OnTheGreenInPar Posted January 22, 2021 Share Posted January 22, 2021 Golf and retirement go together like biscuits and gravy so I’m looking for your input I’m reaching a work situation where I have a choice to either dive into a new job or tap out and work on my chipping - the trade offs are obvious - less money vs more time Lots weighing on my mind; including watching some of my older friends having to give up the game but also watching my older siblings get nervous about pinching pennies in retirement So, I ask the Get Off My Lawn crowd - what say you? cksurfdude, GolfSpy_SHARK, Tom D. and 5 others 8 Quote 410 Plus 10.5 2Deep 15* Apex CF16 56* Wishon 4 wood, Nickent 4 hybrid, and a rogue’s gallery of assorted wedges Link to comment Share on other sites More sharing options...
CarlH Posted January 22, 2021 Share Posted January 22, 2021 Only you know your financial status. We have lots of seniors well into their 80s playing golf every day. tony@CIC, MadMex, Kenny B and 6 others 9 Quote Driver: Rogue ST Max (10.5* set at -1 and neutral) -- Mitsubishi Tensai Blue 55g R shaft Fairway: Rogue ST Max 3 wood (16.5*) and Heaven Wood (20*)-- Tensai Blue 55g R shaft Hybrids: Rogue ST Max 5H (23*)--Tensai Blue 55g R shaft Irons: Apex CF19 6-9, PW, AW -- KBS Tour Graphite TGI 70 shafts R +1/2 inch 3* upright Wedges: Edison 53* and 57* KBS PGI 80 Graphite +1/2 inch 2* upright Putter: L.A.B. DF 2.1 -- BGT Stability shaft Ball: Maxfli TourX...Golf Bag: Pioneer...Shoes: Hyperflex... Glove: Red Rooster Feather My Photography can be seen at Smugmug Link to comment Share on other sites More sharing options...
Popular Post MadMex Posted January 22, 2021 Popular Post Share Posted January 22, 2021 About 5 years ago I “knew” I was going to wait until I was 62 to retire (was 55 then) then my wife heard about a co-worker who passed away , he was still working because he said he could not afford to retire and wanted more in the way of retirement pay, he was 63. Two years ago my best friend and co-worker was diagnosed with esophageal cancer, then he went into remission and then no cancer, he was stoked, 7 months later he passed away. Several other officers who waited until 65 and 67 to retire, you guessed it, both passed within a couple of years Those incidents made the wife and I think, so I am retiring this September 26, age 60, that’s as soon as I can retire, financially we will be OK, I could wait two years and make about $300 more a month, but that’s two years I could spend enjoying life. Alf. S, Vegan_Golfer_PNW, Kenny B and 13 others 16 Quote DRIVER: Cobra F-8 set at 10.5, Aldila NV 2KXV Blue 60 (R) 44 1/2 " 3 & 5 WOOD: Callaway XR-16, Fujikura Speeder Evolution 565 Red (R) IRONS 5-SW: PING G-700, 2 upright, std loft Alta CB (R) + 1/2" HYBRID 3-4: PING G-410, 1 upright, Alta CB 70 Red (R) + 1/2" PUTTER: Byron Experimental GSS Link to comment Share on other sites More sharing options...
Popular Post Kenny B Posted January 22, 2021 Popular Post Share Posted January 22, 2021 It depends on your financial situation, and everyone and every job is different, so it's hard to say. I stayed on at my company until I was 68. Years earlier, I told my wife that I was now "semi-retired". What that meant was I liked my job, but I wanted to spend more time playing golf. I used to travel a lot, 2 weeks at a time, mostly to Russia but also all over the US. I was weary, and it didn't help my golf game coming off a long trip. I managed to quit most travel in 2004 and only had to make a few trips a year to DC or Albuquerque, so I stayed on. I got 4 weeks of vacation a year and I could carry over 6 weeks into the next year. I also got a lot of comp time for travel and working weekends, so I had a lot of golf time when I was home. My wife and I also went on golf vacations. In 2015 my projects changed, and I didn't care for where the work was headed, so I said goodbye. We joined our current club (a muni) and have been members ever since. It's certainly not fancy and it has typical muni problems, but I know all the people that work there and many other members. Now at 73 I play as much as I want/can, and use the practice facility on days I don't play. I know I can't afford a private club, but I'm fine with the quality of golf where I'm at. We still travel for golf but COVID-19 cut that short this past year; hoping for better this year. CarlH, MattF, Shapotomous and 9 others 12 Quote “We don’t stop playing the game because we get old; we get old because we stop playing the game.” Link to comment Share on other sites More sharing options...
fixyurdivot Posted January 22, 2021 Share Posted January 22, 2021 31 minutes ago, OnTheGreenInPar said: Golf and retirement go together like biscuits and gravy so I’m looking for your input I’m reaching a work situation where I have a choice to either dive into a new job or tap out and work on my chipping - the trade offs are obvious - less money vs more time Lots weighing on my mind; including watching some of my older friends having to give up the game but also watching my older siblings get nervous about pinching pennies in retirement So, I ask the Get Off My Lawn crowd - what say you? Only you can decide whether your financial situation and retirement plan works. But just keep in mind that you don't get (and cannot buy) the years back. Tom D., cksurfdude, tony@CIC and 4 others 7 Quote G410 Plus, 9 Degree Driver G400 SFT, 16 Degree 3w G400 SFT, 19 Degree 5w ZX5 Irons 4-AW Glide 2.0 56 Degree SW (removed from double secret probation ) ER5v Putter (Evnroll ER5v Official Review) AI-One Milled Seven T CH (Currently Under Product Test) Link to comment Share on other sites More sharing options...
SlowNLow Posted January 22, 2021 Share Posted January 22, 2021 22 minutes ago, OnTheGreenInPar said: Golf and retirement go together like biscuits and gravy so I’m looking for your input I’m reaching a work situation where I have a choice to either dive into a new job or tap out and work on my chipping - the trade offs are obvious - less money vs more time Lots weighing on my mind; including watching some of my older friends having to give up the game but also watching my older siblings get nervous about pinching pennies in retirement So, I ask the Get Off My Lawn crowd - what say you? Sounds like you got options, which is a good thing, Depends on money, medical, what does work mean to you. Some people thrive on work, they don't realize it until its gone, then they go crazy. I don't think that's me, I would be happy chipping. Other people work longer than they want, and have no time after work is done. This is sad for these people. I'd just like to end my working days on my own terms, with a little dignity and respect. Rickp, tony@CIC, GolfSpy_SHARK and 6 others 9 Quote Link to comment Share on other sites More sharing options...
silver & black Posted January 22, 2021 Share Posted January 22, 2021 I'm 61. I will probably never be able to retire. This shutdown has pretty much killed any chance of that. I had planned to work until I was 70, but retirement seems unlikely now...... even if I ever get to go back to work. cksurfdude, Tom D., GaDawg and 6 others 1 8 Quote Link to comment Share on other sites More sharing options...
tony@CIC Posted January 22, 2021 Share Posted January 22, 2021 Lots of great thoughts from Forum member here and as many have said a lot depends on your financial position. In my case, because I had to travel extensively, I retired at 62 - I always feared dying in a motel room in some far off country. When I retired, I went from 100 miles an hour to 0, given my personality, it drove my wife and myself crazy. After two years I went back to work, commuting every week from Cleveland to Long Island - not an easy gig, however I was happier. This was not a financial issue but one of engagement. If you're healthy and can afford retirement do so but figure out a way to keep mentally and physically engaged. Tom D., Kenny B, fixyurdivot and 6 others 9 Quote Left Hand orientation SIM 2 D Max with Fujikura Air Speeder Shaft Cobra Radspeed 3W/RIptide Shaft 410 Hybrids 22*, 26* Cobra Speed Zone 6-GP/Recoil ESX 460 F3 Shafts SM7 54* Wedge Glide 3.0 60* Wedge O Works putter V3 NX9-HD - 4 Wheel EZGO TXT 48v cart - too many shoes to list and so many to buy And BAG Boy Golf Balls: Vice Pro Plus 2020 Official Tester Beginning Driver Speed - 78 2019 Official Tester 410 Driver 2018 Official Tester C300 Link to comment Share on other sites More sharing options...
Popular Post Middler Posted January 22, 2021 Popular Post Share Posted January 22, 2021 If you’re completely comfortable with your financial picture, retirement is an option, but it’s not a reason to retire. But be sure, most of us can’t resume a career if we decide we pulled the plug too early financially. Make sure you know what you’ll realistically spend in retirement, every day expenses including medical/health care and taxes, and don’t forget to plan for large infrequent expenses, e.g. roof replacement and other major home maintenance expenses, new cars periodically, etc. Ideally anyone considering retiring should try to live on their projected retirement budget for a year or two before pulling the plug to make sure it’s realistic. Someone always comes along to cite an example of someone who died young and didn’t get to enjoy retirement. It happens, but it’s the exception - you must plan to live a long life, that’s what’s most likely. Don’t overweight so and so died young as a factor in your decision to retire - unless you know otherwise, it probably won’t happen to you. If you don’t hate your job, I wouldn’t retire. No matter if you retire now or 5 years from now, odds are you will be retired for a very long time. In the long run it’s not urgent you start as soon as possible. If you’re young, under 65, remember most of your friends will be working still. They won’t be around to hang out or play golf. Out an about during the day Mon thru Fri it’s mostly really old folks and young Moms with kids in tow. Have you thought about what you’ll do all day? Some people easily fill their time with satisfying activities, others get lost without the structure of work - even succumb to boredom and depression. Not everyone but some people retire and watch TV/surf the internet all day - that’s not healthy, easy to lose touch with reality. They’ve devoted so much to a career they haven’t built much of a life outside work... ...Most people will get tired of one activity, e.g. I’m going to play golf every day, or fish every day. I love golf but I’d get bored with it eventually if I didn’t have other interests. And if God forbid some physical ailment curtails your golf, you’ll want to have other fulfilling activities to turn to. cnosil, fixyurdivot, Golf Dawg and 8 others 11 Quote Titleist TSR2 11° HZRDUS Red CB 50 6.0 w Lamkin UTx Midsize Titleist TSR2 16.5º HZRDUS Red 60 CB 6.0 & TSR2 21º HZRDUS Black 4G 70 6.0 w Lamkin UTx Midsize Mizuno JPX923 HMP 4-GW, T22 54.12WS, T22 58.04DC w Lamkin ST+2 Hybrid Midsize Evnroll EV5.3 Maxfli Tour & ProV1 Ping Pioneer - MGI Zip Navigator AT Payntr X 002 LE, Ecco Biom C4, Payntr X 001 F (Mesh) Link to comment Share on other sites More sharing options...
Popular Post dlow206 Posted January 22, 2021 Popular Post Share Posted January 22, 2021 I can't wait until retirement (i'm only 36 ). Kenny B, cnosil, Tom D. and 8 others 11 Quote Follow my golf journey to break into the 80s Tester for the Titleist TSi Driver Spring 2020 MGS Tester for the Fujikura Motore X Shaft Updated 07/15/2022 Driver: Rogue St Max LS - Autoflex Fairway Woods: Rogue Max St 3HL and 7 Wood Irons: JPX 921 Hot Metal 5 to AW - Aerotech Steelfiber i95 Stiff parallel tip Wedges: Glide 4.0 54 and 58 Putter: PLD Custom Kushin 4 Link to comment Share on other sites More sharing options...
Popular Post Siamese Moose Posted January 22, 2021 Popular Post Share Posted January 22, 2021 I was forced to retire at 42, but I was very lucky. I lost my job when the company had an accounting scandal, and figure this, a high tech company laid off all of the R&D, and hired more accountants. (They've since been sold multiple times, and have gone from dominant world leader to bit player.) My skills were highly valued, but also highly specialized. My only practical opportunities involved a major relocation. My wife's job paid better than mine, she loved it, and it covered my medical, so relocation was not happening. I looked for some local, lesser jobs in my field, but despite interviewers telling me how much they wanted my expertise, and would load all this responsibility on me, the offers were insulting. I ended up working some hobby jobs (homebrew store, a couple breweries where I set up QC labs, even a country club for a couple years) for almost as much money, and found the change totally enjoyable. My wife has since retired (at 53), and we're both busy with unpaid work we do for non-profits. However, I'll freely admit that I have too much downtime, and the pandemic has made life quite boring. I don't play near as much golf as I expected, as my normal partners are still not retired. My league has folded, and those players have drifted away. Most of the other retirees I meet at courses are older (I'm now 61), and they don't want to play with somebody who doesn't play the forward tees. I subbed for a couple of morning leagues, but didn't find a fit I liked (yet). Besides not playing as much, I don't practice as much as I thought I would. My body doesn't hold up to it. Long story short, the previous posters have given you all of the practical advice I would have offered. I've told my story as more data for you to have in your decision. Either way, I wish you the best of luck whatever you decide! OnTheGreenInPar, Rickp, Tom D. and 7 others 10 Quote Moose, my cat, is Siamese Link to comment Share on other sites More sharing options...
OnTheGreenInPar Posted January 22, 2021 Author Share Posted January 22, 2021 Thanks for the replies. addressing a couple things - I’m fully vested for lifetime medical coverage (and so is my wife through her job) - so that double stacked coverage removes a big “what if” that a lot of retirees need to worry about Regarding money - suffice it to say that I would have more if I worked than if I retire. I’m a frequent poster of FIRE forums (financial independence) FWIW I’ve lost 6 friends and colleagues aged 54-56 in the last 3 years Just replaced the roof and floors and did a ton of maintenance - that’s a great point Given my field if I leave I likely won’t be able to get back in. My best financial move is to hang on to my current job if I can. If I retire and have to go back to work it will be at a much much lower salary and position i will be retiring both from something and to something - I’m confident in my ability to fill my days. I won’t miss work and I won’t miss 90% of the people or 100% of the issues My current contract ends at age 59; the only question is whether I work until 62 or 59; ain’t no way I will make it to 65 keep those thoughts coming ! Golf Dawg, Tom D., MattF and 6 others 9 Quote 410 Plus 10.5 2Deep 15* Apex CF16 56* Wishon 4 wood, Nickent 4 hybrid, and a rogue’s gallery of assorted wedges Link to comment Share on other sites More sharing options...
OnTheGreenInPar Posted January 22, 2021 Author Share Posted January 22, 2021 11 minutes ago, Siamese Moose said: I was forced to retire at 42, but I was very lucky. I lost my job when the company had an accounting scandal, and figure this, a high tech company laid off all of the R&D, and hired more accountants. (They've since been sold multiple times, and have gone from dominant world leader to bit player.) My skills were highly valued, but also highly specialized. My only practical opportunities involved a major relocation. My wife's job paid better than mine, she loved it, and it covered my medical, so relocation was not happening. I looked for some local, lesser jobs in my field, but despite interviewers telling me how much they wanted my expertise, and would load all this responsibility on me, the offers were insulting. I ended up working some hobby jobs (homebrew store, a couple breweries where I set up QC labs, even a country club for a couple years) for almost as much money, and found the change totally enjoyable. My wife has since retired (at 53), and we're both busy with unpaid work we do for non-profits. However, I'll freely admit that I have too much downtime, and the pandemic has made life quite boring. I don't play near as much golf as I expected, as my normal partners are still not retired. My league has folded, and those players have drifted away. Most of the other retirees I meet at courses are older (I'm now 61), and they don't want to play with somebody who doesn't play the forward tees. I subbed for a couple of morning leagues, but didn't find a fit I liked (yet). Besides not playing as much, I don't practice as much as I thought I would. My body doesn't hold up to it. Long story short, the previous posters have given you all of the practical advice I would have offered. I've told my story as more data for you to have in your decision. Either way, I wish you the best of luck whatever you decide! somewhat similar situation - my skills are deep but narrow I’m lucky in that one of my playing partners just retired and so did my brother, and I’ve also become a regular with a good group of guys at a local cigar lounge many of whom are retired or work flex schedules. I’m also very happy to fish or golf or do solo activities thank you for sharing that cksurfdude, MattF, Rickp and 2 others 5 Quote 410 Plus 10.5 2Deep 15* Apex CF16 56* Wishon 4 wood, Nickent 4 hybrid, and a rogue’s gallery of assorted wedges Link to comment Share on other sites More sharing options...
Kenny B Posted January 22, 2021 Share Posted January 22, 2021 My wife worked for my company starting in 1979 for 8 years then moved to another company for 8 years. She was a photo "lab rat" and when the digital photo age came along, the company closed the wet lab and she bought all of the equipment and started her own business. Eventually, she closed the wet part and went totally digital. She sold her business in September 2019 before COVID-19... very fortunately!!! The reason was that she turned 65 last month and decided to draw social security, because her family history says "there is no long life". The average "sell by date" of both sides of her family is 66 years old. Fortunately, she is the youngest of her siblings and saw all the things not to do! Now she can spend her non-golf time working on her non-profit; however, that's on hold since COVID -19 has shut down those activities with high school students. MattF, cnosil, Vegan_Golfer_PNW and 6 others 9 Quote “We don’t stop playing the game because we get old; we get old because we stop playing the game.” Link to comment Share on other sites More sharing options...
alfriday101 Posted January 22, 2021 Share Posted January 22, 2021 My brother in law was in a situation similar to yours. He debated retiring at 62 verses 65. He ended up working to 65. He talked with the owner of the company and changes were made to his job to keep him around the extra 3years. Fewer hours, more vacation time and he got rid of a couple of projects he didn’t like working on. He took a small cut in salary the last three years. It worked well for him. GolfSpy_SHARK, Rickp, Tom D. and 3 others 6 Quote Link to comment Share on other sites More sharing options...
Vegan_Golfer_PNW Posted January 22, 2021 Share Posted January 22, 2021 I have a goal to retire at 55 (god, 24 years from now) if I can so I can still enjoy my kids and be more active. Will see how my company’s stock does to see if that will be plausible. as for you, do what makes you happy. Like others said, you don’t get years back and a little less money shouldn’t matter as long as your state of mind is better. Good luck! Tom D., GolfSpy_SHARK, Rickp and 2 others 5 Quote Follow my journey to enjoying golf and going low Driver: Epic Max LS Ventus Black 6x 44.5" 3wHL: Rogue ST LS 75x Tensei AV Blue w/ xlink 7w: Apex UW 21* MMT 80S DI: Caley 01X 18* with KBS PGH Stiff plus 95g 4-AW: 0211 with KBS Tour Stiff 2.5* up 3/4" long, Soft stepped, MOI matched Wedges Zipcore Putter: L.A.B. Directed Force 2.1 69*/35" in blue Ball: TBD Shot Tracking: Bag: Vessel VLX 2.0 Grip: Lamkin Sonar + Midsize My Reviews: Caley 01X Driving Iron Review 2023 Max Swing Speed Training and Speed Progress: Current Speed 120 in the MGS Speed Challenge (updated 3/15/23) TAIII #2 Review here: TAIII Impact #2 Putter ) Zipcore Tour Rack 54/full and 58/mid (review here) 0211 2019 Unofficial Review Link to comment Share on other sites More sharing options...
Tom the Golf Nut Posted January 22, 2021 Share Posted January 22, 2021 I will be turning 62 in June. Due to starting over in life with wife # 2 and having two more children, retirement is not in the near future. My youngest is a senior in high school, so another to get through college. My Dad is 88 and I think I would still run away from him if he was coming after me. He still works one day a week to stay active. So I think health wise I got a while to go. I think one of the key issues is to have a job you like. I get to play a lot of golf for work. I get to travel and make my own schedule being in a Sales role. Sure it's still a job but it has it's bright side too. Would I like to be retired... I really don't know. I do know that I will be running out to play the Mega Millions today. It's up to a Billion dollars. Hey if I win I'll buy a golf course and you all can come and play on me. Back to reality... What ever you decide you have to be happy. Can you fill the days being retired? Will you miss having a job to go to? Since you are thinking about getting another job then get something you will enjoy. I know a few guys that retired then took a part time job at golf courses. Free golf and additional income to help out. Good luck in your decision. GolfSpy_SHARK, Rickp, cksurfdude and 5 others 8 Quote Driver, TSi 1 S Flex 3 wood, Aerojet Max UST Helium Nanocore R Flex 5 wood, Aerojet Max UST Helium Nanocore R Flex 7 Wood, Aerojet Max UST Helium Nanocore R Flex 5 Hybrid King Tec MMT R Flex Irons, Tour UST Recoil 95 R Flex (6 - Gap) Wedges, Snakebite KBS Hi- Rev2.0 54* & 60* Agera 35" Ultralight 14-way Cart Bag Link to comment Share on other sites More sharing options...
Rickp Posted January 22, 2021 Share Posted January 22, 2021 I retired at 65, 9 years ago. We wanted to retire earlier but medical was the problem, a big problem so we hung in there. Sent from my iPhone using MyGolfSpy cnosil, GolfSpy_SHARK, MattF and 5 others 8 Quote Rick Left Hand, Driver; PXG 0311XF Cypher 50 gr Senior 5 wood; Ping 425, Senior Shaft 55 gr 7 wood; Ping 425, Senior Shaft 55 gr 5 hybrid; Cally Steelhead, Hazardous R2 Irons; Mizuno JPX 923HM 7-GW Recoil 460 F2 Wedges; Titleist S9 54*, Mizuno SW 56* Putter; Waaay too many to list Link to comment Share on other sites More sharing options...
JDHolmes Posted January 23, 2021 Share Posted January 23, 2021 I've worked a year in the last 4 due to being unemployed (ageism). I'm 62 and we're planning to retire in 18 months as my wife will be 65 then. We're moving to Florida then.My "job" is to sell personal stuff in preparation for this. I play 2-4 times a week. I intend to play 5-7 in retirement.We have adequate finances. Retire when you can afford to live the life you want in retirement. Too many wait too long. My wife's co-workers have deemed themselves "slumpers". (I.e. they will die sluped over their desk at work) mainly because they have inadequate retirement savings and/or have no interests beyond work.Sent from my SM-G950U using MyGolfSpy mobile app Rickp, OnTheGreenInPar, cksurfdude and 4 others 7 Quote Link to comment Share on other sites More sharing options...
Herts JoaTMoN Posted January 23, 2021 Share Posted January 23, 2021 I've been looking at my life during this 3rd lockdown in the UK and wondering what I have achieved and what I want out of life. My partner and I are very opposite. I'm the saver and she is the spender. I took up contracting work last year with a view that I could work shorter periods with extended time off. She sees that as a chance for me to work all the time for more money wants a bigger house and fancier car etc and makes me feel lazy when I talk about taking a month or so out of work. I follow the FIRE movement (Financial Independence Retire Early), but my plans for building up savings and investments are soon scuppered. Its hard to make that big change though when you have been together for 9 years even though you know its not right for you Rickp, Vegan_Golfer_PNW, GolfSpy_SHARK and 4 others 7 Quote Currently deciding what shaft to use in blank cells... Link to comment Share on other sites More sharing options...
TBT Posted January 23, 2021 Share Posted January 23, 2021 I will be turning 62 in June. Due to starting over in life with wife # 2 and having two more children, retirement is not in the near future. My youngest is a senior in high school, so another to get through college. My Dad is 88 and I think I would still run away from him if he was coming after me. He still works one day a week to stay active. So I think health wise I got a while to go. I think one of the key issues is to have a job you like. I get to play a lot of golf for work. I get to travel and make my own schedule being in a Sales role. Sure it's still a job but it has it's bright side too. Would I like to be retired... I really don't know. I do know that I will be running out to play the Mega Millions today. It's up to a Billion dollars. Hey if I win I'll buy a golf course and you all can come and play on me. Back to reality... What ever you decide you have to be happy. Can you fill the days being retired? Will you miss having a job to go to? Since you are thinking about getting another job then get something you will enjoy. I know a few guys that retired then took a part time job at golf courses. Free golf and additional income to help out. Good luck in your decision.I’m in a similar situation, I just turned 57 but I’m only 3 years into marriage #2 and 2 years into buying a new house so unfortunately retirement isn’t on my radar for awhile. I’ll probably have to work into my 70’s.If I was financially able I would probably try to work part time for awhile to keep from being boredSent from my iPad using MyGolfSpy Rickp, MattF, Tom D. and 1 other 4 Quote XR Driver Matrix Ozik 8m3 Black Tie Shaft King F7 3W UST Mamiya Chrome Elements 7F4 Shaft King F7 5W UST Mamiya Chrome Elements 7F4 Shaft King F7 4 Hybrid Graphite Designs Tour AD-HY 95 Shaft PXG 0211 DC 5-PW Mitsubishi MMT 80 Shafts RTX ZIPCORE 50*,54*,58* UST Mamiya Recoil 95 Shafts Metal X Milled #7 with SuperStroke 2.0 grip MTB Twitter: @timldotson Instagram: timldotson Facebook: TimDotson Link to comment Share on other sites More sharing options...
Tom the Golf Nut Posted January 23, 2021 Share Posted January 23, 2021 2 minutes ago, TBT said: I’m in a similar situation, I just turned 57 but I’m only 3 years into marriage #2 and 2 years into buying a new house so unfortunately retirement isn’t on my radar for awhile. I’ll probably have to work into my 70’s. If I was financially able I would probably try to work part time for awhile to keep from being bored Sent from my iPad using MyGolfSpy Dam... Someone from Michigan won my Billion Dollars. Guess we are stuck working for a while. Rickp, TBT, MattF and 1 other 3 1 Quote Driver, TSi 1 S Flex 3 wood, Aerojet Max UST Helium Nanocore R Flex 5 wood, Aerojet Max UST Helium Nanocore R Flex 7 Wood, Aerojet Max UST Helium Nanocore R Flex 5 Hybrid King Tec MMT R Flex Irons, Tour UST Recoil 95 R Flex (6 - Gap) Wedges, Snakebite KBS Hi- Rev2.0 54* & 60* Agera 35" Ultralight 14-way Cart Bag Link to comment Share on other sites More sharing options...
Alf. S Posted January 23, 2021 Share Posted January 23, 2021 Someone told me work to live and not the other way round. I look around and I see friends of the same age that have had personal tragedies, ill health, partners health issues and decided I wanted to enjoy my retirement when I can. I retired 18 months ago at 58. Mortgage was paid and had no major out goings. I did the rounds with a few Financial Advisors and came to the conclusion that as long as I died before I'm 107 I would be fine. I did a big spreadsheet with some base assumptions on spend and pension growth really for my peace of mind. As I've gone through the last 2 years even with Covid financially I'm ahead of the game. When I retired I set myself a target to get my handicap down to 5 before I was 60 from 9. In the old CONGU handicap system this is what is called a Category 1 golfer. Under CONGU I got to 5.5 and with the WHS introduction that got me down to 5.4. Prior to COVID I had gone on 3 golf holidays in a year to the Canary Islands. So far so good. Vegan_Golfer_PNW, tony@CIC, OnTheGreenInPar and 5 others 8 Quote WIMB Driver Callaway Epic 10.5' Fujikura Stiff 3W Callaway Epic 15' Fujikura Stiff 3-AW Srixon Z565 Nippon Stiff 52', 56' Cleveland RTX 585 Wedges Putter Taylormade Rosa Daytona Bags 2017 Callaway Org14 Cart bag or 2018 Srixon Z start Carry bag Link to comment Share on other sites More sharing options...
Alf. S Posted January 23, 2021 Share Posted January 23, 2021 1 hour ago, Herts JoaTMoN said: I've been looking at my life during this 3rd lockdown in the UK and wondering what I have achieved and what I want out of life. My partner and I are very opposite. I'm the saver and she is the spender. I took up contracting work last year with a view that I could work shorter periods with extended time off. She sees that as a chance for me to work all the time for more money wants a bigger house and fancier car etc and makes me feel lazy when I talk about taking a month or so out of work. I follow the FIRE movement (Financial Independence Retire Early), but my plans for building up savings and investments are soon scuppered. Its hard to make that big change though when you have been together for 9 years even though you know its not right for you Invest in a private pension, you get tax relief on and it will stop you and your partner getting it until you're 55. Herts JoaTMoN, cksurfdude, Vegan_Golfer_PNW and 2 others 5 Quote WIMB Driver Callaway Epic 10.5' Fujikura Stiff 3W Callaway Epic 15' Fujikura Stiff 3-AW Srixon Z565 Nippon Stiff 52', 56' Cleveland RTX 585 Wedges Putter Taylormade Rosa Daytona Bags 2017 Callaway Org14 Cart bag or 2018 Srixon Z start Carry bag Link to comment Share on other sites More sharing options...
toehold57 Posted January 24, 2021 Share Posted January 24, 2021 (edited) I’ll be 64 this year, people are always asking when I’ll hang it up. I really don’t know. I don’t have a plan for what I’ll do day in and day out. Living in Colorado offers a lot of choices during the summers but that’s not going to help when the weather cools off. Moving isn’t an option. The kids and grandkids are local to us, we like that. Plus we do enjoy being here. My wife has some medical issues so insurance is a must. She’s just 62 so unless someone knows how she can get affordable coverage I’ll prolly work until she reaches 65. Or maybe the Dems will pass some sort of bill to cover us boomers (Edit: just an attempt at humor, no political leans being tossed) Edited January 24, 2021 by toehold57 GaDawg, cksurfdude and Rickp 2 1 Quote Link to comment Share on other sites More sharing options...
PMookie Posted January 24, 2021 Share Posted January 24, 2021 I’m 52, and only made $45k a year until 10 years ago. I have a 17 year old son, 13 year old daughter, and a 9 year old daughter. A financial guy told me that at the current rate college tuition is increasing, it will cost $62,000 a year in-state in 9 years when my youngest is ready to go. Moral of this story, I will legitimately never be able to retire. I’ll be 71 when I can best expect to have the last one off the “dole”, and will have paid for 3 college educations, and maybe two weddings by then. Heck, I’m just praying that Social Security will exist at that point. I doubt it... Anyway, all of you who have retired or get to, I’m jealous!!! Rickp, GolfSpy_SHARK, Alf. S and 3 others 6 Quote Driver: Ping G430 Max 9*, Ping Tour 70X Fairway: Ping G425 15*, Ping Tour 70X Hybrid: Ping G425 22*, Ping Tour 80X Irons: Ping i230 4-GW, TT DG X100 Wedges: SMS 50D/54V/58DModus 130 stiff, +1” Putter: EAS 1.0 Ball: Titleist 2023 AVX Link to comment Share on other sites More sharing options...
GaDawg Posted January 24, 2021 Share Posted January 24, 2021 I will be vested at my current job on September 1 and will be 63 at that time. I will be able to keep my health coverage at that time, which is the most important thing for us. I plan on retiring at that time and traveling, playing golf and spending time with the 3 grand-kids. Not too worried about getting bored. After going through prostate cancer surgery this past August, I want to stop working as soon as possible. 47 years working P/T during school and F/T has been enough. I will not look back at all. Tom D., tony@CIC, MattF and 4 others 7 Quote Driver: TSI3 - 10*, Hzrdus Smoke 6.0 Stiff Driver: Stealth Plus - 10.5*, Oban Kiyoshi Purple O4Flex-65 Grams Purred 3 Wood: SIM - 15*, Graphite Design Tour AD DJ5 Stiff Hybrid: TS3 - 19*, Hzrdus Smoke 6.0 Stiff Irons: 5 - PW T150, with Nippon Zelos 7 Reg, 4 iron - U505 with Project X HZRDUS Black Stiff Wedges: Vokey SM 8 - 50*, 60* Standard Wedge Shafts Wedge: Milled Grind 3 MG3 56* S200 shaft Putter: Studio Select Newport 1.5 Putter: Phantom X 5.5 Ball: Pro V1x Link to comment Share on other sites More sharing options...
OnTheGreenInPar Posted January 24, 2021 Author Share Posted January 24, 2021 3 hours ago, Alf. S said: Someone told me work to live and not the other way round. I look around and I see friends of the same age that have had personal tragedies, ill health, partners health issues and decided I wanted to enjoy my retirement when I can. I retired 18 months ago at 58. Mortgage was paid and had no major out goings. I did the rounds with a few Financial Advisors and came to the conclusion that as long as I died before I'm 107 I would be fine. I did a big spreadsheet with some base assumptions on spend and pension growth really for my peace of mind. As I've gone through the last 2 years even with Covid financially I'm ahead of the game. When I retired I set myself a target to get my handicap down to 5 before I was 60 from 9. In the old CONGU handicap system this is what is called a Category 1 golfer. Under CONGU I got to 5.5 and with the WHS introduction that got me down to 5.4. Prior to COVID I had gone on 3 golf holidays in a year to the Canary Islands. So far so good. Ah Scotland - my wife and would retire there tomorrow if they would take us. Our daughter is a graduand of the Royal Conservatoire in Glasgow and we will be there next spring for her wedding reception. I will waive as I go past West Lothian when I sneak out for a round at the Old Course Rickp, Alf. S, cksurfdude and 2 others 5 Quote 410 Plus 10.5 2Deep 15* Apex CF16 56* Wishon 4 wood, Nickent 4 hybrid, and a rogue’s gallery of assorted wedges Link to comment Share on other sites More sharing options...
OnTheGreenInPar Posted January 24, 2021 Author Share Posted January 24, 2021 1 hour ago, toehold57 said: I’ll be 64 this year, people are always asking when I’ll hang it up. I really don’t know. I don’t have a plan for what I’ll do day in and day out. Living in Colorado offers a lot of choices during the summers but that’s not going to help when the weather cools off. Moving isn’t an option. The kids and grandkids are local to us, we like that. Plus we do enjoy being here. My wife has some medical issues so insurance is a must. She’s just 62 so unless someone knows how she can get affordable coverage I’ll prolly work until she reaches 65. Or maybe the Dems will pass some sort of bill to cover us boomers Check out Early Retirement forum lots of good tips on bridging health care until Medicare cksurfdude, toehold57 and Rickp 3 Quote 410 Plus 10.5 2Deep 15* Apex CF16 56* Wishon 4 wood, Nickent 4 hybrid, and a rogue’s gallery of assorted wedges Link to comment Share on other sites More sharing options...
fozcycle Posted January 24, 2021 Share Posted January 24, 2021 In my case, my wife is 5 yrs older. So, when I retired at 66, she closed her business. We have both been retired for 4 years now and so far, we have not killed each other yet.Sent from my iPhone using MyGolfSpy Tom D., MattF, Rickp and 5 others 6 2 Quote Driver: 0311 XF 10.5* w/Project X Cypher 40 gram Senior shaft or 0811 XF 12* w/Evenflo Riptide CB Senior shaft Fairways: 0211 5W & 7W w/ Evenflo Riptide CB regular shaft and Tour Edge E521 9W w/Fubuki HD50 regular shaft Hybrid: None in bag at the moment Irons: Titleist T300 5-PW w/Fubuki MV Senior graphite shafts w/Golf Pride Tour Wedges: Edison forged 49*, 53* and 57* wedges with KB PGI Senior shafts(80 grm). Putter: 33” Evnroll ER6R or ER2 or Bellum Winmore Model 707, or Nike Method Core Drone w/Evnroll Gravity Grip Bag: Vice cart bag(Black/Lime). Ball: Snell MTB Prime X, Maxfli Tour/S/X CG, Titleist Pro V1x or Titleist TruFeel Using Shot Scope X5 and Pinned Rangefinder Link to comment Share on other sites More sharing options...
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