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Old 07-18-2021, 03:03 PM   #41
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The graph looks depressing. I want to retire at 58. It looks like that I will be in the 17% category, which makes me feel strange. I want to be with the flow.
17%? I see 13% on that bar chart, but then see my first sig line...
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Old 07-18-2021, 03:11 PM   #42
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17%? I see 13% on that bar chart, but then see my first sig line...
1% + 3% + 13% = 17%.
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Any 3%ers out there?
Old 07-18-2021, 03:13 PM   #43
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Any 3%ers out there?

Left at 54, so did DW. However, we’re both earning a little part time income doing stuff we like. Neither of us are ever going back to an office, though.
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Old 07-18-2021, 03:21 PM   #44
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I was 52 (but FI at 32). Redundant after the company was acquired. Thought it'd be easy to get another job considering my contacts, reputation in the industry and resume. Five years prior, I was getting about 6-8 calls a year with serious offers.

While my very public payout didn't help, everywhere I went I got the unspoken: "An old rich guy who just wants to take clients golfing every day and do little more" which wasn't true but enough to set me into RE...thankfully!! Ageism is alive.
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Old 07-18-2021, 03:22 PM   #45
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Had to stop working at 38 because of health issues. Had some investments but leaned on my disability pension for my first years. Discovered this forum eventually. Then my investments really took off and now I really don't need my pension.
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Old 07-18-2021, 03:30 PM   #46
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DH was 53 and I was 54 Nov 2020. Never going back despite dear mother nagging me occasionally to go back. She’s 80 retired at 50 ��*♀️
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Old 07-18-2021, 04:26 PM   #47
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DH was 53 and I was 54 Nov 2020. Never going back despite dear mother nagging me occasionally to go back. She’s 80 retired at 50 ��*♀️
She should understand then.
My father was quite proud that I was able to find a Plan B after not being able to find work.
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Old 07-18-2021, 04:40 PM   #48
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Out at 52. Plan was 55, but the market did better than my plan predictions AND work became less pleasant... Didn't see the point of staying around.

The only 3% I associate with is that is my ideal withdrawal rate.
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Old 07-18-2021, 07:12 PM   #49
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Yes, I retired at 54 and don't plan to work again. Am now 61.
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Old 07-18-2021, 07:59 PM   #50
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Started collecting my pension at age 50 from my career job as an engineer. Moved over to a retirement career working for a CPA firm as a seasonal tax preparer (3 months per year) for 17 years. Now do tax returns as a VITA volunteer.
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Old 07-18-2021, 08:03 PM   #51
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Not before, but waited until I was 54 which is in the 3%. That was important as within that calendar year I turned 55 which gave me more options with my 401k for withdrawals.
Same as my timing. 54, year I turned 55. Didn't end up needing the ability to pull early without penalty, but it was a good excuse.
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Old 07-18-2021, 08:44 PM   #52
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I don't qualify. I took a year off at 54 thinking I might not go back to work (IT), but ended up going back for a couple of years before I was sure. I still got out a month before turning 57.
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Old 07-18-2021, 08:51 PM   #53
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Congrats to you all !

I worked till age 61 and truth be told, I am abit envious of yawl going at such young ages !

Well done !

Having said that, I'm grateful to be retired - even if later in life.
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Old 07-18-2021, 09:22 PM   #54
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I retired at 52, DH retired at 45.
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Old 07-18-2021, 09:31 PM   #55
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Retired at 54 1/2. Am I a 3 1/2 %er?
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Old 07-18-2021, 10:43 PM   #56
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1%'er. I called it an Early E-R. Have passed year 19 without even noticing. My original sig line years ago here was "I shall work no more forever". Apologies to Chief Joseph of the Nez Perce for my modification of his phrase. His phrase marked the sad end of his civilization. My phrase marked the glad end of my uncivilization.
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Old 07-19-2021, 03:29 AM   #57
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Not before, but waited until I was 54 which is in the 3%. That was important as within that calendar year I turned 55 which gave me more options with my 401k for withdrawals.
Not quite there yet for me, but this is my thinking/plan. Out in early 2023 at age 54 (but I turn 55 late that year). 2022 will be PT work (4-day work week). Heading to the off-ramp...
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Old 07-19-2021, 04:21 AM   #58
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17%er, perhaps ~10%. Was good enough for me.
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Old 07-19-2021, 04:47 AM   #59
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Yes - 51st Birthday !!
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Old 07-19-2021, 04:49 AM   #60
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She should understand then.
My father was quite proud that I was able to find a Plan B after not being able to find work.
She should understand but she has either forgotten or ?? I haven’t figured out her motivation yet.

Sigh
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