Devils Advocate checking in here…. There are presently thousands of Boomers retiring each day with insufficient savings and leaning on inadequate Social Security. This is a massive problem and a burgeoning systemic economic burden, only getting worse. Most people don’t save enough.
Get a comprehensive financial plan done. Know exactly how much you need to save annually to enjoy retirement the way you want. Once you have met your savings goals each year, then you can spend any excess. But not until then! Save first! Then play.
There are far more Americans wishing they had saved more during their earning years than there are those who wish they had spent more!
I don't quite get what your saying. " I don't think @SDHNTR was saying the exact opposite." What ?@Stalker69 I don't think @SDHNTR was saying the exact opposite. I think we all desire more time to do the things we love but its not an excuse to be a fool with money.
Plan what you want to do and how to live your life and be ready to adjust your course. I just told my 19 year old grinding away at her civil engineering degree, life is full of choices and compromises. It's important to CHOSE what to do, how to live your life. We tend to forget we have the choice to push hard or slack off or a combination. Of course our choices have consequences, so choose VERY CAREFULLY on the important stuff. While alive, LIVE, be PASSIONATE about whatever the hell you are doing most of the time! That's what I do whether enjoying myself or working with my nose to the grind stone. I'm 60 and ready to retire and play, play, play, thoroughly enjoy myself. However, I've been living and enjoying the ride to get here!! I've done a whole lot and lived a great life so far, full to the HILT!! with some bumps, and train wrecks I walked away from. CHEERS! BILLMy beautiful wife taught me a good life lesson. If you wait until you have the time and money to go and do what you want to do in life. You probably won't get there.
Seems to me anyhows that when I'm working extra n have extra bucks, no time. Or time n need the bucks to live on. It's kinda endless.
Hey make the time. And the memories. Only got one chance man.
3 12's would be nice. Not sure where you are at, but around here all I hear of are nurses getting mandated for extra shifts. I decided to go back for a career change into nursing. I'm hoping to find somewhere to fit that I can also do the things I want to. There are defiantly days I wish I had not left working on a State Forest.It depends on where you work and what field/business.
My wife is a VP of corporate finance. She worked her way up rapidly and although it took some sacrifices it wasn’t too terrible. She has amazing flexibility in her schedule now.
I work in healthcare. I’m stuck in the middle of nursing administration. I work absurd hours and don’t make much more than what I did as a bedside nurse. I have no flexibility in my schedule.
I have two choices. Take my lumps for a 3-5yrs in the spot that I’m in and then probably move up to a higher level position such as director or even VP. Or say f@ck it and go back to working my 3 12s as a bedside nurse.
I was much happier doing my 3 12s.
When I was at the bedside we got mandated OT usually during peak flu season and of course during the height of the pandemic.3 12's would be nice. Not sure where you are at, but around here all I hear of are nurses getting mandated for extra shifts. I decided to go back for a career change into nursing. I'm hoping to find somewhere to fit that I can also do the things I want to. There are defiantly days I wish I had not left working on a State Forest.
I was this guy once, just remember that no matter how much you love the job.....the job will never love you backProbably time for some self reflection here. 29 years old, union carpenter. 60 hour weeks are the norm. Still make time to hunt and be with family but could probably do a better job there. It ain't easy when you like to work and like the work you do though.