ECON Retirement Versus Enjoying Your Job and/or Life

dstraito

TB Fanatic
The threads on retirement got me to thinking about how much we do because we have to versus how much we do because we enjoy it.


Seems to me, at least in my life I have done a lot more have-to than enjoy scenarios.


I have worked for large Corporations all my adult life. The larger the corporation, the more arbitrary and questionable decisions seem to get made.


Turning 60 recently I have been reflecting on life and the quality of life. I stayed in a corporate job for the first 12 years of this century that I did not enjoy. No, that would be putting it mildly, I did not like it. The higher up the food chain a person got, the more they exemplified the Peter Principle of living up to their incompetence.


After getting laid off in 2012 and not being able to find a job or even get an interview I bought a franchise and while the franchise is slowly growing, the health care costs were sinking us. We decided DW would run the franchise and I would go back to corporate America for the salary and health benefits.


I see now that was a mistake. I placed myself in a position that is even worse than my 12 year tenure at another company. The company is so large and their attempt at centralization of IT functions has been so poorly implemented that there is no possibility of job success or satisfaction. I gave notice and Friday the 8th is my last day on the job.


Life is too short to dread going to work. Yes, I have family responsibilities but they have assured me they would rather have me around than live off the life insurance without me. Working at something you know is inferior and you don't enjoy for so long is a good recipe for bad things to happen.


I just got back from my yearly physical and I have high cholesterol. I have gained weight because I dealt with stress and the unpleasant aspects of my job by comfort eating.


Friday, that all comes to a halt and I am going to start my diet and exercise program and while not having enough money to retire, I'm not going to compromise and work at a slightly higher paying job that I can't stand.


I'll start by working at the franchise for a few months and trying to get it built up more, maybe even to the point where we have to hire help. That will probably be double the hours of my corporate job but I know I will enjoy it more. If the revenue is not sufficient, I imagine I will continue to search for a job that I can perform well and at the same time, enjoy or at least not dread.


I knew a change was necessary when I found myself hoping TSHTF situation would happen just so I wouldn't have to go back to the job I hated so much.


My dad died at the age of 69 and it made me think, "If I only had 9 more years to live, what would I want those years to be like."


The answer was NOT working at a corporate job that eats your soul.


My first job out of college was working for a defense contractor. As I was walking up the steps all excited about the prospects of actually making money, an older gentlemen was walking down the stairs. He shouted "freedom" and even though this was before Braveheart, I now remember that as a Braveheart kind of moment. Unfortunately, this man's last day after 40 years of working for this company was cut short as he fell to the ground clutching his chest. He had a heart attack and died on his way out the door.


People don't have as a regret on their deathbeds "I wish I'd worked more"


Life has to count for something more than survival. It should be a growth experience. It should be filled with wonder for the great and the small nuances that make it so fulfilling.


I've been praying every day for a solution so I can not only take care of my family but enjoy my life more. I was driving in my car ending my prayer with the thought, "Please show me a sign, illuminate the path, LORD."


I came to a stop light and noticed the license plate on the car in front of me. It said "Life is Good" at the top. Down below it said "Enjoy what you do! Do what you enjoy!"


How appropriate that message was for me at that point. I went to my boss the next day and tried to restructure my job where I could perform tasks utilizing my many years of experience instead of being in a front-line support situation that a first year person could perform. My boss while sympathetic was unable to accomplish restructuring my job so I gave notice after a few weeks. My last day is in two days. I thought I would feel the burden lift off my shoulders, at least temporarily, but as that day approaches the weight of responsibilities is displacing the weight of job un-satisfaction so that there really hasn't been much relief.


That being said, I am convinced I am doing the right thing, there is no reason why with the skills I have acquired in 60 years on this earth, I could not only be an asset to a potential employer, but I could work in a position that would provide the satisfaction of a job well done, knowing that my contributions mattered and I was not just a drone in a meaningless repetitive existence.


To those readers that made it this far in this long reflection, I thank you. I suspect many can relate to much of what I have said. Know that it is never too late to make a change in your life for the better. I saw a picture with the caption "Growth is Painful. Change is painful. Nothing is as painful as staying stuck somewhere you don't belong."


I can relate to several who had the country dream. I share that dream of living my life out on a modest piece of land with animals and a nice garden. I also fear that my physical condition might be a deterrent to being able to do that long term. I'm hoping that getting more physically fit might make the reality of entering that lifestyle in two years possible. If not, I'll have to chose an alternative, but it will at least be in some sort of situation that I will enjoy.


My dream would be to work this property with the animals and the garden and also have time to do my metal sculpture with welding and black smith work. I really enjoy being creative and having people marvel at some of the concepts I have done with my art.


It is not too late to follow a dream.
 

Attachments

  • GrowingChangingStaying.jpg
    GrowingChangingStaying.jpg
    56.2 KB · Views: 280

Huntur

Contributing Member
Hey... Great Post! I dont participate here often but that one I could very much relate to as well. If you really enjoy what you do, you will never work another day in your life.
 

Hognutz

Has No Life - Lives on TB
I knew a change was necessary when I found myself hoping TSHTF situation would happen just so I wouldn't have to go back to the job I hated so much.

I have thought the same thing........:(.


Good post too.
 
Last edited:

Giblin

Veteran Member
dstraito, back in 2008 when we were both unemployed I crunched the retirement numbers and found we could not retire in our CT 'retirement dream home.' When DH went back to work his assistant was gone and so was his secretary. He put in the 12 hr days for 5 years and when he got to the magic age he retired and we came south to SC. We did this basically for the reasons you stated and the fact we wanted to spend quality time together. My one word of advise for anyone relocating in retirement is to do your homework. We love the place we settled into but there are many retirees we've met that have sold everything, moved, and 6 months later regretted the climate, house, community, people, etc... and went back.
 

Tweakette

Irrelevant
>>I knew a change was necessary when I found myself hoping TSHTF situation would happen just so I wouldn't have to go back to the job I hated so much.

Omigod. I could have written this exact statement.

Great post and a wakeup call. I am very close to pulling the parachute cord in my own life to get out of where I am but like you I can't afford to retire. And I'm only 49. But I just can't do it anymore, the stress and BS I have gone through in the last 8 years is killing me.

Tweak
 

China Connection

TB Fanatic
Well I am working for three days a week in a factory. I got the job a month back. Local unemployment is at 25%. Most locally don't make much. Living expenses are high.

I like the crowd that I work with. Job is boring but it's a job.

Life hasn't been that boring but as I have done lots that interested me. Last three years in China but was for university that wasn't into teaching their students just taking their money or at least their parents money.

I think things are going to get a lot tighter. I have 15 months left to retirement. Life should get interesting then. I am currently really enjoying bible study and being aware of the Holy Spirit in my life. So life is good.

Currently trying to get my car fixed up as best I can.
 

dstraito

TB Fanatic
dstraito, back in 2008 when we were both unemployed I crunched the retirement numbers and found we could not retire in our CT 'retirement dream home.' When DH went back to work his assistant was gone and so was his secretary. He put in the 12 hr days for 5 years and when he got to the magic age he retired and we came south to SC. We did this basically for the reasons you stated and the fact we wanted to spend quality time together. My one word of advise for anyone relocating in retirement is to do your homework. We love the place we settled into but there are many retirees we've met that have sold everything, moved, and 6 months later regretted the climate, house, community, people, etc... and went back.

That is good advice. Right now we have our eye on moving to Hill Country in Texas, somewhere between Austin and San Antonio. DFW has just gotten too crowded.
 

topcat46

Inactive
Three years ago I decided to take my retirement because I could no longer stand the bozos running things and my job duties were going to significantly change (among other things, clean-up a large system config mess others had made and were not held accountable for).

When asked, my advice to people on whether to retire is don't retire if you like what you do unless you are going to do something you'll like better. That could be different work or hobbies. Just don't sit idle.

I have found some people are hostile towards people who have retired (even though I do some work on the side now and then). I don't ever mention to anyone that I am retired and say I mainly work from home (which is true at times). I have a neighbor lady who regularly complains that her husband won't get to retire anytime soon which always sounds like anger towards me for "not working".

I would go back and work full time if something came along that I thought I'd really like.
 

rafter

Since 1999
You never know how much time you have left. We are so programmed to work, work, work. My DH suddenly had COPD, Pulmonary Fibrosis. Our lives changed overnight. Both of us had great jobs at Grand Canyon...suddenly he can't work, and now he can no longer stay at high elevations. That means I also now must quit and look elsewhere. My plans was to work till 66. Now I'm seriously thinking about going out at 62. I go in to SS office in Dec. to check out my options. There is sometimes more to life than money.
 

Attachments

  • 10570418_10152309050793581_207159383605707535_n.jpg
    10570418_10152309050793581_207159383605707535_n.jpg
    35.3 KB · Views: 200

nomifyle

TB Fanatic
I shout from the roof tops that I'm retired, but then I have no near neighbors to complain. I'm so blessed that I had a place to retire to where I lived part time when growing up. It was like coming home. Everyone around here is either a cousin or married to a cousin, very few strangers. I was always a bit different than my country peeps but they accept me as I am, if someone around here doesn't they can kiss my @$$. I am not interested in working for anyone but myself and my new love. We live on a fixed income, but we will manage. As I said, I am so blessed to have such a good life later in life, just about makes the misery I had for 45 years working in jobs that I didn't love and a 35 year bad marriage worth it to have what I have now.

Judy
 

imaginative

keep your eye on the ball
My first job out of college was working for a defense contractor. As I was walking up the steps all excited about the prospects of actually making money, an older gentlemen was walking down the stairs. He shouted "freedom" and even though this was before Braveheart, I now remember that as a Braveheart kind of moment. Unfortunately, this man's last day after 40 years of working for this company was cut short as he fell to the ground clutching his chest. He had a heart attack and died on his way out the door.

Wow.

Enjoy what you do- live simply & be grateful for each day are my mottos. Don't chase their dream- rather create your own
 

Ta-wo-di

Veteran Member
I also can relate. I will be turning 65 in a few months and have just returned from a two week vacation. My first thoughts upon returning were " I can't do this anymore". I love woodworking and creating things but struggle to find the best outlet from my items that will still bring in some income. The unfortunate part for anyone in this situation are the healthcare costs. That is where they have you by the short hairs.
 

wintery_storm

Veteran Member
Retire asap you can

Hubby did it at 55(he is 59 now). Yep Corporate life is Very Stressful and he said he could not take it anymore. We took a 75% income reduction with a small pension. Yes he was paid great but money is not everything. We married young and the kids are all gone so I had not problem with him retiring.

Like one poster said There are People when they find out you Retired Early or Retired that are Very Hostile towards you. We found that often. These were mainly family members who did not save at all for Retirement or took out their 401K money and blew it on something throughout life. I also have sister and brother in law that are workaholics (12 hour days no issue) and they made issue with DH retiring early. These are the ones that will work until they die but they own a Business(55 mini market stores) and they love all their TOYS,Boats, cars, golf trips, Trip to Vegas). So they keep working because they have to pay for the life style.

Me and DH- Well we are happy without the latest gadgets. We are thinking of going South because of cheaper taxes but that will take much research.

By the way DH saw many of his co-workers die from heart attacks at work. He is now happy to work around the house all day. Being in the country we always have work. It is a good life.
 

SquonkHunter

Geezer (ret.)
That is good advice. Right now we have our eye on moving to Hill Country in Texas, somewhere between Austin and San Antonio. DFW has just gotten too crowded.

I bailed from my native DFW 15 years ago and moved into the country near Austin. I was born there and lived there over 40+ years and saw all the growth. I would never go back for any reason. One word of advice- land in the Hill Country is $$$$. Anything East of I-35 is much cheaper if not as appealing scenery-wise.
 

dstraito

TB Fanatic
I bailed from my native DFW 15 years ago and moved into the country near Austin. I was born there and lived there over 40+ years and saw all the growth. I would never go back for any reason. One word of advice- land in the Hill Country is $$$$. Anything East of I-35 is much cheaper if not as appealing scenery-wise.

I noticed the prices were pretty variable but very expensive North and West. So far we like the Wimberley area the best.
 

dstraito

TB Fanatic
I also can relate. I will be turning 65 in a few months and have just returned from a two week vacation. My first thoughts upon returning were " I can't do this anymore". I love woodworking and creating things but struggle to find the best outlet from my items that will still bring in some income. The unfortunate part for anyone in this situation are the healthcare costs. That is where they have you by the short hairs.

Healthcare was the killer for us as well. I bet you have a lot of wood projects in your head you would like to get to which can be frustrating to not have the time even when you do like your job, but when you hate your job and it is taking away time from what you'd really like to be doing it is agony.
 

AlaskaSue

North to the Future
I have worked for most of my life, starting in my teens and was the sole provider for the family when my husband died when I was 28. I'm now 58 and have finally made the decision to retire. I don't have a 401K or lots of savings but was able to work at a super job (which I LOVED) that allows me a pension ... for as long as it lasts. I currently take home only $200 less per month than I did working full-time. And the cost of gas plus all the times I get hit up to 'support' one thing and another, plus other work expenses I think I'm actually ahead. I buy only catastrophic insurance as I am very healthy and will pay any medical needs that come up out of pocket, which would be way less than buying comprehensive health care. I'll reconsider when I get to my mid-60s but in the mean time I have decided that it's time I started living my life...because I have done NOTHING but work...no vacations or travel as it is very expensive to just leave the state. But I weighed the decision carefully and believe that I got the greenlight from the Lord before I pulled the plug (how's that for a mixed metaphor?). Even though I loved my job, it was time to move on ... to be available for family and working on all the things I want and need to do with and for them. ~~
 

Richard

TB Fanatic
I would say that at your age you should have stuck out working for a corp or any job until you retired

no matter how badly run the company might be, it is a bit idealistic to expect to find a satisfying job in any organisation whether corporate or Govt, if it pays the money take it

get your satisfaction in retirement, but you need the income to do so
 

dstraito

TB Fanatic
I would say that at your age you should have stuck out working for a corp or any job until you retired

no matter how badly run the company might be, it is a bit idealistic to expect to find a satisfying job in any organisation whether corporate or Govt, if it pays the money take it

get your satisfaction in retirement, but you need the income to do so

That is what a lot of people say but I stayed where I didn't belong for twelve years because of the money. It is not worth it.

I could see staying in a job if there were even parts of it I enjoyed but the infrastructure didn't work using a centralized ticketing system, the politics didn't work with multiple groups fighting for turf, the lack of documentation and the fact that the co-workers besides me were all outsourced in another country, and the level of work was a novice, not at all what I could have supplied with all my experience. There was a guarantee of no success. Additionally, the writing was on the wall, the politics were going to come down hard on the group because of the lack of success.

The main thing though is life is too short to be miserable at what you spend more time at than anything else. Being miserable affects your relationships with your family, your friends, yourself and at this age (or any age), who knows how much time is left? ymmv, but for me this was the right decision.

That doesn't mean it isn't scary.

It's kind of like the saying "if you reach for the stars you may not grab them but you won't come up with a handful of mud either"
 

mtncat

Contributing Member
mtncat

Good post on your conflicted thinking....I think many relate. Since you appear to be a person of faith and you believe enough that "message" was for you, don't look back. Take comfort that your faith will keep you moving forward and provide for you and your family. Prayers and best to you!
 

2x2

Inactive
Save your money, you're gonna love it. Retired in 1999 @ 55, financially independent. Last day at work wore plastic mistletoe pinned to my shirttail. Never looked back. Where did the years go?
 

dstraito

TB Fanatic
Well, it is official now, I am unemployed. Wish me luck in this new chapter in my life. I appreciate all the kind words and thoughts.
 

WalknTrot

Veteran Member
Well, it is official now, I am unemployed. Wish me luck in this new chapter in my life. I appreciate all the kind words and thoughts.


Congrats on pulling the plug.

I'm just recently trying to allow my mind to go to what that would feel like...getting to where the grind and a bigger paycheck just isn't worth it anymore. PC BS and micro-management, plus the fact that the stress of being effectively "on call" 24/7/365 for the past damned near 35 years has taken it's toll. Can't take vacation without seriously dumping on co-workers, so haven't had more than 3-4 days off in a row for the past 7 years or more. Have to get in when the weather is near impossible (like last winter). EVERY day one of our tiny crew has to show up. It's been a good gig mostly, but I am plain old burnt out...and not putting what I should into it anymore. Add to that very elderly and failing parents with growing health issues, surgeries, dementia and I'm the only caregiver within 150 miles.

It's time to go Galt and quit contributing to the machine. I'll be "broke" too..at least for a few years until SS kicks in, but the place will be paid off, and unless all kinds of crazy breaks loose, the bills should get paid and the family and critters should get fed and kept warm. And that is enough for me. My apple trees need cleaning up (gypsy moths have arrived) my fences need fixing, the front porch needs a coat of paint, and I need to spend some time sitting in the lawn chair reading or fishing that sweet little trout stream that flows through the farm.

As the season rolls around to fall, I dread doing farm chores in the dark morning and night because of long days at work, dealing with the weather and clearing the driveway in the dark, not seeing the livestock in daylight 5 days in a row so not sure you caught any problems, going to work in the dark and leaving the place in the dark...only seeing the sun on weekends in winter. A simple thing, but HUGE after all this time. Only one of the changes I look forward to. ;)
 
Last edited:
Paying for health insurance can ruin your retirement plans. Just the way they wanted it to be. But illegals get, wait, I won't go there.
 

WalknTrot

Veteran Member
Yep, have to factor that in. $625.00/month/person to continue with COBRA but it's great insurance and I don't want to drop it.

The Obamacare offerings are a joke - so what if you get a "subsidy" when the insurance has a $6-7000.00 deductible. Might as well not even carry it except for catastrophic care. That's why you need a little savings to tide you over, even with a decent pension. Everything has to be budgeted out in detail before-hand and the numbers have to work.
 

Giblin

Veteran Member
Another thing to plan for is what are you and your spouse going to do in retirement? You do not want to be so broke as to stare at each other and the 4 walls day and night. One friend volunteers at the library, my sister volunteers at the nature center, friends travel the country going to baseball games, other couples walk the malls, ride their bikes, men mow grass and do odd jobs for the elderly, some guys buy and flip houses, others play golf, fish, hunt or sail boats, and the women shop. ;)

What you plan to do with your time is just as important as planning the finances to insure happiness.

Children can be a problem if they are used to you helping them out financially. Let them know you will not be able to support them as soon as you retire.

Once you make the move to retire going back to work will be nearly impossible due to age discrimination.
 

dstraito

TB Fanatic
Another thing to plan for is what are you and your spouse going to do in retirement? You do not want to be so broke as to stare at each other and the 4 walls day and night. One friend volunteers at the library, my sister volunteers at the nature center, friends travel the country going to baseball games, other couples walk the malls, ride their bikes, men mow grass and do odd jobs for the elderly, some guys buy and flip houses, others play golf, fish, hunt or sail boats, and the women shop. ;)

What you plan to do with your time is just as important as planning the finances to insure happiness.

Children can be a problem if they are used to you helping them out financially. Let them know you will not be able to support them as soon as you retire.

Once you make the move to retire going back to work will be nearly impossible due to age discrimination.

We have so many things we would like to do there would be no trying to fill in the time. I write and have four novels that I have completed but have not edited and made ready to submit to a publisher or agent. I like to create metal sculptures and my wife does a lot of stained glass. We have started combining our media, I make a bird house shell out of metal and she makes the walls in stained glass, pretty cool effect.

I do have the child concern as she will start college in two years. We have had the contribution to the Texas college fund for the last 8 years but it is not enough to take here all the way to a four year degree. There will have to be some college loans on her part and we will help where we can.

We will probably take some of our crafts to Market Days in Wimberley, Roundtop and like market venues.

When we talk retirement, it doesn't mean we quit working, it means we work at what we want to do as opposed to what we previously have done which is do what we have to do.

Generating revenue will still be required for the indefinite future but hopefully, we will enjoy it.

Like someone said, do what you enjoy and you will never work another day in your life. The goal being to enjoy life, have fun, and still meet the minimum responsibilities.
 

dstraito

TB Fanatic
Congrats on pulling the plug.

I'm just recently trying to allow my mind to go to what that would feel like...getting to where the grind and a bigger paycheck just isn't worth it anymore. PC BS and micro-management, plus the fact that the stress of being effectively "on call" 24/7/365 for the past damned near 35 years has taken it's toll. Can't take vacation without seriously dumping on co-workers, so haven't had more than 3-4 days off in a row for the past 7 years or more. Have to get in when the weather is near impossible (like last winter). EVERY day one of our tiny crew has to show up. It's been a good gig mostly, but I am plain old burnt out...and not putting what I should into it anymore. Add to that very elderly and failing parents with growing health issues, surgeries, dementia and I'm the only caregiver within 150 miles.

It's time to go Galt and quit contributing to the machine. I'll be "broke" too..at least for a few years until SS kicks in, but the place will be paid off, and unless all kinds of crazy breaks loose, the bills should get paid and the family and critters should get fed and kept warm. And that is enough for me. My apple trees need cleaning up (gypsy moths have arrived) my fences need fixing, the front porch needs a coat of paint, and I need to spend some time sitting in the lawn chair reading or fishing that sweet little trout stream that flows through the farm.

As the season rolls around to fall, I dread doing farm chores in the dark morning and night because of long days at work, dealing with the weather and clearing the driveway in the dark, not seeing the livestock in daylight 5 days in a row so not sure you caught any problems, going to work in the dark and leaving the place in the dark...only seeing the sun on weekends in winter. A simple thing, but HUGE after all this time. Only one of the changes I look forward to. ;)

Sounds like you have experienced some of the inconsistencies of corporate life as well. It is ironic, but you might work harder than ever outside that corporate existence but you will enjoy it so much more. The feeling of accomplishment, especially when it is to promote you and your families well-being is worth a lot.
 

dstraito

TB Fanatic
Yep, have to factor that in. $625.00/month/person to continue with COBRA but it's great insurance and I don't want to drop it.

The Obamacare offerings are a joke - so what if you get a "subsidy" when the insurance has a $6-7000.00 deductible. Might as well not even carry it except for catastrophic care. That's why you need a little savings to tide you over, even with a decent pension. Everything has to be budgeted out in detail before-hand and the numbers have to work.

After my layoff in 2012 our healthcare was $1700 per month. I'm not sure what it will be this time but it was the main reason I went back to corporate America and I think I found maybe I'm done with that aspect of my life. Arbitrary and capricious decisions and little or no direction that leave you little room for success are not my cup of tea anymore.

I have been truly blessed in my life being able to take care of my family for the last 30 years. I have had an abundance of material blessings and now I'm thinking I could do without a lot of those material things in my life. I'm seriously at a point where I just want to be able to afford to pay for the oxygen/acetylene, mig wire, and CO2/Argon mix so I can continue my metal sculptures. Yes I need to be able to pay for healthcare, food and lodging but it is my art I'm so passionate about.
 

pirate9933

Veteran Member
That is good advice. Right now we have our eye on moving to Hill Country in Texas, somewhere between Austin and San Antonio. DFW has just gotten too crowded.

You will love it. I am south of San Antonio. It takes 25 minutes to get to the south side of SA.
When We are in SA, the traffic sucks, everyone in a hurry to get nowhere.
All I want to do is get back to the rural area.

I.T. is nothing like it used to be. I want to be a programmer because I like it but with my experience I am pigeon holed at a "higher" level. I produced paperwork and I hated it.
 
Top