What to Do When Your Husband Announces to the World That He Wants to Retire at 45

Well after begging a few times my wife came through with not just one, but two guest posts. Here’s the first installment. I’ll be posting the second one over the holidays. If you have any questions for her please leave them in the comments as she does read this blog.

So what exactly do I think of Tim’s dream to retire at 45? I think if he can do it, but I really don’t care about it too much.

Me, I’m more the short term thinker in our family, my idea of extremely long term planning is thinking about whether we’re going to send our kids to school or home school them. I see my part in our financial planning as thinking about vacations and other short-term goals.

Tim does all the long-term money stuff, but I am totally involved and all financial decisions are made together. Yet when he starts to discuss paying off the mortgage or investing my eyes do get a little heavy (Sorry Tim, but it’s true). I don’t disagree with anything we’re doing regarding saving for retirement, but for me, it’s hard to think about something that far off in any meaningful way.

So in the end if we do retire at his 45th birthday, great, give me a drink. Otherwise I’ll just get back to planning our next vacation. So Tim, how do the Rockies sound for 2008?

7 thoughts on “What to Do When Your Husband Announces to the World That He Wants to Retire at 45”

  1. How I wish too that I could have retired early. I only managed to retire at 50. But it was not voluntary. It was my Company policy. However, a couple of years before that I did begin to think about what I could do long after my ‘retirement’. I looked into Options Trading and saw that as a means of earning a living.

    If I knew that much, much earlier – I would have chosen to retire much, much earlier. But no regrets – better late than never. But now I encourage people to explore alternatives to working from home, like Options Trading and Internet Marketing.

    I’m also working at building my Internet Marketing business. And I see the opportunities.

  2. Cool post.

    The reality of long term financial planning is that it’s very theoretical. There are so many variables that you really just have to put a plan in place, monitor once in a while and see what happens.


  3. MillionDollarJourney:
    Thank-you, as to your questions, I would have to say that Tim is the frugal one in the family and he takes the lead in it. That said, I am totally on board with being frugal, if I’m not, then it won’t work. I also tend to see being a frugal shopper as a challenge and I enjoy the challenge, maybe even a little more than I should.

  4. When people talk about retiring early, I tell them to get to work and become productive members of society.

  5. Minimum Wage,

    A strange comment to leave on a blog dedicated to retiring early. Why can’t you retire early and still contribute to society? I would argue retirees can provide more to society as a whole than a worker person ever could. After all what does a working person contribute other than tax dollars in some cases?


  6. It seems that Tim’s point is this: When all of your fellow countrymen are as productive as they can be for as long as they can be this translates into greater national productivity which, in theory, means the relative quality of life for your countrymen also increases. Longer term, the most product countries per capita are often the wealthiest. While there is some truth to this, it is a narrowly economic point of view. It is also true that a worker may not contribute to the social and cultural fabric of a country while they are being economically productive as a member of society.

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