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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Aibu Retiring at 55 - 30 years of idleness?

567 replies

Scotsknowbest · 15/04/2026 23:19

So this is the thing: so many local friends have given up working in the last few years in their early to mid 50s, aibu to think what on earth are you going to do to stay interested and interesting?
I thought perhaps they would shut the house up and set off on a big trip but holidays have been more like 2 weeks in Greece instead of one.
I thought perhaps they would volunteer but that seems too restrictive for them.
I thought some might use their professional skills to join executive boards as NEDs or in advisory roles. But no.
Some have upped their golf or tennis, some are focusing on the garden (what, every day?) some walk the dog, read the paper.
I just think they will become so boring!
In contrast I caught up with 3 old school friends this evening who I see about once or twice a year. I asked them when they thought they would retire and each thought mid 60s.
Many of my friends have inherited recently and I think this has been the nudge. I have also inherited but I don't feel any different!
Just for context I am 57, work in 2 roles, one executive, board level, one professional but different area (social work) which takes me to about 4 days a week but I also run 4 properties as a landlord and have an aging dad who lives a mile away who I help with admin, appointments, organising stuff. I also have 2 grown kids the youngest at uni, 1st year. So, not as busy as when I worked and had little kids, but pretty busy in a good way. Personally I can't imagine stopping working so aibu, is 50to55 simply too young to be retiring even if the catalyst has been a windfall inheritance?

OP posts:
Lastgig · 17/04/2026 07:43

HeddaGarbled · 17/04/2026 01:20

Just to add, I retired at 58, am now 66 and these have been my happiest years since university.

Agree. I wake up and don't dread the day. I think about breakfast before I eat it and I do my correspondence.

I loved my career until post COVID toxicity crept in. People seem to have forgotten their manners. Men especially so.

I use to earn big money but I don't need anymore handbags, jewellery or clothes.
As soon as I've sold my house I'll be happy as a pig in s*it.
Life is for living and when you think that's all folks ask yourself are there any pockets in a shroud? (My mother's favourite saying).

PinkyLincs · 17/04/2026 07:45

Not sure why it bothers you so much. Jealous? That's how it comes across. If people can retire early and live their best life doing what THEY want to do then good on them. It's really none of your business tbh. What you consider boring and what they enjoy are two different things. They probably feel sorry for you and the stress in your life (of which there will be some when you are juggling so much).

We all have one life to live so instead of criticising other people's life choices, why don't you concentrate on yours.

Oh and lose the green eyed monster and try and be happy for your friends.

User3456 · 17/04/2026 07:49

Nothing but jealousy from me! I am 55 and have friends who are starting to retire.
I am so done with work but will likely be working until I am 67. It doesn't help that my boss is awful of course....

User3456 · 17/04/2026 07:52

Lastgig · 17/04/2026 07:43

Agree. I wake up and don't dread the day. I think about breakfast before I eat it and I do my correspondence.

I loved my career until post COVID toxicity crept in. People seem to have forgotten their manners. Men especially so.

I use to earn big money but I don't need anymore handbags, jewellery or clothes.
As soon as I've sold my house I'll be happy as a pig in s*it.
Life is for living and when you think that's all folks ask yourself are there any pockets in a shroud? (My mother's favourite saying).

Yes. In fact this is likely to do with the effect that covid infection has on the brain
https://www.infectioncontroltoday.com/view/understanding-impact-covid-19-personality-brain-function-grim-reality-wake-up-call-

Understanding the Impact of COVID-19 on Personality and Brain Function: A Grim Reality or a Wake-Up Call? | Infection Control Today

Understanding the Impact of COVID-19 on Personality and Brain Function: A Grim Reality or a Wake-Up Call? | Infection Control Today

Opinion: Kevin Kavanagh, MD, examines a summary of studies on how COVID-19 may damage the brain's frontal lobes, alter personality traits and cognitive functions, and potentially reshape society's dynamics.

https://www.infectioncontroltoday.com/view/understanding-impact-covid-19-personality-brain-function-grim-reality-wake-up-call-

PinkyLincs · 17/04/2026 07:59

ToffeeCrabApple · 16/04/2026 00:48

Ive thought for years that if I could afford to retire from my "proper" (stressful high paid) job in my mid/late 50s I'd like to do things like:

  • be a magistrate (ive got a professional background that would make me a decent candidate for this)
  • try and get elected to the local county council
  • volunteer at local primary schools to either hear kids read
  • offer to run (for free) afterschool music groups such a school string group or choir (ive got relevant skills & dbs checks & experience as a registered chaperone for child performers).
-volunteer with citizen advice bureau (again ive got professional expertise that would be really valuable in that capacity)

For me retirement didnt mean giving up work. It was more about not being responsible to an employer and being able to organize my own day and time as I saw fit.
I feel like this about it

I volunteered at the CA for 6 years. Over 200 people applied for my job. When I started I found it very rewarding but towards the end it was just so frustrating and bureaucratic.

Reallyneedsaholiday · 17/04/2026 08:02

I can understand doing a job you love and not wanting to retire. But why would you think that someone else doing what they want to do would make them “boring”? I can’t think of anything worse than being friends with someone who droned on and on about their day job, and their day job is the only thing that has changed.

Lastgig · 17/04/2026 08:17

It's interesting that a previous poster mentioned giving younger people a chance. I was an MD/ CEO for thirty years. I'm sixty.
I got a call a few weeks ago for a role in London and I asked re the competition. I know the other candidates were 40/45. And I thought you know what they need this job (school age DC and career markers to make). I'll just be doing it for the money. I didn't want the commute, the stress or the politics.

Before the politicians buggered up retirement ages women retired at sixty for a reason. Elderly care and helping the children with childcare. It was doable because people weren't burnt out. You're a bit too old at 67 to do much childcare. I dread the thought as I'm too disabled to be of much use. Now we have a social care crisis as there is no one to help. I wish these daft buggers in policy making looked at the total picture.

Men if in the professions retired at 55-65. Professional men also tended to have had a more comfortable home life with lots of jobs done by others ( cleaning, property maintenance etc, SAHW).

SlightlyHeartbroken · 17/04/2026 08:31

Healthy Lifespan in England for women is around 62 years. I think having a few good years is a good idea. There is the idea of three phases of retirement, go-go, slow-go and no-go…

https://www.gov.uk/government/publications/mortality-insights-from-gad-december-2024/mortality-insights-from-gad-december-2024

Chocolatebunny61 · 17/04/2026 08:36

What about those of us that are unable to work because of medical conditions? Are we boring too? The problem is that if you get ill in your late 50’s and early 60’s then no employer wants to know and you actually end up not having a choice about not working.

Lkt32 · 17/04/2026 08:39

I could easily fill all my time without work, with things that I am far more interested in doing.
I'm not sure I am an interesting person anyway, but if I am, it definitely isn't work that makes me interesting.
If you love your job, then great. For a lot of people they would rather be doing something else.

My Mum died in her 60s, one year after retiring. They had plans but that year was mostly spent battling cancer. They didn't get to do any of their plans. I'd never be assuming I've got til my 80s. Life doesn't always work out like that and if you've got things you'd rather be doing than work, and you can afford to do it, then why not?

Thechaseison71 · 17/04/2026 08:55

User3456 · 17/04/2026 07:52

Yes. In fact this is likely to do with the effect that covid infection has on the brain
https://www.infectioncontroltoday.com/view/understanding-impact-covid-19-personality-brain-function-grim-reality-wake-up-call-

How does that apply to people who lost their manners yet weren't infected

burnoutbabe · 17/04/2026 09:31

cardibach · 16/04/2026 15:15

@LoremIpsumCici
Yanbu of course if someone is healthy and has no caring responsibilities retirement will get boring very quickly
Of course? How do you arrive at that conclusion? Why would retirement be boring? You can do whatever you like (money is a constraint as ever, but many fun things are free or cheap). It shows a massive lack of imagination and sense of self to think that ‘of course’ a retired person would be bored.

Edited

I do occasionally get bored with my semi retired life but you know what, work also bores me at times (and I work for a fast paced start up 1 day a week) when it’s routine compliance stuff.

but if I am bored when not working then I can just shake myself out and plan a trip to cinema or find a new tv box set or book or whatever I fancy. Work I am forced to do whether bored or not. Rest of time I can choose to be bored or go and do something else. Or just YouTube all afternoon then plan something for next week!

godmum56 · 17/04/2026 11:24

HeddaGarbled · 17/04/2026 01:16

many retirees make the stroll to the newsagents and the pot of tea last as long as possible whilst thinking how the hell do I fill the next 5 hours let alone 5 years

Is that true though? Is that actual fact or just a cliché? I can see that it might be true for the lonely elderly who have lost their spouses and friends, but not for people in their 50s & 60s who have made a conscious choice to take early retirement.

I'd love to know where the person who posted your quote got their statistics from. I do get that loneliness can be a serious problem for some retired people and that retirement is much easier with a comfortable income. I'd also like to know why "just being" doesn't come with plans and activities? To me "just being" is about exploring and manifesting my inner me in a way that wasn't so possible when I worked.

juice92 · 17/04/2026 11:39

My in-laws both retired in their mid-50s. They are now early 70s and are really happy. They have done a fair bit of travelling (although that has slowed down a little in the last couple of years), have done loads of stuff they wanted to do to the house and garden, and spend a lot of time with a good group of friends.

You never know when you could die or how much time you'll have where you will be well enough to do some of these things. So if you can afford to do them ,then why not?

blossombranch · 17/04/2026 12:46

thornbury · 16/04/2026 05:58

I'm planning to retire at 60, in 2 years time. DH just got a diagnosis that means he probably won't be alive to retire with me, so all of our plans and savings were for nothing other than a financially secure very much unwanted widowhood for me.

@thornburyi am so sorry. i am 4 years younger than you but in the same position otherwise. It’s so hard. I can’t believe how quickly my unspoken expectations and plans for the future have been be snatched away. Good health truly is your wealth, but you don’t appreciate it until it gets taken away.

cardibach · 17/04/2026 12:54

HarrietBeat · 17/04/2026 00:30

Yes, that's a real shame isn't it because this is a really interesting thread with many different views

I don't think it's balanced though as it's overwhelmingly positive about early (and regular age) retirement. But some people really struggle with endless leisure time and retirement feels like a prison rather than freedom.

Whilst this thread is full of crafting, holidaying, journaling gardeners, in real life many retirees make the stroll to the newsagents and the pot of tea last as long as possible whilst thinking how the hell do I fill the next 5 hours let alone 5 years.

Do they? I don’t know any who do. When you become frail I can see it could be boring but that’s a good reason to retire while you are still fit and active, surely?

godmum56 · 17/04/2026 12:57

cardibach · 17/04/2026 12:54

Do they? I don’t know any who do. When you become frail I can see it could be boring but that’s a good reason to retire while you are still fit and active, surely?

me either. And I still wonder where that poster got her statistics from?

cardibach · 17/04/2026 13:01

User3456 · 17/04/2026 07:52

Yes. In fact this is likely to do with the effect that covid infection has on the brain
https://www.infectioncontroltoday.com/view/understanding-impact-covid-19-personality-brain-function-grim-reality-wake-up-call-

Blimey that’s a scary read!

Nanny0gg · 17/04/2026 13:05

PhaseFour · 16/04/2026 00:03

My mum gave up work at 41, my dad retired at 50, but then worked as and when someone wanted a kitchen / bathroom fitting or some decorating doing.

They are now 76 (mum) and 79 (dad). If my dad isn't doing DIY, he's watching TV, unless he goes food shopping. After some light cleaning, my mum sits on the sofa all day, day after day and watches TV.

It's infuriating, and such a waste. They are absolutely minted, but won't spend any money doing anything interesting. They will shop for food, and that's it. Tragic really.

If I was fortunate enough to retire now, I would reduce my hours, but not give up work completely. My job is sociable, challenging and rewarding, and I work with some really interesting people. I wouldn't want to lose those benefits.

Are they happy or have they just had enough?

I am mostly busy but at least now I can choose what I do. And if that's nothing...bliss!

cardibach · 17/04/2026 13:17

Thechaseison71 · 17/04/2026 08:55

How does that apply to people who lost their manners yet weren't infected

I reckon most people were infected but some showed more symptoms than others. I know people who were in jobs which required weekly testing who tested positive with no symptoms at all.

HoppityBun · 17/04/2026 13:21

SlightlyHeartbroken · 17/04/2026 08:31

Healthy Lifespan in England for women is around 62 years. I think having a few good years is a good idea. There is the idea of three phases of retirement, go-go, slow-go and no-go…

https://www.gov.uk/government/publications/mortality-insights-from-gad-december-2024/mortality-insights-from-gad-december-2024

I remember an elderly man saying that to me. He added “and I’m now in the third phase. I recognise it and I don’t like it”.

PomegranateVase · 17/04/2026 13:32

I’m 40 and if I could retire today I would.

There are so many things I could be doing with my time: spending quality time with family and friends, helping my parents, having more time and energy to invest in my children, voluntary and community work in which I can make a difference, making my own clothes, keeping on top of housework (including having a full clear out of my house) etc.

With the cost of our mortgage and cost of living I will not likely retire until I’m in my 70’s.

Allseeingallknowing · 17/04/2026 13:35

RebeccaRedhat · 16/04/2026 21:34

I retired at 42 and bloody love it! I gym every day, take my mum shopping, get my hair done, facials, meet friends for lunch, walk my dog, keep on top of all my house work so when my husband finishes work and the kids are home from school we have a delicious healthy home cooked meal to enjoy together. I can't holiday exteavagantly as my youngest is still in primary school and older 2 are in high school doing exams for the next couple of years, but we have weekends away and holidays when we can. Whenever our aging parents have hospital/drs appointments I'm available to take them. It just works.
I don't really care if people think I'm boring or that I'll get bored. I love my life right now, and all that matters is that me and mine are happy and healthy. I've never been happier or healthier so I would say it's working out perfectly!

How could you afford to retire at 42-lottery win? Inheritance?

Thechaseison71 · 17/04/2026 13:47

cardibach · 17/04/2026 13:17

I reckon most people were infected but some showed more symptoms than others. I know people who were in jobs which required weekly testing who tested positive with no symptoms at all.

And I know people the same with weekly test you never showed positive. Didn't stop them getting attitude

I had plenty of tests. Not one positive.

IAxolotlQuestions · 17/04/2026 13:47

Allseeingallknowing · 17/04/2026 13:35

How could you afford to retire at 42-lottery win? Inheritance?

I’d suspect working in the City and not splurging. Part of me wishes I’d stuck it out for a few more years as then I could retire at 42.

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