Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Aibu Retiring at 55 - 30 years of idleness?

567 replies

Scotsknowbest · 15/04/2026 23:19

So this is the thing: so many local friends have given up working in the last few years in their early to mid 50s, aibu to think what on earth are you going to do to stay interested and interesting?
I thought perhaps they would shut the house up and set off on a big trip but holidays have been more like 2 weeks in Greece instead of one.
I thought perhaps they would volunteer but that seems too restrictive for them.
I thought some might use their professional skills to join executive boards as NEDs or in advisory roles. But no.
Some have upped their golf or tennis, some are focusing on the garden (what, every day?) some walk the dog, read the paper.
I just think they will become so boring!
In contrast I caught up with 3 old school friends this evening who I see about once or twice a year. I asked them when they thought they would retire and each thought mid 60s.
Many of my friends have inherited recently and I think this has been the nudge. I have also inherited but I don't feel any different!
Just for context I am 57, work in 2 roles, one executive, board level, one professional but different area (social work) which takes me to about 4 days a week but I also run 4 properties as a landlord and have an aging dad who lives a mile away who I help with admin, appointments, organising stuff. I also have 2 grown kids the youngest at uni, 1st year. So, not as busy as when I worked and had little kids, but pretty busy in a good way. Personally I can't imagine stopping working so aibu, is 50to55 simply too young to be retiring even if the catalyst has been a windfall inheritance?

OP posts:
TheNinkyNonkyIsATardis · 16/04/2026 14:56

My grandad retired in his early fifties due to a heart attack and went on to live almost another half century.

I'm working towards retiring in my early fifties, balancing that with being more available for my son whilst he's young and enjoying his childhood.

I've had several periods of being out of work and have worked part time (career break, between jobs, mat leave) and have never had the slightest problem occupying myself.

Work just doesn't hold any value status to me that I couldn't get myself - social, intellectual. Once I don't need it for money, I won't need it for the rest either.

ThatWaryLimePeer · 16/04/2026 14:54

Some have upped their golf or tennis, some are focusing on the garden (what, every day?)

Work, what, every day?

IHearViolins · 16/04/2026 14:49

How can you not think of things to do in retirement, I have hobbies that I can't wait to spend more time on, and not be woken by an alarm, or be tied to work hours
Holidays when I want them, studying things I am curious about, going swimming, more hiking, more books, cinema in the daytime, museums whenever, where ever, see family when I want, visit towns and cities at cheaper times, so much to do
I plan on retiring at 60 but sooner if I can, and am in my fifties

SunConure · 16/04/2026 14:20

I am still not sure about the motivation for your post

glitterpaperchain · 16/04/2026 14:20

I think it's really sad when people can't imagine life without work. They must be incredibly boring people. I could be unemployed and still not have enough time to do everything I want to do! Good on your friends for living life for themselves not for an employer.

LovelyCoconuts · 16/04/2026 14:20

Following with interest. My pension figures look like I could retire at 55. Ie in 10 years. Have been thinking a lot recently about what I actually want to do with my life!

Namingbaba · 16/04/2026 14:19

I just think they will become so boring!
I don't understand how work makes you interesting. I guess it depends what you do but my office work makes me more boring I'm sure. I'd love to retire then. I'm 40 and I'd retire now if I could!

Eeyorefan · 16/04/2026 14:16

ForCosyLion · 16/04/2026 03:56

Can I ask how people retire in their early fifties? Is it from public-sector pensions, or from having been a high earner in the private sector and having a generous company pension? I'm just curious.

Well my dad currently in his 80s worked 40 years for a company with a final salary pension scheme and retired mid 50s

Lemonandlimetrees · 16/04/2026 14:12

Perhaps the reason you're finding retirement difficult to understand is that you're thinking about it only as stopping something that is your main source of purpose and meaning. Instead, retirement is best seen as a transition from something to something. Many people don't pay enough attention to setting up a post-retirement life that gives them any benefits they got from work (e.g. social contact, feeling useful, feeling skilled, being valued, achieving things...).

I probably didn't pay as much attention to this as I could have before retiring at 59 (too focused on leaving something toxic behind that was ruining my health & dominated most waking hours). However, I now write, record and arrange music, am learning to paint, am a school governor, am learning a language, travel more, have more time to help elderly parents and really value having more time for living well e.g. cooking healthily, keeping fit, pottering in the garden. It does need thought & planning though, to create a good retirement. It doesn't just happen.

shuggles · 16/04/2026 14:05

@Scotsknowbest Aibu Retiring at 55 - 30 years of idleness?

Where did you get this magical crystal ball that told you that you will live until 85? That's a very ambitious life expectancy and most people don't live that long.

Whenever I read about deaths in the news, I would say that deaths under the age of 70 are far more frequent than over 70.

Glindaa · 16/04/2026 14:02

Scotsknowbest · 15/04/2026 23:46

Exactly this. My mum died at 88, dad currently 87 both fully with it. I am likely to be alive another 30 years. How many coffees, lunches out and walks can I do!

I’m sure those too wealthy to work manage just fine ! It’s just socially instilled in the working classes that to live is to work. If you can’t think of better things to do than work then you’re lacking in imagination ( or money!)

Jo7890123 · 16/04/2026 13:54

You're heavily judging their choices, by referring to their retirement activities as 'idleness' in the title - I suspect they see their days as very enjoyable r&r, with leisure activities they have looked forward to for years...

It's one thing to be concerned that they may get bored (tho thats really something they can easily address, if it becomes an issue..), but your "I just think they will become so boring!", seems a bit as tho You're worried they won't offer YOU sufficient entertainment! If so, find some new, working mates - problem solved!

Norugratsatall · 16/04/2026 13:50

I am 62 and retired a month ago. My passion is gardening (what every day?! Well yes most because I have a large garden and I enjoy it!) but I also sew, paint, sing in a choir (for which I’m also Treasurer) as well as the usual stuff like seeing friends and family and attending theatre and talks etc. Does that make me boring? I would hope not….

not having work take up headspace has been amazing though.

I guess we’re all different!

Anonymouseposter · 16/04/2026 13:37

It’s not necessary to be in work or join an organisation to have a purpose. You can invite a friend who’s upset for lunch and listen to them, you can offer someone a lift to the hospital, you can babysit, you can help a friend in their garden. The thing is this sort of thing isn’t publicly recognised but why does that matter, it doesn’t stop it being a purpose. You can also study something for interest without going after a qualification.

wearemorethanourboots · 16/04/2026 13:23

I think either you are someone who gets bored easily or you're not. I'm in a corporate senior-ish role and hoping to retire at 57 in a few years time, if all goes to plan (bloody Trump and his war is affecting my pension pot at the min!).

I have no grand ambitions for my retirement - we have an old house that always needs stuff doing, so I will aim to improve my DIY and gardening skills, I will go to yoga and maybe start another sport type thing. I might start a little sideline dogsitting or walking, nothing too full on. I will read, and read, and read, and do jigsaws, and catch up with friends, and go for walks in the countryside, I would like to learn to play the piano, and I will keep house and cook DH's tea every night, and just potter about doing allll the things that I've not had the time to do in 40 years of work (left school at 16, never went to Uni, never had a career break, never had maternity leave as no DCs).

Hopefully travel will feature somewhere but not 'big' travel as such, we've seen quite a bit of the world already, and DH will still be working for a while as he's younger than me. I do already and will continue to do solo trips.

I can't bloody wait! I think as long as you keep active and connected to community, actual 'work' is overrated. But then I don't love my job and never have, it's something I do to earn enough money to pay the bills and have a decent lifestyle.

britnay · 16/04/2026 13:20

Early 40's and I would retire tomorrow if I could. I would find plenty of things to keep myself entertained and wouldn't give a fuck if anyone thought any of it was boring.

Nogimachi · 16/04/2026 13:17

Howdidlifegetsobusy · 16/04/2026 12:51

How about you do you, and let them do them.

at 51 I cannot wait to be in a position to work less. I am parenting both my elderly parents, and my children (teens), my job is constantly stressful and feel like I am always spinning too many plates.

I would love to be able to take life at a better pace, be less anxious, and have time for sports, learning new skills etc. there is nothing idle about having worked to have a decent pension, and allowing the pace to be more healthy.

everyone is different - I probably would do more voluntary work (have always done some and worked in the sector), but what motivates and keeps once person motivated is not going to be the same for everyone.

I am exactly the same.

Foundress · 16/04/2026 13:17

loveawineloveacrisp · 16/04/2026 11:28

OP lights the touchpaper and then fucks off. Nowt to do with you if people can afford it. I'm in my mid 50s and know of several people my age who have sadly passed away. I'm retiring in no more than a years time.

Probably too busy with their very important job @loveawineloveacrisp .I am also with you @Pennyfan These sort of posts always bring out the competitive retirees. I am happy to admit to being largely idle in retirement and probably spending too much time on MN. My sympathies to all those on this thread forced to keep on working. May you be retirees soon and of course do exactly as you please.

Nogimachi · 16/04/2026 13:12

I wouldn’t be retiring either in your position, that sounds like a nice balance. But for someone who has worked 5 days a week in a demanding job for 30+ years, either manual or non-manual, they are likely to want a rest and to devote time to life on their own terms.
I think a lot also depends on if you worked part time or had a break at any time in your career. Working 4 days a week means you get 50% more rest time which makes a massive difference to your energy levels.
As long as they are then not claiming any money from anyone else, let them do as they like and free up space in the workforce for younger people…

HollaHolla · 16/04/2026 13:05

God, it's the dream to be able to afford to retire at 55. The opportunity to travel more widely/longer trips; study more (for pleasure); pick up a course to go back to painting; get fitter/swim more; do some home improvements. Just because I would like to give up working, it wouldn't mean I wouldn't exercise my brain, and body.
Unless I can marry money, I'll be working until 67. Or longer, if they change the pensionable age again. (All dependent on being able to afford to live on an HE pension.....)

WhitegreeNcandle · 16/04/2026 13:03

BinaryDot · 16/04/2026 12:40

People who can't cope with the loss of structure / status / identity / busyness of their work roles should stay working. Otherwise they swarm onto the steering committees of charity, voluntary / community / hobby organisations and start monstering everyone else as they try and turn them into copies of whatever terribly important job they used to do and competing with each other Game of Thrones style. If you consider yourself an important professional with lots of drive and organisational energy to bring to U3A management you should work til you drop, volunteer in a lighthouse or take up solitary bee-keeping.

Love this, you’ve been sat on a PCC meeting recently haven’t you?!

I couldn’t retire so early. I need purpose in my life. Whether that’s a job I feel fulfilled by or a volunteer role that means I’m contributing to society. I couldn’t live for 30 years without doing either.

DH and I are hoping that a big investment of ours will pay off in our 50’s meaning we won’t have to work. He will still farm. I would do a lot more volunteering. Neither of us would just travel and enjoy our family - we’d do that as well.

OneAmusedRobin · 16/04/2026 13:02

I can retire at 50 from the police but realistically it is better for my pension to go at 55 now that they’ve meddled with them. I may get a part time job doing something totally different but I could also fill my days with gym, wild swimming, hiking, travelling, I don’t I tend doing anything stressy, I can’t wait!

Loadsalies · 16/04/2026 12:59

loveawineloveacrisp · 16/04/2026 11:28

OP lights the touchpaper and then fucks off. Nowt to do with you if people can afford it. I'm in my mid 50s and know of several people my age who have sadly passed away. I'm retiring in no more than a years time.

I was thinking that🤔

zantez · 16/04/2026 12:56

Robinbaby · 16/04/2026 12:51

I would love to retire! I only work 3 days a week now, but with commute and only one day at home the days are long.
What is the obsession with being busy? I can potter as an Olympic champion.
I don’t give a toss if I’m boring, people don’t need to be my friend!
My job is stressful and boring at the same time, as I talk to the general public. You never know if someone will be angry and aggressive or nice and polite.

Spot on.

I agree. Although I'm fully retired 12 years now (early retirement also OMG), I've never felt the need to be "busy" all the time after my last day at work. I love life now, I can do nothing or lots things (that's rare ha ha).

Without wishing to judge anyone, I'm getting a feeling that those who constantly need to be busy and doing things may not be happy in their own company and try to keep busy to block out other things going on in their lives. Which is fair enough, but not everyone is like that!

Crikeyalmighty · 16/04/2026 12:54

i do think it helps to carry on if you really enjoy your job, many don’t though and hence the rush for early retirement -

Swipe left for the next trending thread