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2
Posted on 12/11/25 at 8:02 pm to GrapevineTigah
spend less than you are earning in retirement income, generally (December should always be an exception) AGREE
- spend some time outdoors every day - exercise - AGREE
meet others as frequently as possible (I’m not particularly social, but I get what you mean
When invited just go (until it becomes a commitment that you don't want yet)
-add more volunteer work over time (church, neighborhood, city, county): sounds like work for no pay, but IF someone is intolerable I can walk away I guess
Lots of opportunities to ride bikes, walk, play golf, pickleball, help neighbors
- spend some time outdoors every day - exercise - AGREE
meet others as frequently as possible (I’m not particularly social, but I get what you mean
When invited just go (until it becomes a commitment that you don't want yet)
-add more volunteer work over time (church, neighborhood, city, county): sounds like work for no pay, but IF someone is intolerable I can walk away I guess
Lots of opportunities to ride bikes, walk, play golf, pickleball, help neighbors
Posted on 12/12/25 at 6:46 am to sharkfhin
Working until I am in my 60s because my job is easy, work from home and get paid well.
Posted on 12/12/25 at 7:06 am to sharkfhin
Save Your Money
He who has the gold
Makes the rules
He who has the gold
Makes the rules
Posted on 12/12/25 at 8:04 am to sharkfhin
In my 50s. Obamacare came out and my insurance premiums on employer paid insurance skyrocketed 33% and I had to stop my 401k elections for multiple years to maintain the standard of living. I'm not retiring. I start drawing a pension from a company I left back in 2013 at 55, I'll likely take that check and roll it over into an IRA post tax since I can't get the company to put it in before they pay me.
Since I'm never going to retire...is there a better option than an IRA? Also since I started my 401k, I'm getting about 17% rate of return...what's a good number to shoot for there?
Since I'm never going to retire...is there a better option than an IRA? Also since I started my 401k, I'm getting about 17% rate of return...what's a good number to shoot for there?
Posted on 12/12/25 at 8:51 am to MSTiger33
quote:nothing wrong with that when you love what you do brother
Working until I am in my 60s because my job is easy, work from home and get paid well.
Posted on 12/12/25 at 8:54 am to Lee Chatelain
quote:i made money when i was younger in the sports industry. Invested all of it(except a truck and a condo) into two small businesses and expanded them over time. Sold out after 25 yrs.
How did you retire so young? Did you inherit a crap ton of money or win the lottery?
This post was edited on 12/12/25 at 5:33 pm
Posted on 12/12/25 at 11:18 am to sharkfhin
There is only one:
Have zero debt when you retire
Have zero debt when you retire
Posted on 12/12/25 at 11:31 am to sharkfhin
I'll be 50 before the youngest one is out of the house, but with no kids, I'd play a shite ton of golf and buy a camper van.
Posted on 12/12/25 at 11:52 am to sharkfhin
quote:
Invested all of it(except a truck and a condo) into two small businesses. Sold out.
What was your thinking to sell vs essentially becoming a passive owner and collecting a small salary and distributions.
I'm planning to sell my main business and the business with the rental property associated with it because I don't want the liability. But I have another company that services the main business that I may hold onto for the monthly income (little overhead, minimal expenses, but solid stream of cash).
Posted on 12/12/25 at 1:32 pm to sharkfhin
quote:
sharkfhin
Congrats on living the dream.
Retirement means different things for different people.
Out of curiosity, how much of a nestegg did you put away to make the decision? I'm a bit older than you and the amount of cash I think I need to step away from the workforce seems to be getting higher and higher.
But, I also could see some with a simpler life deciding to live simply and just enjoy not having to work.
This post was edited on 12/12/25 at 1:32 pm
Posted on 12/12/25 at 1:36 pm to Lee Chatelain
quote:
How did you retire so young?
Maxing accounts makes this easy but people would rather drive an $80k truck with a $900 payment, put in a swimming pool, or go on multiple vacations they can’t afford a year etc.
If you max a 401k, Roth, HSA, and dump rest into a brokerage you can retire early. Most don’t want to do this or just flat out can’t. I’m not saying it’s right or wrong but the blueprint to retire early is there provided you make good money and have the ability, want, or discipline to save.
Posted on 12/12/25 at 2:27 pm to ronricks
quote:Experience tells me that pointing this out won't be taken kindly. I would add that you don't need to max them out. Just make it a priority and never waiver. Most people cannot live within their means or be disciplined.
Maxing accounts makes this easy
Posted on 12/12/25 at 5:03 pm to moneyg
I sold out on two small businesses, gave half(more than half actually) to my family(son/daughter) and kept the other half. Im around 6.5 left and just making interest and that was after buying homes, 2 boats and 1 nice truck all cash. No bills.
This post was edited on 12/12/25 at 5:32 pm
Posted on 12/12/25 at 5:11 pm to Weekend Warrior79
quote:The overhead and the insurance was wild. My equipment was somewhere in the middle before i had to purchase more. Didn't wanna have to spend virtually millions to buy new equipment. My kids have more than I do from what I gave them. They have enough so that all of their kids will have financial wealth for their lives. I say I have them half. More like almost 75%. I kept enough to be financially free for the next 30 or so yrs.
quote:
Invested all of it(except a truck and a condo) into two small businesses. Sold out.
What was your thinking to sell vs essentially becoming a passive owner and collecting a small salary and distributions.
I owned two businesses where I had 26ft box trucks running 24/7 out of ATL and Houston.
This post was edited on 12/12/25 at 5:12 pm
Posted on 12/13/25 at 1:09 pm to sharkfhin
quote:
after 2 months of nothing you need to find shite to do. I ain't going back to work. Normal work is slavery imo. People in general dont get paid enough. I fish alot but it isn't enough. Its made me quite lazy but then I look at crystal blue water and beautiful sun in the sky and realize that i have it made. If I dont want to do anything and be a bum I can.
Get a mower and do yard work a few days a week gives you something to do and it’s not an everyday 9-5 job.
Posted on 12/13/25 at 2:31 pm to sharkfhin
Lots of money in the freight world. Repect the grind, especially as an asset owner.
This post was edited on 12/13/25 at 4:06 pm
Posted on 12/13/25 at 3:19 pm to LSUShock
3 rules for retirement health:
1. Do something productive each day for mental health.
2. Be active for physical health.
3. Passive income for fiscal health.
1. Do something productive each day for mental health.
2. Be active for physical health.
3. Passive income for fiscal health.
Posted on 12/13/25 at 3:25 pm to bulldog95
I'd rather rake the white sand outside my front door 
but I get it.
but I get it.Posted on 12/14/25 at 9:56 pm to sharkfhin
Never sell equities to buy depreciating assets
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