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Old 01-20-2010, 11:22 AM   #21
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When you retirees were working, how many of you had any freakin' idea what you'd be doing in 15 months, let alone in 15 years?
Me! Me! (waving my hand while remembering "Welcome Back, Kotter"). I knew what I'd be doing in 15 years (enjoying retirement). Back in 2000, when I first decided it would even be possible for me to retire ever, I decided that I would permanently retire in November, 2009. That was when I would first qualify for medical and though I had a backup date of July, 2010 just in case, I knew I would retire. Reach for the stars, and all that, y'know, so even though I had a net worth of less than $0, I decided to ER in November, 2009 come h*ll or high water.

BUT - - back in 2000 I didn't know what I'd be doing in the meantime. I didn't know that I would get the promotion and cash bonuses, or what responsibilities I would be taking on at work, that I would buy a house, or that Katrina would ravage New Orleans. In my own ridiculously determined (pig-headed?) way I knew I would keep my eye on the prize, ride the wave of life's ups and downs, and get to my goal somehow.
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Old 01-20-2010, 03:55 PM   #22
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Jan 1, 1993 - I was unemployed. I didn't know what ER was - let alone spell it. But luckily I had a bad attitude(sufficient portfolio as it turns out) and she did not want to leave our fish camp on Lake Ponchartrain.

The rest they say is history.

Now at 'regular retirement age' - aka 66 having had 16 yrs of practice I'm ready to step up to ?professional retirement?



heh heh heh - whatever that is
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Old 01-20-2010, 08:24 PM   #23
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We're not retired YET - we have two more years to go for FIRE at 55. We started saving/planning for early retirement at age 24. We're waiting for age 55 so that we can collect retiree medical. We can't wait to hang out together to travel at home or abroad or just do nothing except enjoy a lazy day.

Sometimes I think I should stop reading this forum cuz it makes me want to wish the next two years of our lives away - kind of a dumb thing to do.
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Old 01-20-2010, 08:55 PM   #24
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Sometimes I think I should stop reading this forum cuz it makes me want to wish the next two years of our lives away - kind of a dumb thing to do.
Me too. I wish I could have planned for retirement without thinking about it. I am very goal oriented and have been obsessive about retirement planning. I'm afraid I've been missing out on the present by my obsessive planning for the future.

-helen
3 years & 4 months to go...
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Old 01-20-2010, 09:13 PM   #25
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Me! Me! (waving my hand while remembering "Welcome Back, Kotter"). I knew what I'd be doing in 15 years (enjoying retirement). Back in 2000, when I first decided it would even be possible for me to retire ever, I decided that I would retire in November, 2009. .

2000 to 2009 is 15 years ?
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Old 01-20-2010, 10:03 PM   #26
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If I'd gone back in time to my 1987 self to explain that by 2002 I'd be retired in Hawaii and living with two hot chicks, I never would've believed me.

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Me! Me! (waving my hand while remembering "Welcome Back, Kotter").
I should try to find a DVD of that series. A few months ago I tried explaining "Horshack" to my daughter. I decided to start with something she'd be more likely to recognize, so that involved Vinnie Barbarino. That didn't translate very well across the decades, so then I tried to explain Kotter. But that meant I had to explain Groucho Marx, and I just gave up.
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Old 01-20-2010, 11:35 PM   #27
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Two things I would have done differently had I known what was going to happen later:

(1) I would have remained in my rental apartment for one more year (1989) because the real estate market dropped a lot from 1989-1990. I would have saved up more money and been able to afford a bigger apartment for the same money. My monthly maintenance would have been higher so I would have needed more to live on, which brings me to.....

(2) I would have diversified a smaller percent of my ESOP in the early years. This was back when we had the corporate scandals so I was afraid to have too much money in one company, my own, even though it and the ESOP were doing well. The diversified ESOP grew but at a much lower rate than the ESOP itself. I might have been able to retire earlier in 2008 and with more money.
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Old 01-21-2010, 12:18 AM   #28
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If I'd gone back in time to my 1987 self to explain that by 2002 I'd be retired in Hawaii and living with two hot chicks, I never would've believed me.

I should try to find a DVD of that series. A few months ago I tried explaining "Horshack" to my daughter. I decided to start with something she'd be more likely to recognize, so that involved Vinnie Barbarino. That didn't translate very well across the decades, so then I tried to explain Kotter. But that meant I had to explain Groucho Marx, and I just gave up.
I think you had to live back then to understand it! Kotter probably just seems weird to kids today. That show was great for the time, though the class wasn't too disciplined.

I loved the "Me!! Me!!!" (while waving hand wildly in the air) routine. I could relate to his enthusiasm.
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Old 01-24-2010, 02:01 AM   #29
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I think you had to live back then to understand it! Kotter probably just seems weird to kids today. That show was great for the time, though the class wasn't too disciplined.

I loved the "Me!! Me!!!" (while waving hand wildly in the air) routine. I could relate to his enthusiasm.
I didn't realise until many years later that the theme song was by John Sebastian. Can you say "Lovin Spoonful".
I thought that was a neat little fact.
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Old 01-24-2010, 01:24 PM   #30
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Me too. I wish I could have planned for retirement without thinking about it. I am very goal oriented and have been obsessive about retirement planning. I'm afraid I've been missing out on the present by my obsessive planning for the future.

-helen
3 years & 4 months to go...
Something we all have to guard against. There are all kinds of motivations here, what's right for one may not be right for another, none better or worse than another.
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Old 01-24-2010, 02:36 PM   #31
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A financially successful retirement = "I wish I had spent less time worrying about money"

A financially unsuccessful retirement = "I wish I had spent more time worrying about money"
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Old 01-24-2010, 04:07 PM   #32
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A financially successful retirement = "I wish I had spent less time worrying about money"

A financially unsuccessful retirement = "I wish I had spent more time worrying about money"
that just about sums it up
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Old 01-24-2010, 06:27 PM   #33
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1) Worry less about trying to beat the market
2) Buy less, rent more. While we didn't buy a home every time we had a work related move, we would have been better off renting most of the time.
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