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Share your dilemmas and get honest opinions from other Mumsnetters.

at 35 I want to retire

399 replies

Oranges836 · 10/06/2025 14:12

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

OP posts:
MyLittleNest · 10/06/2025 16:49

You need to do some soul searching and figure out something you care about and then look for a new job in that field. You may also be burned out. But sitting around and doing nothing for the next 40 years won't bring you happiness or fulfillment either.

Motheroffive999 · 10/06/2025 16:51

I feel the same .I want to live in a tiny house and stay at home all day , husband tells me I would hate it

ilovesooty · 10/06/2025 16:52

MerlinsBeard1 · 10/06/2025 15:35

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

No, not in my view. Of course she's working because she has no choice, but she's whining about doing any kind of work in her mid 30s, because she says she doesn't like it and would rather do nothing. It seems that if someone would fund idleness for her that's what she'd do.

Chungai · 10/06/2025 16:52

Profpudding · 10/06/2025 14:19

Have you looked into the fire movement?
It stops me in my tracks every time I want to order a new pair of UGG boots or a new pair of gazelle’s which I don’t need, but I would quite like
I think to myself am I Prepared to spend an additional eight hours of my life at work for a pair of shoes
Versus being at the beach
Nine times out of 10 the beach wins

How does this work if you don't buy new shoes?

Honestly the only thing I really spend money on is food and experiences. All my clothes are old or dirt cheap from Vinted.

Cherryicecreamx · 10/06/2025 16:56

Yes I am yet to find a job I love. That I actually want to wake up and get ready for. It bogs me down and I look at other people in awe wondering how they do it day in and day out and they don't seem to have such a problem with it as I do!
Every time I've had a break from work, slowly the things I like doing dry up so I have to look at it as a means to getting what I want/having the lifestyle I like.
If you can, try and keep saving to take a gap out. Other than that, I'm with you that it can be one hard slog!

PopstarPoppy · 10/06/2025 16:58

I don’t think many people would work if they didn’t have to (I certainly wouldn’t!), there’s a reason why people are paid to do it! Unfortunately that’s life. I don’t think it helps that young people aren’t given a realistic understanding of what working life entails. When I was at school, it was hammered into us that if we worked hard we could have a job we ‘loved’. I think it was massively missold, what they really meant was a job that’s relatively rewarding as far as work goes. It’s very rare that you’re going to enjoy your work as much as your hobbies or holidays. Too many of my peers took it literally, then made excuses not to work because it wasn’t the kind of work they wanted.

Dramatic · 10/06/2025 16:59

Totally get it, I'd never work again if I could. Some people really love working and find something they really enjoy. Unfortunately the things I enjoy don't pay so I'm doomed to a life of work making me miserable 😫

Profpudding · 10/06/2025 17:08

Chungai · 10/06/2025 16:52

How does this work if you don't buy new shoes?

Honestly the only thing I really spend money on is food and experiences. All my clothes are old or dirt cheap from Vinted.

Something has to change that’s the reality of it.
You either need to learn more or save more
But you can’t go on like that.
and I definitely don’t think you should cut down on food or experiences because let’s face it. Any one of us could get hit by a bus tomorrow.
What can you do to strive to earn more money?

Swirlythingy2025 · 10/06/2025 17:09

personally i want to be a billionaire, play the stock market, rub shoulders with the powerful and influential.

the reality working an average job

blueshoes · 10/06/2025 17:10

Lioncub2020 · 10/06/2025 16:49

You need to marry rich like the old days.

Marry a rich man and you will earn every penny

Praying4Peace · 10/06/2025 17:12

MsTTT · 10/06/2025 14:20

What are you doing to make your dream of retiring early a reality, OP?

I’m 42 and plan to retire at 50. I was around your age when I started putting serious plans into place. It’s not easy but can be done- it does takes discipline.

And impossible for the majority despite hard work and sacrifices.
Important that we are realistic

rugmuffin · 10/06/2025 17:13

I get where you are coming from. I spent 30 years doing a job I hated and wishing away every week. At 55 I am now retraining in something totally different. If I hate that too then I will retire. It's only now that I can afford to do something different. I wish my life had been different to be honest. If I had my time again I would have found some way out.

cardibach · 10/06/2025 17:14

purpleleotard2 · 10/06/2025 16:00

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.

Why was he doing nothing?
I’m retired. I’m definitely not doing nothing. I love it. People pushing the idea that retirement is boring/soul destroying are confusing to me. It’s saying they can’t think of things they want to do themselves, that they need someone to tell them what to do and perhaps that they have no self worth beyond a salary/job title.

WitchHag · 10/06/2025 17:15

It took you till 35!

I’m in a weird stuck position. I got a job and accidentally made a successful career in something I hate! Earn too much now and have a Mortgage etc etc to go back to the beginning, work wise.

But the thing is, I hate it. I’m miserable as sin for every second I’m there, the fact my colleagues are lovely doesn’t help. The idea of being there for years brings a depth of sadness to my soul than I just don’t have the words to express. And no, I won’t earn the same and certainly won’t get the same benefits somewhere else, it’s this or a massive lifestyle downgrade and an uncertain pension.

Im luckier than most, which on a good day helps and I try and pay it forward, but on a bad day horrifies me completely as I wonder how miserable we all really are, quietly.

Ariela · 10/06/2025 17:15

@ForeverDelayedEpiphany Out of interest do any of the new AI type tools allow you to be read to or to write down your speech to assist you in this ? (Maybe there's a book in you?)

blueshoes · 10/06/2025 17:16

@anitarielleliphe I am a creator at work and a maintainer at home. Home is how I de-stress from a high stress job solving problems and motivating people.

madaboutpurple · 10/06/2025 17:19

Would you be able to reduce your hours as it sounds like you are exhausted. ?You might enjoy your job if you were doing it for less hours.

cardibach · 10/06/2025 17:19

ThriveIn2025 · 10/06/2025 16:28

There’s more to work than money.

I always worry that if I stopped I’d get dementia, so even though I can afford to retire I choose to keep working. Maybe that’s why I still enjoy it though… I have a choice.

That’s a weird fear. There are other ways to keep your mind active…

Newmeagain · 10/06/2025 17:23

Just to add that it’s good to look at things like getting new qualifications, having a career change, etc. That is all good advice. Saving is good too.

But it’s really disingenuous to suggest most people can retire really early just by working harder, saving more, etc.

SunnyViper · 10/06/2025 17:24

I retired at 48. One of the best things I’ve done.

Ariela · 10/06/2025 17:25

I've never done a job I didn't enjoy, nor applied for any jobs I've taken since 1984. Only started working in 1978! Always had people approach me and say 'think you'd like this' and I've had a varied career around the country and loads of responsibility, some with very high commission others with massive bonus.
Absolutely adore my current mundane but very hands on everything office manager-y type role I have now - was chatting to a mate who said 'I know someone looking for one of you, can I give him your number', the interview was more of a chat over a coffee than anything formal and it's pretty local so can drop home to let out the dog etc no problem. No two days ever the same, work with a lovely small crew of truly great people, so always fun fun fun and it's very flexitime too - so drop of the hat day off tomorrow because the sun is shining and I have a motorbike to ride (it's going to the mechanic's as has developed a little issue). Can see me carrying on till way past 70 despite pensions just because a) it's fun b) gets me out of the house and absolves me of a certain amount of household chores (DH now more-or-less retired) c) it's a good social life on the side too - do more things that I would otherwise.

However a teeny bit of me wishes I'd have had a more interesting perhaps an academic career, or perhaps something in science or medicine, or even something skilled and creative like leather worker/saddler or silversmith.

Pluvia · 10/06/2025 17:34

scotchbonnetface · 10/06/2025 14:36

Oh god I feel the same! I can’t do this for another 30 years 😭😭.

The people I know who've managed it have done things that most people won't do, such as:
Had lodgers, sometimes more than one, and used all the income from that to overpay their mortgage.
Taken second and even third jobs. We have a husband and wife floor tiling team locally, who only work weekends. They trained at the local FE college to learn hot to do it properly. They laid my slate kitchen-diner-utility-porch slate floor in a weekend and cleared £1000+. Do that 12 months a year and invest the money in your pension fund and the government effectively returns the tax you'll pay on it.
Have no-spend or minimum spend weeks and even months. No money for coffees or lunch out, no takeaways, no pub, no gigs. Live off the accumulated contents of your fridge, freezer and store cupboard.
Run a doggie homestay: £30-£50 a night for looking after someone's dog while they're on holiday.
Rented out their home on Air BNB and similar. Where I live (coastal area) lots of people vacate their homes for a week or two or longer during the summer. Some people live in camper vans while their house is being rented out, others house sit or move in short-term with friends or relatives.

FIRE is outlined here:
https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp#:~:text=What%20Does%20FIRE%20Really%20Mean,or%20gaining%20more%20financial%20freedom.

Financial Independence, Retire Early (FIRE): How It Works

Financial Independence, Retire Early (FIRE) is a movement dedicated to living frugally to retire at a young age. FIRE devotees aim to save at least 25 times their annual expenses.

https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp#:~:text=What%20Does%20FIRE%20Really%20Mean,or%20gaining%20more%20financial%20freedom.

Oranges836 · 10/06/2025 17:37

thx all Im just having a moan

i live in crappy semi detached house where I can hear the neighbours tap

OP posts:
Redlightbulb · 10/06/2025 17:45

I get it.
I am 40 & have felt this way for a while.
What I have done is try and put as much in my pension / savings as possible to give me flexibility later on.
I doubt I will be able to retire mega early but I hope ASAP after 60.

Itsallabouttea · 10/06/2025 17:47

manicpixieschemegirl · 10/06/2025 16:44

Oh God I totally understand. The 9-5 corporate life is utterly soulless and depressing. I really resent having so much of my time taken up, and being at the mercy of managers I quite frankly don’t like or respect.

I’ve worked out that I need to a) be doing something meaningful and b) have full control and autonomy. I just can’t pin down what it is I want to do - it’s like I’m waiting for the day I finally realise my purpose in life. Either that or a lottery win!

You are me 😆 I feel exactly the same, the corporate bollocks, targets and performance reviews, all of it just does my head in. Unfortunately I don't have a trade or particular skills and there's already enough dog walkers in the world so I'm a bit stuck!