Retirement Countdown 2025

This week I plan to notify my employer that I will be retiring. I've elected to give 3 month's notice as my employer's retirement office asked that we submit our notice to start processing our retirement paperwork. I think this notice is more than generous to allow my office to locate or provide contingency plans for my upcoming departure.  Sadly, as I prepare for this decision to notify my employer, a few outlying events have happened that may affect my employer, but not necessarily me. One, being that my employer relies on heavy federal funding to continue with services and medical studies in the coming year(s), they've decided to implement a hiring freeze. So, no replacement for my position but probably hire a temporary employee in the meantime. I don't know how long a hiring freeze will be in place, but I feel that will be an inconvenience. Two, in light of the economy, my speculation will be that we may head into a recession. People will keep a close eye on the...

Last month was my 60th birthday. I can't believe it arrived. For almost a decade I was dangling around telling people I'm in my 50s. Now that is not the case, I ponder what now? An R&B singer, Aaliyah had a song titled,  " Age Ain’t Nothing But a Number". I thought of this, and say, really is it just a number?  To me, it's a statement that I'm no longer in "that" demographic of individuals who are under 60. I'm with the group now that borders on pre retirement age to full on, no longer working. Well generally. I think of my high school classmates who are all turning 60 this year in 2025. To think just 35+ years out of high school we were young and invincible. As life moves on, we take on our careers, family, and new lifestyle of being adults. i.e. paying taxes, voting, and managing our lives as best as we can. Surreal.  Union Square, San Francisco, CA   Personally, as I prepare my impending retirement from my current employer, I'm a bit a...

I'm literally 5 months away before I pull the trigger. I started to see the light at the end of the tunnel on this retirement journey. Looked at my finances as usual, looks like I'm in rather good shape; budgeted for a couple of trips I'll be taking before my retirement and after.  Next week will be my 60th birthday and that number, 60 is quite large and intimidating. I never thought I'd see myself being 60, I always thought it was someone else, but wow, I'm going to be there soon. What I also looked into was my health. I've lined up a couple of yearly medical routine check in with my primary doctor and also schedule an eye check up.  All usually around my birthday. Cross fingers I won't encounter any significant changes in my health. I do admit I've gained quite a few over the years. Not sure if was due to getting older or I'm less active these days. I've been doing free weights, some running, and strength training but not at the level I was whe...

It's 2025. My countdown to my retirement date is July 1st. I'm quite anxious at the same time scared. But, I've been planning this for years and now that I want to pull the trigger, I have this unease, at the same time excitement to leave my present employment and really take some time off.  All these emotions running through my head lately is not a surprise. It manifests in my constant checking of my financial health. I'm always logging into my account to see if I have enough to retire. In addition, I'm scrambling to fund a healthy emergency fund, for the just in case moments. Also, taking stock of my health at this time. I have not been running or working out as usual. I walk alot but it's not quite what I find as good. Sleeping hasn't been any easier, for years, I don't sleep a full 6 hours. If anything, much less. Wonder if it's because I'm getting older and "we" old people don't sleep like our days of going to clubs at late ni...

I'm taking in the stormy weather we've been having in the Northern California area to stay in to do a little writing. It's been a few days after Christmas and I'm really feeling the sense that my desire to retire in 2025 is literally around the corner!  As I select July 1st as my last day in the office, standard protocol in submitting a retirement/resignation to my employer is generally 3 months. This allows all the paperwork to be processed just in time before I walk out the door. So starting in April I'm letting my director know I'm leaving.  Personally, I still feel the anxiety and wonder if it's the right time, will I make a mistake by retiring too early, all these crazy thoughts start to surface in my head and making me second guess my decision.  But as there is constant rain pouring outside my window, I'm given some calmness that all my preparation has been more than enough. I've crossed all my T's and dotted my I's, and it's really...

Photo Credit  As of today, I'm merely 9 months away from calling it, to retire. I've prepared for years to pull the trigger and retire. Somehow, I feel I have this anxiety that it may not go to plan. As much as I prepared financially, socially, and strategically, the emotional aspect seems to be a recurring challenge.  Anxiety. Definition:  a feeling of worry,  nervousness , or unease, typically about an  imminent  event or something with an uncertain outcome. I can't seem to manage this feeling. I would ask myself did I prepare well? Did I save enough? Am I doing the right thing to retire at 60? Some of these questions become issues of self doubt and just outright anxiety.  People say, "control what you can" and not worry about things you can't control. I believe this is sage advice. Whether your planning to retire, or move to a new location, choose to be in a new relationship, all comes into play of what you can control.  Having said that, here ...

  This has been such a common and important question many soon to retiree(s) need to make a decision. Do I stay or should I go? Sounds like a song lyric, but the truth is, yes where do I decide to live after retiring?  City Living  Here's my predicament, I live and work in the city where my job is so, it makes sense to be centrally located to where my job is - right? But, when you decide to leave, should you relocate? I live in an apartment in the city that has rent control. Many say once I leave, I can't come back as the cost of living for housing will never be the same. On the other hand, I also have real estate property outside of the city. This will be paid off soon. I could live there and forego any additional rent paying in the city. But I don't want to live in a remote setting. For me, I'm a city slicker, I love the city vibe, the convenience of walking out my door and getting a cup of coffee and sit and take in the city setting. Where as living in a remote locat...