Only 46 but looking forward to retirement!

[RosieLeaLovesTea]

I’m only 46 but more and more recently I have been thinking and looking forwarc to retirement! I feel terrible as it feels like I am wishing my life away. I hope I can retire from my full time role at 60 and then spend time running my own business which I currently do in addition to full time work. So I would not stop work completely. Also my DCs will be adults then currently they are 10 and 8. Also I hope to have my mortgage paid off. I think I am mostly feeling like it I will feel more ‘free’ free of full time grind, free of the mortgage. Kids hopefully grown up and more independent. Do we all have thoughts like this?

Yes. I counted down the last 12 years of work payday by payday.

Retirement is amazing. I'm 3 years in and loving life and the time I now have to enjoy stuff.
Chin up, you will get there.

@omega4ever wow I am so jealous! Glad to hear it’s a good as
you thought. I have always enjoyed my work and strives to do lore and work my way up the ladder. But over last couple of months just had this feeling that I want to be free of it all. I think it’s made worse by the fact that my DH does not work - he is other income sources and does not need to do I see him swanning about as if he is retired!

I don't but my dh does. He's 48 (I'm 40). He'd love to retire at 58 but realistically I don't think his pension is good enough. We've been mortgage free for a few years, but dc costs a lot and we want to have a nice lifestyle, so I don't foresee our costs coming down much.

I'm the opposite. I'm 4 years younger than you and the thought of retirement fills me with dread. I absolutely love working, love my job. I'm still desperately climbing the corporate ladder.

Me to and I’m 39!

I’m counting the years. I’d bloody love to retire.

Yes. I’m going in 10 years and it seems so far away.

38 and I would love to retire! Oh, the things I will do! Just 30 years left...

Counting the years too. Mortgage is paid off the same year I qualify for state pension. It will be a good year that year.

I would like to retire - but I am unreasonably keen on the income working provides!

Retirement or working less would help me to look after my dad (in his 90's) and take better care of myself.

9 years and counting...

If you will be running a business you won't be retires though? I've run a small business since my eldest was born 6 years ago, it takes less hours than a ft job but most mums drop to pt with small dc anyway. I definitely don't see myself as retired!

I'm 45 and plan to retire in 10 years. My dc will be older but still at home, but I should have more freedom to pursue my own interests and pop out in the evenings. I've built up investments over the past 8 years to enable it, taking on a lot of risk but it's paid off

I felt like this this year so I’ve decided to change my career up a bit, a sort of sideways step. I‘m now more interested and motivated by the prospect of work. I could do a couple of years just counting down but I knew I definitely couldn’t and wouldn’t do 10.

Hell yes. And I’m kicking myself because I spent 6 years working for a company with a final salary pension scheme which kicked in at 55yo. Left to train as a midwife and the nhs pension scheme was also final salary and if you had special class also 55yo. Then while I was a student they changed it to state pension age and career average!

I'm 47 and planning to retire in 5.5 years. I have a spreadsheet with all our savings and investments on it with projections etc.

Yes 100%. I’ve chosen not to move to a larger property so I can pay off mortgage early and plan for early(ish) retirement. For me no work satisfaction matches the joy of having time to myself to do the things I enjoy.

Solidarity @RosieLeaLovesTea

I'm here with you.
i am retiring no later than 60 come hell or high water…

my IFA is very clear 😅😅😅

I’m 49 and can’t wait to retire. We don’t have any children, so the plan is to get some sort of equity release and go travelling and enjoy the money.

I'm also 46 but anticipate needing to work for another 20 years due to my mortgage. My house is tiny but I bought on the wrong side of house price rises.

Same. I'm late 40s. Until a few years ago I was a workaholic and was all about my work. Then I left a really toxic job and suffered burnout. I've changed career and become self-employed and am much, much happier but my perspective has changed. I'm choosier about what work I take on and am very focussed on counting down to retirement.

I was working hard at making retirement at 60 a reality and really looking forward to it. Not wishing my life away, just that I had so many plans.
Mid-50's and my work situation changed which allowed me to leave earlier than expected.
So far it has been everything I hoped it was going to be.😁

I’m also 46 and really looking forward to retirement but will probably have to work till my late 60s. I only work 20 hours a week though and in fact have never worked full time apart from five years in my early twenties (which is partly why I’ll be working till late 60s as I have a crap pension 😂)

I'm hoping to go at 60 in 5 years, and although I love my job, I will have worked for 38 years by then, and that's enough, IMO.

I was mid / late 40s when I realised I had had enough. Started throwing everything at the mortgage, made some plans and a redundancy each made early retirement a possibility. I highly recommend it!

And he doesn't share this with you?!

I’m exactly the same. I’m late 40’s and am planning to retire at 57. Maybe a bit earlier if I can manage it. Mortgage almost paid off. Have been paying extra into pension. I can’t wait!