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Hi, 46 years old from Sweden
Old 11-11-2010, 02:27 PM   #1
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Hi, 46 years old from Sweden

Hi,

I am an 46 years old single male living in Sweden. I have read this site for 6 month now and my problem is that I am boored and stressed at my work and are thinking about my retirement .

I like to read about you lucky guys( and women) who have taken the step to early retirement. Also i like to read about what to do once FIREd.
I will continue to read this forum and trying to give something back to it even if I am not FIREd yet.

My plan is to work a couple of more year before retirement, maybe between 50 and 58, depending on health, money and work satisfaction.
Depending on my investments i may or may not be financially ready. In Sweden taxes on wages are very high and VAT and other taxes like on gasoline also very high making money out of work is only for the top 1 % earners like a CEO of a big company.

In Sweden health care is free, as long as i stay in the country I have very low cost for healthcare maximum i think is about 250 $/year. My salary are decent but after taxes not anything to brag about, compared to US salaries. Most of my money are from the stockmarkets and i hope a can make some more before retirement.

My problem is that i problably want to do extensive travel/spend much/move abroad in my retirement. That is going to determing my FIRE date.

My current standings:

Loan : 0 $
Privat pension plan : 380.000$
Condo/apartment: 300.000$
Stockmarket: 1.300.000$
Cash: 15.000$

And some swedish version of SS from about 62 to 65 years old at 1500/month.

Happy to be here
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Old 11-11-2010, 02:40 PM   #2
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Welcome Isoman I look forward to hearing about how you progreess towards your goal in Sweden.
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Old 11-11-2010, 02:47 PM   #3
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Hi Isoman and welcome. What destinations do you have in mind for your travel?
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Old 11-11-2010, 02:50 PM   #4
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Welcome Isoman! Of course taxes are very high in Sweden but your country is consistently ranked near the top in terms of quality of life. I haven't visited but would love to learn more about Sweden!
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Old 11-11-2010, 03:00 PM   #5
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Welcome! Seems to me it might be difficult to move out of Sweeden due to the health care you have there. I'm sure you've heard how much we're stuggling with the issue of health care here in the United States.

Otherwise, you seem to be in very fine shape financially. Where are you interested in traveling or possibly moving to?
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Old 11-11-2010, 03:14 PM   #6
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Welcome! Seems to me it might be difficult to move out of Sweeden due to the health care you have there. I'm sure you've heard how much we're stuggling with the issue of health care here in the United States.
I think he should be okay moving to other countries in the EU. There is also the European Health Insurance card available to citizens of the 27 countries that make up the EU for temporary travel abroad. (apparently 188 million folks carry the card).

The European Health Insurance Card - EU
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Thanks for all the quick feedback
Old 11-11-2010, 03:18 PM   #7
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Thanks for all the quick feedback

Alan: Thanks for the welcome

MichaelB: I traveled alot when i was younger, but havent traveled much laterly..to much focus on work. And since we have an cold and dark winter here in the nordic region many ppl dream of warmer climate. I want to travel in the southern europe ( Spain; Italy and Greece), caribian islands aswell as to asia(Thailand, Indonesia; Malaysia). I also want to travel to the US , infact i have only been 1 day in chicago before going to Acapulco in Mexico. So i want to go to Disneyland ( how is that ).

Meadbh: Agree Sweden is a good country to live in. And infact we dont have a recession here in sweden like you have in the US. Gouverment finance is good and industry is doing well. So in the end I maybe be staying home.

Purron: Agree free health care is really good espesially when planning on future expenses. And yes i have read about the problem of the stuggling with the issue of health care here in the United States. I read alot about the US and your problem and i hope the US will recover in the future.
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Old 11-11-2010, 03:39 PM   #8
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Welcome Isoman. Our politicians have told us of the hard and miserable life that you live under socialism, so don't be afraid to share your tales of oppression - we will understand.
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Alan free health care eu
Old 11-11-2010, 03:40 PM   #9
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Alan free health care eu

Yes Alan you are right.

As long as I go to an EU country, but :


I think i read somewhere that you need to be 62 year to be entitled to free health care as an retired person couldnt find it just now.
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Old 11-11-2010, 03:41 PM   #10
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Welcome Isoman. Our politicians have told us of the hard and miserable life that you live under socialism, so don't be afraid to share your tales of oppression - we will understand.
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Old 11-11-2010, 03:45 PM   #11
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Travelover

psss....cant speak they are monitoring me.
Dont want to work in the salt mine.
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Old 11-11-2010, 03:47 PM   #12
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Welcome Isoman. Our politicians have told us of the hard and miserable life that you live under socialism, so don't be afraid to share your tales of oppression - we will understand.
I see it all the time when I am visiting relatives in England. At least all that goose stepping keeps them fit (of course they don't call it that but have a government ministry dedicated to it).
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Old 11-11-2010, 03:48 PM   #13
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Hej och valkommen
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Old 11-11-2010, 03:52 PM   #14
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psss....cant speak they are monitoring me.
Dont want to work in the salt mine.
OK, so they have evil bosses in Sweeden too. Well at least you can get on this forum and chat. Hopefully, they haven't blocked your access to you tube at work. That's all that kept me from going crazy when I was in cubicle hell.

By the way Alan, did you know they have a feline division?
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Old 11-11-2010, 04:00 PM   #15
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Keegs: Tackar så mycket

I really like monthy pyton and the english humor. Fawlty tower is my favorite TV serie together with Dr Who.
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Old 11-11-2010, 04:18 PM   #16
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Lots of Monty Python around here - you'll fit right in.
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Old 11-11-2010, 04:18 PM   #17
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By the way Alan, did you know they have a feline division?
That is really cool !!
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Old 11-11-2010, 04:23 PM   #18
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I really like monthy pyton and the english humor. Fawlty tower is my favorite TV serie together with Dr Who.
In 1983 I worked on a project in England that included 4 guys from Sweden (Stockholm) being on-site for the best part of a year. They had a great sense of humor and fitted right into the project team. It sounds like you may be from the same mould.
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Old 11-11-2010, 04:32 PM   #19
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This is some of my taste of humor:Monty Python fish dance



and Alan i see you are born in UK, have you lost your english humor.
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Old 11-11-2010, 04:36 PM   #20
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Valkommen, my grandparents were from Sweden. One day I would like to see Sweden.
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