FabSwingers.com forum: Retirement

By *layfullsam OP Man
over a year ago

Solihull

Do you have a master plan or are you just stumbling through life and see what happens ?

Appreciate a lot can go wrong to spoil our plans (this year has proved that) but what is your achievable dream ?

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

Not to go to work.

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By *innie The MinxWoman
over a year ago

Under the Duvet

"Not to go to work. "

That's how it generally works.

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By *ebjonnsonMan
over a year ago

Maldon

Cycle around the world.

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By *layfullsam OP Man
over a year ago

Solihull

"Not to go to work.

That's how it generally works.

Easy to stop working but Will you have enough money to do what you want though ?

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By *layfullsam OP Man
over a year ago

Solihull

"Cycle around the world."

Sell your house or rent it and have it to come home to

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By *rincess peachWoman
over a year ago

shits creek

I shall probably die whilst carrying a bowl of soup or something else equally as messy to someone demanding.

Instead of helping, I imagine them trying to scoop it up off the carpet then moaning there's a hair in it.

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By *tephanjMan
over a year ago

Kettering

I can't afford to retire,I have just reached official retirement age but won't be stopping. My advice to younger people is make sure you got a good pension plan

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By * Sophie xTV/TS
over a year ago

Derby

Im selling whatever house I've in, taking a nice little lump sum and going to do as many crazy things as im able to before I leave this mortal coil

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By *ightkitty4uWoman
over a year ago

Epsom

But a boat and sail the seven seas like captain jack sparrow...

Reality- the thought of being a poor OAP scares the hell out of me! Plan is to buy a home so don’t have to pay rent in retirement... but that’s looking like a pipe dream!

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By *layfullsam OP Man
over a year ago

Solihull

"But a boat and sail the seven seas like captain jack sparrow...

Reality- the thought of being a poor OAP scares the hell out of me! Plan is to buy a home so don’t have to pay rent in retirement... but that’s looking like a pipe dream! "

Let's make an Ark and sail the seven seas and invite like minded swingers onboard from every country we stop at

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By *ultry SuccubusTV/TS
over a year ago

London

I've started to prepare myself for early retirement back in 2014 OP.

What I'm worried of is the expenditure related to un-expected things especially health.

However if everything goes to plan, I hope to retire early in 2022.

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By *layfullsam OP Man
over a year ago

Solihull

"I've started to prepare myself for early retirement back in 2014 OP.

What I'm worried of is the expenditure related to un-expected things especially health.

However if everything goes to plan, I hope to retire early in 2022."

Well done you

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By *innie The MinxWoman
over a year ago

Under the Duvet

My mum and dad both saved all their lives for retirement, both ended up being fucked over by the care system.

I'll be spending mine while I've got all my faculties

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By *ultry SuccubusTV/TS
over a year ago

London

Studying on how to live successfully on coupons now

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By *riar BelisseWoman
over a year ago

Delightful Bliss

My master plan involves skipping though life with a smile on my face, no ties no worries just fun

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

We didn't have a master plan. We used to visit Hastings regularly and always said we would retire here. Circumstances at the time made retirement seem an impossibility. Things got much worse and we both lost our jobs, selling our house was our only viable option. So we did, bought a doer upper here, retired at 57 and drew our ridiculously small private pensions. I continued to work off and on for a couple of years but now we spend our days happily still doing stuff to the house, not worrying about Monday morning and pre covid doing more or less what we like.

Things couldn't have worked out better really, we don't have a lot of money but we have time which is worth so much more. We still play the lottery though

Get a personal pension plan kids, pay as much in to it as you can afford.

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By *andare63Man
over a year ago

oldham

I retired at 40 investing in property.... Travelled the world for 2 years.... Felt unfulfilled and went back to work at 43... I'll finish at 60.... And won't be going back the the proverbial hamster wheel again

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By *wisted999Man
over a year ago

North Bucks

Retire at 55 with hopefully a further couple of additions to my buy to let empire. Live off pensions and proceeds of my rents.

Travel a lot and hope not to die too soon.

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By *andare63Man
over a year ago

oldham

"We didn't have a master plan. We used to visit Hastings regularly and always said we would retire here. Circumstances at the time made retirement seem an impossibility. Things got much worse and we both lost our jobs, selling our house was our only viable option. So we did, bought a doer upper here, retired at 57 and drew our ridiculously small private pensions. I continued to work off and on for a couple of years but now we spend our days happily still doing stuff to the house, not worrying about Monday morning and pre covid doing more or less what we like.

Things couldn't have worked out better really, we don't have a lot of money but we have time which is worth so much more. We still play the lottery though

Get a personal pension plan kids, pay as much in to it as you can afford. "

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By *onty1971Man
over a year ago

London St Helier Trier

Have a plan but one in discipline moment and an unexpected event through my timeline. Lessons learned and more disciplined now. However I really enjoy being self employed and his has given me time now as well fun from my work so that I will continue work of I can past official retirement age.

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By *ingmaster1Man
over a year ago

coulsdon

"I can't afford to retire,I have just reached official retirement age but won't be stopping. My advice to younger people is make sure you got a good pension plan

your so right i have been forced to retire far sooner then i planed through sudden health reasons savings nowhere what i need week to week for a long period claiming universal credit now will find out next week what more i can claim for never thought i would need to claim for anything but been paying in all my working life left school at 15 64 now so taking what i can get

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By *onty1971Man
over a year ago

London St Helier Trier

FIRE is a great movement and good with examples.

The crisis has shown we can work from home and this need not now be in expensive cities but anywhere. Somewhere cheaper even. Sometimes travel to work which can now have a small office and rent extra office space for all hands on deck work.

Regular travel to work can also go. There will be lots of change coming.

Sorry to say but Zombie firms will die off and create more unemployment as well as new opportunities from the rubble of human unhappiness caused by that and COVID-19.

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By *2000ManMan
over a year ago

Worthing

Yes I have a plan. Extend my home tech work and give up day job eventually.

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By *eoscanCouple
over a year ago

Definitely, plan ahead as much as possible, save save save if you can, when you can.............we did, but life has a habit of kicking you in the nuts when you least need it to........ but we've sorted ourselves out and we're happier than ever.....if less well off than we hoped.

Just need Covid to leave us alone...

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By *ex HolesMan
over a year ago

Up North

Plan is to retire at the first opportunity that arises

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By (user no longer on site)
over a year ago

Doubtful us young people are ever gonna be able to retire.. so any offers of sugar daddys would be appreciated

haha just kidding

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By *UGGYBEAR2015Man
over a year ago

BRIDPORT

Been paying into a private pension since my early 20’s, paid in as much as I could all the time never took any payment holidays. Every year I look at the pension summary they send me and when I get to the bit that says ‘this will give you a projected fund of ****** I think, how the fuck can I live off that!

That’s with a good provider who regularly wins industry awards for it’s fund performances.

Low interest rates may be good for mortgages and business investment but it’s shit for people trying to save.

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

"Not to go to work.

That's how it generally works.

Easy to stop working but Will you have enough money to do what you want though ?"

are you selling pensions ?

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

"Been paying into a private pension since my early 20’s, paid in as much as I could all the time never took any payment holidays. Every year I look at the pension summary they send me and when I get to the bit that says ‘this will give you a projected fund of ****** I think, how the fuck can I live off that!

That’s with a good provider who regularly wins industry awards for it’s fund performances.

Low interest rates may be good for mortgages and business investment but it’s shit for people trying to save. "

Yep. Might as well keep your money under the mattress at the moment

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By *ebjonnsonMan
over a year ago

Maldon

"Cycle around the world.

Sell your house or rent it and have it to come home to "

Sell it then buy or rent in France a few years later.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

One of my pensions that becomes payable when I'm 75 will pay me the princely sum of £90 a year.

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By *ob Carpe DiemMan
over a year ago

Torquay

I got lucky early in my career hence retired last year, it was more luck than judgement mind you.

I have enough for a comfortable life and I hope some fun money left over. The fun money is my headroom however so might need it to live on. If not I'm hoping to get away somewhere warm for a couple of months every winter, we will see

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By *arkus1812Man
over a year ago

Finedon ,

I am now 15 years into retirement, one piece of advice I would offer is to take out a Private Medical plan as the NHS will only get worse because so many of us are living to a much greater age and demand for medical services will go through the roof.

I have been waiting over 2 years for replacement knee joints whilst my brother in law has a plan with BUPA and got his knee replacements within 6 weeks of his first consultation.

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By (user no longer on site)
over a year ago

I was able to retire from my first career 18 months ago. Now on career two and paying into a new pension as well as drawing my first. I will keep working for at least four more years.

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By *ob Carpe DiemMan
over a year ago

Torquay

"I was able to retire from my first career 18 months ago. Now on career two and paying into a new pension as well as drawing my first. I will keep working for at least four more years. "

You will still be young for a retiree, so well done and enjoy

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By *ob Carpe DiemMan
over a year ago

Torquay

[Removed by poster at 01/11/20 16:49:53]

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By *inky_couple2020Couple
over a year ago

North West

I fully anticipate dying part way through a Teams meeting. It'll probably just look like my webcam froze

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By (user no longer on site)
over a year ago

See more men when possible.

But can't travel due to covid19 restrictions.

Can't buy abroad due to brexit.

But happy to be working part time as a casual employee...so much better.

Never knew how boring retirement actually is after wanting it so badly.

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By *htcMan
over a year ago

Plan is save until before where possible, sell house before.use money until get old. When old and unable to do anything off a cliff I go.as don't want to sit in some old people's place or sat around unable to do anything.

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By (user no longer on site)
over a year ago

I wish I could retire early but I've never paid into a pension and I'm already finding my work very hard, I don't think I will be able to keep doing it when I'm much older.. so I don't know how I'm going to cope money wise in the future.

Lucky I should be mortgage free in around 2 or 3 years though, but as time goes on I don't know where the next pound is going to come from and once that's paid I will have very little savings.

So I guess I will just have to keep playing the lottery and hoping for the best

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By *allyandJonCouple
over a year ago

manchester

Our retirement plan is simple. A campervan, a naturist beach, good books, socialise, gardening, no debt, live within our means, lots of wine and lots of good quality sex.

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By *layfullsam OP Man
over a year ago

Solihull

"Our retirement plan is simple. A campervan, a naturist beach, good books, socialise, gardening, no debt, live within our means, lots of wine and lots of good quality sex. "

Sounds perfect, hope that it all works out

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By *ontecristoMan
over a year ago

PonteCarlo

No I have a plan that is going well so far its been a struggle at times but if all goes to plan I can retire by 55.

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By *asseurMan
over a year ago

Shrewsbury England not Wales

Reaping the benefit of our retirement planning, which we started years and years ago, we're mortgage free, I've been retired for 2 years, have private and state pension, wife retires next year whoo hoo. Its never too early to start planning !!!

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By *UGGYBEAR2015Man
over a year ago

BRIDPORT

"No I have a plan that is going well so far its been a struggle at times but if all goes to plan I can retire by 55. "

When I was 30 I had plans to retire or a least just work as much as I wanted too by 55.

Can’t see it happening now.

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By (user no longer on site)
over a year ago

"No I have a plan that is going well so far its been a struggle at times but if all goes to plan I can retire by 55.

When I was 30 I had plans to retire or a least just work as much as I wanted too by 55.

Can’t see it happening now. "

What went wrong

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By (user no longer on site)
over a year ago

When I was 19 and full of myself a 50 year old man asked me what I'd be doing when I'm his age and I told him that I would be retired then.

I had no plan whatsoever, just thought I would of earned lots of money. Damn that's 21 years ago now and I still feel as if I'm in the same boat.

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By *UGGYBEAR2015Man
over a year ago

BRIDPORT

"No I have a plan that is going well so far its been a struggle at times but if all goes to plan I can retire by 55.

When I was 30 I had plans to retire or a least just work as much as I wanted too by 55.

Can’t see it happening now.

What went wrong "

No one thing in particular, maybe I was just unrealistic in how much I would have to have put by to live on with no wage coming in.

Don’t get me wrong, I’m not on my uppers and have cleared my mortgage but there’s no point in retiring early then struggling.

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By *utterypopcornCouple
over a year ago

oxford

We live in Oxford where a ordinary family home would be around £700k up!! Retirement is cancelled

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By (user no longer on site)
over a year ago

"No I have a plan that is going well so far its been a struggle at times but if all goes to plan I can retire by 55.

When I was 30 I had plans to retire or a least just work as much as I wanted too by 55.

Can’t see it happening now.

What went wrong

No one thing in particular, maybe I was just unrealistic in how much I would have to have put by to live on with no wage coming in.

Don’t get me wrong, I’m not on my uppers and have cleared my mortgage but there’s no point in retiring early then struggling. "

True that is the thing

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By (user no longer on site)
over a year ago

"We live in Oxford where a ordinary family home would be around £700k up!! Retirement is cancelled "

Wow and to think there's an end terrace house just up the road from me for sale for 90 grand. What a difference!

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By *andybeachWoman
over a year ago

In the middle

I will probably have to work till they carry me out in my low-budget cardboard box

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By (user no longer on site)
over a year ago

"We live in Oxford where a ordinary family home would be around £700k up!! Retirement is cancelled

Wow and to think there's an end terrace house just up the road from me for sale for 90 grand. What a difference! "

Blimey I’m retiring to Swansea!

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By (user no longer on site)
over a year ago

"We live in Oxford where a ordinary family home would be around £700k up!! Retirement is cancelled

Wow and to think there's an end terrace house just up the road from me for sale for 90 grand. What a difference!

Blimey I’m retiring to Swansea!"

Haha come along

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By (user no longer on site)
over a year ago

Already drawing one pension and working on another. I will probably retire by 60 and do stupid stuff so I don't get bored..

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By (user no longer on site)
over a year ago

"I will probably have to work till they carry me out in my low-budget cardboard box

Me too

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By (user no longer on site)
over a year ago

If I retired I wouldn't know what to do. It's a lovely thought but I think things would soon get boring for me and I'd seize up.

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By *utterypopcornCouple
over a year ago

oxford

Packing as we speak!!!! Oh wait Wales is closed

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By *onglegs888Couple
over a year ago

Birmingham

I will be retiring aged 48.5 with a pension easily enough to maintain our current standard of living. I’ll add some properties to my portfolio and manage those as a bit of a time filler. Once I’ve reached another milestone I’ll start moving/liquidating my assets to my children so that I’m flat ass broke when the government come calling. I’ve sacrificed a few things financially to be in this position and life is too short to work into your 60s and 70s so I unashamed will be enjoying the position I’ve created for myself

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