Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 09-05-2012, 10:05 PM   #21
Thinks s/he gets paid by the post
 
Join Date: Nov 2009
Posts: 3,871
Retired nearly 4 years. I was working only 2 days a week before I ERed so it was not a big change to my daily lifestyle. The only surprise in those 4 years was the huge increase in the premiums of the original HI policy I bought in 2009. The premium went up 20% in 2010 and 25% more in 2011, for a 50% total increase compared to 2009. At that rate of increase, I'd be paying $10k a month by the time I turned 60! So I switched to a much less broad policy and cut my premiums until I can get one of those policies through the PPACA exchanges.
__________________

__________________
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.

"I want my money working for me instead of me working for my money!"
scrabbler1 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 09-05-2012, 11:00 PM   #22
Thinks s/he gets paid by the post
 
Join Date: Feb 2007
Posts: 1,905
I guess the biggest surprise is the increase in libido. I just didn't realize to what extent work and stress interfere with that aspect of one's life. I retired at 52, 62 now and its getting better all the time.
__________________

__________________
ejman is offline   Reply With Quote
Old 09-06-2012, 01:20 AM   #23
Thinks s/he gets paid by the post
 
Join Date: Apr 2007
Posts: 1,304
Retired July 2007, biggest surprise was how stressed I was w*rking and did not realize until I FIREd. Nicest surprise is that it just gets better every day.
__________________
Life is GREAT!
megacorp-firee is offline   Reply With Quote
Old 09-06-2012, 04:50 AM   #24
Full time employment: Posting here.
Moscyn's Avatar
 
Join Date: Mar 2009
Posts: 728
Biggest surprise - I managed to lose weight on my own! When I was working. I recall paying a sum of money to a slimming agency to do the magic which did not work. JUst exercise, good nutrition and home cooking does it perfectly. Have kept my weight loss for 6 months now and am confident I can maintain that loss.
__________________
Moscyn is offline   Reply With Quote
Old 09-06-2012, 12:00 PM   #25
Thinks s/he gets paid by the post
 
Join Date: Feb 2007
Posts: 2,424
DH is the retired one here. The positive surprises have been how he hasn't gotten bored. He's learned to putter and play. He's stuck to a nice exercise routine that he enjoys. He thought he'd miss all his people interactions but finds he's liking not having them.

Income vs expenses has worked out better than expected. He still runs out of his monthly pocket money but that's just part of who he is and I doubt that will change. Ever.

On the negative side is the issue of health insurance. I've posted about this before. It's subsidized coverage through his pension plan and they are making changes that will cost us an additional $400/month in 2013 (no option for low cost/high deductible, we will all have to be on the high cost/low deductible plan) and then in 2014 they will no longer offer any coverage for spouses. We knew the plan could change and that it would probably cost more every year but we could not have forseen these drastic changes.

We are both still very happy that he's retired.
__________________
Married, both 62. DH retired June, 2010. I have a pleasant little part time job.
Sue J is offline   Reply With Quote
Old 09-06-2012, 12:05 PM   #26
Recycles dryer sheets
 
Join Date: Dec 2011
Location: Chicago area
Posts: 427
Fantastic thread!
__________________
AnIntentionalRoad is offline   Reply With Quote
Old 09-06-2012, 12:11 PM   #27
Moderator Emeritus
 
Join Date: May 2007
Posts: 11,044
Retired 25 months. My biggest surprised has been how fast days go by in retirement! When I was working, the days and weeks seemed to drag on and on... Now, I barely have enough hours in a day and days in a week to do, well you know, "nothing"!
__________________
FIREd is offline   Reply With Quote
Old 09-06-2012, 12:30 PM   #28
Thinks s/he gets paid by the post
grasshopper's Avatar
 
Join Date: Oct 2010
Posts: 1,671
Quote:
Originally Posted by FIREd View Post
Retired 25 months. My biggest surprised has been how fast days go by in retirement! When I was working, the days and weeks seemed to drag on and on... Now, I barely have enough hours in a day and days in a week to do, well you know, "nothing"!
I like how you encourage us do some math to keep our minds sharp.

Ms G retired 6 months before me, I have been retired for 2430 days. If we both left the train station in opposite directions who would get home first.
__________________
For me experiences are not good or bad, just different
grasshopper is offline   Reply With Quote
Old 09-06-2012, 12:43 PM   #29
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jul 2003
Location: Kansas City
Posts: 7,409
Layed off at age 49 (the plan was retirement at 63) - it took a while to make the mental shift from unemployed slacker to high class ER.

19 years and counting.

heh heh heh - this forum helped with my er mental development.
__________________
unclemick is offline   Reply With Quote
Old 09-06-2012, 01:10 PM   #30
Moderator Emeritus
 
Join Date: May 2007
Posts: 11,044
Quote:
Originally Posted by grasshopper View Post
I like how you encourage us do some math to keep our minds sharp.

Ms G retired 6 months before me, I have been retired for 2430 days. If we both left the train station in opposite directions who would get home first.
Ah yes, numbers is hard.
__________________
FIREd is offline   Reply With Quote
Old 09-06-2012, 01:23 PM   #31
Thinks s/he gets paid by the post
Major Tom's Avatar
 
Join Date: Nov 2009
Location: SF East Bay
Posts: 3,129
No surprises really. Unlike most others here, I didn't actually have a definitive beginning of retirement. I was laid off, spent 2 years on unemployment during which time it slowly began dawning on me that, gee - maybe I didn't need to go back to work after all? I've been living off my savings and investments for a year and a half now and it looks like this state of affairs will continue. I don't think of myself as retired - more like "semi-retired" or simply "a guy who doesn't work".

Anyway, I am an INTJ. My strong introversion means that seeing my SO once or twice a week is enough for me - that, and having a kitty around the place full-time. My main hobby is one that I pursue at home on my own, and it keeps me happy and engaged.

No big surprises but like others have said, I do wonder at how I was so committed to working for about 25 years. I also wonder at how it doesn't take much to fill up a day. By the time I've had breakfast, fed the kitty, checked e-mails etc and started on the main "task" of the day, the morning's half over and I'm already wondering what I'll have for a mid-morning snack, or lunch!

I have spent the majority of the last few years in my pajamas, but have recently started putting pants on some mornings. Well, you gotta make an effort
__________________
ER, for all intents and purposes. Part-time income <5% of annual expenditure.
Major Tom is offline   Reply With Quote
Old 09-06-2012, 03:22 PM   #32
Recycles dryer sheets
Tree-dweller's Avatar
 
Join Date: Jul 2011
Posts: 348
Still on my honeymoon with retirement at 9 months in. My biggest revelation was just how lazy I could be. I can be completely satisfied rising later (ie 7:30), reading the paper over several cups of coffee, browsing more news and sports online, doing the housework (DW still goes to w*rk), taking the mutt for a walk... You get the picture. Sure, I've got a bunch of handyman chores I try to get to when I think of them, but there's always tomorrow. I honestly feel a twinge of guilt when DW gets home and asks "What did you do today". Like I suspect the vast majority of the members of this forum, I have had one job or another since mid-teens, so I guess I have been deluding myself all those years. Turns out I am perfectly content not being gainfully employed.
__________________
"The future's uncertain, and the end is always near. Let it roll, baby, roll." - The Doors
Tree-dweller is offline   Reply With Quote
Old 09-06-2012, 07:29 PM   #33
Recycles dryer sheets
JmfromTx's Avatar
 
Join Date: Nov 2010
Location: Houston/Galveston area
Posts: 163
Two things I like much more than I thought I would, 18 months in. Sleeping until I wake up naturally, which is usually at day break. And the pure perverse pleasure I get at spending money without having to go to work. One thing that I don't like that also surprises me is how fast time is passing now. The weeks and months are zipping by so fast I can't keep up with what day it is half the time.
__________________
Retired 3/1/2011
JmfromTx is offline   Reply With Quote
Old 09-06-2012, 08:49 PM   #34
Moderator
MBAustin's Avatar
 
Join Date: Jul 2010
Posts: 4,162
My biggest surprise is realizing how insanely busy my life was for the 10 years before I REd. I just thought it was "normal" at the time. I have plenty to fill my days now and a list of to-dos if I get bored. And I love using my well-honed management skills in volunteer roles as well as a little consulting on the side.

Bottom line - the flexibility to do what I think is most important at any given time is priceless.
__________________
"One of the funny things about the stock market is that every time one person buys, another sells, and both think they are astute." William Feather
----------------------------------
ER'd Oct. 2010 at 53. Life is good.
MBAustin is offline   Reply With Quote
Old 09-06-2012, 11:38 PM   #35
Full time employment: Posting here.
martyp's Avatar
 
Join Date: Sep 2010
Location: Bangkok
Posts: 963
Afternoon naps. Never did them. Never liked them. Went through every day with 6 hrs sleep. Now . . . a nap after lunch or around 4pm is the easiest thing in the world. Big surprise for me.
__________________
martyp is offline   Reply With Quote
Old 09-07-2012, 12:12 AM   #36
Dryer sheet wannabe
 
Join Date: Aug 2012
Location: San Antonio
Posts: 11
My watch broke about a month before I retired. I never replaced it. That was over 10 years ago. I was always on the clock. My mother always said "If you are on time, you are late!" It has taken me many years to get that fear of being late partially out of my system. In retirement, I try to live unstructured days as much as possible. Sleep till I wake up now. I never bought a cell phone as I know that was a responsibility trap I didn't want to fall into. If someone wants to talk to me, they can call me on the home phone and the answering machine will get it. If I know who calls and want to talk to them, I will call them back. To this day, we only have a pay as you go phone for traveling.

Positive: We are saving money in retirement. Quite a bit of money and I am no financial planner. Extremely conservative (a bird in the hand is worth two in th bush) to maximize security. My wife then my dogs are my best buddies. Without a wonderful wife, retirement wouldn't be worth it. My dogs bring joy to every day.

Negative: Although my day to day life is quite unstressed, I find that I put pressure on myself to get projects done. The wife and I both had extremely stressful jobs and we still have dreams about the most stressful job situations like we were suddenly placed back in the old job and not qualified anymore to do the things we used to do.

I still remember the first day of retirement. It was the best day of my life as I felt a sense of freedom like nothing mattered anymore. At one point on that day, I drove down the road and just stopped at places I had never even considered going on a whim.
__________________
WWDog is offline   Reply With Quote
Old 09-07-2012, 10:40 AM   #37
Recycles dryer sheets
BOBOT's Avatar
 
Join Date: Aug 2006
Posts: 415
Just realized, after 5.5 yrs fired, that I still like Fridays and don't like Mondays.

Strange.
__________________
I still don't get it...
BOBOT is offline   Reply With Quote
Old 09-07-2012, 11:16 AM   #38
Recycles dryer sheets
ICNTR's Avatar
 
Join Date: Jul 2012
Posts: 79
I love Mondays! We live in an area that also attracts tourists though. They start showing up on thurs or Friday. Fun to see them packing up on Sunday. By Monday we have our Neighborhood back. It is much less crowded for us locals during the week. Don't get me wrong. I like the tourists too and it is good for our area. Just a littler nicer and easier to venture out during the week.

Very surprising that Fri is now a "bad day" while Monday is the best!
__________________
ICNTR is offline   Reply With Quote
Old 09-07-2012, 12:15 PM   #39
Full time employment: Posting here.
Tyro's Avatar
 
Join Date: Aug 2012
Location: Upstate
Posts: 699
The biggest surprise to us is that we're busier now than we were before retirement.
__________________
Tyro is offline   Reply With Quote
Old 09-07-2012, 03:00 PM   #40
Confused about dryer sheets
 
Join Date: Sep 2012
Posts: 1
Biggest surprise is mom wanting to move in with us. Never particularly had a close relationship and i believe living 14 hours away has been a good thing. Still she is a widow and I feel an obligation to watch out for her. We compromised by agreeing that she should buy a house in my neighborhood once she sells her house up north.

Other than that the biggest surprise is my lack of ambition. Thought I would volunteer or find a part time paying job just to keep busy. Although I am occasionally bored, I am very reluctant to obligate my time on an ongoing basis. I love the ability to take off on a moments notice or do nothing at all for days on end.
__________________

__________________
Southerngirl is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


 

 
All times are GMT -6. The time now is 12:48 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.