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 know how you feel. I ended up medically retired at 39. If you've got enough money then definitely stop working.

For me I didn't really have a choice and have to live on very limited means but it's worth it to slow down the deterioration of my mental health.

I wish you well x

Totally get where you’re coming from. I’m in my early 50s, been nursing since I was 18 & it’s knackering, my back is wrecked. And after 32 years qualified with my original traditional training, then a diploma, degree, & now done a post grad course as a practice nurse I’m on the same money as nurse qualified 2 years. Utterly demoralising

Obviously she has a work ethic or she wouldn't be working. She just doesn't want to.

It will be even tougher with no income at all.

There is something between working extremely hard and slacking off, that's what you want to aim for. I work reasonably hard at my job, do what's asked of me and achieve my targets but I'm not prepared to work myself into the ground to exceed expectations. I do a good job, no better.

I ‘retired’ at 30 but recently went back to work after a 10 year break. I actually love it.

Start putting in plans to retire early. I’m a similar age and aim to retire by 60 latest. We’ve got pensions building up and investments too, as well as savings for our DCs that we’re building.

Oh, I have the perfect motto for this thread! 😁

I enjoyed (most of) my job. I accidentally retired last September and I absolutely love it. I’m busy but it’s all stuff I’ve chosen and if I decide I don’t want to do it, I don’t have to. I an have a lie in if I want, or get up early and shoot off for a day.
I don’t think not liking some jobs is laziness though. And while the OP says she doesn’t want to work at all, it could be because she can’t imagine ever hating it less than she does now.
Actually I think very few people like their jobs better than they like being boss of their own time, regardless of how much they like the job. Maybe creatives, but even then I bet there are times you can’t face it.

I do know how you feel - it can be demoralising that you have to spend so much of your life doing something that you have no interest in. Is there any possibility of finding a job that speaks to some of your interests or activities you find stimulating, even if it's not an exact fit?

I'm 34. I 'retired' at 26. The idea of ever going back to work fills me with horror. You have my deepest sympathies, it is such a grind when you hate your job.

But how do you support yourself?

TO be honest I think the vast majority of people would retire of they could afford to.

I quite like my job. I'd much rather not have to do it though. 🤣

@Jc2001 My husband is a successful business man.

If you can afford it or find some way to do it than all the more power to you OP.

YANBU.

I actually enjoy my job, but after 8 hours of intense focus and having to deal with so many details I am exhausted and unmotivated to do anything else. At least one day of the weekend I just sit there and want to do nothing. 40 hours is just too much, but I can't afford to work less. I already have gap in my pension, I live in a cheap area, but my rent rises sharply every year. I don't know what else I can do to stay ahead of a race I feel like I am losing anyway.

I feel like my entire life revolves around work. I feel so down about it sometimes.

Yeah, I can understand that. :)

This. Do a good job but dont kill yourself.

I take on more because there is genuingely stuff I want to do/have interest in/might be good experience. However most of my colleagues do their job (and they do it well) but do nothing more. We all get the same wage.

Well, from experience, we all go through times like this. But, most of us have to work until we can afford to retire, so we get on with it.

I see you and raise you

I was in a team I liked working with, all different ages, temperaments and beliefs. When I retired/took redundancy, I kept in touch with many of them and have made some strong friendships. It got me through a job that could have been hateful but the banter and comradeship was stronger. Has WFH stopped this from being a possibility?

I was over it at 45.
Now at 57 I have a job I like. 4 days a week. Interesting work. Some weeks are tricky but I have much better context now the end is in sight!. Dd3 will finish uni when I am 62 so plan is to reduce to 3 days at that point and carry on as long as I'm useful/they will keep on paying me!

My friend announced that at 57 he was going to retire, good pension etc.
I cautioned that he may be a little bored but was soundly told off as he had plenty planned.
Within 3 months he had taken another job as doing nothing was soul destroying.
The grass isn't always greener.

I haven’t yet but I will clear three mortgages in 2026 (my primary residence, a holiday home, and an investment property) when another property (the first one I ever bought when I was 21 and “stupidly” signed up for a 100% mortgage- it actually worked out for the best despite a few tough years and I cleared the mortgage on it via regular payments) sells- I’ve had it rented out for the past six years. It’s going on the market next month and I expect to have the funds likely by Q1 next year (allowing for delays) and will clear the other mortgages once I’m out of my 5-year fixed rate mortgage agreements (July 2026 for one, September 2026 for the other two).
Based on location and demand for the property type, even a sale at the lowest estimate would be enough to clear the other three mortgages (LTV for each is under 30%) and leave me with a decent chunk left over that I’ll likely put into pension via an AVC as part of my annual maximisation plan.

I would only clear a mortgage early if it made financial sense to do so. Admittedly, if I took the money from the sale of my house and invested it, I might end up making more than I’d spend on interest if I keep paying the other three mortgages, but when I factor in things like the risk, higher interest rates than my current fixed, and legal costs to potentially change mortgage provider I’m happy to do it.

Another thing I do is take as much of my annual bonus in shares as I can, and my husband does the same. Once I hold the shares for a minimum of three years, I’ve essentially purchased them tax-free and only have to pay CGT on the profits.

Again, I stress that I’m very lucky and know that not all of these options are available to everyone. Same as there are people with vast wealth who are able to do financial things I could never dream of. But, if everyone could do something that would benefit themselves in the longer term, it really does make a difference.

(Also, I just want to point out that I do loads of things other than dedicate my life to making money- I literally do this so I can retire early and comfortably. I have no intention of dying with millions in the bank. I have hobbies and family and friends, travel a good bit and do loads of lovely things- I’m just fortunate that I have a good income that allows me to focus on the future).

I'm older than you but I agree, I have bought a lottery ticket for tonight