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In the zone
Old 11-08-2018, 02:52 AM   #1
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In the zone

Long time follower of this site .In the zone to fire . Retirement for me is not about ending , but beginning a new chapter . Iím 56 , 20 years in a stressful job and in love with stability and conservative with money . Although moderate risk allowed me to make some good decisions and earn more than I thought I would . Remarried at 53 with blended families and weddings coming up . You think you canít do it but our new mindset of being in the zone has helped us tremendously . . My husband is 32 yrs in with a defined benefit so we are lucky . We are in zone now to retire in three . Bought a second home down shore . Downsiized primary home to condo ( will sell to live at beach and be mortgage free . ( already appreciated in value) No car payments , paid off debt . Jobs ironically became more necessary and less stressful when we embraced that we need to make them work until we are ready to let go . When my attitude changed so did my zone . We have more opportunities coming to us now than I ever thought possible as far as second career consulting / work from home type jobs . We know we need to keep busy and we both volunteer already and our building our network . Itís not easy though . There are days I want to throw in the towel and just get off the wheeel , but I keep my end zone in sight . I realize that making permanent decisions on a bad day is not the same as a bad life . I love this site . I wish all the best and hope to continue to find ideas and resources until we officially fire .
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Old 11-08-2018, 05:24 AM   #2
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Welcome to our wonderful site. Being a long time lurker, you know you can receive lots of good advice whenever necessary.
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Old 11-08-2018, 08:40 AM   #3
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Remarried at 53 also to another widower. We had blended family of older kids in their 20's. Tried to make it the Brady bunch. Didn't work but they get along.

I gave a year and a half notice to retire and it became the most delightful time to not take things so seriously and be able to speak freely. Hope you get to do the same.

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Old 11-10-2018, 09:36 AM   #4
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Remarried at 51 here. My spouse also has a pension. We are very happy, kids not so much. The youngest is 19 she's the only one that likes us both��, and the only one still at home.

For the OP will your spouse's pension be your only source of retirement funds? Did you co mingle all your finances immediately?
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Old 11-10-2018, 10:55 AM   #5
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Welcome Firezone! If you haven't found them in your lurking, we have a helpful list of things to think about as you're on your glideslope to ER:

Some Important Questions to Answer

We're glad you joined and look forward to your contributions!
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Old 11-10-2018, 06:25 PM   #6
Confused about dryer sheets
 
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Originally Posted by Vacation4us View Post
Remarried at 51 here. My spouse also has a pension. We are very happy, kids not so much. The youngest is 19 she's the only one that likes us both��, and the only one still at home.

For the OP will your spouse's pension be your only source of retirement funds? Did you co mingle all your finances immediately?


I donít have defined benefit but 401 k . We feel we cannot pull the trigger yet , but we are working towards our goal . We bought a little 800 Sq ft house with a nice yard near the beach and are just seasonal right now . But we will sell our home in pa and retire to no mortgage which should help us reduce expenses . My spouse will carry health Insurance for three years after he retires . We dated for 11 years before marriage . We have been married for three now . We did co mingle finances after marriage , but it took a while . It was a process . Now we laugh and think what were we so afraid of . But second time around can be scary . But our kids all moved on . But they are close by but independent . We opted not to raise kids together . For us it worked out . 19 is tough . We have four kids and I think they all hated us at 19 .. lol it gets better
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Old 11-10-2018, 07:34 PM   #7
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Remarried at 56. Best decision !! We sold each of our homes then bought an "our" home. We paid it off and now have a rental SFH for extra income

I'm working another year and my DH is retired with a pension.

We co mingle $$ and are very happy too.
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Old 11-10-2018, 07:42 PM   #8
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Remarried at 56. Best decision !! We sold each of our homes then bought an "our" home. We paid it off and now have a rental SFH for extra income

I'm working another year and my DH is retired with a pension.

We co mingle $$ and are very happy too.


Happy for you !
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Old 11-11-2018, 06:06 AM   #9
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Anyone with a prenup?
1 year in we haven't commingled anything yet. Eventually we will have to or our life won't be what we planned.

We both agreed on the prenup. He has a mega pension to protect I have an almost paid for house and 401k. My dilemma is once we retire in 2 to 3 years I will have no income and no access to any of my assets until 59.5. The what if the worst happens is scary. Top that off with I really suck at spending other people's money. It's disconcerting being in a position less than equal the second time around.
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Old 11-11-2018, 07:06 AM   #10
Confused about dryer sheets
 
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My lawyer wanted us to do a prenup when we did our wills etc.. We opted not . But so far our life is better than I could have hoped for . I do worry about the what ifís . His pension is good . I actually make more from a salary standpoint . Itís give and take
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Old 11-13-2018, 02:16 PM   #11
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Hi Firezone! I guessed you were in PA when you mentioned buying a place "down the shore" lol. Sounds like you're in a good place. Congrats!
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Old 11-13-2018, 02:36 PM   #12
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800 sq feet sounds perfect for 2. Easy to keep clean! Although we each have a home in Scal we are in a 650 square foot 1 bedroom rental up NCal for our jobs. We both really like our "tiny home". The kitchen is a challenge though,lol.
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Old 11-13-2018, 02:59 PM   #13
Confused about dryer sheets
 
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Hi Firezone! I guessed you were in PA when you mentioned buying a place "down the shore" lol. Sounds like you're in a good place. Congrats!


Lol I realized I gave it away when I said that
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