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What is everyones ideal retirement plan? I dream about retirement allot even though its probably over 20 years away wheareas my girlfriend doesn't pay much attention. I have even started to think about increasing pension contributions through work even though its already an ok scheme but feel like I want to max it out as much as I can so I can retire earlier (theres also tax breaks here in the UK so it works a bit in favour). None of this stuff I would have cared about while getting drunk all the time in my 20 and early 30s
I think my plan would he a round the world cruise if I could afford it. Then maybe move somehere hotter, get a dog and go to the pub every day. Thats pretty much it, see a bit more of the world then relax into death like marlom brando at the end of the godfather.
Does anyone else have grander plans if they survive that long?
P.s. Jay I tried to ask you this in the chatroom but you ignored me AGAIN
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Jun 11, 2025 12:11
Retirement is a fools game, why retire when you can live a life full of retirement, buy a boat, sail the seas, live the dream eat a dog |
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Jun 11, 2025 12:27 Where do you get your money to do that Jay? |
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Jun 11, 2025 13:02 Elaborate heist. |
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Jun 11, 2025 13:02 Stealing isn't cool |
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Jun 11, 2025 13:14 Then explain Hans Gruber! |
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Jun 11, 2025 19:40
No retirement for me. I prefer to keep active. I have an eternity to sleep and rot all it wants when I'm dead. |
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Jun 12, 2025 04:02 Jay's plan is right. |
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Jun 12, 2025 08:50 Stealing isnt cool and I thought better of you Ryan |
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Jun 12, 2025 13:07 Sounds like we're starting to form a crew, time for a montage with a multi-frame composition, i'll do the voice over! |
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Jun 13, 2025 01:20
As someone training to be a financial advisor I love this discussion. |
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Jun 13, 2025 02:33 Your name should be Throne of retirement |
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Jun 13, 2025 02:33 Given the economy and how America is my retirement plan is to die. I doubt I'd be able to save enough money to actually retire |
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Jun 13, 2025 12:54
They are: |
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Jun 13, 2025 13:57 401k is a low risk investment account basically |
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Jun 13, 2025 13:58 I thought 401k was warhammer? |
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Jun 13, 2025 16:07
Wunety,,or whatever that is, who says you don't keep busy when retired? You get to choose what you want to do it have to do when youre not working. |
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Jun 13, 2025 16:53 Retiring in the 90s was easy. Everything in the 90s was easy. |
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Jun 13, 2025 18:40
1 Good that's ideal for someone with a longer time horizon before retirement. Log onto your benefits portal and see if there's an option to reallocate where it's invested. 100 - your age = how risky you should invest. To add to what Neon Waifu said, a 401k can be a low risk investment and it usually is by default however it can be allocated aggresively too. |
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Jun 13, 2025 18:50 Best side note ever when not read within context. That one came out of left field for me. I read everything else, then bam... |
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Jun 13, 2025 18:55
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Jun 13, 2025 19:02
Financial services |
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Jun 13, 2025 21:05 Dude that sounds like a bougie benefit! Good on ya! And iRa only allows 7k a year |
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Jun 13, 2025 21:06 ETFs are solid, you watch Dave Ramsey or something? You sound like you got a decent grasp for what you’re doing |
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Jun 13, 2025 21:26 Who is Dave Ramsey? |
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Jun 13, 2025 21:29 Some guy with a podcast about this stuff |
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Jun 13, 2025 21:55
Nah, never heard of him I do read a few decent websites to try and stay informed though. |
