Retirement

Retirement is only a concept for the working class Owners of capital are not bounded by the concept of ‘labour’. They already have control over their time and life

I left bp a few years ago to go to another company. At least where I am, we aren't hiring at all. They are actively trying to reduce workforce. At least they are doing it through attrition and encouraging early retirement. I couldn't stand the constant bp reorg cycle. Good luck.

... due to her fast arriving retirement and how it all affects...

... my heart happy. Sue: 1.) Retirement Year #2 begins....stay active...

... he was very close to retirement and had more or less...

... awe – drifts through an uneasy retirement, his razor-sharp mind too restless...

Cruyff14 said: He's worth 18m. Clearly not struggling, even if that is not all cash. Have you seriously just looked that up on celebritynetworth.com He's taken multiple jobs in L2 because he loves the game and presumably isn't doing it for free, not sure he'd be contemplating retirement. He may go into punditry, who knows.

... think now though with the retirement of the Xbone and ps4...

magnini ha scritto: Couple loses $180,000 from retirement savings after accounts hacked L'articolo parla della piattaforma Tastytrade, utilizzata negli USA e in Australia. Sembra essere molto sicura, anche se non al livello di IBKR. Per quanto ne so, non risultano notizie di intrusioni informatiche da parte di hacker ai danni di IBKR. Se poi ce ne sono state, non ne sono a conoscenza.

... and self-publish your memoirs after retirement. Of course I would buy...

I personally have never held onto T stock. I knew in could get better returns in the market. T is a retirement stock- dividends but no growth.

... and mythical happenings in a retirement community of the same name. ...

... home or commercial mortgages, consumer, retirement, etc are just tolerated because...

... releases. It’s responsible for releases, retirement process of packages and package.... Completed the EPEL 10.1 retirement and switched EPEL 10.2...

... to buy another vehicle in retirement but properly done and with...

... at 65. The age of retirement has already risen once to ...

Get topless cleaning ladies. At least make one part of your retirement exciting.

Way to go Parris! Enjoy retirement and hope your bank account is full.

... he could have a future retirement to enjoy his later days...

Well he been at home that long and not mixing with other men of his age where they talk of ages, changes and plans for what to look forward to in retirement. He's probably still 30ish in his head. What job is he going to retire from, he can't do less than he does now.

... we have not seen, wife’s retirement trip in her new ride...

Hi all, This is the discussion thread for the Getting a mortgage in later life or retirement guide. If you haven't already, join the forum to reply.

Some Friday offerings: 300SL-24 https://ebay.us/m/bYVU93 Retirement spec C-Class with very low miles but can it really be worth £10k? Might be the last mini-smoker you’d ever need… https://ebay.us/m/eDkzNa These XFR are astonishing value for money: https://ebay.us/m/ouWcnF Finally, inspired by GoL recent purchase: https://ebay.us/m/Fq7qVG

... umpires in the media post retirement or for them to get... rejoin the workforce post umpire retirement (let’s say at 40) with... basically stop working post umpire retirement, which isn’t really feasible.

... in Unity 6, and the retirement of the Built-in RP in ...

submitted by /u/TangelaFan to r/interesting [link] [comments]

submitted by /u/TangelaFan to r/BeAmazed [link] [comments]

I’m in my 20s and found when I come home from work.. I just can’t be bothered. Last thing I wanna do after the office is get shat on by little Jimmy who’s already been home from school for the past two hours. Single player is just.. peaceful. submitted by /u/You_moron04 to r/gaming [link] [comments]

submitted by /u/LinkleDooBop to r/ChatGPT [link] [comments]

submitted by /u/ItsAllAGame_ to r/law [link] [comments]

https://www.nytimes.com/2026/05/10/us/politics/democrats-virginia-plans-gerrymandering.html?unlocked\_article\_code=1.hVA.KzAI.Wf17nRa9PSjl&smid=nytcore-ios-share submitted by /u/hencexox to r/Virginia [link] [comments]

ETA - I’m 40/f rural Canadian I have always worked entry level retail jobs. Then about 10 years ago started working for myself. Because of that I have no pension, no benefits, nothing. I can’t afford to “put some away for a rainy day”. Every dollar has a purpose right now. I’m 40 years old and doing what I love. I have a good work life balance, and can afford the basic needs such as car (I’m rural so this is a must), tv subscriptions etc, but no retirement in my future. No fancy inheritance, in fact I’m sure I’ll inherit debt. My job is physical (dog groomer) and I know I can’t do it forever. But I also can’t spend 8000 on an office admin certificate that every office or reception position seems to want these days. I’m not suicidal, I will work until I physically cannot anymore, but my retirement plan is death. submitted by /u/MsDyn0myte to r/poor [link] [comments]

This is a long post but it includes information that i would have been curious about leading up to retirement. I keep adding to it as questions have come up. :D I’m retiring July 1 at age 58 (female, divorced, no kids) from a large university system with ~35.75 years of service [34.33 years plus credit for the 2,675 sick leave hours i never used!] My starting pension will be ~$98K/year plus COLA, along with retiree healthcare like I have now (~$350/month premium). Because of the pension, I shouldn't need significant withdrawals from my portfolio (below) early on — probably just $10–30K/yr early on for travel, home projects, and larger purchases. Once SS begins and my 1.75% mortgage is paid off, I should have plenty of surplus income. I live in an expensive state but since i’ve always lived modestly and plan to continue that way, I'll be fine. For most of my career, I invested only through the university retirement plans (403B, 457, DCP) using the institutional mutual funds available. A couple years ago, I added a Fidelity brokerage link and it opened up my investment options. I began learning about investing, portfolio construction, and long-term strategy. Even before fully understanding what I was doing, I benefited from staying consistently invested in growth-oriented funds over long periods. Over the last 15 years, my portfolio grew from ~$52K to $712K, averaging ~15–16% annually. [Divorce at age 30 really set me back financially and I was never able to afford big contributions. It was a total of ~$75K over that time period.] For each major downturn (e.g. -29.5% in 2022), there was an even bigger recovery and surge in the following years. It’s all about time IN the market. I am now more thoughtful and strategic about allocation, risk, and long-term planning. My portfolio is growth-oriented, centered around institutional growth funds, momentum strategies, and semiconductors, but balanced with international, dividend, and alternative holdings to improve resilience and reduce dependence on any single market theme. My philosophy is centered on maximizing long-term total return and compounding rather than generating income through dividends. As needed, I will sell shares for income. I also view my pension as the bond-like portion of my overall financial picture, [worth ~$2.8M if you include healthcare to 65] which allows me to remain heavily growth-oriented. I use lots of tools for research and planning--SeekingAlpha, Morningstar, Portfolioslab.com, Porfoliovisualizer.com, and Boldin.com. Boldin is great for detailed analysis and modeling scenarios (like Roth conversions, taxes, SS timing, etc). I also use Claude, Google Gemini, and ChatGPT. I’ve watched countless hours of YouTube videos from advisors with many different philosophies, including the traditional 3-fund “Boglehead-style" portfolio. That is not for me. I will never be a "VOO and chill" girl. It took me a while to really understand everything and determine my goals, acceptable amount of risk I'm willing to take, and strategy. I have been fine-tuning the below portfolio for the last year and am content with where it's at as I pull the trigger on retirement. Performance: YTD: 16.14% 1-Yr: 54.67% 3-Yr: ~33.1% 15 yr: ~15-16%, but it did not look like this until just recently. Core Growth / Innovation (65%) • 31% Institutional Fidelity Growth Fund similar to FDGRX • 26% (SPMO) Invesco S&P 500 Momentum ETF • 8% (FSELX) Fidelity Select Semiconductors Portfolio International / Global Equity (23%) • 18% (VYMI) Vanguard International High Dividend Yield ETF • 5% (FRDM) Freedom 100 Emerging Markets ETF Dividend / Quality / Defensive (3.5%) • 3.5% (SCHD) Schwab U.S. Dividend Equity ETF Alternative / Gold / Macro Hedge (5.0%) • 5% (GDMN) WisdomTree Efficient Gold Plus Gold Miners Strategy Fund • Cash (3.5%) Return/Risk: Sharpe Ratio 3.53 Sortino Ratio 4.52 Omega Ratio 1.62 Calmar Ratio 4.83 Martin Ratio 23.2 Added: I wish I knew and understood the power of the Roth IRA earlier in my life. I only have ~$35K in it and will be doing Roth conversions in the early years. [check out IRMAA Medicare surcharges, RMDs, tax torpedo, RMD snowball.] I regret not being able to afford much in contributions but I am thankful for compounding interest over the last 15 years. It saved me, along with not looking at any statements in 2022 and trusting that things would recover. Updated: I'm not sure how many realize that if you only fund pre-tax retirement accounts (401K, 403B) and want to retire early, in many cases you can't access those accounts before 59 1/2 without penalty. [See The Rule of 55, which allows individuals to take penalty-free withdrawals from an employer's workplace plan like a 401(k) or 403(b) account.] This applies in my case but i won't need any funds until 2028. In hindsight, having a taxable brokerage account, accessible if you hit it big and want to FIRE in your 40s, would be smart. also, I have a high tolerance for risk and understand the potential for significant volatility, sharp drawdowns, and periods of substantial underperformance along the way. I would never suggest that anyone do what I am doing. I understand what each piece of my portfolio contributes to my goals, how they work together, and know when to trim and buy more. This is not a great analogy but I look at some of my hobbies in the same way--golf and photography, and even a new phone. I don't just pour money into the latest technology for the heck of it. I only do that when I know exactly WHY I need it and what I would gain by having it. What aspect have I outgrown that the new thing would give me? Would that mirrorless camera with higher pixels and better image stabilization help me when shooting wildlife and in low light? Absolutely. Is it worth $5K more to get there? Not right now but maybe next year. Would that new, expensive driver help me gain yardage when teeing off? Maybe, but it's really my short game that is lacking. I should invest in classes, work on correcting bad habits, and THEN get fitted for new wedges, since I will have ALL THE TIME I WANT for golf and hobbies in retirement. :D Know what your goals are, what your acceptable level of risk is, and WHY you are doing what you are doing. Don't just blindly following anyone else's guidance without understanding why. submitted by /u/pixelprowess to r/Retirement401k [link] [comments]

https://fortune.com/2026/05/05/early-retirement-cognitive-decline-gen-x-unemployment/ Like many others, I'd like to retire ASAP, but articles like this have me questioning whether we should stay working if only to keep sharp. submitted by /u/Beneficial_Swimming4 to r/PersonalFinanceCanada [link] [comments]

I am 37 and have about 170k in my roth Ira, this is after years of maxing it out and it is tough. I am just curious of what other people have saved because if you ask any source they are claiming most Americans my age have A LOT more saved. I think its not true. submitted by /u/Financial_Pen_6218 to r/investing [link] [comments]

submitted by /u/ham-and-egger to r/nottheonion [link] [comments]

submitted by /u/RoyalChris to r/MadeMeSmile [link] [comments]

submitted by /u/AccurateInflation167 to r/law [link] [comments]

submitted by /u/Illustrious-Fee9626 to r/SipsTea [link] [comments]

submitted by /u/MuttonBiryaniEnjoyer to r/formula1 [link] [comments]

I spent 10+ years as a financial advisor managing over $100M in client assets. I've seen where the industry fails people badly with hidden fees, bad incentives, and confusing products. Most people have no idea what’s actually happening inside their accounts or if they’ll ever be able to retire. AMA me anything about your retirement! UPDATE: If you want to see your specific numbers — what you're actually paying and what it'll cost you over your career — I built a free tool that’s like a credit score for your retirement. See if you’re on track. ebbscore.com Cheers! submitted by /u/Rough_Wave_130 to r/AMA [link] [comments]

submitted by /u/Hoppy_Doodle to r/funny [link] [comments]

I am happily retired​ for about 5 years now. My best friend at work announced his retirement for the end of January 2026. So, today, Feb 2, we had lunch and he decided to go back to work as a part time contractor for the foreseeable future. So, he lasted exactly 1 weekend and 1/2 day before he threw in the towel and went back. I am so totally confused by the whole adventure. At least now he is part time --- 30 hours a week -- so we can goof off like we used to.​ EDIT: Thanks everyone for all the comments. Here are some answers to the questions asked. My friend is about 62 and he announced his retirement maybe 3 or 4 months ago. I believe that he was seriously planning to retire when he made the announcement. My friend is well off. He inherited a large sum of money when his father (a business owner) died. In addition, he works as an engineer for a defense contractor and probably makes $200K or something a year. I talked to him again (about a week after he went back) and he told me that he felt guilty leaving when his replacement has not been hired yet. And before you ask, NO, the company has not even started interviewing people to replace him. So, about the only change in his life has been to sleep a bit later in the mornings and go in AFTER the morning rush instead of getting to the office BEOFRE the morning rush. He also takes a day off every week and uses that time to volunteer at the local food pantry (in addition to the Saturday he always was volunteering). I hope I answered everybody's questions...thanks everyone. submitted by /u/Red-Leader-001 to r/retirement [link] [comments]

Most of us are not gonna retire. There is not enough money saved and cost of living is sky rocketing. What money we do save will go to some memory care unit at a facility that is run by venture capitalists where only the minimum standards are met. Or we burden our family with our activities of daily living so they feel relief when we are gone. We may retire with a fixed income and feel resentful for the unfairness of our lives. Some are filled with dread because of the perceived lack of safety in our community. We may feel overwhelmed as surrogate caregivers to our family and friends. So enjoy the moment since all we control is now submitted by /u/shepardshe to r/GenX [link] [comments]

submitted by /u/omgfakeusername to r/news [link] [comments]

I am 60, living in OC California, I have 1.1 million in my 401k, and I owe 300k on a house worth 1.9 million , I’ll get max social security at 67 (not sure I can wait 7 more years) and that’s it… nothing else submitted by /u/suzannepauline to r/Money [link] [comments]

submitted by /u/4peaceinpieces to r/povertyfinance [link] [comments]