If you started to save for your retirement before you had kids and if you started to save for college when your kids were little and you continue to put money away each month.....it will add up, even if you don't make big $$$$. As far as having teens in your 50's goes, I can not imagine having an empty nest right now. I love having our teens at home - they keep us on our toes and we genuinely enjoy spending time with them. They are awesome kids, easy, minimal stress. I know that we lucked out and that if one or both of them had a different personality that things could be very different for us. Even so, I think that we are still young enough to have the stamina to deal with their issues and old enough to have the patience/wisdom to guide them through life. Mid/late 30's, as it turns out, was a good time for us to have kids. I don't think we, personally, would have enjoyed parenting them as much if we had had them much younger than we did. But that's us. |
| ^I'm a NP, not the previous poster. Just wanted to add my 2 cents. |
I had my children at 36 and 39. One of my sisters loved gloating about how she was so much further along on her parenting journey than I was. She couldn't wait for her children to finish college and she would be "done". Of course life never quite works out the way we plan does it? Now her 30 year old son is still living in the basement and has a job at Target. Not that there is anything wrong with that, but I can't help but remember all the nasty comments she used to throw at me. |
I would love if my kids lived at home forever. But the working at target part, not so much. |
Travelling at 55 is much more luxurious. |
I do everything you do, exceptional work very part time, as in 10 hours a week. I'm around a lot. Btw, it's not retirement if you consult for a money. |
OMG you said you are going to retire to consult FULL TIME. What kind of retirement is working full time? |
My brother in law made a nasty comment to me about not wanting to be an "old" parent like me at his wedding to my sister, who is younger by quite a bit. Well, they ended up just having their first child a whole two years earlier in age than me. Meet karma. |
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I'm 51 (almost 52!) and my husband is 46, our kids are 14 and 9. I don't know any differently so have nothing to compare, I don't feel elderly, I loved my childless 20s and early 30s, and things are great. I love the life the kids and my husband have and things have worked out. I'll be 63 when the youngest graduates, which is the same age my Mom was when my younger brother graduated - 8 kids over a span of 14 years (her not me). She had no issue either raising children in her 50s.
People are deeply invested in their choices being right especially when it comes to the appropriate age to have children. I guess now that I'm an old fart, I just don't care what you think. |
Way to rub it in. |
+1 You will learn. |
I am an educated professional. In fact, I now own my own business. I was not exhausted in their younger years - that was a breeze But, the teens years are very stressful-emotionally draining. That's what I meant by exhausting. I would NOT want to deal with teen angst and menopause at the same time. A murder would happen! |
| Teens are exhausting and worrying no matter how old or young you are. That's a separate issue! |
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Why have kids if you are counting down the days when they leave? Sounds awful to be an empty-nester at 45, especially if you don't have a rewarding career.
I wasn't ready to have kids in my 20s, and I'm in my 40s and not ready for them to be gone!!! We had them in the middle - early to mid 30s, but were able to build careers as well. |
| Some people just like to throw stones. OP didn't ask what you thought about her age, just advice for the future for those who are there. I am not there yet, but will be. I am 46 with a 4 & 7 year old. My DH is 48 year olds. |