retire cheaply

There are more options, no doubt. Can you think of some? I'd love to hear from readers with retirement ideas for the above scenario. Let's say this is you: a house with a mortgage, 1400 in Social Security, 600 in annuity or 100K in cash, and a car that runs. What would you do? Chime in.

Income Options: pleasant, mindless jobs and working from home

 

 

Health Options: maximizing your staying power




Coming Up:

Please comment and share your ideas!! The more we share, the better we fare!

 

 

Solo or Partnered: how many of us will be retiring alone?

NEXT: THE GYPSY LIFE: options for living on the road

 

 

Vol.1 No. 1: CONSIDERING OPTIONS

 

Question: How can one drown in good advice on retirement, and still not be able to retire?

"Getting old is not for sissies" ----- Bette Davis

Answer: One is broke.

"Why?" ----- Zen insight

 

 

Scenario: you will get social security, about 1400 per month. You have about 100K in a retirement account. Transformed into an annuity, that gives you about $600  a month. So you have about 2K income. Let's look on the bright side and say you have a piece of real estate to sell that will yield a profit of 100K. And, you own your car.

Of course, the foregoing is based upon facing the last stage of life alone. This may or may not be the case. A disturbing statistic is that 97 million people over 45 are single. But for those of us partnered up, multiply everything by 2. What do you get?....wow, it is true that two can live more cheaply than one.

This is one who is guilty of not having kept up with the rising cost of everything enough to put aside a nest egg for retirement. This one feels ashamed. Anxious, too.

And this one….is many.

"Act your age." ---- common wisdom

Alternative Lifestyles for Boomers

This article, and the many to follow, is dedicated to those boomers who are pondering retirement with…wonderment.

Even if you were sensible and fortunate and put away a nest egg, you may be amazed at how paltry that little treasure seems today. I remember back when we thought 250K was a lot of money: twenty years ago, a friend claimed she would have "a quarter of a million" upon retirement and the rest of us were slobbering with envy. Today that friend is pushing seventy, still working, and broke after an old house and three children from a deceased ex-spouse and his umpteenth wife ate up the 250K with barely a burp.

Looking Good: to dye or not to dye and the attitudes attached thereto

Looking Good: plastic surgery

The fact is, retirement is a dismal prospect for a bigger portion of boomers than want to admit it. Many have houses to sell….oh dear. Some would like to do a reverse mortgage on their homes….oh dear, the market is down and they don't have the equity. Investments aren't what they were before the market took a dive. Real estate isn't what it was. Costs of living aren't what they were.

 

If one picked the wrong job, married the wrong person, made some financial mistakes, worked for small companies that offered zilch for retirement, had a medical disaster, was divorced or widowed and now finds oneself facing "the golden years" alone…one might read the retirement advice with the angst of the outsider.

Beliefs About Aging: helpful or harmful?

In sum: you need a lot of money to get by these days.

Housing Options: tiny homes and co-housing

 

Opening words from my "platform," The Maturity Manifesto.  Okay, not everyone is poor. But not every one of us is rich, either.

"Sixty is the new forty." ----- Lauren Bacall

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