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02-07-2026 08:18 AM
02-07-2026 09:17 AM
I'm also struggling with the decision to retire. I'll be 71 next month, still working full time, and am petrified to pull the trigger. Biggest fear is money and medical. I will, however, get a pension from my employer and with social security I should be okay. More and more I feel like I've overstayed my welcome at work and I'm past my expiration date. Anyone else have that feeling?
02-07-2026 09:30 AM
02-07-2026 09:49 AM
Would also say retire and enjoy your good health. It's no fun to retire and have physical limitations that prevent you from doing what you want.
When I left my company, I gave a weeks notice. Whenever they replaced somebody, they didn't start the search until the person left and then it took them months. I really disliked my job when our local office closed and I had no choice but to work from home.........I felt so left out of everything that happened in the offices.
02-07-2026 10:05 AM
I retired on May 2014 after 30 years with the State of Texas but I was only 51. We were going to downsize homes, prepared home to put up for sale. Sold in a week. Started with new build and moved in Dec 31st 2015.
Spent time traveling, gardening and doing stuff with my sisters. Went back to work for the State in 2018. Am thinking of drawing SS and working part time and add to my State pension.
02-07-2026 10:06 AM
Congratulations on making this far in your career and knowing that you really can do what you want to do! I started teaching elementary school right out of college; I was 21. 30 years is full retirement for us, so by age 51 I had fulfilled my requirement. I can honestly say that it went by fast. You know how it goes- the days are long but the years fly by. At that time, I was still enjoying working for the most part and just didn't feel ready to stop. I ended up teaching for 34 years. For me, I had a moment when I just knew I was "done" with teaching full-time. Once I made the decision I never had second thoughts and never looked back. When I retired, I felt proud of myself for making it that far. Fun fact- I taught all 34 years in the same school! I kept my teaching license and after 6 months, I began subbing at the school where I'd always taught and another school nearby. I really enjoy it because it's just part-time and I get to do what I love- teach kids- without having to deal with the more stressful aspects of the job. It's also pretty good extra money, which is nice since SS is still several years down the road for me. If you truly feel ready to go, I think you should stick with your plan and do it. Best wishes!
02-07-2026 10:07 AM
May husband retied with 30 years with the Fed Govt, it happened to be right at the start of Covid. He has worked at home for the 6 weeks prior due to my immune issues. We were very lucky he had all his paper work in place long before retirement
02-07-2026 10:21 AM
@Linda0215 I understand the fear about money and insurance. We have a great financial advisor and we do a budget every year for them...they calculate out our expenses and things are adjusted for inflation every year.
Our money is calculated out each year and we know how much money we can withdraw and still maintain our living style...which is not a big lifestyle...but we know exactly where we stand.
Of course, things can happen that will change that budged plan but it gives us peace of mind.
If you do not have an advisor, it might not hurt to make an appointment and discuss your concerns...but you will have to work with them meaning move your money to their company and we do pay a yearly fee....it is based on our portfolio. We are very happy, our investor is based as one of the top 10 in the state.
Goodluck
02-07-2026 11:54 AM - edited 02-07-2026 12:06 PM
I retired at age 54 after working 35 years for state government - my pension was as much as my salary. No cost for health care until my hubby died four years ago and it's negligible.
One of the happiest days of my life - no regrets whatsoever. Eight years later I got a raise when I was able to get social security. It'll be 20 years in April - still loving it.
My grandson was born early the next year and my hubby and I babysat him basically full time. It was a blessing.
I love/loved being home with my cats.
And I have to say I have never been bored in my life. My hubby and I used to travel a good bit. Went to the movies a lot. We followed and had season tix to three sports teams and theater in the city. I always read a lot, gardened, did crosswords, etc. And just relaxed. I enjoy just watching TV.
So - go for it - and enjoy every minute!
02-07-2026 11:55 AM
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