I've been retired for some 6 years (I'm 55) but oddly starting to feel the need to go back to work for the social aspect I suppose. Wifes still working full time and will be for another 2 years. I'm sure it's just a phase and I'll get over myself.
I ran my own company for 25 years and found it hard to take time away. Part of my reasons for retiring was my best friend unexpectedly died from cancer. We had all these plans for the travelling we would do ‘when I retired’ but this bought it home that you never know what is round the corner. So live life as well as you can as soon as you can. I was lucky that I’d put a good amount in the pension so I was able to stop when I did. No regrets Ps if you feel the need for the social aspects of work then consider volunteering, good fun and rewarding
I must confess i keep looking at my personal pension value more and more... (got a guy that looks after it) 56 now but hoping to go realistictly at 63....that being said if the miracle happens (and my 3 kids move out) that will accelerate rapidly...!
30 years as a policeman, the last 16 as a traffic policeman, I don't really like the public very much anyway
A member of my wife's family works for Derbyshire police....i remember one day a while ago i was chatting about "traffic" he said "yeah - theyre a different breed....bit weird and they only see in black and white..." - after 30+ years on bikes ive only ever come across a few that have been genuinley approachable, and at worst had me banned for 12 months.... Sorry to say it but historically ive got a healthy distrust of the Police. But, in contast recent (in the last 5 years) any interaction ive had with them...nothing road related theyve been very plesant and approachable.
I have respect for the Police and accept that in the main they do a good job. I don't trust them, I don't want to be around them, I think they are often devious, none will never be counted amongst my friends. I'm not sorry to say this, as they are the way they are and deserving of this reaction.
Agreed but ive always found traffic the strangest to deal with....that being said my "bad" interaction was a long time ago in my early twenties...
Hopefully people would have sorted their pension so they could leave work if they wanted by 60. Having watched parents and older friends, you need money when you first retire to do stuff to you always wanted to do. It appears that after the early 70s (health allowing) most people wind down on what they want to do which means needing less money required. Going by my experience I would go as soon as possible, financial advisers saying you need x amount until you die is not always correct. You do need a lot at first but this will drop off.
I’ve found some IFA’s way too keen to offer advice that benefits them and them alone. Including piling funds into the pot (affordable or not) and not withdrawing yr 25%. Big pot = big fees.
Funny, my wife often refers to me as strange!! We are all different people. Joining traffic got me advanced grades for cars and bikes, and the best course I've ever had. Five days offroading. I did break my hand whilst doing it, but was great fun.
You don’t have to pay a percentage for an IFA you can opt to pay by the hour which is more economical if you have a decent size pot. Cheap global tracker funds keep your costs low and you can manage that yourself and just pay when you need advice. One final consideration - retirement is a U shape graph, spend a lot when you first retire, then it flattens off as you get older and do less before (sadly) it can accelerate again if you need funds for care costs (nobody ever thinks they will need it but chances are you might).
