank you for a great post- I really enjoyed hearing from someone that has prepared well for retirement- I hope to make use of your insights in about 20 years.

-Rick Francis

I knew #1 would not be a surpize. My father and mother said it may of times.

The others are very good food for thought.


Thanks for posting this FMF!

Marie, you don't find contentment like what you talked about equals a level of boredom?

Congrats on all of these: "We have never paid one penny in credit card interest. We've been car loan free for 20+ years and mortgage free since 1993." Planning like you said is what made all this possible!

I also have never paid credit card interest and don't have car loan. :)

Congrats again. Nice article.

@Christa What kind of activities is your Grandma into?

@Rick - 20 years - you are planning ahead!

@Matt - are your Mom and Dad retired?

@Hank - Not at all - but then I am easily amused!

@WOF - Woot for us both!!

I retired in 1992, a year before my wife and used that year to get lots of things done around the house, such as painting the inside. I really liked it when she retired a year later because we have always enjoyed each other's company from the day we first met as kids when I was 15 and she was 16.

I have my room that I like to call, "My office" but it's just the room where I have my computer, an Elliptical, a TV, sofa, and a wall unit where I can keep all of my books and memorabilia picked up on vacations to Nepal, Bali, Africa, China, Peru, Turkey, Europe etc. I also have two large handwoven Tibetan rugs that I cherish and some framed diplomas.

My wife has a similar room which I like to call "Grandma's room" because it contains all of her memorabilia and loads of pictures of the three kids at various stages in their lives, but she has no need for a computer.

It works out well to each have a room to personalize just the way you like it and to spend some private time doing whatever you like to do on your own.

Over the last couple of years we have started a ritual of watching a Netflix movie every afternoon and it has become something that we don't like to forgo for anyone, we also never answer the phone while we are "at the movies". We also gave up entertaining some years ago and never have overnight guests - we just enjoy being by ourselves.

The real highpoint of our day starts at 8pm when we sit down to dinner. My wife is a fabulous cook and works her magic in the kitchen. I move a small folding table and a couple of chairs into the family room in front of the TV and fire (if needed), then lay it up with our crystal wineglasses, two candlesticks, and all of the plates and cutlery etc., open the wine, then at about 5 min to 8, she sits down and I bring everything in, light the candles, and we decide what to watch while we eat. Having a DVR is very nice when there isn't much on TV. BTW I take care of all the cleanup.

Even though we both loved our work, retirement is an order of magnitude better, it's incredibly stress free and happy when you don't have money issues and spend it with your best friend, however I wouldn't have wanted to retire any earlier than we did, 58 for me and 59 for her. We started our foreign travel as soon as we could leave the kids and continued it every year thru 2010. Our Bucket List is now empty so we have finally become old homebodies.

Mary great article. I am a planner and remained debt free so far

Great post, looking to retire in a few years and this helps me out. Thanks

You make great points there. I never want to "retire" in the traditional sense. I want to eventually stop working for someone else and just work because I love it. That helps with a lot of the issues you bring up on its own.

Nice story but how many folks just live on the husbands paycheck and the wife gets to invest her check for retirement. Most folks need two incomes today to get by and retirement can be hard at any age. Taxes are going to kill us and the tax breaks given are for the people living in poverty. My savings for retirement have actually hurt us. I'll support the poor in my city with my taxes until I become one of them.

@ Old Limey - Thanks for the very interesting story. I'm glad you are both enjoying life in retirement!

@SB - You will do well.

@Marty - That is great news, I was hoping someone would find the info useful!

@Eric - point number one addresses just working for the fun of it. We all need a purpose - something to work towards and measure ourselves against - whether it is paid or unpaid!

@Penny - Actually I'm more impressed by what I am now reading on many, many of everyone's financial blogs. People in their teens, twenties and thirties are doing much more than I did at that same age.

@Bruce - Agreed - eventually you can crawl up out of the situation - if you both are able to keep increasing your incomes without increasing your standard of living. Taxes suck - even though they serve a purpse (roads, law enforcement, public safety and the like) - things have gotten out of hand when our elected officials have spent our tax money before we even earn it - especially on programs that reward entitlement.

Very interesting article...It's refreshing to hear about a successful retirement plan rather than the "we're 65 and won't be able to retire for another 5-10 years due to the crummy economy" story.

You had the willpower and foresight to manage your finances successfully from the beginning -- your story should be a lesson plan for all of us.

You are soo right! I think this is the first article I have read that talked about actually being in retirement instead of working towards retirement. Thank you for writing it!

Point number 2 really stuck out to me. Many of us know that money fights and other money related problems are a big cause of frustration and fights in many marriages.

But, aside from the potential money issues, having to adjust and learn how to live with each other in retirement could cause it's own issues. Neither of you are used to the other ALWAYS being there. Being gentle, sensitive and honest about your needs is important.

Great post!

I was just wondering- my husband & I built & own a very sucessful business- 13 years now & are planning on retiring early- in our late 40's with the sale of our business & our 2nd home. I am a home body & he is one that always has to be doing something all the time- since we are together 24/7 we know we can make our way to a happy early retirement. I was just wondering where to put all of our money. That is our big handup. He is an investor & I like more safe ventures, CDs', bonds, etc. Did you have any of this become an issue with your husband during your "planning" phase?

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