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Nancy Howell

Well-known Member
I thought the earliest I would be able to retire would be May 2018. Quite by accident I found out I could retire this coming May. HALLELUJAH! May 31, 2017 I will make the final drive from Dallas to the farm. James and I are thrilled!

Got a boat load of stuff to get done by then, but it is truly going to be a happy new year for me.

I hope all of y'all had a Merry Christmas and hope the coming year will be happy and blessed for you!
 
Congratulation to you on you retirement. I all so retired on May 31 too, some yr. ago. You & James have A good new year.
Good luck.

Hammer Man, E Tx.
 
I was able to take two weeks vacation coupled with the week the college is closed between Christmas and the new year. I have been at the farm since Dec. 9 and we both are loving it. Going to be hard to head back on Monday.
 
Congratulations! Gotta be nosy, 62 or 65? Younger? Good for you! Hope my arhritis holds off for at least 5-6 more years so I can enjoy life past 65.
 
I should have mentioned although you have probably taken it into account, you have to be 65 to get medicare. Don't leave your health insurance until you have something else all lined up. Medicare isn't so hard to understand, ask here if you need to.
 
That is very good news. Glad to see you getting away from that rat race. When I retired from field service. It was strange no service calls at 1am no heading out early in the morning. But I got over it. Which college is losing such a good person.
 
I retired at 63,lasted 2 months, now back to 50 hours a week. Just wasn't for me. I have worked hard since I was 16 years old. I am now 66. I just can't get my mind set to stop. I'll probably die with a cutting torch or a wrench in my hand. Most folks that I know love retirement,best of luck.
 
When I walked out the door after 35 years I was just a little sad for about five minutes. A week later when a fellow employee dropped off my last check he said he thinks it was the first time he had seen a big smile on my face. That was seven years ago and its been the best seven years of my life. I liked my job too. Good luck to you as you enter the next stage of your life I'm sure you'll enjoy it.
 
Ha! The only problem I have with retirement is trying to figure out how I ever had time to work! Between sugaring, keeping up with the firewood, Keeping up with the home improvement projects, Helping the kid on the farm here and there, and the garden, there seems to be enough to do.
 
That is great news. I have been fortunate enough to have "retired" at about age 30. I had long since gone as far as I could with the farm equipment dealership I worked at, and had to do something different. I left full benefits, guaranteed work, company vehicle, etc. to head out on my own. I have been blessed now for over 30 years to have worked for myself. The only one looking over my shoulder is me. I can imagine the freedom you're feeling. You deserve it. Best of luck.

(I still want to visit Texas some day!)
 
i just turned sixty the tenth of december .i have to go close to sixty five to get medicare but i am also like welding man i dont know if i can just stop working i hope the one hundred forty acres will keep me busy enough so i can retire guess we will see when the time gets here
RICK
 
All the financial gurus say work till 70 yrs old to get maximum Social Security. That may be true ,but you give up 8 years of retirement , your best health years. If you can afford it, retire at 62 and enjoy it.
 
I know what you mean. I'm 82 and still working full time. I've always said I'd rather wear out than rust out.

The way I look at it is since the Lord blessed me with enduring health and cognitive abilities, I owe it to Him to make use of them. Plus, my father farmed the same farm and worked the same workload until he was 85, so I need to at least match him.

Also, I have a sister three years older than I, and I'm not sure I'd want to try to keep up with her. She said once she guessed the word "retire" just isn't in our family vocabulary.
 
Congratulations! You will not regret it! I celebrate my one year retirement anniversary tomorrow. I am blessed to have been able to do it at 57, it's been a fun change, dogs are happy, wife even smiles most days! LOL!! We work hard our whole lives, if you can do it early enough to have the desire and the health to go out and do those things you've always talked and dreamed about!
 
6 2 this coming march 8. social security and part time work.more time to hunt fish farm and vist my new grand son in ind.
 
That is good news Nancy. I know that most people really enjoy their retirement and I have to say that there is a release of pressure and responsibility that comes with retirement. I have been a farmer and a pilot my entire life and always enjoyed working but this past year at seventy five, I turned everything over to the younger generation. We have a lot of plans and goals for the future and the bucket list would fill a washtub so there is no such a thing as too much time on our hands. Congratulations and good luck and we are all happy for you. Tom
 
I started drawing a pension at 55, waited until 66 to get full SS. Only regret, I didn't retire the day I graduated college.

Been retired 13 years. Loving every minute.
 
Congratulations! I'm sure you and James will have a great life "retired" on your farm (still a lot of work!).

I'm 68 and still working, but not very hard. I work for myself at an office job, and can keep whatever hours I want, so I guess I'll stick with it for another couple of years, at least.
 
Congratulations! I retired five years ago and yes, there is a great beautiful stress free life awaiting you, full of adventures ...make it happen.
 
. I hope that you enjoy your retirement as much as I have enjoyed mine for the last 10 years. I am so bust doing nothing that I hardly have time to get it all done. Life is good , health is good. God how I love it. I wish you the best in your retirement. If I had of known that retirement was this good, I would have retired at 25 years old and worried about work when I got past 70.
 
Good for you and enjoy it ! I retired 7 years ago at 63 years old. At 63 I went on pension ( 38 years a teamster) and SS at the same time and have more work to do now than when I worked full time.
 
Nancy,
Congratulations, I've been retired 1 1/2 years and have enjoyed it. I too worked at a college and I did miss the people I worked with,but that passes. I feel like every evening is a Friday evening and everyday is a Saturday.
Wayne
 
Early welcome to the world of ORF's...Old Retired...uh..."Folks". "8^)

I retired in 2012 and have loved every minute of it. Every once in a while, I think about taking a part time job to build up the toy fund, but a couple aspirin and a nap makes that thought go away.
 
Five months will go by quick. All the best on your planned retirement . I have no plans for retirement , although I haven't gone to work in 36 years, there still seems to be a few things to do everyday. I am sure your horses and haying will be much more fun this summer , not having any deadline to get things done before , back to work.
 
Never have met you or James but are glad you are going to be there with him. Makes for a great life. We spend the night in Sulphur Springs about 4 times a year so sooner or latter I am going to catch up with you guys.
 
Funny how you mention that you had not gone to work in 36 years.....when I applied for the bus driving job a few years ago, the interviewer asked for job references. Told her I had had no job for 35 years. She was about to end the interview rather quickly,gathering up her paper work when she asked " Did you do anything while you were unemployed?" When I said I had milked cows for close to 40 years, she said " You're hired!"

Congrats to the new retiree, welcome to club!
Ben
 
Good News!!!! You will really enjoy the freedom. I never retired but did start collecting SS and pension at 63. Have a "to do list" everyday and more work keeps coming in everyday. Hardly a day goes by without the phone ringing from one of the family needing something fixed or done.
 
Great news. Retirement is actually better than advertised. Retired Jan 2013 and have enjoyed every moment since on an East Texas ranch. Raising horse hay, restoring antique tractors, fishing at Lake Palestine, playing golf and traveling with the boss & pets in a coach. Love saying "no thanks" to people who try to fill up my schedule or tell us what we need to do. Every day in retirement is a Saturday. Enjoy. Tyler/Frankston area.
 
Congrats, there is life after a job but don't stop working. I never retired, but I did change occupations. Busier now than ever, but I don't work until 10 every night anymore. Take your alarm clock to a rifle range and dispose of it. Remark your calendar to show six Saturdays and one sunday every week. I still miss the guys at work and the Friday nights, but I'll get by.
 
almost every morning mrs 730 will ask me what do you have to do today i say feed the cows and fill the water tank.
just last night i said to her i'm glad i didn't have to go take milk samples tonight i wouldn't be home until 730- 8 o'clock then i would be hungry, tired , and cold i'm glad i was able to stay home and watch tv and read.
 
I go thru Gosport often. Should you two ever go back to see old family and friends I would like to meet you folks.
 
You will enjoy retirement. I found out in 2008 that they will pay me not to come in to work. I like this much better than getting up in the middle of the night in some of the worst weather and go work for some people that do not care for the person making them a profit.

We were in Dallas, Arlington, and down to Austin from the 20th to 26, got home on the 27th and went straight back to Greenville to pick up a new trailer I bought while down there. Got back with the trailer yesterday. (Friday 12/29) Dealer was $1400 below best price on the same trailer up here (Indiana) so I can drive a lot for that much. Whirlwind tour.
 
I was laid off in Jan. 1999. Lived off my severance pay for 9 months. Was so busy that 9 months, I wondered how I ever worked a full time job and got anything done around the place!

Like you, just changing jobs, but no time clock anymore. Get up when I want, do what we want, doze in my recliner when I want, and best of all, get to ride my horses whenever I want.
 
You know, I always wondered why some women lie about their age. It doesn't change anything. I have never had a problem telling people my age. I'm 63 right now. I'll be 64 in May.

Had to wait until May to I meet the "rule of 80" (age + yrs of service = 80) in order to retire with an unreduced pension. If you retire before meeting the rule of 80, they cut your retirement by 30%.
 
I don't know why they say that. I personally think it doesn't make sense. Calculate how much you would get drawing SS in the 4-5 yrs from 65 or 66 to 70. Then calculate how long it would take the extra amount you would get by waiting until you're 70 to match what you would draw if you started drawing SS at 65 or 66.

If you would draw $15,000/yr at 66, that's $60,000 you would draw in the 4 yrs until you turn 70. If the extra you would get by waiting until you're 70, is an additional $4,000/yr, you would be 85 (15 yrs) by time the $4,000 made up the $60,000 you would have drawn if you had started at 66. I don't think its worth it.

The numbers above are not actual, but I did the actual calculation a couple of years ago using my annual SS statement. It took so long for the extra to make up what I would have drawn, it just wasn't worth it. There's no guarantee you will live long enough to reach the break even point.



We will have enough income that I will wait until 66 to start drawing SS.
 
Try a topical ointment called "Relief" made by Corganics. You can get it online by googling it. Its not expensive, $15 - $20 a tube. It only takes a tiny bit and a tube will last a very long time.

Be sure to wash it off your fingertips after using. Its no fun getting the menthol in your eyes or other tender places.
 
Already checked into that. I can get healthcare coverage pretty equal to what I have now through the retirement administration for $210/month. Will need that for a year until medicare kicks in.
 
sold cows almost 6 yrs ago, wife says after nearly 40 yrs milking were retired, i say were just not milking anymore. now raise heifers for neighbor, steers, crops, custom tile spring and fall, squeese in a few more tractor shows now in summer
 
I took mine at 62 and if I would have waited till I was 65 it would have been 72 before I broke even. And am now 73.
 
Congratulations! Hope it is as good for you as it has been for me. I do disagree with those who say never quit working. I say say keep busy with what makes you happy. I do "stuff" everyday. Some days that's working on tractors or cars, some days fishing or hunting, some golfing and others sitting in the recliner watching football. One thing I will never do again is get up and go somewhere for a pay check!

Happy New Year!
 
All the family that was from Gosport have now relocated to heaven. Its not likely we will be up that way any more, but thanks for the invite.
 
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