Why is it so difficult for me to make a decision about retiring.?
139483
Women live longer while retired. Men die sooner when retired...hmmm. Men that keep working tend to live longer, perhaps having something to do with keeping the spirit going. If not this, maybe a sense of security can be the difficulty. Or maybe a workaholic! Myself, I will die doing something to keep me busy!
535571
Hello,\nThis is not a direct answer to your immediate problem but I am writing to help you get out of this situation altogether.\n- Find expenses that you can eliminate (if you look really hard, i am sure you can eliminate at least 25%)\n- Change the way you think about money.  It's too long to explain here, but you might be trying to get your hands on the money first, and then trying to see what that money can do for you...Think about your needs. Your needs are not what you want.  They are what you need to survive.  You are fortunate to have a job. So make sure you are not always running after money.  I hope I make sense.\nGoogle financial planning sites that might help you take baby steps and help you have bigger ideas about your financial future.\nCheers.
10744
Wow, I just discovered that I want to do the same and I  have no steady income and two school age children, My plan is to slowly save money (his money) and then move on.  It will not be easy but I have faith that the misery of it all will pass and you and I will be fine. Life is about change and as my famous artis Anita Baker once said in "I'd rather lose you than to lose my mind."  Good luck
776771
Your never to old to make changes to your life and 50 is not old!  I suggest looking into going self employed as a trainer. I work for a training company and we are always looking for trainers (and pay them a very generous wage). You can work the hours you want to and still get satisfaction from helping others achieve their goals. Good luck in whatever you decide. Make the break it will be worth it in the end and if it doesn't work out you can always go back to teaching.Just remember,If you always do what you've always done you'll always get what you've always got.
219755
Make sure your active and have hobbies.  Alot of people retire and then don't know what to do with themselves.  Set goals for yourself and have fun!
143320
make a decision... u have to choose one or loosing both...
23183
The age that you retire and the age that you start collecting social security benefits can be 2 different ages, so one doesnt necessarily have anything to do with the other.\n\nYou need to do what's called a 'Needs Assessment'.  The best time to retire is when you have 'enough' money.  You need to consider ALL financial sources -- personal savings, 401Ks, IRAs, pension plans, social security as well as the possibility of part-time post-retirement work.\n\nLook at your needs and how much you could have coming to you as income from all sources.  Once you know your needs, project everything out (based on average inflation) for your life expectancy to see if you have enough.
551846
I thought about this a lot when I was your age, and for a few years after.  It's normal to think about this, since you're in a transitional period in your life.  You're finishing basic schooling and getting ready to go out into the world for either further schooling or into the job world.  Basically, you're going out on your own either way, and it's scary.  You start thinking about getting older, and what the future may hold for you.  The uncertainty is what leads you into thinking about the finality of your life, and the inevitablity of your "impending doom".  These thoughts will pass as you set your goals, start working toward them, and start accomplishing things.  The secret is: don't let yourself sit around and think about it too much!  Keep busy, and keep your mind occupied with other things.
830567
This is a good question on an even better topic.  It is very important to make your wishes known as to what you would prefer should you ever be in a position where you are unable to make those decisions.  I make sure my parents know I do not want to be on life support.  This is a very smart thing to do, and highly recommended.
328538
whut? \n\nhow old are you and what do you like to do.  It'd be good to find a career doing something you enjoy doing.  Figure out your priorities-- making more money or having more time, for example.
776721
Applying for Social Security Disability or retirement can be a very drawn-out process. They are probably starting to process your claim. As hard as it seems, be patient and don't let all the waiting and stress of it get you down.
127327
Time frame?  Sounds like he isn't ready to commit.  Talk to him and tell him about your clock.  Let him know you don't want to be on Social Security before your children are grown and out of the house.  See what he says about being a new father at the ripe old age of 45-50 when he's going thru a mid life crisis?  If it's not the answer you need to hear, move on..........your clock is still ticking, sister!
126733
Go to your bank, whom you deal with, and set up an appointment. They can discuss your options. How old you are, how much you have to invest, what your goals are and so on. Good luck.
1112971
i think that too many people hesitate when it comes to doing what they really want to. they fear failure. but i think you should take the chance.if you dont,your just prolonging the agony and will question your decision not too for the rest of your life. do it.
920044
Have you got support ? It will take a long time, depending on your lifestyle. Good luck.
11300
One of the things we all have to deal with, increasingly as you get older by the way, is that life is full of things you must do, even though you'd rather not.  I really do like my job, but if I didn't have to get up and go to work every morning I wouldn't.  \n\nIf you do not learn to accept that some things simply must be done whether you like them or not, then you are going to be unhappy most of your life.
366305
If you're unhappy, you should move on.  You have no guarantee you'll live long enough to retire, and then you will have spent more unhappy years.  What you have already contributed to your retirement should still be available to you when you reach retirement age.  And it's clear that you'll be waiting a long time before your promotion in that job.\n\nWhat I'd do, is go out and see if you can get any other offers.  Don't tell your boss or co workers.  If you get a good one, go to your boss and tell him that you've gotten this offer, and you would like to stay if he gave you a similar or better promotion and made it more attractive for you to stay.  It's amazing what a boss will do if he thinks someone else wants you. But be sure it's a real offer, and be ready to take it, because he may say, sorry, I can't match it, so go ahead and take the job.  \n\nIf you don't get any better offers, well, then you've learned something, no harm done.  You'll have to get some outside interests and not make your job your life, while you work out your time til retirement.