Retire at 60 as fed

[Anonymous]

Anonymous wrote:Consider getting a Saatva mattress. I had the worst back pain after starting a 70 hour a week desk job. That mattress saved my back.

Weirdest response to a financial retirement question

[Anonymous]

OP here.
Thanks for the suggestions!
A standing desk is in the works.

As far as my current budget goes, practically all of my take home goes to raising the kids. The biggest thing by far is mortgage payment on home that meets our needs, in a neighborhood that is wonderful for the kids, in a school district where they are both in academic and world language programs not available many other places. Property taxes are getting high. Probably won’t want to stick around here once they are off to college.
Then: food. Teenagers and inflation. Not much I can do there except do my best to plan and shop well. We almost never eat out.
Activities: not too bad but they are in sports year round.
Then their clothes and other incidental items they need for school.
My point is that the amount I spend on myself and my needs and wants is tiny. So it’s hard to
get a handle on what kind of budget I will actually need for myself, once the kids are launched and my mortgage isn’t so huge or nonexistent. Obviously if things somehow go wrong or something really unexpected happens, I will not retire at 60 or 62.
Oh and their dad isn’t much physically present, but he does provide for them financially.

[Anonymous]

Anonymous wrote:OP here.
Thanks for the suggestions!
A standing desk is in the works.

As far as my current budget goes, practically all of my take home goes to raising the kids. The biggest thing by far is mortgage payment on home that meets our needs, in a neighborhood that is wonderful for the kids, in a school district where they are both in academic and world language programs not available many other places. Property taxes are getting high. Probably won’t want to stick around here once they are off to college.
Then: food. Teenagers and inflation. Not much I can do there except do my best to plan and shop well. We almost never eat out.
Activities: not too bad but they are in sports year round.
Then their clothes and other incidental items they need for school.
My point is that the amount I spend on myself and my needs and wants is tiny. So it’s hard to
get a handle on what kind of budget I will actually need for myself, once the kids are launched and my mortgage isn’t so huge or nonexistent. Obviously if things somehow go wrong or something really unexpected happens, I will not retire at 60 or 62.
Oh and their dad isn’t much physically present, but he does provide for them financially.

I mean, if you have no idea what your budget will be in retirement, not sure why you think anyone else will be able to help you with that. If your house will be paid off, and you won't be spending much otherwise, then sure, you can retire at 60.

[Anonymous]

I’m surprised it hasn’t been asked but are you remote at all? I’m 51 and I feel like remote has really helped with the desk related aches and pains. On my one day in the office I alternate between sitting and the standing desk but I often don’t feel great.

At home, I move around with my laptop to different places, sit in a comfy recliner for parts of the day, will sit on the couch for a call or move to the deck. I AM working but I don’t necessarily need to do it at a desk in a typical desk chair. I can lie on the floor and stretch midday. It helps a lot.