Moving out of my comfort zone....

by ShayB

Posted: 16 years ago 24 replies

OFF TOPIC

I was going to post this in the main forum....maybe I will later, I dunno.

Anyway, Hubby and I have been talking about his retirement next year (in December). I have been very comfortable and excited about it.

Yesterday we were talking more about it, and he wants to move the date up to June of next year. (Long story, many valid reasons.)

December makes me happy! June makes me nervous. :confused: I had it all set in my head that December was the date and we had 12 months. 6 months makes me really, really nervous.

Part of me says, "Heck, yeah! Go for it!!"

Part of me says, "Play it safe!"

I am not sure which part to listen to right now....LOL

Financially, we could afford it. We should be debt-free by then and making enough to pay the bills, plus $$$$ for fun.

Aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaargh! I don't know what to do!

Advice? Anyone?

valerieSONORA 16 years ago

You know how fast time flies by. 6 mos would make me nervous too. I would probably want to play it safe and wait 12 mos. But you all know the situation better and if you can handle it in 6 mos or not.
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KimW 16 years ago

I'm not sure what your situation is or why it's making you uncomfortable, but I say go for it and enjoy as much time as you can. You never know if either of you will still be here tomorrow!
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- ShayB 16 years ago
  
  Aaaaaaaaaaaaack! 2 posts and 2 different opinions!
  
  You guys are not helping....LOL
  
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KimW

16 years ago

Yeah, but I'm old and wise! (At least I like to think so)
Actually, I'm sick and since I got sick my wife and I cherish every day we have together, and that was the advice I was trying to pass on to you.

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ShayB

16 years ago

Originally Posted by KimW

Yeah, but I'm old and wise! (At least I like to think so)
Actually, I'm sick and since I got sick my wife and I cherich every day we have together, and that was the advice I was trying to pass on to you.

Valid point, since his health is one of the issues.

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myob 16 years ago

OK, I'll break the tie. Go for it in June if you think you can afford it. My parents wanted to retire and travel the world. First they waited until all the kids left the house. Then they postponed it until the house was paid off. They postponed it again until all us kids (8) graduated from college. They never did live their dream of traveling the world - time finally caught up with them and their dream went unfulfilled. Live the life of your dreams now, its seems you worked hard enough to deserve it.
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valerieSONORA

16 years ago

lol MY opinion is ALWAYS the BEST!

But I really don't know the circumstances so I can't say anything more. If something is wrong with his health where he can't work or it's very painful then that's a different story. But with risk there is nervousness that comes with it.

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myob

16 years ago

Originally Posted by annoyedgirl

The ayes have it. Have Hubby retire in June, and put him to work in your business!

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ShayB 16 years ago

LOL

Looks like Hubby is retiring in June....:rolleyes:

Thanks, Guys. I am still nervous, but I feel better.
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Sam I Am

Banned 16 years ago

[DELETED]

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ShayB

16 years ago

Originally Posted by Sam I Am

Shay, how did you find the success online that you have found? How have you made the money you have made online? It didn't happen by itself and neither will being able to retire six months earlier.

You got where you are today by doing something, right? Doing nothing gets you nowhere. So why change now?

I have times when everything I think about comes with a truckload of doubts and a bundle of reasons why I shouldn't do it. I can 'think' my way out of doing it.

When that happens, I just stop. I'll sleep on it and when I wake up in the morning I almost always have a clear vision of exactly what to do.

Also, take the successful things you are doing now and consider magnifying it. What's working for you? Can you expand that and make even more money? Think multiple streams of income.

And diversify. That's important. If one sector tanks, the others, which are completely unrelated to the first, will do just fine. Don't put all your eggs in one basket.

Breathe. It'll be all right. Enjoy his retirement.

And to make the transition easier for both of you, maybe you can put him to work with his own offline vending route or something, just to get him out of the house once in awhile because if he's been going to a job all these years, you have both developed your own routine. Once he retires he'll be 'under foot' and could mess up your routine.

Just a thought, hope it helps.

It helps a lot. Thank you.

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valerieSONORA 16 years ago

Hey Shay, put him to work for you Double your income
I love how HeyShay rhymes

Don't forget to send out the invitations in May!!
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- Christie Love 16 years ago
  
  Originally Posted by annoyedgirl
  
  Hey Shay, put him to work for you Double your income
  I love how HeyShay rhymes
  
  Don't forget to send out the invitations in May!!
  
  That's right Shay. Tell him he can quit in June on the account that he helps you with your business. Maybe he can help you with the research if he's not good at writing. You could always give him your old computer to use.
  
  I know you may feel that when he quits, you will be the sole breadwinner of the household, but involving him with the home biz might be a win-win for the both of you. Besides... retiring might sound nice at first, but it will get boring sooner than he may think.
  
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  valerieSONORA 16 years ago
  
  Originally Posted by Christie Love
  
  Besides... retiring might sound nice at first, but it will get boring sooner than he may think.
  
  He won't get bored with Shay cracking that whip lol. He might even want to go BACK to work.
  
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  ShayB 16 years ago
  
  Originally Posted by annoyedgirl
  
  He won't get bored with Shay cracking that whip lol.
  
  How did you know that? Have you gotten ahold of our videos?
  
  (Kidding! I'm kidding!)
  
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- Kay King 16 years ago
  
  I don't know what to do!
  
  he wants to move the date up to June of next year
  
  Simple solution - he's the one who worked for years and its his retirement so let him do it when he feels the time is right.
  
  And be happy he's able to retire and proud you've helped make it possible.
  
  kay
  
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HeySal 16 years ago

I agree with Kay. It is his decision - feel wonderful that you have someone in your life who is so caring that he would share your considerations in his decision. A lot of women could be very envious of a woman in your shoes, honey. I'd love to have a partner like that in my life.

And speaking as a creature of impulse -- this is planet earth - any security is just an illusion, and you can build any illusion you care to - why not build it on freedom?
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derekwong28 16 years ago

Shay, nobody but yourself can make this decision for you. If you have young children, you would have to be extra careful about it. My hunch is that the economy would be at its worse 6-9 months from now. So if you are still doing well by then, things can only go up from there.

I would say that you must have a business plan in place. An important part of your business plan would be a "fall back position". You should have contingency plans in place should you experience a sudden drop in income. My view is that if you are doing full-time in IM, you must not live month to month on your income. You must make more than you need to save up for emergencies.

Derek
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- ShayB 16 years ago
  
  Thank you for all of the replies. It really gave me some points to think about.
  
  We have renegotiated his retirement date.
  
  There are 3 requirements for his retirement:
  
  We have to be debt-free - house, car, everything.
  
  We have to have a minumum of 6 months' worth of expenses (all expenses, not bare-minimum-eating-beanie-weenies expenses) in savings.
  
  We have to be seeing our (my) monthly income increase for at least 3 months prior.
  
  If all of these conditions are met, he can hand in his retirement notice the next day - even before June.
  
  #1 and #3 shouldn't be a problem. #2 is going to be the real stickler for me. I do not want to be sweating it if I have a bad month, KWIM?
  
  Thanks, everyone.
  
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valerieSONORA 16 years ago

#3-smart. Exactly you never know when a "surprise" is gonna happen. Everyone should have some emergency savings set aside for when something happens. Like an unexpected income drop, a medical situation insurance won't cover, you car dies, your house needs major repair, etc. That way you're safe and don't have to panic.

Now I should listen to my own advice, I haven't been good at "saving" But I've had a lot of unexpected expenses like fixing my car and moving, paying the sec. deposit and I lost my old sec. deposit and buying gifts.
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KimW 16 years ago

Trust me, my generation,and I'm going to assume Shay's husband may be close to my generation, was brought up to work towards retirement. It was a goal drilled into us from birth.
I was looking ahead to the time I could retire,though I had planned to do it as Shay talks about, being in a good financial situation.
Then I was unexpectedly forced into retirement.
For years I enjoyed going to work, because I enjoyed what I did.(I was in IT).
Then abruptly it ended. Now I can't get up every day and go to work. As I have said before, 3 days out of every week I am useless.
What is this leading to?
Someone posted that maybe Shay's husband will get bored when he retires. If he doesn't have a hobby or something he loves, that's a very good possibility.
Good luck!
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- ShayB 16 years ago
  
  Originally Posted by KimW
  
  Trust me, my generation,and I'm going to assume Shay's husband may be close to my generation, was brought up to work towards retirement.
  
  Hubby is actually younger than I am.
  
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KimW 16 years ago

lol, touche~
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- ShayB 16 years ago
  
  Originally Posted by KimW
  
  lol, touche~
  
  Touche....rhymes with "Shay"
  
  Hubby isn't a lot younger than I am, but he does remind me of his youth every so often....:rolleyes:
  
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KimW 16 years ago

Of course that's when you remind him how you are wiser and more experienced ( not older) !
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