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Started By
Message
re: Retirement begins in 30 days
Posted on 12/31/25 at 9:18 am to Everyday Is Saturday
Posted on 12/31/25 at 9:18 am to Everyday Is Saturday
I retired last year at 62.
My advice to you is to prioritize your health as your new job.
So many people I know didn't do this before / after retirement and after 60 went downhill in a matter of a few years. To the point that now their lives are a series of doctor visits and new drugs that may help them feel better.
I've always been fit / exercised via running, cycling, lifting etc., so not much of a transition for me. I try to go to the gym 5 times a week to lift. I stretch, do machines and some free weights for an hour - I'm not a powerlifter by any means. BUT, I don't have any back or joint issues like my siblings / parents and most of my friends. It does get old doing the same thing day after day, but it sure seems to work.
I also just got me an E MTB. I was a big mountainbiker for years but now have Afib, which makes climbing tough. My new bike still requires pedalling but climbing is much easier. I'm redisovering my love for trail riding.
I've averaged walking 7.5 miles / day this year. Doctor visit the other day my BP was 112/64.
TLDR; exercise every day.
My advice to you is to prioritize your health as your new job.
So many people I know didn't do this before / after retirement and after 60 went downhill in a matter of a few years. To the point that now their lives are a series of doctor visits and new drugs that may help them feel better.
I've always been fit / exercised via running, cycling, lifting etc., so not much of a transition for me. I try to go to the gym 5 times a week to lift. I stretch, do machines and some free weights for an hour - I'm not a powerlifter by any means. BUT, I don't have any back or joint issues like my siblings / parents and most of my friends. It does get old doing the same thing day after day, but it sure seems to work.
I also just got me an E MTB. I was a big mountainbiker for years but now have Afib, which makes climbing tough. My new bike still requires pedalling but climbing is much easier. I'm redisovering my love for trail riding.
I've averaged walking 7.5 miles / day this year. Doctor visit the other day my BP was 112/64.
TLDR; exercise every day.
1
Posted on 12/31/25 at 9:36 am to chrome_daddy
quote:
I've averaged walking 7.5 miles / day this year. Doctor visit the other day my BP was 112/64.
Plus your 5X per week in gym w/weights…you are the man!
I’m 4-5X gym and 15-20 miles walk per week. Not enough stretching. You got me beat!
Hear you loud and clear and will heed! Will try to raise to your bar. Congrats!
Posted on 12/31/25 at 11:25 am to Everyday Is Saturday
Congrats.
Find something to do to stay active. I know when i retire i will stay active in something i will not stay home all day on the couch
Find something to do to stay active. I know when i retire i will stay active in something i will not stay home all day on the couch
Posted on 12/31/25 at 12:38 pm to Double Oh
Prior to my retirement a wise man told me, "it's like it was when you were in high school, every night is like Friday and every day is like Saturday."
Enjoy.
Enjoy.
Posted on 12/31/25 at 1:08 pm to Everyday Is Saturday
Congratulations! I'm only 19 years away now 
Posted on 12/31/25 at 5:33 pm to Everyday Is Saturday
Congrats. Sounds like you have it all figured out. I would recommend joining a gym but sounds like you have. Not only for exercise but to replace the work “family”. Get a PCP and establish a relationship with a cardiologist. Just to get a baseline. Best advice given to me was to learn how to slow down. I been retired 8 years. Loving it. Debt free and living off Social security. Congrats.
Posted on 12/31/25 at 6:10 pm to Everyday Is Saturday
Congratulations.
I’ve got 9 years to go!!
I’ve got 9 years to go!!
Posted on 12/31/25 at 6:24 pm to Everyday Is Saturday
Congrats! This is the American Dream!
All i have to offer is what I have witnessed from friends that have retired. You probably need two hobbies, or willing to do some basic volunteer/consulting/mentoring. One hobby just does not fill the days.
All i have to offer is what I have witnessed from friends that have retired. You probably need two hobbies, or willing to do some basic volunteer/consulting/mentoring. One hobby just does not fill the days.
Posted on 1/1/26 at 8:42 am to Everyday Is Saturday
Some good comments already. I retired at 55; the water is fine.
Make your health a priority. There is science that suggests muscle strength is the #1 predictor of longevity.
Stay active mentally and physically.
Pay it forward. Financially and with your time.
Stay in touch with friends. You lose a lot of work connections and do not want to be too isolated from social activity.
Since we are on the money board, I would say that conventional financial advice on investments in retirement is not a 1 size fits all. You don't mention your financial health, and that matters. One of my regrets was I moved too much money into bonds when I retired. I am very fortunate financially and have more money than I will ever need. In this situation, I decided I was being too conservative. One really only needs enough money in conservative instruments (bonds, cds,...) to prevent needing to pull money from equities while they are down. I keep most of my money in broad indexes. If you research the s&p500, you will see that it is very rare to have 2 down years in a row. Using this logic, the majority of your money can stay in equities and stay out of a scenario of pulling money from equities while they are in a down cycle.
Make your health a priority. There is science that suggests muscle strength is the #1 predictor of longevity.
Stay active mentally and physically.
Pay it forward. Financially and with your time.
Stay in touch with friends. You lose a lot of work connections and do not want to be too isolated from social activity.
Since we are on the money board, I would say that conventional financial advice on investments in retirement is not a 1 size fits all. You don't mention your financial health, and that matters. One of my regrets was I moved too much money into bonds when I retired. I am very fortunate financially and have more money than I will ever need. In this situation, I decided I was being too conservative. One really only needs enough money in conservative instruments (bonds, cds,...) to prevent needing to pull money from equities while they are down. I keep most of my money in broad indexes. If you research the s&p500, you will see that it is very rare to have 2 down years in a row. Using this logic, the majority of your money can stay in equities and stay out of a scenario of pulling money from equities while they are in a down cycle.
Posted on 1/1/26 at 8:46 am to Everyday Is Saturday
Congrats and Welcome. Retirement is as good as you make it.
Posted on 1/1/26 at 9:27 am to KWL85
quote:
You don't mention your financial health, and that matters. One of my regrets was I moved too much money into bonds when I retired.
Financially healthy. To your point, did not want 1 ounce of risk greater than what was needed the last couple of years to get us to this point. To say, we are not presently allocated for growth / beating inflation for long haul, God willing, ie, a long retirement. Will modify that in 2026. Not worried about sequence of returns risk as have retirement lump sum et al and cash equivalents to protect the equities from being needed during down markets.
Great steer and thank you!
This post was edited on 1/1/26 at 9:28 am
Posted on 1/1/26 at 10:13 am to Everyday Is Saturday
Everyone's risk tolerance is different. Know yourself and your temperament. In my case I traded for 30 years-commodities (seasonal spreads, cross commodity spreads, naked options, position trading), stocks (short and long), naked options, currencies, wherever I saw opportunity. I'm 66 now and my wife about to turn 65. She's very risk averse at this stage and really I am too. If you have enough to feel secure in safe instruments-I bonds, TIPS, TBills and Notes, Investment grade corporates, High grade preferred stocks, etc. using the 4% rule why take the risk of the stock market? You may have reason too but I personally don't. I do sprinkle in some BDC's, Reits, and RCTIX on the margin to spice up my yield because I'm comfortable with those. Good retirement to all. Anyone else here who invests similarly to this I'd love to see ideas here. May God Bless all you folks.
Posted on 1/1/26 at 12:14 pm to bovine1
You are correct on risk tolerance. The answer to your question on why take the risk of the stock market is simple. To increase your returns. If one has enough liquid assets to prevent pulling from equities at a poor time, then why not earn more with less liquid money? I am currently earning money for my kids and grandkids. I am comfortable with the belief that it is unlikely the market will be down more than 2 consecutive years, and can live with it if wrong. It is not like one would lose the majority of their money if wrong. History has shown that we typically have 7 good years in every decade. It has been 25 years since we had 3 bad years in a row. It has only happened a few times in it's entirety. I do not align with conventional thinking of 60-70% conservative choices during retirement. I would look at it different if I had significantly less wealth.
Posted on 1/1/26 at 12:20 pm to bovine1
quote:
using the 4% rule why take the risk of the stock market? You may have reason too but I personally don't
We are using the 4% (3.5% actual).
We are “enough” people. Will expose more to equities to aim to beat inflation over next 30yrs (God willing)…and not an ounce more risk.
100% control of time is far more valuable to us than a few more % return, above inflation/4% rule, on portfolio.
Posted on 1/1/26 at 1:05 pm to bovine1
quote:
using the 4% rule why take the risk of the stock market
Doesn’t the 4% rule have an assumption of like 75/25 stocks/bonds?
Posted on 1/1/26 at 10:37 pm to Everyday Is Saturday
Keep active. I saw my relatives who retired go downhill pretty quickly from lack of activity and routine. Best of luck and enjoy!
Posted on 1/1/26 at 11:30 pm to JohnnyKilroy
quote:
Doesn’t the 4% rule have an assumption of like 75/25 stocks/bonds?
Believe it is 60/40 stocks/bonds
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