at 35 I want to retire

[Oranges836]

Changed name for this post.

35 and sick of working dont want to do it for another nearly 40 years.
Changed job and hate working in any job
dont want to do any job im happy doing nothing

thats it thats the thread

I can understand that. But people have to work. That's how society is built. I retired at almost 67 and I can honestly say I crawled for the last 6 years. As soon as the day arrived, I felt like a huge weight lifted off my shoulders (NHS, totally burned out). I can honestly say that I have not missed work at all, not the job, not even the people. As you have a long way until retirement, you've got time to look around for something different. You need to pay into your pension and also NI so you can stand a chance of getting a state pension, though you probably think there will be no such thing in the future. You can't change the system, you can only change the way you look at it.

From what I have heard... and I have spoke to millionaires who own businesses, they are all losing money. Yes the millionaires aren't struggling, but they are losing money. So the regular working man or woman is definitely not doing well. I know about financial cycles and what public schools don't teach you and you can't argue against the market on how everyone is doing. There is definitely a massive inequality between rich and poor. But be my guest keep paying the rich man's lifestyle thinking YOU are making all the right decisions.

Remember... you don't get wealthy working a job. You get wealthy making profits.

Yes... until Maggie came along and closed all the mines, taking away even that little pride. Oh yeh... the government's doing again... common theme.

This is what people think... you can't change the system... or so they would have us believe. But i bet it would soon change when there is mass unemployment from people revolting and civil war. I mean they don't dare treat French like this because they love a revolution. 😂 funny but true.

This too....
I often wonder if there will actually be jobs that AI can't do when my son is an adult.

a few thoughts - if you are in a low paid hard work job you can improve your job by training / education / getting qualified in something. You dont have to stay stuck in that job. Its not easy changing career but I did it in my 30's - I went to uni and got a degree. There are routes in without A levels. Worth looking into.

However that doesnt mean that you will necessarily love your job in the future. I got lots of qualifications and I am better paid than before I did so, but my workplace teammates are not great - its very cliquey - lots of bitchiness and gossiping about others. So even in a better job I share your sentiments. But I have to continue to pay the bills and work towards retirement.

The final thought is about creating a life strategy to try and plan for retirement - martin lewis has a lot about this, in terms of reducing debts / bills wherever possible and how to earn on the side with side hussles. You could do something about retiring earlier.

I am older than you and more seriously looking at returement. However what depresses me is that my parents died in their early 70's. The way it is looking I will be working unit I drop dead as retirement age gets older and older. So I am planning for reducing my hours and doing a partial retirement in my late 50's so still working but less hours whilst having some retirement income. My point is to get a plan in place to work towards retirement.

How do you expect to live for the next 40 years? I am 38 and had to stop working due to disability and believe me it's hard. I didn't particularly love my job, tbh few do and those who are able to get a job they love are f*ing lucky. But I loved the money that came in that enabled me to spend my minimal free time doing what I love rather than being sat at home, all day, doing nothing because now i have the time to indulge my hobbies, I no longer have the money. Good for you if your partner earns enough for you to not work but don't think for a minute that you will be able to live your life on benefits, if you are entitled to JSA (for being voluntarily unemployed you may not) you have to be looking for work but apparently you won't be, to get ESA you have to have a fit note from your GP, not hard to get but you need a good reason, you wouldn't believe how hard it is to get PIP, even for a clearly disabled person.

It's a cute dream to retire at 35 and not work but think realistically where is the money coming from? Nothing in this life is for free and once you've cleared you funds, running around having fun cos you're retired and you don't have job you will be glad you have the option to get a job.

They said that about computers in the Internet 20 years ago.
I can’t tell you what those jobs will be, But there will be more created than lost if the predictions are correct

The problem is how does a 35 year old have a life on a part time wage, how do they ever get mortgages etc.

exactly!!!I think the average length of time someone lives after retirement is eight years! Not for me! No thank you

I don’t really like working. My job is okay - reasonable money, nice people, quite like some of the work. But, overall I’d rather not be doing it! There are thing I’d like to do a lot more. I’m 39, DH and I are working on overpaying mortgage and general savings, making the biggest pension contributions we can and living reasonably frugally (apart from one nice abroad holiday per year). We had our DC youngish so should be waving them off between 45-50 depending on what they do! Hopefully won’t be late sixties early seventies before I can sack off working.

I actually only hope so for the sake of the next generations future.
BUT computers when they first were around and AI are complete different levels in sophistication. I have even thought I was talking to an actual person, to only find out it was AI.

Well that’s not the real world is it… unless you were born with a silver spoon in your mouth or have the bank of mum and dad to prop you up.
The reality is we are all responsible for ourselves, who do you expect to keep you whilst you do nothing, the tax payer?
Suck it up, it’s called life, and nothing is for free.

But we are aren't talking about millionaire business owners! My partner and have an income jointly of about 75k because we've built careers, we've paid a mortgage for a while so we have a nice house in a desirable area, we travel a lot. We haven't got kids because we didn't want any. We aren't struggling financially! It's about the decisions people make! I've never had a credit card, we drive 12 year old cars. There's a lot of variables in life that govern how much disposable cash you've got! My partner is NHS and I'm.H&S, we aren't rich, we aren't billionaires, we don't sell anything to make a profit, we are just people with a fairly comfortable income and no kids! We've spent years building our careers, taking exams for professional qualifications, that's realistic things that give you a good income!
We have a great life and just travelled to our 59th country, you don't need to be a millionaire to have a good life!

And in plain English, please explain your comment that I'm paying the rich man's lifestyle thing I'm making all the decisions? What does that gibberish even mean? I pay for my own lifestyle and my partner and I make our own decisions and haven't made a wrong decision? You seem very jealous to be attacking my life in such a way! Be less bitter and go and earn more money! Your the kind of person who pops a load of kids out and starts crying when they absorb all your income!

Utter rubbish, millionaires are not losing money. They're finding it harder to make good profits, but they aren't losing it unless they're bad at investing. I only know this as parts of DP's extended family are very wealthy (one owns care homes, another is in politics, another in property investment etc). It's a different world to the one I live in, but they aren't losing money.

I need to go somewhere where I can learn on the job as I can’t teach myself what I don’t know at home and nobody has time to explain. I am looking for jobs but I don’t know what I want to do so feel nervous to quit one job if the next one is not the dream job. The surveys you can fill in at careers service come back with teacher 😂

Get a well paid job that still pays well on part time basis. I was mid 30s too; not every one can get on property ladder these days in expensive areas so move to cheaper areas. It’s called compromise. What’s the alternative - social benefits?

Unfortunately the jobs market is very tough at the minute, I had several months of it when I'm was made redundant last year so I advise against quitting anything until you've found an alternative otherwise you could be job hunting for months.

Don't you think if there was well paying part time jobs we'd all be doing it! Take it from me as person who had over 4 months of unemployment from Sept to Jan, the jobs market is hell right now! There's no picking and choosing, there's no luxuriously paid part time jobs, you can't just try to change career because you are ghosted for applications unless you are an absolutely perfect match to the job spec!

I saw part time jobs in my line of professional work and nobody pays anyone over the odds to work part time and that's the reality! If people want mortgages, to start families to do stuff in life, they need to do the normal adult thing and work full time.

@Profpudding I did struggle to get a mortgage as I was 66 at the time . My mortgage broker shopped around and got me a mortgage with Santander.

This is how I think about it. I feel like we have been infected with the idea that we should love work. Did people enjoy subsistence farming, weaving, baking, etc.? Probably not. Humans have to work to sustain themselves, always have. It's a lot easier now for the lucky of us in the developed world. So I accept it has to be done, don't think about it very much, get on with life.

I also have a mortgage with Santander that runs until I'm 71. I'm really hoping that I'll be able to clear it before then though.

It saddens me to see so many people say they hate their jobs

I love mine, have no wish to retire. Work doesn't have to be a chore

I think the way people treat each other and the sheer stress of work plays a large part. Employers and service users all make your job and there has definitely been an increase in expectation and aggression overall. I dread going in sometimes because you only hear from the people who aren’t happy and it’s never approached in a proactive manner and often whatever you do is not good enough.