papadad111
Thinks s/he gets paid by the post
- Joined
- Oct 4, 2007
- Messages
- 1,135
I have been reading the fire and money forum for years and was cruising through a long thread on social security claiming and such.
It dawned on me that this board is really not targeted at general "old" retirees but rather is an EARLY retire board and for those who are trying to retire or are retired .....early.
I thought ... Hitting social security, while a good milestone and part of ones overall fire strategy, is not so relevant to an early retiree say someone in their 40s or early 50s.
That got me thinking that this early retirement forum might be well served to have an age based area or categorization for common topics and a chance to intermix with similar "stage" of early retirees. example (making this up as I type)
30's and 40's. targets early early retirement. Those with kids at home. Maybe little kids. College and retirement savings. These are the two decades til SS or more crowd -- probably don't have traditional pensions. Maybe early out military Etc. Probably includes some money mustache types. ACA and other strategies to bridge til 59.5 IRA access. Even drawdown strategies are different based on this younger age and likely long long retirement time horizon.
50s. Those that are still in the grind but aspiring to get out around a decade before the non-planners. They are dealing with empty nest. Downsizing house. Maybe a mix of pension and non pension. Making catch up contributions. Doing their Roth conversions while time is on their side. . Starting to take IRA money.
60's...ok. Few are early retirees. Talk about claiming your SS, changes in file and suspend, Medicare. Perhaps many don't even belong on an "early retiree" board. They're pretty much run of the mill retirees. Those that got out early will discuss their "in my Xth year of retirement".
Seems there are some relevant topics by retiree "generation". Would be fun to have a place where like ages can post relevant topics and keep those topics organized --- while I respect my elders, I also think hanging out with similar age ( and thus similar issue) members would be interesting.
I always go back and try to recall who is who and how old they are etc when trying to understand their perspective when they respond to a post. It's very clear that age and generation combined with their own personal point in retirement strongly influences the perspectives and mental models they carry. Me included ...
So the question- can the forum have age or generational topics -- or even just social channel to meet those more "like me" so to speak
Also helpful to know if there are any "younger" mods. -- 30s or 40s for example- to help guide the evolution of the forums. I find this particular demographic generally under served in retirement discussions across the web - presumably because the numbers are relatively low by comparison ...
How to propose to the forum an add/ a change ? Thoughts?
It dawned on me that this board is really not targeted at general "old" retirees but rather is an EARLY retire board and for those who are trying to retire or are retired .....early.
I thought ... Hitting social security, while a good milestone and part of ones overall fire strategy, is not so relevant to an early retiree say someone in their 40s or early 50s.
That got me thinking that this early retirement forum might be well served to have an age based area or categorization for common topics and a chance to intermix with similar "stage" of early retirees. example (making this up as I type)
30's and 40's. targets early early retirement. Those with kids at home. Maybe little kids. College and retirement savings. These are the two decades til SS or more crowd -- probably don't have traditional pensions. Maybe early out military Etc. Probably includes some money mustache types. ACA and other strategies to bridge til 59.5 IRA access. Even drawdown strategies are different based on this younger age and likely long long retirement time horizon.
50s. Those that are still in the grind but aspiring to get out around a decade before the non-planners. They are dealing with empty nest. Downsizing house. Maybe a mix of pension and non pension. Making catch up contributions. Doing their Roth conversions while time is on their side. . Starting to take IRA money.
60's...ok. Few are early retirees. Talk about claiming your SS, changes in file and suspend, Medicare. Perhaps many don't even belong on an "early retiree" board. They're pretty much run of the mill retirees. Those that got out early will discuss their "in my Xth year of retirement".
Seems there are some relevant topics by retiree "generation". Would be fun to have a place where like ages can post relevant topics and keep those topics organized --- while I respect my elders, I also think hanging out with similar age ( and thus similar issue) members would be interesting.
I always go back and try to recall who is who and how old they are etc when trying to understand their perspective when they respond to a post. It's very clear that age and generation combined with their own personal point in retirement strongly influences the perspectives and mental models they carry. Me included ...
So the question- can the forum have age or generational topics -- or even just social channel to meet those more "like me" so to speak
Also helpful to know if there are any "younger" mods. -- 30s or 40s for example- to help guide the evolution of the forums. I find this particular demographic generally under served in retirement discussions across the web - presumably because the numbers are relatively low by comparison ...
How to propose to the forum an add/ a change ? Thoughts?
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