Someone above wrote:
I went out at 52 and would advise anyone with the means to retire, to do so as soon as possible. If I die tomorrow, I've had a great retirement and thank my lucky stars I was able to do what I did.
This is what I am starting to agree with, you never know when you'll have to stop your favorite thing or stop checking off the physical section of your bucket list, so I'd say to all the forum members under 55 DO IT NOW.
From my observations here at 64, at the late 50's point physical issues happen to men either slow, fast or permanent (sudden croaking). If NOTHING has happened to slow you down, or prevent you doing your hobbies in your 70's, then you are an Outlier! Lucky genes, no sports accidents while young, etc. When we go out with other couples I sometimes have to say, "OK guys! Let's stop talking about our medical conditions, alright? We're starting to sound like Old People!"
Slow: Such as my shoulders starting to ache over a few years and figuring out rehab, meds, supplements, surgery etc. won't help. So equipment goes on Ebay, CL or Salvation Army.
Fast: Something pops or breaks that would not have under the same circumstances 5-20 years earlier. Who knows why? Just a brittleness sets in I suppose? Tendons and ligaments get tight? Accidents from lack of balance, such as the Old Ladder Fall, that would not have happened ten years earlier change everything in an instant. I now am a lot more cautious on ice here in WI, I know if I start to slip I can't recover like I used to, and I am in good shape.
So then the Permanent: I mentioned how at the 40th HS reunion a lot of guys were dead but my morbid curiosity was, "How many were natural causes?" And I started this thread yesterday morning because I had an afternoon appt with the cardiologist, so the last few days I was dwelling on the thread's subject title because I have some heart issues. Fortunately I got away with: "Cut down to one drink per day and exercise 30 minutes a day 4X a week". But I digress again...
The Permanent. These forum brethren under say 55, they don't yet know that around the 60th bday mark, you get a LOT more notices of funerals and wakes you have to attend or at least your wife sends you to the store for a condolence card, at least we did. Just like when they were in their late 20's, early 30's they'd get a lot of wedding invitations. We get, "Did you hear what happened to X?" Around 60 you start to notice guys you know either getting The Grabber or gossip starts about so-and-so coming down with something terminally scary and you say to each other (assuming you're married), "Wow, he looked so great the other week."
So in sum, although at any age your number may be up, a bus with your name, meteor hits you, the problem with hitting 60 is when I look around it feels like a marathon where other participants are dropping off, and I think maybe I'm fortunate and I have to MAXIMIZE what time I have left, at least the physical stuff like scuba, kayak, skiing, etc., but certain parts of my body are saying, "Hey man, it's too late for this, OK?" I always wanted to take piloting lessons and figured it be perfect for retirement but I now realize, if I don't know where I parked my car in the shopping center parking lot, should I be analyzing a Cessna's dashboard at 5000'?
Sidebar: Finished a great non-fiction book, fantastic writer: A Thousand Naked Strangers by Kevin Hazzard. It's about a man working on an ambulance for a few years. The take away was how so many guys, otherwise healthy, over 60, he finds in situations where they suddenly...poof! Got me thinking....
In final summation, although the wife wants to go 1 or 2 more years to max her pension and me get to Medicare and collect SS, I am now cruising my business on auto pilot working 1 or 2 days a week. Making more money at today's returns, why bother killing myself? No pun intended. I visit this forum once a week or so trying to figure out how others wring a little more return out of their nest egg and it's now so negligible, if I only have "a few" good years left, meaning the ones where I can have FUN, then why bother working more to put more money away?
Sorry for my existential rant. Really enjoyed reading what others in their late 50's to mid 60's are experiencing. Thanks