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You trendy young thing, you. I still have a Nokia brick (3340, I think?). It makes and takes phone calls and texts, which is exactly what I want a phone to do. If I'm at home, you can reach me on the landline. If I'm out, 99% of the time I don't want to be reached anyway.
If I want to use social media or the web, I do it on a laptop where I can actually see what I'm looking at.
This discussion seems more about lifestyle and planning for retirement than I'd anticipated when asking the question. I've come to realise that the majority of people driving flashy cars, wearing the latest fashions and eating at the best restaurants are not in fact wealthy, they just have the biggest debts. (There are exceptions of course). Meanwhile many you see with somewhat "tired" clothes, or driving a 5 year old car, as a result have significant savings which can reduce stress, increase flexibility and resilience (e.g. when the calefaction system [ I had to look that up] breaks can fix it), and sleep easy knowing their future is probably going to be reasonably comfortable.
Personally, though nominally retired (and not yet 60 - quite) I still have ex-clients asking me to do more stuff (including the quite large project I mentioned); tinker with my own websites for a variety of non-IT interests, help out with a couple of charity websites (for free) that I'm involved with, and have just written a wedding-list website application for my son, which I'll market later this year. I spend a fraction of the time I used to in front of a screen, and miss it far less than I'd expected. I'm choosing not to learn the cutting-edge tools but my inbuilt curiosity means I still read articles on CP and elsewhere. I still run a (slightly broken) Windows 8 laptop and am dreading the hassle of moving everything to Win10 when the screen finally falls apart!
What? You work like a bee and live like a rat? All those saving wouldn't do you any good it you should hit by a truck tomorrow.
I don't go out for dinner every week, but when I go out... I go where I want, eat what I want and I do not even look at prices.
If I buy a bottle of something I buy a bootle of something good, but I don't need to buy more than one bottle every X months
I don't own a flip phone, it is just an iPhone 4S (it was my previous company phone and I bought to the company when they wanted to retire it). Its glass on the back side is broken, covered with tape, because I don't see the need to pay over 100$ for something that doesn't affect the functionality at all.
I have driven for years a tiny old car with rust getting out of the paints, but mechanically perfect until I had to sell it because I got a kid and needed space. It drove, it kept me warm, I never had an accident, its consume was low, its polution was low... I replaced it with a 2 years old used big enough car.
I buy good clothes of previous seasons (new but old), because they are less than 50% of original prices and... on the one side I don't give a crap about trends, and on the other side it doesn't even make any difference if clothes are from this year trend or not in my dress style (classic, elegant, discret)...
Is that to live like a rat? If you think so... I think it is just living without unnecessary money waste.
Let me just ask you something:
Could you buy a car tomorrow if you had an accident and your current one was irreparable? Could you replace your kitchen / calefaction system if it got broken from one day to another? Could you leave your children enough money to grow without serious necessities if you got hit by a truck tomorrow?
I do, and without the help of a bank.
Life is just a question of priorities I guess
If something has a solution... Why do we have to worry about?. If it has no solution... For what reason do we have to worry about?
Help me to understand what I'm saying, and I'll explain it better to you
Rating helpful answers is nice, but saying thanks can be even nicer.
You nailed it. Most of my co-workers make near or over 100k, yet complain about money. Many have multiple bankruptcies, divorces, foreclosures, and whatnot. Yet the parking lot is filled with luxury cars and suvs; all financed.
One thing about America is that since healthcare costs are so high, it is difficult to retire before 65. I will be able to, but looking to live abroad in a less expensive country where a minor hospitalization doesn't wipe out years of savings.
unless you were fortunate enough to inherit a ton of money or managed to save a lot via a successful business, there is no real expectation of retirement.
But, there is another way! I've known way too many people who have retired on disability, or faked on the job injuries for a settlement/annuity. My younger brother retired at 48 yo from a super easy govt. job due to arthritis and my brother-in-law retired at 52 with a knee injury that had nothing to do with his job.
As for myself, I'm 51 and have been in software for almost 20 years. I really don't see myself retiring before probably 65 or so. (based on IRA performance) Even after that, I can see myself piddling with personal projects and probably hanging out here in the lounge.
Yes, but still managed to put our 2 children through university.
Nish Nishant wrote:
that you live in a low-cost town
That's kind of a misnomer. Usually folks who live in cities with higher costs get paid more. I've lived just south of Chicago my whole life, I could earn more $ if I worked in the city but I don't need the hassle.
"Progress doesn't come from early risers – progress is made by lazy men looking for easier ways to do things." Lazarus Long
wELL, i RETIRED AFTER HAVING A STROKE AND HAVE BEEN DEVELOPING PROJECTS EVER SINCE. sOME HAS BEEN FOR MY OWN AMUSEMENT, SOME HAS BEEN DEVELOPING PRODUCTS TO MARKET AND SOME HAS BEEN PROJECTS THAT CLIENTS HAVE COMMISSIONED. I'm still trying to decide what I want to do when I grow up.
When I was getting ready to retire, I also went back to grad school, which I'm finishing now after a 3 year delay due to my stroke!
When I stop working, it will be when I physically and mentally am not able to .
Until then, I've still got lots of copde to crank out and products to develop and languages to learn!
CQ de W5ALT
Walt Fair, Jr., P. E. Comport Computing Specializing in Technical Engineering Software
If you have somebody telling you what to do and when to do it means you are an employee:
- even if it's 'only part time'
- even 'on a contract' where they stipulate when and/or where you work (basically it's just part/full time work on a contract rather then on payroll)
Employed: 'we need you for X hours a week/on call, your tasks will be: X, Y and Z [to be completed by this-date]'
Retired: 'we need X, Y and Z, interested?' and you reply: 'give me a X months and I'll do X and Z.' (or alternatively you offer that to them before they ask.)
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