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

That's fine. But don't expect other folk to support you.

She doesn't like any work. She wants to do nothing.

I'm lucky - I love my job. I'm realistically in my last decade of working now, and the thought of retiring fills me with horror 😄

Not that I don't have lots of fun stuff outside of work to do, but I just can't imagine not working.

Don't worry, you will wonder how you ever fitted in working once you retire.

YABU, the world doesn’t owe you a living.

I had a go at retiring. I didn't like it. I'm past pension age and enjoy working part time for myself. I enjoyed my last paid job too.

At 31, so do I. But it’s not happening is it?

So I’ll try to maximise my earnings, fill up my pension, overpay the mortgage and with some good planning and good fortune I will consider it for real in about 25 years time.

Im retiring as soon as possible. I like my current job but I have had a job constantly since I was 14 (excluding 1yr in uni) and I am so done.

A lot of people my place of work are older and/or have a better pension so every week there seems to be someone else partially or fully retiring.

Job satisfaction is mildly heritable. Which means it is at least a bit hard-wired. It's very hard for people who love working to understand those who hate is and vice versa.

I have an incredibly rewarding and important job, but honestly, I quite liked working in a call centre as well. I'm lucky to just like working.

If you don't OP, work very hard, save a lot, focus everything on retiring early.

I've seen a few posts of people saying they are absolutely miserable but just plodding forward with the end-goal of retirement in 20+ years. I really want to caution you on this type of thinking. Nobody in life knows how many years of life they will have. When you work a full-time job that is most of your waking day, and if you are miserable for most of your waking day for 20-odd years with the trade-off that you get to enjoy your retirement when it comes one day, you are making a huge gamble. You are taking the risk that you will (A) live that long, (B) be in good health, and (C) not have some life-changing accident or have an issue with your job where you are forced to dip into savings prematurely.

DO NOT trade your happiness today for predicted happiness in the future that is far off. There are no guarantees.

Well but do you have a choice?

Who do you expect to fund you for the rest of your life?

I also want to retire.......maybe at 50, or go part time. By then my kids will be adults, and I ll have less personal responsibility so maybe I ll be happy to continue working, just to occupy my mind. Who knows, I have no need to prove myself to the world, not competing with anyone. I just need to sustain myself and my dependents.

But for most people with dependents or commitments the alternatives are unpalatble.

Sure, Id love to sell up, jump in a caravan and travel the world but my husband cant because of his health and it wouldnt be great for the children who are preparing for their GCSEs. So I am tied down to doing the best I can do. That unfortunately means working full time for the foreseeable future.

I always hated working, too. I did it for the usual reasons but it was lovely to retire.

I am not saying that you throw your responsibilities to the wind and pursue your dreams. What I am saying is that people who expressly work a job they are miserable in with the end goal of being able to "finally" be happy in 20-25 years when they retire are taking a huge gamble that this will actually occur.

What I am recommending is that if you are miserable in your job, find a different one. Work with a Life Coach, or just do some very thorough self-analysis to understand what your calling may be, which is often dependent on personality type, preferred work environment, inherent talents, skills and interests.

Making a career change may seem scary, but it is far better to take that chance and find a job that you enjoy than it is to stick with something that makes you miserable. You will regret it in retirement if you did not make that change and then find yourself too sick, feeble or prematurely aged physically and mentally to enjoy your retirement.

Deferred happiness and a sense of fulfillment is a huge risk.

You do know you don't have to work OP.

Jack the job in and let us know how it pans out

I’m 32 and feel the same 😆 I did enjoy work but after going back after maternity leave it feels never ending

Can you live really really frugally? If you can, quit the job and do a job you might like (there must be something?!) or go very part time. Move to a cheap area, flat share and take smallest room. Get your outgoing down to under £1000/month and you could drop to 50% PT.

Or if you have savings, move to a cheap country and live off savings for a few years. You can live in parts of Central America or South East Asia for less than £500/month. Do that for a few years and hopefully you’ll find some casual work to sustain you when your savings run out.

That’s very sad. You need to find something you love doing. Life is short.

I think I’m like this too. My job can be unbelievably stressful at times, but I seem to get a thrill out of it? Especially after the stressful period has passed and we’ve hit the deadline/finished the project.

I’m lucky in that my job is varied and I am at a level of seniority where I have control over my diary. The times I’ve hated work were when I felt I had zero autonomy (including when I worked in a call centre!) but even then I didn’t hate work to the extreme of what I read about on MN sometimes. I would gladly take a call centre job over being unemployed.

Looks like AI will be taking over many of the jobs we do currently, so maybe you can retire sooner!

I really stepped up my game career-wise, used my free time to get additional and very valuable qualifications (which my employer kindly paid for), got two promotions, and now I earn a lot in a very stressful job (that I love! But I love gardening more!!)

I then maxed out my pension, started investing more heavily in shares (always had some thanks to advice from my dad in my 20s), invested in property, and generally just work off the basis that “Future MsTTT will thank me for this”.

It wasn’t easy and it’s certainly not a path open to everyone, but I was lucky. If I didn’t have the means to do everything I did, my advice to someone would be to maximize the amount you save via your pension. Make sure you’re doing as much as possible to maximize the employer contribution.

Any tips or pointers to some good resources to help @MsTTTplease? That’s a great goal you are working too

Sorry see you already answered ! @MsTTT