What are you up to these days? I retired in 2012 after 30 years as a journalist, but my husband is just now starting a phased retirement. In the meantime, since he usually couldn't join me, I traveled around the U.S. and Mexico by myself and with friends. In 2018, we bought our dream house in Durango, Colorado, the town where we both grew up, with a plan to retire there. During the pandemic, we sped up our timetable, sold our house in Ann Arbor, Michigan, where we'd lived for almost 40 years, and relocated to Durango. Now, I do a lot of hiking out our back door, kayaking, skiing, snowshoeing and biking. I worried a lot about what I would do in retirement, since I had a busy career. But after day one, I never looked back. I discovered that I didn't need to be so busy to be happy, and that sitting on my deck looking at the mountains is a fine way to spend a few hours. How nice! What's your savings philosophy? Live well below your means. Our cars are seven and 22 years old. Until our dream house, our homes have always been modest. We saved every penny we could, siphoning it off into investment and savings accounts as soon as the paychecks hit the bank. We are DIY-ers. My husband uses TurboTax to do our taxes and I do all our investing, reading every finance magazine, story and daily finance newsletter I can find. I waited until I was 70 to collect Social Security, but I was lucky to have a small pension and lots of money in retirement accounts, as well as a still-working spouse. I empathize with those who can't do that. At the same time, you have to play and have fun along the way. We took advantage of sabbaticals, conferences and other travel opportunities and didn't scrimp on those. I never left a vacation day on the table, and took all overtime as time off. On every vacation, we went somewhere. Now that we know we're in fine financial shape, I'd be mad at myself if we hadn't done those things, just to save money. Some things are worth spending on. Very true. Any regrets you'd like to share? None about money or retiring, but our one regret is that our son and his family (we have three wonderful grandkids) live in California. At least we now live closer. We decided we didn't want to buy a shoebox with no outdoor space just to live near them, since California houses are so expensive, so it's a good compromise. We spend plenty on Airbnbs, a month at a time, and it's still cheaper than buying! |
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