{"id":8255,"date":"2022-06-15T19:11:48","date_gmt":"2022-06-16T00:11:48","guid":{"rendered":"http:\/\/blog.jlbn.net\/?p=8255"},"modified":"2022-06-19T14:45:41","modified_gmt":"2022-06-19T19:45:41","slug":"dont-retire-to-something-retire-on-something","status":"publish","type":"post","link":"http:\/\/blog.jlbn.net\/?p=8255","title":{"rendered":"Don\u2019t Retire To Something. Retire On Something."},"content":{"rendered":"\n

Retire On<\/strong> something.<\/p>\n\n\n\n

And With<\/strong> something.<\/p>\n\n\n\n

And From<\/strong> something.<\/p>\n\n\n\n

And Under<\/strong> something.<\/p>\n\n\n\n

And Before<\/strong> something.<\/p>\n\n\n\n

And In<\/strong> something.<\/p>\n\n\n\n

And For<\/strong> something.<\/p>\n\n\n\n

If you\u2019ve read any advice related to early or standard retirement, you have encountered the following mantra:<\/p>\n\n\n\n

\u201cDon\u2019t retire From<\/em>  something. Retire To<\/em>  something.\u201d<\/strong><\/p><\/blockquote>\n\n\n\n

Retire To<\/strong> Something <\/a>is great advice and I\u2019m not here to dismiss or disparage it. I could have just as easily written this post with the quote as the title, but where\u2019s the fun in rehashing advice that appears on the pages of hundreds of other articles and forum threads on the subject?<\/p>\n\n\n\n

So let\u2019s try the phrase with some different prepositions.<\/p>\n\n\n\n

Don\u2019t Retire To Something. Retire On Something.<\/h1>\n\n\n\n

Retire On Something<\/h2>\n\n\n\n

Retire On<\/strong> your own terms. Leave when you\u2019re good and ready, not when someone else decides it\u2019s best for you to move on.<\/p>\n\n\n\n

Retire On<\/strong> the day of your choice. Perhaps you\u2019ll celebrate your birthday with an early retirement or decide to make Labor Day your Anti-Labor Day. Or work just long enough in the calendar year to max out your retirement accounts one last time.<\/p>\n\n\n\n

Retire On<\/strong> a sizable pile of investments. Play your cards right and your passive income streams and investment accounts will allow you to live a retired life with little worries about money with your safe withdrawal rate <\/a>below four percent.<\/p>\n\n\n\n

Retire\u00a0<\/strong>On<\/strong>\u00a0drugs<\/a>. Just kidding! Don\u2019t do that. Maybe some metoprolol and a baby aspirin. Toss in a statin if your liver will tolerate it and probably some insulin if you\u2019re diabetic. But none of the illegal stuff.<\/p>\n\n\n\n

Retire With Something<\/h2>\n\n\n\n

Retire With<\/strong> your better half. If you\u2019ve achieved FI as a couple, you\u2019ll probably want to enter the next chapter together, as well.<\/p>\n\n\n\n

Retire With<\/strong> your kids\u2019 best interest in mind. Build up their 529 Plans<\/strong><\/a> first. Expect to be more present for them than you were able to be during your working career. Make it to every game, recital, and holiday celebration for the rest of your years.<\/p>\n\n\n\n

Retire With<\/strong> your health intact. Many an ailment has led to a retirement that was neither planned nor fully funded. Take care of yourself and retire while you\u2019ve still got some of that youthful vitality!<\/p>\n\n\n\n

Retire From Something<\/h2>\n\n\n\n

Retire From<\/strong> the obligation of paid work. While the common quote begins with \u201cDon\u2019t<\/em> retire from something,\u201d that\u2019s exactly what you\u2019ll be doing. Embrace your newfound freedom.<\/p>\n\n\n\n

Retire From<\/strong> the alarm clock (or alarm app). And the pager. I hate<\/em><\/strong>  the ^$(#! pager.<\/p>\n\n\n\n

Retire From<\/strong>\u00a0the stress that came with your job and your prior reliance on a paycheck.\u00a0Financial independence\u00a0<\/a>takes away the stress of financial insecurity, and retirement can take away\u00a0the stress of\u00a0dying patients<\/strong><\/a>\u00a0and other stressors you might have encountered on the job.<\/p>\n\n\n\n

Retire Under Something<\/h2>\n\n\n\n

Retire under<\/strong>\u00a0a blue sky. Make plans to visit your dream destination and plan to stay awhile. #slowtravel<\/p>\n\n\n\n

Retire under<\/strong> the impression that you\u2019re making the right choice. If you turn out to be wrong, you can always return to paid work someday.<\/p>\n\n\n\n

Retire under<\/strong> mysterious circumstances. If you\u2019re not comfortable telling people you\u2019re retiring when you\u2019re so young and good-looking, just say you\u2019re moving on to explore additional opportunities and other vague language that implies you\u2019re not actually retiring. And then do whatever it is you want to do.<\/p>\n\n\n\n

Retire Before Something<\/h2>\n\n\n\n

Retire Before<\/strong> it\u2019s too late! Sadly, some people never get a chance to experience a single day of retirement. I suppose that\u2019s the dream for someone who absolutely loves to work, but if you\u2019ve read this far, that\u2019s probably not you.<\/p>\n\n\n\n

Retire Before<\/strong> your friends and colleagues. Be prepared for looks of bewilderment and lots of questions.<\/p>\n\n\n\n

Retire Before<\/strong>\u00a0your parents. It\u2019s too late for me, but millennials are realizing it\u2019s possible and seizing the opportunity. See\u00a0Retire Before Dad<\/a>\u00a0for further details.<\/p>\n\n\n\n

Retire In Something<\/h2>\n\n\n\n

Retire In<\/strong>\u00a0the prime of your life. Why wait until you\u2019ve experienced decades of physical decline and at higher risk of\u00a0cognitive\u00a0impairment\u00a0to retire?\u00a0Play with FIRE<\/strong><\/a>\u00a0and retire when you\u2019ve got the energy and ability to check all the boxes on that\u00a0bucket list<\/a>.<\/p>\n\n\n\n

Retire In<\/strong> your dream home. A dream home<\/strong><\/a> doesn\u2019t have to be a grand estate, but it should be right sized for you and in the geographic location you most want to be. Without the need to work, you can live wherever you\u2019ll be happiest.<\/p>\n\n\n\n

Retire In<\/strong> comfortable clothing. No more suits or starchy scrubs. Business casual becomes beach casual. You can still dress up if and when you want to, but wearing certain clothes (or in certain places, wearing any clothes) becomes optional in retirement.<\/p>\n\n\n\n

<\/h2>\n\n\n\n

Retire For Something<\/h2>\n\n\n\n

Retire For<\/strong> your mental health. I\u2019ve explored how retirement can make it easier to do all the things that science says will make us happy<\/strong><\/a>. Rates of depression and suicide are higher among physicians as compared to the general population. Retirement can take away those stressors and give you back your time.<\/p>\n\n\n\n

Retire For<\/strong> your family. As long as you\u2019ve taken care of your financial needs first, retirement can benefit your immediate and extended family. You\u2019ll now be able to prepare a meal and sit down with your family to enjoy it on a more consistent basis. When a loved one becomes ill, you can go to them and spend all the time with them that they may need.<\/p>\n\n\n\n

Retire For<\/strong>\u00a0a change of pace. Maybe you just need a break. Or a different career; remember, retirement doesn\u2019t have to be permanent. But if you\u2019re in a career or life rut, and you\u2019ve saved a good deal of money, a trial at retirement might be just what you need to figure out what you want the next chapter of life to look like.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Retire On something. And With something. And From something. And Under something. And Before something. And In something. And For something. If you\u2019ve read any advice related to early or standard retirement, you have<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[254,3421],"tags":[888,3436],"_links":{"self":[{"href":"http:\/\/blog.jlbn.net\/index.php?rest_route=\/wp\/v2\/posts\/8255"}],"collection":[{"href":"http:\/\/blog.jlbn.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/blog.jlbn.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/blog.jlbn.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/blog.jlbn.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8255"}],"version-history":[{"count":1,"href":"http:\/\/blog.jlbn.net\/index.php?rest_route=\/wp\/v2\/posts\/8255\/revisions"}],"predecessor-version":[{"id":8256,"href":"http:\/\/blog.jlbn.net\/index.php?rest_route=\/wp\/v2\/posts\/8255\/revisions\/8256"}],"wp:attachment":[{"href":"http:\/\/blog.jlbn.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8255"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/blog.jlbn.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8255"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/blog.jlbn.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8255"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}