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Retirement

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Help me not to quit yet

78 replies

tiredofthisshit21 · 18/08/2025 09:18

Hope this doesn't come across as a brag about my pension pot because it's not meant to be. I just turned 56 and set myself a goal of working until the end of next year before I retire. I started a new job earlier this year after leaving a very toxic one where I was made to feel a bit worthless. I nearly quit work at that point but didn't want to finish my career on a low. New job is mainly good if a little challenging starting again with a new organisation in my 50s, but team around me and manager are very supportive. I WFH most of the time. My issue is that I just can't bring myself to care about any of it and I just can't be bothered most days. I do my work to a good standard but I don't put in any extra effort.

Financials: couple of years left on mortgage but DH could cover it if I quit as he intends to work for another 2-3 years before retiring. He earns £70k ish.
£400k DC pension pot, with £5k pa DB kicking in at 60 (mine, not DH's. He will have a modest pension too when he retires).
£100k in ISAs (again, just mine)
No dependent kids

I know that if I kept going for another year or so I would be better off financially as I'd be able to save around another £20k into ISAs, as well as continuing to add to my pension pot and having another year of growth.

Help me to see that it's only another year and I should just stick it out?

OP posts:
tiredofthisshit21 · 04/09/2025 19:02

@OxfordInkling it's all about the money! I'm so shallow.

OP posts:
OxfordInkling · 05/09/2025 06:59

@tiredofthisshit21 nothing shallow about it. Maybe make yourself one of those fundraising style ‘thermometers’ you can steadily increase 📈 ;)

oldclock · 05/09/2025 19:00

tiredofthisshit21 · 03/09/2025 13:40

@oldclock they do continue to accrue interest as you draw down on them.... I've done my research

I didn't say anything about that!

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