I don't want to go to work tomorrow.

[Hey-O]

That's the reason I worked my *** off and retired at 52. I remember when I was a kid seeing people around 64 or so dropping like flies. Life expectancy may have been more, but in the real world there are many factors that actually shorten that. It made no sense to spend my whole life working to drop dead the moment the government said I should go. Remember one thing about our government, they don't need you to collect SS and live forever. If they say it's smart to wait till your 70, they have a vested interest in you dying before that. Remember they spent SS on other things years ago and the chickens have come home to roost. They need you dead, if you're not working and adding to SS, you are officially no value added. Just in case the government is listening, I maxed out my SS every year for the last 23 years of my working career. They can kiss this white boys ***................... Color me gone!!!

 

[JDmac72chrgr]

Dad worked at his grandfather & uncles boat yard since 12: Had some businesses, fire destroyed last 1, went back to driving tractor trailors (major freight company); got injured at 58 1/2, upper spine & brain injury, had enough time in pension therfore retired at 59, lived til he was 80. Glad he was able to "relax" last 20 years of life, his body was beat-up from life. He said something along the line: "Do the math, if you can retire, do it, tomorrow is not a given"

 

[JDmac72chrgr]

How many people work their whole life, retire & drop dead before collecting their pension? I know of 2. OUCH!!

 

[Dan64]

I appreciate it sir, I know God doesn't give ya more than you can bear, but damn he sure made me struggle.

A common prayer for me is to thank God for all of my blessings, help me help my fool self and please don't teach me something tomorrow.

 

[JDmac72chrgr]

That's the reason I worked my *** off and retired at 52. I remember when I was a kid seeing people around 64 or so dropping like flies. Life expectancy may have been more, but in the real world there are many factors that actually shorten that. It made no sense to spend my whole life working to drop dead the moment the government said I should go. Remember one thing about our government, they don't need you to collect SS and live forever. If they say it's smart to wait till your 70, they have a vested interest in you dying before that. Remember they spent SS on other things years ago and the chickens have come home to roost. They need you dead, if you're not working and adding to SS, you are officially no value added. Just in case the government is listening, I maxed out my SS every year for the last 23 years of my working career. They can kiss this white boys ***................... Color me gone!!!

And if the wife wants you otta da house, you can get a part time job at Fast Lane where you can "play" with some sweet cars. My late father-in-law use to run dealer's cars everywhere, did it part time.

 

[patrick66]

My HS class is having a 45-year reunion this July. Why 45? We were going to wait till the 50-year point to have a reunion. We had three people from our class and one from the class behind, all drop dead in the same week two months ago. A totally freak, non-related, random thing, I know. But, to be 62-63 and just die. None were sick from cancer or COPD or anything like that. Just "boom", dead.

Last week, I officially passed my older brother in age.. He's 4Y 8M older than I. Well, four years, 8 months and a week have passed since he died, so I'm older than he was at the time of his death from cancer. Nothing like getting diagnosed with Stage 4 lung and brain cancer three days before you die, right? At 62.

By the end of 2023, I'm retiring, come Hell or high water. If I need to take a "retirement job" at a later date, cool.

 

[Hey-O]

And if the wife wants you otta da house, you can get a part time job at Fast Lane where you can "play" with some sweet cars. My late father-in-law use to run dealer's cars everywhere, did it part time.

I have a friend that does that and loves doing it!! I get that!!
Talk about different side jobs, I had a friend many years ago that picked up dead bodies and delivered them to the funeral home he worked at, part time, 50 dollars a trip! He was 72 and did one or two a week. LOL

 

[68BabyBlue]

My HS class is having a 45-year reunion this July. Why 45? We were going to wait till the 50-year point to have a reunion. We had three people from our class and one from the class behind, all drop dead in the same week two months ago. A totally freak, non-related, random thing, I know. But, to be 62-63 and just die. None were sick from cancer or COPD or anything like that. Just "boom", dead.

Last week, I officially passed my older brother in age.. He's 4Y 8M older than I. Well, four years, 8 months and a week have passed since he died, so I'm older than he was at the time of his death from cancer. Nothing like getting diagnosed with Stage 4 lung and brain cancer three days before you die, right? At 62.

By the end of 2023, I'm retiring, come Hell or high water. If I need to take a "retirement job" at a later date, cool.

My high school class, a large one, does the reunions every five years, and added 60yr and 70yr "birthday parties" for the in between periods. I looked up mortality stats for my birth cohort, and 25% of folks born the same year as me are dead. One of the organizers lit candles for the departed at the 40th. At the 50th, she did a slide show, and it took forever. A close friend of mine who passed from colon cancer ten years ago left me with a memorable quote: "the good thing about terminal cancer is it really simplifies your financial planning." For the rest of us, it's complicated.

Per the advice of my trusted primary care doctor, who retired at 66, and told me to "go long," I soldiered on for three years past that point in a physically exhausting, miserable job. I have a family tree with long life spans on both sides. Longevity risk, the danger of outliving one's money was a concern to me. Per actuarial tables, most people won't have this problem.

In addition to comprehensive estate planning in the event I go sooner, I have continuing care arrangements already in place, in case I go really long. This is "wearing a belt and suspenders," but after all the risks I got away with in my earlier years, I'm no longer pushing my luck.

 

[Hey-O]

My high school class, a large one, does the reunions every five years, and added 60yr and 70yr "birthday parties" for the in between periods. I looked up mortality stats for my birth cohort, and 25% of folks born the same year as me are dead. One of the organizers lit candles for the departed at the 40th. At the 50th, she did a slide show, and it took forever. A close friend of mine who passed from colon cancer ten years ago left me with a memorable quote: "the good thing about terminal cancer is it really simplifies your financial planning." For the rest of us, it's complicated.

Per the advice of my trusted primary care doctor, who retired at 66, and told me to "go long," I soldiered on for three years past that point in a physically exhausting, miserable job. I have a family tree with long life spans on both sides. Longevity risk, the danger of outliving one's money was a concern to me. Per actuarial tables, most people won't have this problem.

In addition to comprehensive estate planning in the event I go sooner, I have continuing care arrangements already in place, in case I go really long. This is "wearing a belt and suspenders," but after all the risks I got away with in my earlier years, I'm no longer pushing my luck.

Well said!! Thanks for sharing!!

 

[mopar 3 B]

At that point them taking your SSI will be the least of it. Next will be any property they can latch on to.

 

[mopar 3 B]

And if the wife wants you otta da house, you can get a part time job at Fast Lane where you can "play" with some sweet cars. My late father-in-law use to run dealer's cars everywhere, did it part time.

Thanks never thought of that one. I may need a change in occupation again.

 

[multimopes]

You can work and plan all you like, but throw a divorce in there and kids to support and refinancing and see what happens to your sweet retirement plans. I am constantly checking pricing on internal organs that I can sell, but as I age, the price goes down. I am 70 & still working as a result, but I feel lucky, (maybe because I'm an asshole), but I work with a guy who is 82 & can't retire either! Of course, he was married 4 times ! He could have saved a fortune if had only learned to masterbate, lol!
I remember a desk to desk joke flyer that went around waaaayyyy back when, that said management was getting pissed because people were dying on the job at work but failing to fall down. They said that this practice must stop because it becomes difficult to distinguish the dead from the normal lack of movement from the work staff!

 

[OKDart]

Why do you need more money the older you get? Your house should be paid off, and elderly people tend to be home bodies. All that money is going to get sucked up by end of life care. I plan on taking mine at the absolute earliest.
Maybe if you’re on a tight budget it works out for the better?

 

[Hey-O]

You can work and plan all you like, but throw a divorce in there and kids to support and refinancing and see what happens to your sweet retirement plans. I am constantly checking pricing on internal organs that I can sell, but as I age, the price goes down. I am 70 & still working as a result, but I feel lucky, (maybe because I'm asshole), but I work with a guy who is 82 & can't retire either! Of course, he was married 4 times ! He could have saved a fortune if had only learned to masterbate, lol!
I remember a desk to desk joke flyer that went around waaaayyyy back when, that said management was getting pissed because people were dying on the job at work but failing to fall down. They said that this practice must stop because it becomes difficult to distinguish the dead from the normal lack of movement from the work staff!

 

[Cranky]

A guy I know at work. Took his SSI at 62 he did the staying under the amount for 3 years then it gets lifted up after 65. We did the math on his numbers and he would have to live 10 years to get 75yo to start losing money because he went at 62. Like he said I don't know if I will make 75, he is 70 now, so we will see.

Did the same....took it at 62 and so far so good. With the way my wife spent money on top of the youngest kid's school loans, really didn't have much choice.

That's the reason I worked my *** off and retired at 52. I remember when I was a kid seeing people around 64 or so dropping like flies. Life expectancy may have been more, but in the real world there are many factors that actually shorten that. It made no sense to spend my whole life working to drop dead the moment the government said I should go. Remember one thing about our government, they don't need you to collect SS and live forever. If they say it's smart to wait till your 70, they have a vested interest in you dying before that. Remember they spent SS on other things years ago and the chickens have come home to roost. They need you dead, if you're not working and adding to SS, you are officially no value added. Just in case the government is listening, I maxed out my SS every year for the last 23 years of my working career. They can kiss this white boys ***................... Color me gone!!!

Had to go to 55 to retire from where I worked. Got tired of it plus the 'new' rules were getting nuts. Started mowing yards like a crazy fool at 12 then went to work for my dad at 14 and figured I had worked long enough.

And if the wife wants you otta da house, you can get a part time job at Fast Lane where you can "play" with some sweet cars. My late father-in-law use to run dealer's cars everywhere, did it part time.

Wife and I did that until she did a 3 car run and messed up 2 of them. She got 2 of her friends to help and that morning they stopped for breakfast 100 miles out. Well, one of the other gals backed into one of the cars so they ended up delivering 2 damaged cars. The dealer wasn't happy but used us again a couple of times until my wife took another run but by herself and somehow got a smashed windshield. Yeah, she liked following trucks too close....and we lost that gig after that.

At that point them taking your SSI will be the least of it. Next will be any property they can latch on to.

They won't get much from mine since I did a reverse mortgage on it last year. 'She' took the money in the divorce and didn't want much else but my rat hole money was getting smaller so had to do something. As bad as she was with money when we were married, I can't believe she's still living on her own because her SSI isn't much and mine is what puts it up a bit higher so if she gets married again, she'll lose that. Now I hear she has Parkinson's.....

 

[multimopes]

BY the way, of people who don't retire, even if they can, there is a possibility that they actually loved their job so they just keep doing it. The other side of the fence is people can occasionally catch a disease called "Needing To Feel Needed". Then there is the "I don't know what to do with myself and I'm bored"! A partial "cashectomy" can sometimes change that outlook. I would love to help out if I could by accepting any and all donations to fulfill my dream of doing NOTHING!

 

[Hey-O]

Ifa married person qualifies for nursing home Medicaid and their spouse lives in the marital home, their home is protected from Medicaid. If a single person qualifies for nursing home Medicaid, their house (with some exceptions), is protected for the first two years that person lives in nursing home. After two years (with some exceptions), the house becomes a countable asset and can disqualify the person from receiving Medicaid. In either scenario, if a single person receives nursing home Medicaid, Medicaid can put a lien (called a TEFRA lien) on the house (with some exceptions). This lien can be enforced by the State of Missouri after the person passes away.

 

[Cranky]

BY the way, of people who don't retire, even if they can, there is a possibility that they actually loved their job so they just keep doing it. The other side of the fence is people can occasionally catch a disease called "Needing To Feel Needed". Then there is the "I don't know what to do with myself and I'm bored"! A partial "cashectomy" can sometimes change that outlook. I would love to help out if I could by accepting any and all donations to fulfill my dream of doing NOTHING!

Yup, lots of people out there that do nothing else but go to their jobs and when they do finally retire, they just sit down and watch TV and medicate themselves with whatever brand of alcohol they like. If they were drinking all during their working lives, they usually double up on the intake once retired and die early.

 

[69a100]

they just sit down and watch TV and medicate themselves with whatever brand of alcohol they like.

I was expecting to read, "whatever drugs the Doctor's got them pumped up on"!

 

[Fran Blacker]

Why do you need more money the older you get? Your house should be paid off, and elderly people tend to be home bodies. All that money is going to get sucked up by end of life care. I plan on taking mine at the absolute earliest.
Maybe if you’re on a tight budget it works out for the better?

Tell the roof on my garage to stop leaking, please. I built it 33 years ago and why it's going to cost $17k is there's a deck on it. $5k/$6k for lumber and $800 dumpster, roofer is supplying roofing material and labor. If I was in better shape might be able to salvage 80% of the lumber. Problem you need to remove 2000 screws, the 74 old fatman will pay $$$. Why I saved $ but didn't expect to live this long.