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papadad111 12-31-2015 05:57 AM

Forum topics by age.
 
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?

marko 12-31-2015 06:30 AM

From my own perspective, I like the idea of having the ages all brought together under one roof. The forum is about RE at any age.

I'd hate to have a young'un miss an insight just because he/she bypassed it due to an 'older person's thread' tag.

I also find the questions and issues of a 20, 30 or 40 y.o. interesting; sometimes just one sentence or comment is another learning experience on what people are thinking. Personally I'm fascinated by the motivation of a 28 yo who's wants to RE

I know you're not suggesting to keep the ages excluded from each other (like a nursing home!!) but to just have a special channel, but FWIW I think there's great value in uncategorized access.

The topic subject line is often enough for me to join or stay away from the conversation and I find that a decent filter.

Just my opinion.

pb4uski 12-31-2015 06:39 AM

+1 I think there is a lot of value of intergenerational dialogue. I'm afraid that I might tend to focus on my own age group and not get the wisdom of those younger or older.

Besides, imoldernu would be lonely. ;D

papadad111 12-31-2015 06:43 AM

Fully agree reference never want to be exclusionary - or segregating. all points about good nuggets of wisdom from across the populace are valid indeed.

Think of it more as a "social space" to allow for targeted discussions among similar-aged or similar retirement-stage forum participants.

REWahoo 12-31-2015 06:49 AM

Quote:

Originally Posted by papadad111 (Post 1675520)
Fully agree reference never want to be exclusionary - or segregating. all points about good nuggets of wisdom from across the populace are valid indeed.

Think of it more as a "social space" to allow for targeted discussions among similar-aged or similar retirement-stage forum participants.

That's been in place for almost a decade. See the Young Dreamers forum: "Still have quite a few years before you can retire? Issues related to that can go here, but you're welcome anywhere on the forum!"

Not sure how creating more stratified age categories would be of much value since anyone can be whatever age they want on the internet.

Sarah in SC 12-31-2015 06:50 AM

Wait, you want the mods to confess their ages?

Hmmmm..........

:)

steelyman 12-31-2015 06:51 AM

It's an interesting idea but, corny as it sounds, age is a lot about attitude. So keeping it mixed is good, I think.

There have been some posts by younger people who seem to have been hit by early-onset curmudgeon syndrome, as well as from very cool older people who stay young somehow.

braumeister 12-31-2015 07:32 AM

There is also the "aging in place" issue. A lot of us retired early (however you want to define that) but have enjoyed the conversations enough to stick around for years. Quite a few years in some cases. I thoroughly enjoy that, just as I enjoy talking with good friends who are either much younger or much older than I am.

pb4uski 12-31-2015 07:41 AM

Quote:

Originally Posted by Sarah in SC (Post 1675522)
Wait, you want the mods to confess their ages?

Hmmmm..........

:)

No, just one mod in SC. ;D

splitwdw 12-31-2015 07:53 AM

If you are in your 20's & 30's looking for advice, wouldn't you want your question answered by someone whose been there and not one of your peers. Not to say that "age" is/has the answer. I learn from everyone here regardless of age. Speaking of age, where is Imoldernu?

Amethyst 12-31-2015 07:56 AM

And what about us mixed-generation marriage people, where the spouses retired in different centuries? Were you going to have a special forum just for me? LOL

REWahoo 12-31-2015 08:23 AM

Quote:

Originally Posted by braumeister (Post 1675528)
There is also the "aging in place" issue. A lot of us retired early (however you want to define that) but have enjoyed the conversations enough to stick around for years. Quite a few years in some cases.

Yep. :)

Meadbh 12-31-2015 08:27 AM

If you start dividing the forum by age, you might as well divide it by gender, too. Then by nationality, race, religion or any number of characteristics.

I'm joking, of course. Most of us come hear to learn from and exchange information and opinions with a diverse group of people. Else, how can we learn?

For those seeking an affinity group within the forum, there is the option to add buddies. And one can always send a PM.

ExFlyBoy5 12-31-2015 08:56 AM

I don't think it would be useful. I don't (and sometimes can't) place an age on the posters here. As a matter of fact, the page defaults to "new posts" for me so I don't even look at the categories. If the thread has a topic that looks interesting, I will open it up. Most of the "age specific" threads (such as medicare supplement pricing today) are easy to spot, and if it doesn't apply to me, then I don't look at it. Plus, I think that it's wise to get inputs on many of the topics from people that are of all ages and circumstances. I am retired and drawing a pension, so a lot of people would *assume* that I am in my 60s, and not 20 years younger.

rodi 12-31-2015 09:57 AM

Ugh. I hate this idea.

My husband is in the older category - collecting SS.

I'm in my 50's and recently retired. I handle the household investing and money stuff - so I'm paying close attention to stuff like medicare signups - since that's only a year out for us.

I have teenage kids - so topics about how to save for college are legit for me and I have opinions to offer and am always seeking input from others.

Young dreamers provides a forum for those who are earlier on the path. Life after Fire provides a forum for those who've obtained retirement. Why do we need more than this?

MichaelB 12-31-2015 10:13 AM

Quote:

Originally Posted by Sarah in SC (Post 1675522)
Wait, you want the mods to confess their ages?

Hmmmm..........

:)

No fair! I read the rules and there's nothing that requires me to be age 21 or older!

Janet H 12-31-2015 10:19 AM

Quote:

Originally Posted by Sarah in SC (Post 1675522)
Wait, you want the mods to confess their ages?

Hmmmm..........

:)

Quote:

Originally Posted by MichaelB (Post 1675591)
No fair! I read the rules and there's nothing that requires me to be age 21 or older!


I am in favor of transparency. I am 29 ;D

:nonono:

NW-Bound 12-31-2015 10:22 AM

Quote:

Originally Posted by pb4uski (Post 1675517)
+1 I think there is a lot of value of intergenerational dialogue. I'm afraid that I might tend to focus on my own age group and not get the wisdom of those younger or older.

Besides, imoldernu would be lonely. ;D

imoldernu was already lonely, and appeared to move to elsewhere.

And about the age of the mods, I know there are geezers and geezerettes, but also some babes. ;)

H2ODude 12-31-2015 11:10 AM

Funny, I was just wondering the other day whatever happened to Imoldernu. Used to be quite active, hope he's still well.

Sarah in SC 12-31-2015 11:28 AM

Quote:

Originally Posted by Janet H (Post 1675595)
I am in favor of transparency. I am 29 ;D



:nonono:


Some of our mods have pants older than that!

braumeister 12-31-2015 11:33 AM

I've followed Jack Benny's example and quit counting at 39.

Next year I will celebrate the 31st anniversary of my 39th birthday.
:coolsmiley:

papadad111 12-31-2015 12:00 PM

Forum topics by age.
 
Quote:

Originally Posted by REWahoo (Post 1675521)
That's been in place for almost a decade. See the Young Dreamers forum: "Still have quite a few years before you can retire? Issues related to that can go here, but you're welcome anywhere on the forum!"



Not sure how creating more stratified age categories would be of much value since anyone can be whatever age they want on the internet.


Sadly the dreamers section is just that. Mostly just Dreaming... Few doing ...

Sorry to see so many skeptics not up for trying something new targeted to similar aged early retirees.

Honestly in my mid 40s, I share very little FIRE lifestyle-wise with those in their late 50s and 60s.... Night and day differences on what keeps us up at night too.

But by others comments , I guess the populace has voted !!

papadad111 12-31-2015 12:04 PM

Quote:

Originally Posted by braumeister (Post 1675633)
I've followed Jack Benny's example and quit counting at 39.



Next year I will celebrate the 31st anniversary of my 39th birthday.

:coolsmiley:


Case in point. Who the hell was Jack Benny...

It's a generational thing ...

papadad111 12-31-2015 12:23 PM

Quote:

Originally Posted by Meadbh (Post 1675555)
If you start dividing the forum by age, you might as well divide it by gender, too. Then by nationality, race, religion or any number of characteristics.

I'm joking, of course. Most of us come hear to learn from and exchange information and opinions with a diverse group of people. Else, how can we learn?

For those seeking an affinity group within the forum, there is the option to add buddies. And one can always send a PM.


I did not mean to suggest dividing the forum entirely by age as u quickly figured out.

The suggestion is to have areas that are targeted and welcoming specifically to age or like retirement stage people.. Affinity is a good term.
I like to meet other 40 somethings who are fired ... Not many of us and the situations and solutions are often unique compared to a 60 year old 2 or 3 years out from social security a pension or both ...


Put another way: I find those retiring in 30s and 40s to be way more interesting. Often their stories are met with healthy inspiration and some awe.

Contrasting that - Retiring in 60s is pretty much average and normal not at all uncommon and pretty much unspectacular in that it's a "usual" Path. And with 10000 boomers retiring every day it's just a lot of normal old people retiring on schedule. By that point few of those doing it "early".

Dryer sheets or not... This is ER.org right ? And E stands for early, correct ?

Peace out !

FUEGO 12-31-2015 12:58 PM

So you want a young and FIREd forum? There is a similar forum at Mr Money Mustache, though I don't think "young" is in the title, but most of the posters who have FIREd are the very early (30's and 40's) retirees.

aja8888 12-31-2015 01:00 PM

Quote:

Originally Posted by splitwdw (Post 1675535)
I learn from everyone here regardless of age. Speaking of age, where is Imoldernu?

He is posting on the Skeptics Society and Debate Politics forums. He also has a Twitter account and following (I am not a Twitter member). He's around, but not here at the moment.

aja8888 12-31-2015 01:01 PM

Quote:

Originally Posted by papadad111 (Post 1675655)
Case in point. Who the hell was Jack Benny...

It's a generational thing ...

Jack who? ???

rodi 12-31-2015 02:55 PM

Papadad - there are several (that I can think of) members here who are in their 40's and retired. Why don't you start a thread in the Life After Fire forum and start a conversation.

I don't think we need to redivide/subdivide the er.org site...

And don't be surprised if folks not in your preferred demographic respond... that's how it works here. :)

DrRoy 12-31-2015 02:59 PM

While I like to get input from those in my similar situation, including age, I know that valued input can be from lots of ages for lots of ages.

Calico 12-31-2015 03:12 PM

Quote:

Originally Posted by papadad111 (Post 1675667)
....
I like to meet other 40 somethings who are fied ... Not many of us and the situations and solutions are often unique compared to a 60 year old 2 or 3 years out from social security a pension or both ...

Put another way: I find those retiring in 30s and 40s to be way more interesting. Often their stories are met with healthy inspiration and some awe.

Contrasting that - Retiring in 60s is pretty much average and normal not at all uncommon and pretty much unspectacular in that it's a "usual" Path. And with 10000 boomers retiring every day it's just a lot of normal old people retiring on schedule. By that point few of those doing it "early".....

Wow. :facepalm:

You can always start a thread entitled "Want to meet other FIREs aged 40-ish" if you want.

As for the third comment bolded above, I will be retiring in my early 60's, and there is absolutely nothing "common" or "normal" about the path I have had to follow to reach that goal. I will consider my own retirement to be a pretty damn spectacular event in my life when I reach it, thank you very much.

Now I am going to end this post, before I write something that (justifiably) gets me kicked off the thread. >:(

Calico 12-31-2015 03:18 PM

Quote:

Originally Posted by aja8888 (Post 1675685)
He is posting on the Skeptics Society and Debate Politics forums. He also has a Twitter account and following (I am not a Twitter member). He's around, but not here at the moment.

I believe he is also spending some time on another retirement forum. I saw a post from him there a few weeks back.

Walt34 12-31-2015 03:19 PM

Quote:

Originally Posted by papadad111 (Post 1675667)
Put another way: I find those retiring in 30s and 40s to be way more interesting. Often their stories are met with healthy inspiration and some awe.

Contrasting that - Retiring in 60s is pretty much average and normal not at all uncommon and pretty much unspectacular in that it's a "usual" Path. And with 10000 boomers retiring every day it's just a lot of normal old people retiring on schedule. By that point few of those doing it "early".

And time will catch up with early retirees eventually. While I retired at age 52, I'm now 65, so I don't really stick out as an "early retiree" anymore.

Calico 12-31-2015 03:23 PM

Quote:

Originally Posted by Walt34 (Post 1675763)
And time will catch up with early retirees eventually. While I retired at age 52, I'm now 65, so I don't really stick out as an "early retiree" anymore.

Yup. Time has a funny way of catching up with everyone (if they're lucky) - even those who think they are extremely special, and far more interesting than all the people who came before them. ;D

Corporateburnout 12-31-2015 03:32 PM

Quote:

Originally Posted by Calico (Post 1675762)
I believe he is also spending some time on another retirement forum. I saw a post from him there a few weeks back.

How can someone find the time to contribute to three forums? One is more than enough for me unless I sit by my PC all day long which I don't intend on doing anytime soon.

Calico 12-31-2015 03:36 PM

Quote:

Originally Posted by Corporateburnout (Post 1675772)
How can someone find the time to contribute to three forums? One is more than enough for me unless I sit by my PC all day long which I don't intend on doing anytime soon.

My best guess is that Imoldernu never sleeps! ;D

Katsmeow 12-31-2015 05:27 PM

Quote:

Originally Posted by papadad111 (Post 1675667)

Put another way: I find those retiring in 30s and 40s to be way more interesting. Often their stories are met with healthy inspiration and some awe.


You know, that is actually pretty offensive, not to mention ageist. You are certainly entitled to have whatever feelings you want to have about older people, but it seems more than a little rude to talk publicly about how those younger people are just more interesting.

I also think you are entirely missing the fact that many of those boring old people in the late 50s are older weren't always that age, and may have retired years and years earlier.

There is also the fact that while this form is an Early Retirement forum it does have plenty of people on it who didn't retire too early. I remember when I joined the form and I was 55 or so, I was hesitant at first to even join. I actually think I lurked for quite awhile before joining because I wasn't sure I was young enough to join.

The reality is that because I was uneasy about it, I looked elsewhere for a more general retirement forum and didn't find one. So, here I ended up. And, mostly despite being a decrepit and boring 55 year old, people were welcoming.

I have the feeling though that once we hit 60 (regardless of who old we were when we got here), you would just as soon we went elsewhere. From one of your posts in this thread:

Quote:

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.

NW-Bound 12-31-2015 05:34 PM

Quote:

Originally Posted by Calico (Post 1675762)
I believe he is also spending some time on another retirement forum. I saw a post from him there a few weeks back.

Quote:

Originally Posted by Corporateburnout (Post 1675772)
How can someone find the time to contribute to three forums? One is more than enough for me unless I sit by my PC all day long which I don't intend on doing anytime soon.

This is the only forum I frequent, let alone post in. Yet, it already takes quite a bit of my time.

So, how do people run across imoldernu on other forums without spending even more time than I do? Just askin'... ;)

ls99 12-31-2015 05:41 PM

Quote:

Originally Posted by Janet H (Post 1675595)
I am in favor of transparency. I am 29 ;D

:nonono:

How many times?:laugh:

Meadbh 12-31-2015 05:50 PM

Quote:

Originally Posted by papadad111 (Post 1675667)
I did not mean to suggest dividing the forum entirely by age as u quickly figured out.

The suggestion is to have areas that are targeted and welcoming specifically to age or like retirement stage people.. Affinity is a good term.
I like to meet other 40 somethings who are fired ... Not many of us and the situations and solutions are often unique compared to a 60 year old 2 or 3 years out from social security a pension or both ...


Put another way: I find those retiring in 30s and 40s to be way more interesting. Often their stories are met with healthy inspiration and some awe.

Contrasting that - Retiring in 60s is pretty much average and normal not at all uncommon and pretty much unspectacular in that it's a "usual" Path. And with 10000 boomers retiring every day it's just a lot of normal old people retiring on schedule. By that point few of those doing it "early".

Dryer sheets or not... This is ER.org right ? And E stands for early, correct ?

Peace out !

When you were in high school or college, how did you envision your future? I'm guessing you probably hunted for information that would enhance your career, your financial situation or your quality of life. Well, guess what? Some "older" people also plan for the future. Get over it. Hopefully you will someday be old enough to ask the same questions.

Gumby 12-31-2015 06:29 PM

Quote:

Originally Posted by Sarah in SC (Post 1675522)
Wait, you want the mods to confess their ages?

Hmmmm..........

:)

OK, I am old. But not so old as to have forgotten the day I got my first dinosaur. Mum was afraid that I wouldn't properly care for the little fellow, but Dad talked her into it. Oh the hours of fun we had -- little Winthrop and I -- scampering about in the wood until we heard the roar of Old Nick, the local Tyrannosaur. Then we'd race for the safety of home. Good times indeed.

hnzw_rui 12-31-2015 06:32 PM

Given the desired demographic, perhaps the Early Retirement Extreme or Mr. Money Mustache forums might be a better fit.

CaliforniaMan 12-31-2015 06:42 PM

Quote:

Originally Posted by Gumby (Post 1675874)
OK, I am old. But not so old as to have forgotten the day I got my first dinosaur. Mum was afraid that I wouldn't properly care for the little fellow, but Dad talked her into it. Oh the hours of fun we had -- little Winthrop and I -- scampering about in the wood until we heard the roar of Old Nick, the local Tyrannosaur. Then we'd race for the safety of home. Good times indeed.

You think you are old, I still remember the great bisque they used to serve at the Red Trilobite.

Nemo2 12-31-2015 06:58 PM

Quote:

Originally Posted by CaliforniaMan (Post 1675885)
You think you are old, I still remember the great bisque they used to serve at the Red Trilobite.

Hey, what a coincidence.....my great-grandson used to catch those crabs & lobsters!

braumeister 12-31-2015 07:19 PM

This is beginning to sound familiar.

Quote:

FOURTH YORKSHIREMAN: Right. I had to get up in the morning at ten o'clock at night half an hour before I went to bed, drink a cup of sulphuric acid, work twenty-nine hours a day down mill, and pay mill owner for permission to come to work, and when we got home, our Dad and our mother would kill us and dance about on our graves singing Hallelujah.

FIRST YORKSHIREMAN: And you try and tell the young people of today that ..... they won't believe you.

ALL: They won't!

RunningBum 12-31-2015 08:23 PM

The forum is "early retirement", not "very early retirement". I understand you may have some fairly unique issues, but some of those boring 60 year olds may have been through your situation and you can learn from them if you can stay awake reading their posts. I appreciate people of all ages here. And there are also probably people of all ages I've put on ignore or gloss over their posts.

Start threads on topics you think apply to your kind. Maybe if they are popular enough and enough of them you can have more support for a separate forum. But it seems like you might be more at home elsewhere. And I'm not sure you haven't worn out your welcome here with your attitude in this thread.

Bestwifeever 12-31-2015 09:27 PM

Everyone here used to be younger. They either left or got older here. Even a 45 year old wasn't really an "early" retiree. Back in the prerecession day only a curmudgeon thought a 4% was an exceptionally conservative swr what with those CD rates and one could plan on being on easy street with those stock options and start up money just waiting to fund an incredibly well feathered nest egg.

Or maybe the people who say they're in their forties and FI really aren't--might as well take what everyone says as helpful regardless of their supposed age and path, or discount all of it. I haven't needed to know or care about others being from my 1950 birth year since I was 22.

devans0 12-31-2015 09:51 PM

I go to reddit, lately. There are many younger people populating their forums, and far fewer FI. The demographic is the younger mirror of ER.org.

I see a lot of wheel spinning as the just-out-of-college or new professionals struggle with getting started that more experienced have worked their way through. I've picked up a lot getting new perspectives. It challenged me to go back to school for some finance and econ courses. I have improved returns already, with less risk.

I hope that the earliest ER people continue to stay. The mix can do everyone good.

papadad111 01-01-2016 10:03 AM

Quote:

Originally Posted by hnzw_rui (Post 1675876)
Given the desired demographic, perhaps the Early Retirement Extreme or Mr. Money Mustache forums might be a better fit.


Sadly not quite the demographic I was looking as so few have made it to FIRE and are really just aspirational, it's similar to the young dreamers here.

papadad111 01-01-2016 10:06 AM

Quote:

Originally Posted by Meadbh (Post 1675856)
When you were in high school or college, how did you envision your future? I'm guessing you probably hunted for information that would enhance your career, your financial situation or your quality of life. Well, guess what? Some "older" people also plan for the future. Get over it. Hopefully you will someday be old enough to ask the same questions.


Yes. That's true. And that's what this board is for. But a forum area that's dedicated to age-specific (cycle specific) issues seems practical and helpful. Not to mention as I noted before a chance to get to know the similar aged patrons in here.

Kinda like a bar - some bars the old people go to ... And some the younger people go to. None are denied service.

Meadbh 01-01-2016 10:09 AM

Quote:

Originally Posted by papadad111 (Post 1676086)
Yes. That's true. And that's what this board is for. But a forum area that's dedicated to age-specific (cycle specific) issues seems practical and helpful. Not to mention as I noted before a chance to get to know the similar aged patrons in here.

Kinda like a bar - some bars the old people go to ... And some the younger people go to. None are denied service.

So you should start a thread titled "for age group (your choice) only" and see what happens.

papadad111 01-01-2016 10:20 AM

Quote:

Originally Posted by Katsmeow (Post 1675842)
You know, that is actually pretty offensive, not to mention ageist. You are certainly entitled to have whatever feelings you want to have about older people, but it seems more than a little rude to talk publicly about how those younger people are just more interesting.



I also think you are entirely missing the fact that many of those boring old people in the late 50s are older weren't always that age, and may have retired years and years earlier.



There is also the fact that while this form is an Early Retirement forum it does have plenty of people on it who didn't retire too early. I remember when I joined the form and I was 55 or so, I was hesitant at first to even join. I actually think I lurked for quite awhile before joining because I wasn't sure I was young enough to join.



The reality is that because I was uneasy about it, I looked elsewhere for a more general retirement forum and didn't find one. So, here I ended up. And, mostly despite being a decrepit and boring 55 year old, people were welcoming.



I have the feeling though that once we hit 60 (regardless of who old we were when we got here), you would just as soon we went elsewhere. From one of your posts in this thread:


I think you're being overreactive to my comments and a bit defensive. I've never mentioned that I would not be welcoming of all age groups nor that those groups could not join in the age specific area in the forum.

Rather it would be a beacon for folks like me who specifically wanted to find "our people" in this virtual world - Those more similar to us in terms of age, life and retirement cycle, kids, spouse,

And this even becomes relevant for older people too -- imagine those having a slew of kids and grandkids and facing loss of mobility due to health etc -/ compare that to a spinster who never married never had kids and is aging alone. Totally different lifestyles and support networks in later retirement....

You're feeling about me is wrong and purely speculative- I actually value everyone's input. That said, Would we hang out on a Friday night ? Maybe. Every Friday ? Probably not.

I guess I am taking the early retirement too literally. How to prevent this from evolving and becoming another run of the mill retirement board full of normal "I'm 62 and just retired" ho hum discussion boards.

I like to turn up the contrast to get everyone thinking. No one has come up with a reason NOT to offer this, other than maybe a little conservatism or resistance to some evolution or change.

papadad111 01-01-2016 10:22 AM

Quote:

Originally Posted by Meadbh (Post 1675856)
When you were in high school or college, how did you envision your future? I'm guessing you probably hunted for information that would enhance your career, your financial situation or your quality of life. Well, guess what? Some "older" people also plan for the future. Get over it. Hopefully you will someday be old enough to ask the same questions.


And you can get over the fact that there are both younger and older people here who have different questions and many young and old people don't always like how cranky older people are .... Especially in their online responses.

kcowan 01-01-2016 10:29 AM

I have often thought of various subforums:
Retired
Planning for retirement
Rich
Planning to be rich
Surviving in retirement
American
Everyone else

and I decided that my job was to filter out all the chaff of little interest to me. And I have enjoyed many topics from all the above categories. People could focus more on their topic titles, but hey no one is perfect...

papadad111 01-01-2016 10:32 AM

Quote:

Originally Posted by Bestwifeever (Post 1675923)
Everyone here used to be younger. They either left or got older here. Even a 45 year old wasn't really an "early" retiree. Back in the prerecession day only a curmudgeon thought a 4% was an exceptionally conservative swr what with those CD rates and one could plan on being on easy street with those stock options and start up money just waiting to fund an incredibly well feathered nest egg.

Or maybe the people who say they're in their forties and FI really aren't--might as well take what everyone says as helpful regardless of their supposed age and path, or discount all of it. I haven't needed to know or care about others being from my 1950 birth year since I was 22.


I doubt very much that there were any more 40-somethings who retired pre recession as post recession. Perhaps a few in 2000 as dot com peaked but not statistically so... In economic cycles, 40's is considered a young retiree by all accounts.

That said, as you point out the rules were different- market returns. 7% Interest rates , SWRs... All different versus today's 40 something retiree... which is exactly why one has to re-consider the excellent advice from the person who retired at 45 some 15 or 20 years ago --that advice may not be at all relevant by today's economic environment yardsticks.. Some situations are similar but some are vastly different.

papadad111 01-01-2016 10:39 AM

Quote:

Originally Posted by Walt34 (Post 1675763)
And time will catch up with early retirees eventually. While I retired at age 52, I'm now 65, so I don't really stick out as an "early retiree" anymore.


Yep. This isn't a "time will catch up with you" discussion. It's a discussion about adding a section where I can discuss with those who ARE early retirees based on their age, and doing it today as an early retiree... 65'ers who may or may not have retired early two decades ago or two weeks ago is a different demographic.

kcowan 01-01-2016 10:45 AM

Quote:

Originally Posted by papadad111 (Post 1676120)
65'ers who may or may not have retired early two decades ago or two weeks ago is a different demographic.

and you are convinced that you cannot learn from them? Is that what you are saying?

papadad111 01-01-2016 10:46 AM

Forum topics by age.
 
Quote:

Originally Posted by FUEGO (Post 1675683)
So you want a young and FIREd forum? There is a similar forum at Mr Money Mustache, though I don't think "young" is in the title, but most of the posters who have FIREd are the very early (30's and 40's) retirees.


Yes. That type of forum would be the goal . I don't know if it has to be young and FIREd...or maybe it's " millennial and fired"...gen x and fired.... Late boomer and fired....

ER.org is an exceptional board. The Only one I consistently read. Goal is to make it better.

REWahoo 01-01-2016 10:48 AM

Quote:

Originally Posted by papadad111 (Post 1676099)
No one has come up with a reason NOT to offer this, other than maybe a little conservatism or resistance to some evolution or change.

We've come up with a number of reasons not to offer this, which you appear to be unwilling or unable to acknowledge. The primary reason is simple - the folks who run E-R.org created broad forums to be welcoming and encourage all to participate. There is no support by the members of the board for your idea.

But once again, why don't you start a thread for "folks like you" and see how it goes? Even better, why don't you start your own early retirement board and define it like YOU want to define it. Heck, you can even include a section for topics like https://www.early-retirement.org/foru...ork-79778.html.

papadad111 01-01-2016 10:51 AM

Quote:

Originally Posted by kcowan (Post 1676124)
and you are convinced that you cannot learn from them? Is that what you are saying?


No. I didn't say I can't learn from them. I said they are a different demographic... Kinda Like drinking in a bar.. Some bars carry different demographic of patrons- sports bar. Blues bar. Etc. I go to a sports bar when I want to watch and talk sports... I don't want to talk and listen to blues music when I'm in a sports bar...

papadad111 01-01-2016 10:53 AM

Forum topics by age.
 
Quote:

Originally Posted by REWahoo (Post 1676133)
We've come up with a number of reasons not to offer this, which you appear to be unwilling or unable to acknowledge. The primary reason is simple - the folks who run E-R.org created broad forums to be welcoming and encourage all to participate. There is no support by the members of the board for your idea.



But once again, why don't you start a thread for "folks like you" and see how it goes? Even better, why don't you start your own early retirement board and define it like YOU want to define it. Heck, you can even include a section for topics like https://www.early-retirement.org/foru...ork-79778.html.


I thought a rule here was no personal attacks ... What happened mods? Oh you ARE a mod so rule doesn't apply ?

Meadbh 01-01-2016 10:54 AM

Quote:

Originally Posted by papadad111 (Post 1676137)
No. I didn't say I can't learn from them. I said they are a different demographic... Kinda Like drinking in a bar.. Some bars carry different demographic of patrons- sports bar. Blues bar. Etc. I go to a sports bar when I want to watch and talk sports... I don't want to talk and listen to blues music when I'm in a sports bar...

I am looking for a different demographic too. I'm putting you on my ignore list. Why don't you put me on yours?

MichaelB 01-01-2016 10:57 AM

Quote:

Originally Posted by papadad111 (Post 1676143)
I thought a rule here was no personal attacks ... What happened mods? Oh you ARE a mod so rule doesn't apply ?

The rules apply to all of us. REWahoo is not a moderator, although he was a most excellent mod and also founding member of this forum.

No rule violations so far.

REWahoo 01-01-2016 10:58 AM

Quote:

Originally Posted by papadad111 (Post 1676143)
I thought a rule here was no personal attacks ... What happened mods? Oh you ARE a mod so rule doesn't apply ?

I'm an ex-mod, and I don't believe linking a thread you started is a "personal attack".

aja8888 01-01-2016 02:06 PM

Thanks folks!
 
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