Thread for single people

Denial is strong in all of us I think. ;) And I have many years to go before I get there. I raised the subject because it's a thread for singles, and this may be a common challenge many of us will face.

Fwiw, it's a challenge at least half of married people will face, too. Their spouse will die before they do, so they will have to manage the last part of life alone. In some ways, a single person may be in a better position than they are, since the single person has had plenty of practice living and managing life solo, whereas it would be a very stressful challenge for someone widowed after decades of marriage, suddenly forced to navigate the remainder of life on their own, with little practice, at an old age.

It would be nice to be able to depend on children, but that isn't guaranteed by any stretch. I've heard many stories of parents whose children are too busy or distant to provide the care they need.

I have some family and friends I can call on for little stuff, if needed. I plan to get more involved in church activities as I get older, since those are good places for older people to get help. I also figure I can hire a nurse if need be.
 
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"who will help you when you need it?"

Every time an article appears in the local paper about a caretaker ripping off an elderly vulnerable person, I dutifully cut out the article and add it to my pile. Here's the latest: caretaker accused of stealing more than $1M from a 94-year-old woman.

I'm not worried about finding help when the time comes; I am worried about having my assets stolen if I become vulnerable. I'm not satisfied with the asset protections currently available in American society. I'm lucky to be at the tail end of the Boomer cohort - hopefully the Boomers who come before me will demand that more adequate protections be provided before my time comes. This might be a pipe dream. :)
 
Yet, everyone will tell you that's not a proper reason to seek a mate.

The phrase "nurse with a purse" comes to mind....

Exactly, and from what my older male friends tell me the only reason they would date a woman over 45 was to have a younger companion to take care of them when the time comes. :LOL:
 
Fwiw, it's a challenge at least half of married people will face, too. Their spouse will die before they do, so they will have to manage the last part of life alone. In some ways, a single person may be in a better position than they are, since the single person has had plenty of practice living and managing life solo, whereas it would be a very stressful challenge for someone widowed after decades of marriage, suddenly forced to navigate the remainder of life on their own, with little practice, at an old age.

It would be nice to be able to depend on children, but that isn't guaranteed by any stretch. I've heard many stories of parents whose children are too busy or distant to provide the care they need.

I have some family and friends I can call on for little stuff, if needed. I plan to get more involved in church activities as I get older, since those are good places for older people to get help. I also figure I can hire a nurse if need be.

Totally agree. It's not limited to singles, and that it's possible we may be better prepared in some ways. And a good plan to get more involved with groups that provide community support for older members.
 
I’m 53 and single, no children, but have a girlfriend (I’m actually divorced since 2001 but as others have done, rejected the label). Retired 6 months ago with a modest pension and portfolio that more than cover my expenses. I live alone in a condo near downtown Austin.

The transition to ER has been challenging for some of the same reasons others have mentioned: no family to occupy my time or give me a sense of purpose; I tend toward introversion so getting out and meeting people doesn’t come naturally; I enjoy time alone but often feel that I am isolated.

Still, I am finding ER preferable to work with the exception of the loss of socializing I enjoyed with my coworkers. I have a few good friends in town but most of them work and aren’t available during the week.

I joined a gym a few months ago and that was a really good decision. In addition to improving my fitness and losing weight, going to the gym gives me a purpose and a place to go to break up the day. And it’s walking distance so I get out in the fresh air when the weather is nice. I don’t think I’ve said a single word to anyone since I’ve been there, but just being around other people pursuing the same goals has been fulfilling.

As the OP observes, this forum and many like it are dominated by married couples and the discussions tend to reflect that fact but that’s just reality, not a value judgment. I still find much benefit coming here and posting questions or just reading what others post. (I have come away with the impression that being single carries a fairly high price tag in terms of taxes—all other things being equal, married folks with families tend to be rewarded by the tax code.)

Now that we’re past the holidays and into the new year, I’m hoping to get more involved in activities that will bring me into contact with new people, like volunteering or joining a few groups that interest me. I really feel that I owe it to myself to break out of my little “condo cocoon” and find new opportunities to socialize.

A final note to my rambling post is that since I’ve retired things with my girlfriend have been a little strained. She’s a 45 year old single mother in a demanding professional career that leaves her feeling drained by the end of the day/week, whereas my stress levels have dropped and I’m getting plenty of rest and exercise. I help her as much as I can, and I make myself available when she needs me, but my day-to-day “problems” are now insignificant compared with hers and she rather resents it. Nothing I can do about that, really, except be understanding and supportive and try not to whine about my problems.

It may be that the truly single life will be my future....
 
I’m 53 and single, no children, but have a girlfriend (I’m actually divorced since 2001 but as others have done, rejected the label). Retired 6 months ago with a modest pension and portfolio that more than cover my expenses. I live alone in a condo near downtown Austin.

The transition to ER has been challenging for some of the same reasons others have mentioned: no family to occupy my time or give me a sense of purpose; I tend toward introversion so getting out and meeting people doesn’t come naturally; I enjoy time alone but often feel that I am isolated.

Still, I am finding ER preferable to work with the exception of the loss of socializing I enjoyed with my coworkers. I have a few good friends in town but most of them work and aren’t available during the week.

I joined a gym a few months ago and that was a really good decision. In addition to improving my fitness and losing weight, going to the gym gives me a purpose and a place to go to break up the day. And it’s walking distance so I get out in the fresh air when the weather is nice. I don’t think I’ve said a single word to anyone since I’ve been there, but just being around other people pursuing the same goals has been fulfilling.

As the OP observes, this forum and many like it are dominated by married couples and the discussions tend to reflect that fact but that’s just reality, not a value judgment. I still find much benefit coming here and posting questions or just reading what others post. (I have come away with the impression that being single carries a fairly high price tag in terms of taxes—all other things being equal, married folks with families tend to be rewarded by the tax code.)

Now that we’re past the holidays and into the new year, I’m hoping to get more involved in activities that will bring me into contact with new people, like volunteering or joining a few groups that interest me. I really feel that I owe it to myself to break out of my little “condo cocoon” and find new opportunities to socialize.

A final note to my rambling post is that since I’ve retired things with my girlfriend have been a little strained. She’s a 45 year old single mother in a demanding professional career that leaves her feeling drained by the end of the day/week, whereas my stress levels have dropped and I’m getting plenty of rest and exercise. I help her as much as I can, and I make myself available when she needs me, but my day-to-day “problems” are now insignificant compared with hers and she rather resents it. Nothing I can do about that, really, except be understanding and supportive and try not to whine about my problems.

It may be that the truly single life will be my future....

I relate to a lot of what you posted. Having all the free time in retirement as a single person definitely has its challenges. I love the freedom of all the time to myself, in my own house, to do whatever the heck I want to do, whatever I feel like. Otoh, that's a lot of time to fill. I'm a big introvert, and sometimes I have to remind, even push myself to get out there and form connections -- which can be challenging at our age.

As you allude to with your girlfriend, most of the people our age are busy with work, so it's difficult to relate. It's sort of like the way irishgal said it was difficult to relate to people whose conversation centers around marriage and kids; it's just not my world or my experience, so I don't have much to share. I can sympathize, but I don't want to say, "My big challenge is having all this free time to fill." lol.

When I take adult ed classes, participate in groups, or do volunteering, most of the people are married, considerably older than me, or quite young. There aren't a lot of 50-something single retired guys out there, at least not in my neck of the woods. Or else they're all out hunting and fishing, which I don't get into.

It's early in the process, though. I'm just six months in. I think it's important to keep a positive attitude and keep trying different things. If one thing doesn't work out, try another... Keep at it and eventually something clicks.
 
There is a great group on FB "Singles in Pursuit of Financial Independence" some finance bent but a lot of singles talk with a bit of an FI perspective. Well moderated and one of the only groups on FB that I'm active with.
 
A plug for the work of Bella DePaulo, PhD, who's devoted her career to studying single life. Very helpful in enjoying singlehood and debunking any internalized stigma you may have.

For example, on the myth that marriage makes you happier:
https://blogs.psychcentral.com/sing...ting-married-will-make-you-happier-read-this/

On the myth that marriage makes you healthier:
Debunking the Myth that Married People Live Longer - Bella DePaulo

General compilation of articles on the single life:
What We Really Know About Single Life - Bella DePaulo
 
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It certainly helps to know the kind of person you need in your life. Taking into account the personality you have and who would be a good fit for you. But you have to be honest with yourself. When I did that for myself, it no longer mattered how pretty and successful a lady was, I had low interest simply because her personality and lifestyle didn't fit mine.

When I began to look for ladies who I felt would be more accepting of me and at the same time someone I felt I could trust, that is when the clouds sort of lifted and it seemed I was looking for someone without going in blind. I could see things now about a person simply because I was looking for those things, things I personally needed in my life. I think that really helps.
 
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It seems so strange, to me, not to be looking for those things from the start. Then again, if many men weren't easily misdirected at younger ages, there would be no market for hair extensions and breast augmentation. I applaud your insight.

When I began to look for ladies who I felt would be more accepting of me and at the same time someone I felt I could trust, that is when the clouds sort of lifted and it seemed I was looking for someone without going in blind. I could see things now about a person simply because I was looking for those things, things I personally needed in my life. I think that really helps.
 
There's 3 categories: Single, married, and divorced. Single means never married.

I belong to the single category. Age 57, retired at 45 with a small pension, a 457, dividends and rental income. The freedom to come and go as I please, the ability to date (dating is an outdated term, more like "Netflix and chill") whomever I want, it's such a great feeling.

I exercise, I read, I have a 16yo daughter I parent, and I spend way too much time with my 2 dogs.

There's plenty of happily married members on this forum. I won't be one of them.


I was one of the happily married members on this forum. Some of us are now in another 4th category although not by choice, we are Widowed.



My plan must change since losing the love of my love. ER'd at 56 and she passed away at 51 only 8 months later (June 5 2018). I worked at home for 16 years and we spent almost 24 hours a day together. we were really close at all times and got along great for 25 years. I sure do miss the daily routine we established. No family here, fortunate that my best friend for over 30 years lives 10 miles away, is also retired and we share may of the same interests.

I'm trying to revise the plan, it's not easy. It was always 'we' now it's 'me' ....that sounds like single with an asterisk*
 
Words like 'widowed' and 'divorced' refer to events that have happened to people in the past. The word 'single' refers to one's current marital status.
 
Words like 'widowed' and 'divorced' refer to events that have happened to people in the past. The word 'single' refers to one's current marital status.

Divorced sounds so ugly and so negative. Why would anyone want to refer to that? Where as the word single refers to the now and doesn't necessarily carry with it anything that gives anything away about yourself and still describes your current status.

Widowed is alright by me, I take no issue with that description, but divorced, no. Time to move on from that word.
 
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I'm a single woman, 58, retired at 55. I have a withdrawal rate < 3% from a fairly conservative portfolio. Own a house and a cabin. I have one adult child who I will have to help for the foreseeable future, which I can manage within withdrawal rate, but can't $$ travel so much. I feel no desire to share either my problems or assets with someone else, and I like being alone much more than most people. I love my local dog park (40 acre off leash area, happy dogs and people), and also mini hiking with my dog who has turned into the most adorable well behaved old dog after a somewhat tumultuous youth. I like being in the woods just me and my dog, and have a couple of close friends with whom I enjoy walks in the city.

A quiet life!
 
I'm single, never married, >60. I haven't struggled much with feelings of loneliness - and I worked alone most of the time as well. Actually, my life feels much fuller and richer since FIRE than ever before.

I've struggled much more with balancing demands of people! Most of my friends are single as well, and we - the female ones at least - DO talk about the future, and we make our preparations, and try to think through what-ifs. Still, the future doesn't hold any certainties. But we have to press ahead, making what preparations we can, and, really, that's the case for all of us mortals. I find it much harder to talk to my single male friends about their preparations. I'm not sure why, other than the standard "men don't easily share their fears and feelings" trope.

Actually, that's a question for you older single males out there - would you welcome discussion of aging from a sympathetic female friend? How could such a friend bring up the topic comfortably for you?
 
Actually, that's a question for you older single males out there - would you welcome discussion of aging from a sympathetic female friend? How could such a friend bring up the topic comfortably for you?


Several of my female friends/companions have spoken of this to me, but no men that I recall. Probably because the women are smarter...

Seems the two most prevalent concerns are loneliness and a fear of medical emergencies such a falling, or a stroke.
 
Split with the wife 15 years ago (we actually are still friends). We have kids and grandkids. Retired for 12 years (retired early) and living a life I never thought possible while married. I'm not against marriage. It just took me a long time to realize that marriage is not for everyone.
 
My one marriage ended in 2011, have had a couple of LTRs since, but as of a couple of years ago, leading up to retirement, I have needed and craved being solo in order to make plans -to leave this HCOL city. downsize possessions and leave a long term career. I will be quitting in a couple of months and after catching up on sleep, lol...I hope to expand my circle of friends - platonic or romantic. I have a lot of life left to live.
I feel grateful that after the marriage ended, I was able to take my half and grow it to this point of quitting work - life is short. I know I could not hitch my wagon to another person unable to manage money - just hope to find someone to share the best parts of life.
 
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Actually, that's a question for you older single males out there - would you welcome discussion of aging from a sympathetic female friend? How could such a friend bring up the topic comfortably for you?

FWIW, I have found that the concerns about aging are pretty much the same for men and women. The main health reltated difference have to do with our somewhat different biology. Other than that, a knee replacement or sinus problems are pretty much the same. Financial issues are the same. Paying the bills are the same. Schwab pays the same dividends and capital gains per share regardless of gender.

A few differences I have noticed:

1. Females know they will probably outlive males so they plan for a few more years.

2. Women tend to eat more healthy and have healthier habits in general. That may explain #3 below.

3. When hiking, women now lead the way, and are way up ahead of the guys. There have to be 2-3 older gals on the trails for for each guy, and the go faster! Like my old grand pappy used to say, "Nothing wrong with fast women." :D
 
Another thought - on the topic of being taken advantage of in the later years...I have seen recommendations calling for people to convert their remaining portfolio into an annuity. Would that limit liability in some way? Also, if you need assisted living care, your annuity check goes to the facility? just thinking off the top of my head. Thanks
 
Another thought - on the topic of being taken advantage of in the later years...I have seen recommendations calling for people to convert their remaining portfolio into an annuity. Would that limit liability in some way? Also, if you need assisted living care, your annuity check goes to the facility? just thinking off the top of my head. Thanks


An annuity that's not an IRA wouldn't protect the funds from liability in many states. Apparently, Florida does.
 

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