We bailed out just over a year ago and we are moderately confident financially, but extremely confident in all other areas. On the financial side, I feel our SWR rate, at least until the start of SS, is somewhat high in light of the current "low yield" environment. I'm especially concerned about a poor early sequence of returns which would cause some lifestyle cutbacks (non-critical) and more worry.
I've done much hand-wringing about SWR, but in a sense the decision to leave was easy since I absolutely hated my job and realized years ago that I'm just through hustling for w*rk. Over the past several years, I grew disinterested in career advancement and training. I hated the thought of having to look for another job. Even when reading about retirement, I avoid anything even hinting about w*rking, even part time. I just want to go outside and play all day...
I continue to read about retirement challenges and just came across the concept that a typical retirement is divided into the "go-go", "slow-go", and "no-go" years. The "go-go" period is what we, and probably most others, what to maximize, the time for travel and lots physical activity. The "slow-go" is more of "sit, eat, and talk", the time for less independent bus tour-type travel. Not many look forward to the self-explanatory no-go years; hopefully the they will be very brief.
Well, I recently realized that we have more than enough to fully enjoy the "go-go" and many/most of the slow-go years, short of an a armageddon health or economic scenario. This is good enough for us since we are tired, literally and physically, of w*rking our tails off doing what someone else wants. It's finally time to start living fully our dreams while we are healthy enough to enjoy them. Just over a year out, retirement gets better with each passing day!
FB
