patrick.net

You're assuming everyone's got inherited $$?

Maybe clambo worked and invested well enough.

That's what I did. I'm not living in Caligulan Splendor, but I don't have to work anymore.

I did the same kind of calculation. How long have I got to live, and how do I want to spend it.

I prepared for no inheritance, so I have more than I anticipated.

$500/month invested since 1993 would be a million at least.

Out of fear of poverty and obsession with investing I sometimes exceeded it significantly.

My case is unique since I had no children etc.
"As soon as you can" implies your situation may not allow retirement but the clock starts ticking very loudly after 64 or even before.

clambo says

I have an inherited IRA

clambo says

I prepared for no inheritance, so I have more than I anticipated.

$500/month invested since 1993 would be a million at least.

Out of fear of poverty and obsession with investing I sometimes exceeded it significantly.

My case is unique since I had no children etc.
"As soon as you can" implies your situation may not allow retirement but the clock starts ticking very loudly after 64 or even before.

I assumed since you led with "I have an inherited..."

I'm still waiting for the pile to melt away with economic collapse. Now that Walmart is going bankrupt with the Chinese withholding their goods for real (not fiat) money, the fallback position of Walmart greeter has also disappeared.

I know people who seem to spend all their time on cruises like that's the end all and be all. I have absolutely no desire to engage in excess pointless travel or cruises. Any trips we take will be to for alternative history seminars or geologic history seminars with tours.

Lady that does my hair goes on cruises all the time. She said the last one to Alaskan coast half the time was spent getting on the ship going through transit crap in Seattle and Vancouver, there was fog the whole time on the ship, and the people they met were a bunch of louts. She said she thought it was supposed to be a Danish line, but they had fake Euro food that was disguised Asian. I think relentless travel is a kind of compulsion.

Very few people even seem to be able to give a reasonable description of what they did or what they saw. I had a client who told me his wife wanted to do the cruises, but he always wished before they were half through that he was home again.

A cruise sounds painful to me, trapped on a boat, potentially seasick, and with all your food options quite limited.

I suppose clambo's thesis is correct on many fronts. In California, it is inheritors who increasingly are the middle class royals, we are surrounded by them.

As far as running the gauntlets of age, we now know the government wishes to exterminate anybody over 60 as a creditor, lab generated murder bugs will be released on an annual basis, the Rockefeller medical and pharma establishments are all captured and fake so one has to pick and choose uncontaminated medicine and surgery with extreme care, a good bulk of doctors are con artists being ordered increasingly by the Rockefeller programmed bot artificial intelligences broadcasts on their computer screens, with pre-packaged lies and fear persuaders.

I think the day is arriving shortly where patients will automatically be DNA typed without their consent, and the Rockefeller AI will send flash alerts to elites or organ donor profit centers that you are a match for their donor needs, and the AI will turn toward murdering you outright for your organs.

Things turned rather black pill overnight, but it's hard to know to be grateful for the knowledge of how things really are vs. blue pill ignorance.

Of course, there are also all of the KommieKunt social division wedges between generations, that even people around here buy into.

I can retire at 57, but with only 35% of my pension. The percentage grows with the time spent after that still working, to max out at 65. It doesn’t make much sense for me to start drawing pension at 57. If I don’t want to do this job, I could do something else for a few years and then start drawing.
Idk. I’m lucky to have a pension and that my wife is also building one.

Patrick says

A cruise sounds painful to me, trapped on a boat, potentially seasick, and with all your food options quite limited.

Did a transatlantic cruise roughly 10 years ago and loved it. Not for those who easily get seasick, but the food was terrific, gym, sports courts, nice pools etc. It was super cheap as well as it was right at the start of the season in April, like $400 per person, all-inclusive food (which was really good). Think it was Norwegian.

Patrick says

A cruise sounds painful to me, trapped on a boat, potentially seasicksick, and with all your food options quite limited

Sick.

Can you say, "Norovirus"?;

"Diamond Princess?".

I retired in 2021 at age 52. Since we Apple workers were still all cowering in place, I wasn't feeling any of that joyous camaraderie with colleagues during lunch. I have also been getting less and less excited about keeping up with all the new technology My mother keeps asking if I miss work .... Nope! I've been playing a bit more golf and finally got my act together for some serious (and costly) sailing in San Francisco bay.

clambo says

Judging from myself and the people I know, it's all fine until about age 64; then shit starts to happen to us.

It's the 7th bit that does you in!

You can also withdraw from your IRA's (traditional / rollover and Roth) using a SEPP.

The SEPP allows you to withdraw (before 59.5 years of age) around 3.5% a year without incurring an early withdrawal penalty.

https://www.investopedia.com/terms/s/sepp.asp

,

Ceffer says

I think the day is arriving shortly where patients will automatically be DNA typed without their consent, and the Rockefeller AI will send flash alerts to elites or organ donor profit centers that you are a match for their donor needs, and the AI will turn toward murdering you outright for your organs.

I hope we don't get to this point, as if it is similar to Soylent Green. I have read the Chinese Communists have actively engaged in organ harvesting.

I think we may see more technology advancements such as growing organs in a lab.

.

I envy Sunnyvale sailing; I think it's a lot of fun.
I've only done it 3 times in San Francisco Bay.

If you can't make it past 64 without falling apart, you're doing something wrong. I plan to die in my sleep in my house, still fully functional, and if I'm not over 100, I did something wrong. Investment isn't worth shit if you don't take care preventative care of your health.

My friend retired in his 40's. Single, no kids, never lived beyond his means. He bought his property after the crash, and well after his family gave him shit for not buying sooner. He's actually considering going back to work, just because he misses it, not for the money.

I don't plan on retiring, just living more self-sustainably, and going into business for myself.

My cousin was really into cruising, living in Florida, and was part of a cruising group. Whatever floats your boat. I'd rather live in different places for a few months at a time.

NuttBoxer says

I plan to die in my sleep in my house, still fully functional

"If you want to make God laugh, tell him about your plans." ― Woody Allen

NuttBoxer says

I'd rather live in different places for a few months at a time.

Me too. I'd like to get my business to a point where I can operate/oversee it from anywhere. Once I can do that, I won't own anything. I'll be a nomad.

clambo says

$500/month invested since 1993 would be a million at least.

Still not enough to retire in Caligulan splendor. With Bidenflation even $1M isn't going to amount to much for long.

SunnyvaleCA says

I retired in 2021 at age 52. Since we Apple workers were still all cowering in place, I wasn't feeling any of that joyous camaraderie with colleagues during lunch. I have also been getting less and less excited about keeping up with all the new technology My mother keeps asking if I miss work .... Nope! I've been playing a bit more golf and finally got my act together for some serious (and costly) sailing in San Francisco bay.

Kudos for you. It was similar for me except I was a few years older and at a different tech employer.

Retired in my 50's I am so busy I don't know how I had time for a job. My SF Bay recreation is more modest, Open Water Swimming. Please don't run over me in your boat.

Booger says

Still not enough to retire in Caligulan splendor.

Foreigners from the US, Australia, Europe can live in Caliguan Splendor in an expat community in the Philippines on about $2000 per month. I know some of them.

clambo says

I envy Sunnyvale sailing; I think it's a lot of fun.
I've only done it 3 times in San Francisco Bay.

@Sunnyvale @Onvacation

Maybe there should be a patrick.net group sail.

@clambo ^

mell says

Patrick says

A cruise sounds painful to me, trapped on a boat, potentially seasick, and with all your food options quite limited.

Did a transatlantic cruise roughly 10 years ago and loved it. Not for those who easily get seasick, but the food was terrific, gym, sports courts, nice pools etc. It was super cheap as well as it was right at the start of the season in April, like $400 per person, all-inclusive food (which was really good). Think it was Norwegian.

Cruises aren't for everyone. While it's usually 8 hours max per port, which really isn't that long, you can get introduced to new areas.

First time we went to St. Thomas we're like WTF is this place. Yes it looks like shit driving through. Get to the beach and we have dudes selling us weed and BBQ and we're snorkeling in the clearest/bluest water looking at a fuck ton of fish. Curacao was another gem. Hard to fly to with 3 kids at this point. Aruba is overrated though you can have fun. Dutch and a lot of Americans live there.

Covid can eat shit on a stick. Family of four, $4,452. This was cancelled...


Cancelled one fucking week before. Because of the cold.

Seasickness is manageable. I never got it and did the last two times this year. Only time I recommend popping pills. Once I'm lubricated with beer I mellow out as well. Sea sickness is an equilibrium type thing. I have no data to back it up but the depressant nature of alcohol slows your acknowledgement of the moving boat. You just have to be constantly buzzed (not drunk). Any depressant usually works. There's a reason pirates are portrayed as drunks. It works on ships.

WookieMan says

Once I'm lubricated with beer I mellow out as well. Sea sickness is an equilibrium type thing.

in the 1980's I went on a backpacking trip wandering around Britain for a couple of weeks in January. This was before the Channel Tunnel opened.

Locals around my age whom I met all over the island, from the Scottish Highlands to suburbs south of London and places in between highly recommended a Booze Cruise. They explained the concept: the huge ferries that mainly transported lorries (freight hauling trucks) across the channel sold tax-exempt alcohol in the international waters between Britain and Europe. The standard limits of so many bottles you could carry home applied. But there was no limit to what you could drink on the ship. They had a pub and a duty free shop. We got our pitchers at the pub and poured our shots from our purchases in the duty free shop.

The ferry operators sold a special excursion ticket for this purpose, with a super-cheap fare. It would not take much drinking to cancel the cost of the fare. It was required not to "enter" the country on the other side. Just hang out in the ferry terminal to catch the ride back to Britain.

Since these massive ferries mainly served the trucking industry, they operated in all sorts of weather. There was a violent storm going on in the region at the time. Super strong wind, torrential rain. We got to the ferry Dover terminal by rail late at night when the lorries were boarding the ferry.

My friends told me that we must eat before the journey to avoid seasickness. It didn't make sense to me. I reckoned riding that ferry in that rough weather after a large meal would make me even sicker. They told me that I was wrong. The key to avoiding sea sickness, they said, is to consume a large carbohydrate laden meal before the journey. Just look around, - see, - look at them all. Yup, the diner at the Dover terminal was like a huge truck stop on an interstate in the American West, British and European truck drivers all chowing down on huge meals before the journey. Even though trucks were already rolling onto the ferry, my friends told me we had plenty of time as the boarding process takes a very long time.

That was one heck of a boat ride. It was a huge ship, maybe like the size of an aircraft carrier, violently pitched this way and that on the trip across the North Sea to Ostend. I went in the men's restroom. The ship was moving so violently water was splashing up from the toilets and urinals and running across the floor. Some men were in there vomiting. It was a nasty, violent scene.

But my friends were right: we drank pitcher after pitcher, shot after shot, for the five hour violent ride and nobody, including me, got seasick.

Rinse and repeat: have another Big Carb meal at the Ostend terminal. The storm lessened for the ride back and I slept for most of it. We got back to Dover around dawn.

Years later I applied this approach before going on deep sea fishing boats from SF and Half Moon Bay. Find a Denny's or something like that and have a huge meal with lots of carbs. It worked each time.

Once, I got a late start for a Farallon trip and skipped the Big Carb meal. Sure enough I was miserable and seasick the whole time.

Agree completely 100%. My BIL said the moment he hit 50, he’s out the there with a pension collecting around $12-$13k/month.

For me, I’ll likely “work” until the day I die although I haven’t had a W2 since 36. I like what I do and put in a couple hours each day to be sure the biz runs smoothly. I can take off anytime I want.

Life without a W2 is plenty busy. So many things to do that 24 hours a day is not enough.

Whack yourself in shape if you’re not. It does so much good for our body and mental health. Your joints will thank you for every pound you lose. Don’t forget about stretching.

For Nuttboxer above:
One guy died of skin cancer, a girl breast cancer, her brother a brain tumor, another multiple sclerosis, a female from Santa Cruz a brain tumor (she's cured after surgery), another guy triple bypass, another guy artery stents.
The triple bypass guy may have had lifestyle causes.
My case was sudden symptoms of hip arthritis after scuba diving and climbing a sand dune with gear on.
Previously I walked about 8+ hours per week and went to the gym 4 days per week.
I agree with Booger $1 million doesn't seem like that much but the point is it's very achievable.

Patrick says

Maybe there should be a patrick.net group sail.

I went for a sail around Angel Island with a friend last Sunday. We sailed up the slot between the island and the mainland and then out towards Alcatraz before we turned for home. It was another one of those windy wavy SF Bay days. We were busy keeping the boat heading in the right direction.

About a half mile due east of Pt. Blunt my friend points excitedly. "Look!". Right off the upwind rail, almost close enough to touch, was an adult gray whale surfacing and blowing. we saw his arched back as it moved along in the water going slightly faster than we were sailing.

By the time I got my camera out all that was left was the bad smell of whale breath.

We also saw two seals, one sea lion, and a Harbor porpoise. Being close to nature is one of the joys of sailing.

Onvacation says

Patrick says

Maybe there should be a patrick.net group sail.

I went for a sail around Angel Island with a friend last Sunday. We sailed up the slot between the island and the mainland and then out towards Alcatraz before we turned for home. It was another one of those windy wavy SF Bay days. We were busy keeping the boat heading in the right direction.

About a half mile due east of Pt. Blunt my friend points excitedly. "Look!". Right off the upwind rail, almost close enough to touch, was an adult gray whale surfacing and blowing. we saw his arched back as it moved along in the water going slightly faster than we were sailing.

By the time I got my camera out all that was left was the bad smell of whale breath.

We also saw two seals, one sea lion, and a Harbor porpoise. Being close to nature is one of the joys of sailing.

Hmm... That sounds like a good idea!

Patrick says

Maybe clambo worked and invested well enough.

That's what I did. I'm not living in Caligulan Splendor, but I don't have to work anymore.

But don't you have a high-income earning wife?

Sht is coming down and we all know it. Retire ASAP!!!

At 70 yrs, already 15 yrs retard from UH Manoa. Move to Fl from the SHTHLE some call Hawaii. 12 X-Atlantics to EU from here + dozens of cruises/trips satisfied my lack of surfing. Cannot "pop-up" anymore anyway{>.

Best damn 2.5 hrs I have spent recently and 1.5x made it more interesting. https://www.youtube.com/watch?v=_Dc4JP4OloU

clambo says

One guy died of skin cancer, a girl breast cancer, her brother a brain tumor, another multiple sclerosis, a female from Santa Cruz a brain tumor (she's cured after surgery), another guy triple bypass, another guy artery stents.
The triple bypass guy may have had lifestyle causes.
My case was sudden symptoms of hip arthritis after scuba diving and climbing a sand dune with gear on.
Previously I walked about 8+ hours per week and went to the gym 4 days per week.

I remember attending a seminar when I worked at Illumina, sometime around 2010 where the guy said in 20 years, half of all males, and 1/3 of all females would develop cancer. I thought "This is fucked, not way that should be normal." No one intends to get cancer, none of the people you know including yourself intended to be in bad health, but there's been so many lies put out about what makes people healthy. I don't know a single person in my family or my wife's who has passed away how I want to. Most of them lived to be 70 or 80, but none of them where in very good health.

My parents have a decent shot, due to exercise, and my dietary advise. They both have arthritis. I've told them it's usually inflamatory(diet related), but people tend to just accept certain things that they shouldn't as normal.

None of us should know as many sick people as we do, as many people who died before their time...

clambo says

retire as soon as you can

Instead of saying RETIRE, i would say "stop doing shit that you don't like to do" as soon as you can. No reason to stop working if you enjoy it.

Booger says

Still not enough to retire in Caligulan splendor.

Is it enough to dine a few times a week at applebees and the olive garden in the "earlybird" timeslot? Maybe even have a glass of their house wine?

mell says

Did a transatlantic cruise roughly 10 years ago and loved it.

They had tranny cruises in the Atlantic 10 yrs ago?

Retirement is just withdrawing yourself from society and abandoning any control of it.

richwicks says

Retirement is just withdrawing yourself from society and abandoning any control of it

Yeah, could live just better than being homeless such as on a sailboat or an RV.

Reminds me of the movie Nomadland

Bob Wells is a master of RV cheap living and nomad life : https://www.youtube.com/channel/UCAj7O3LCDbkIR54hAn6Zz7A/videos

.

komputodo says

Instead of saying RETIRE, i would say "stop doing shit that you don't like to do" as soon as you can. No reason to stop working if you enjoy it.

For me work is too easy, too lucrative, and stress free, so why stop? I like the idea of not having to pay $1000/month (or something close to that) is after tax dollars just for health and dental insurance. Plus padding my 401K and potentially upping my SS payout (to offset the potential reductions coming) appeals to me. My idea of "retirement" anytime soon is more like a WFH gig (I have to go to work in the office now).

richwicks says

Retirement is just withdrawing yourself from society and abandoning any control of it.

Not for me. Busier than ever in social activity now that I am not working.

Spending some time volunteering which while not controlling, is impactful in its own little way.