To think it’s selfish for parents to retire early when their kids are renting?

If he likes his job which the OP says is 100% remote and very stress-free, it does seem a bit unhelpful that he wouldn't continue to work for another year if that was going to help his DD a lot.

It's not clear how it would help.
Would it mean a much bigger pension so he could gift money each month/ year? A bigger lump sum on retirement?
Or would be giving her the annual salary he's earned by working for 1 more year.

@Lesbeavinu Can you come back and fill in the details?

Are you usually this ageist?

Anyone can retire, provided that they are able to meet their own financial needs without working.

I will never be able to help my children with a house deposit unless something drastically changes. But it’s not impossible for them to do it themselves, I know several young people with a mortgage and my son could get one if he didn’t live in London. He’s always known that he wouldn’t get any help and seems to be planning his life accordingly. I don’t really think your husband should not retire over this if he really wants to stop working.

Far more factors to this decision. When are you planning on retiring? Is he planning on retiring on the basis you’ll still be working and needing that money to survive? Is your DD living with you? is DD saving up their own deposit?

Why don’t you continue to work an extra year or 2 beyond your planned retirement date to help your DD. Otherwise just butt out. It’s his choice

Finding it hard to understand why you think his generation have benefited from the rise in house prices to be honest - unless they live in a larger house than they need and can downsize, or are in an expensive area, there’s no benefit when buying a comparable property. And older people are still subject to the same cost of living rises - council tax, energy bills, etc.

dDad retired at 55. I don't begrudge him that even though I'm still renting 20 years later.

My assumption @Lesbeavinu is that really you're jealous of your dh's 'stress free' job and opportunity to retire early.

Life is shorter than you think. Let your husband enjoy his retirement while he can.
If he doesnt find it enjoyable, at 59 he is young enough to get some part time work or volunteering.

She's not being silent about it, she clearly said in the first paragraph of the OP that she and her husband both earn £50K!

OP has already said she is working and earning the same as DH.

So many people asking this question.

Read the OP again. She's earning 50k, same as her DH.

I don’t think it’s that much of a reach to think that this is a reverse, and the OP is the DD. It was the first thing that crossed my mind on reading it.

Out of curiosity what are you doing and earning?

Perhaps your DH sees you at home and wants to be there too.

My DH died at 54, one year away from his planned retirement. If he can he should.

No you haven't. The other poster has and is clearly projecting with his/ her constant posts on the thread.

Gen x are age 44-59 , I've never seen a post about them needing money from their parents

I'm one of these. In every generation there are many, many people who cannot afford to buy a house and cannot afford to save for a deposit. Many people I went to school with are still renting in their 50's.

Surely there can't be one size fits all answer here, also if you have both had good wages to date, then you could save something, or he could work part-time after retirement, I know someone who does this and loves their new sociable retirement job and it keeps a few £100 flowing through each month.

Life is short though, and personally if he can't wait to get out, I think that's a good life goal, as worthy as giving a child a house deposit, ultimately you could keep going longer yourself if you disagree.

I think that if he’s had his fill and you’re not paying a mortgage, he’s entitled to retire when he’s ready. Have had too many friends whose parent worked longer than they wanted to only to then die in their mid to late sixties. All parties regretful that the parent had fewer years to spend with their partner and to do the things they’d held off for years due to kids/work.

That said, my DH had planned to work until 60, but now feels it will need to be 62 as our youngest wants to study medicine (a 4 yr MSci in BioMed first and a 4 year grad entrant degree), so he plans to work the extra 2 years to save as much as poss to help out. We’ll then also downsize to release lump sumps for both children to get on the property ladder.

Not sure this is out of selflessness so much as planning to avoid giving the tax man his cut after we die (that sticks in DH’s craw) and also because we’d like to watch the kids benefit and flourish during our lifetime, rather than struggle under the weight of debt until we pop our clogs. However, DH now 55 and beginning to find long hours/commute/stress really tiring and it’s impacting the quality of his downtime at weekends, so we may need to take a view on this as he approaches 60.

Many FTB now are a) in their 30s and have/are considering starting a family b) have moved around a lot when renting and don't especially want to collect more addresses, indeed are looking to buy to never have to go through a move again c) don't want to keep paying stamp duty d) can't even afford the 'somewhere small'

It is his money - and he can choose to do with it what he will!!
The same applies to you - you too are on a good wage - if you want to save for your DD then do so!! No-one is stopping you!!

My assumption throughout the thread has been that the poster is doing a weird reverse and is the daughter. The comment sounds exactly like a spoiled, bullying daughter trying to gain sympathy for her attempts to coerce her father into being her workhorse and wallet.

I could be wrong, but as the OP has only posted a quick wind up and a very brief second wind up, and nothing else, it's my working assumption.

I don't think he should keep working if he doesn't want to, that said, I know at least one man who has kept going to work over his desired retirement age (low 60's) to provide enough for children to get through university, so has done an extra 3-4 years for that. He liked his job, it was not hard to keep going and he's provided extra for them.

I think each family is different, it's not something unheard of though, most families are trying to ensure the next generation do at least as well as they did, and that motivates my choices as well, I'm a lone parent though so no choice not to work and provide for my children at all!

Sorry have I lost the plot here... the poster is not the dd. The dd hasn't asked for anything. The poster is the partner of the dh

This is almost definitely a wind up and half the responses sound like something out of the Viz.

Well played, OP, well played.