My spouse is retired...
21 years ago
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- 21 years ago
- 21 years ago
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Differences with spouse on where to live following retirement
Comments (11)I think you might try figuring out what you want your retirement to look like. Do you want to live near the beach, in a big city, in the country, mountains, in an over 55 community? Do you want to play golf a few times a week, or do you prefer visiting museums, or going on hikes? Is living near family a must or are you happy to fly or drive to visit a few times a year? Are you living in a high cost area and can you afford it in retirement or would moving to a low cost state ease you financially? I think writing down what is important to you can help clarify things.....cost of living, climate, access to good healthcare, activities, etc. I think the only way I would follow my kids would be if they or grand kids had a disability or something and they needed extra help on an ongoing basis. Would you want to live in an area you dislike just to be near the kids or family? And, as stated, job transfers happen...are you going to follow them every time?.....moving is expensive, finding new doctors, etc... We have the opposite dilemma. We're not retired yet but will be in a few years( I will go before DH). It looks pretty sure that two of our three kids will stay in this area..they are happy in pretty secure jobs. Do we move AWAY from them to a lower cost area, better climate, etc? They get a little upset when we talk about leaving, but they are busy and we don't see them every week anyway. Plus, as we age, I don't want to burden them with having to take care of us when they will have their own families to worry about. It's a lot to consider. Maybe you and your husband should pick a place where there isn't family that you both like and travel to visit each side. That's a fair compromise since it sounds like you won't be happy living near your step kids and he won't be happy living near your family....See MoreRetirement: what lifestyle changes?
Comments (9)As you can see from the posts above, there are specific issues to address when considering retirement. #1 is the physical: what will your health allow you to do, and for how long? Then what? Do you have a plan for coping with the inevitable aging? Do you have a backup plan for that plan? What happens if you can't drive for a short period, say for convalescence? #2 is the financial: have you done a budget? Are you free of excess debt? Have you reserved for large expenses: home maintenance such as a new roof or furnace, or the inevitable new/used car? How will you handle inflation if it goes above 5%? How long are you estimating your money will need to last (most people grossly underestimate how long they actually will live)? How much do you need to pay for healthcare - Medicare covers less than 65% overall of total elderly medical expenses, and nothing for vision, dental, hearing, or long term care. What do you spend most of your money on now? What do you propose to spend it on after retiring? We travel just around the West Coast, so yes, our costs have gone up. But we will not be able to do this forever, so now is our time to 'get up and go'. #3 is social/emotional: do you make friends easily? Do you have hobbies now or have you always focused on work and the co-workers around? Do you like spending time alone or are you willing to go out and make new friends? There is no right or wrong answer to these questions; but they can indicate what you may want to do with your time. ********** We retired at 55. All our friends/family are still working except for a few very wealthy friends and some who are much older and retired at the usual 65 age. So our weekends are still socially concentrated. We don't have a lot of friends, but that is our preference. We both have many hobbies and spend considerable time (and $$) every day on them. I don't do volunteer work, for example. I tried it before my spouse retired but didn't really enjoy it. Right now we have very full lives and I don't want the weekly commitment. But I'm willing to try it again at some future date, perhaps when our lives slow down a bit more. Retirement comes in phases because your health changes. Flexibility of mind is perhaps the biggest key to happiness. We are financially stable although certainly not rich (I wish, LOL), and able to afford living in a very expensive but beautiful area. Because my spouse did the "catch-up contributions" to his 401k for the last few years before retiring, we actually were living on a bit less than what our post-retirement income is. Although unintended, I now recommend this to people because it is really the best way to figure out if you can financially manage a retirement. In a three or four-year period you are going to experience 'bumps' that will show if you can manage on a specific amount. Once you are retired, there are no more performance bonuses coming in!...See Morelost my spouse of 25 years 3 days ago
Comments (8)Dear Ava Mapp, your story is unbearable. I understand what you are feeling and a lot of it is just plain anger. This is simply not fair. We depend on these professionals to make the right judgement call. Afterwards they tell you that you have to "be your own advocate." Don't listen to that. I'd say that the only way you might be very sure that you are getting the best treatment is if you have a family member who is a doctor or nurse and checks up and asks questions every step of the way. Even then, they tell you the medicine is an art and mistakes can be made. So I've expressed my own anger here on your behalf and which I have experienced myself. And in case anyone objects that the medical profession is a healing one -- yes, it can be. But it fails us many many times. I am grateful that there is so much good care but there are too many instances like this. It is true, you are now on a roller coaster. Your husband's spirit is still nearby. I believe that. You are a loving wife and lost a wonderful husband and you need all the sympathy and help that surrounds you now and still it is just a bit of comfort. Please believe that he hears you and God hears you and will take care of him now. You are full of tears and that's how it will be for a long time. I don't know when it will end; for me, it's been only four months and I take it a day at a time. God bless your husband....See MoreDeath of my spouse age 46
Comments (9)I am so very sorry for your loss. (((Hugs))) I was widowed 6 years ago; my husband, 48, died after a very long and brutal battle with Leukemia (and suffered severe complications after a bone marrow transplant). He'd had late stage Testicular cancer four years before, and after chemo, everything went well -- we thought -- until he got Leukemia from that chemo, which is rare. Our daughter was 15 when he passed. We held his hands until he took his last breath, five hours after life support was turned off. It was still a horrific shock, I believed until the very end that we'd get a miracle. There was no preparing for or discussing death. It wasn't an option. I don't believe in the concept of pre-grieving, nothing can prepare for them actually being gone forever. There were no soft-focus Lifetime movie moments with heartfelt goodbyes. No, there was a man wasting away, in unbelievable pain, and us fighting every day for his life. I focused all my energy on him surviving, not dying. So hearing the nurse say it was over ... I felt like I'd been pushed out of a plane with no parachute. I just remember screaming, and not wanting to let go of him. I couldn't face that once I left his side, I'd never see him again. We were married 21 years, together 23, and met when I was just 17 years old. He was my life, and losing him sent me into a hellish nightmare I didn't know how to survive. But I did, somehow, it just takes time and learning to accept the unacceptable. Early on, I found a wonderful support board specifically for widowed people, and talking to others helped immensely. Grief is hard work. I miss him every second of every day, but I can smile at memories now, rather than go to my knees sobbing with searing anguish, as I did in the first year. Certain days still knock me down (anniversaries, etc), but not as hard as they did. It will always hurt in some capacity, grief will be a constant companion, but I've learned to co-exist more peacefully with it, and it's quieter now .... not ready at any moment to wipe me out. It does become easier to cope with over time, as life evolves. It is so painful watching our kids grieve and suffer this loss. My daughter and I clung together like two people in a lifeboat on the stormy sea. I tried to find a healthy balance of staying steady for her (even on days I could barely muster the energy to shower or eat), but letting her see me grieve, too. And encouraging her to open up, and share her pain. We tried counseling in the early months. I did realize later that in those early months, she held her grief in, until she saw that I was better able to cope with the worst of mine. It seems to be common, after hearing from other widowed parents. Our precious kids trying to be strong for us. She is now in college, Dean's List, volunteers, and I'm so proud. I know her dad is, too. They were extremely close, she was always his little shadow. She is so much like him! It's bittersweet, to see his looks and mannerisms in her. It hurts, but makes me smile, too. I won't write a book here of my past six years, this is long enough .... I just want to send my support and understanding to you and your children. Please be gentle with yourself. <3...See More- 18 years ago
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