Reply to Mother has decided to “retire” at 58

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]OP your mother didn’t retire. She just stopped working. [/quote]

Define "retired".  If she waited 4 more years and stopped working at 62 would that officially count as being retired or would she have to work until she was 67 to officially retire?

As far as I'm concerned you are officially retired when you stop working and begin drawing on your retirement accounts.

In contrast, I quit working at the age of 34 to be a SAHM.  I have not touched the 401K money nor the pension that I earned before I quit.  I am also not collecting any social security or disability income.  I am 53 now and am considering returning to work at an age when lots of people, like Op's mom, are starting to think about retirement.

I would mainly be using my paycheck to pay for a housekeeper and yard work.  The rest would go into savings to use later once I officially am retired.[/quote]

???[/quote]

Not sure what the question is.  In my view, Op's mom could certainly be considered retired.  She's worked hard, raised two kids and if she wants to retire a few years early who could blame her.[/quote]

i think the concern is does OP's mom have sufficient funds to retire as OP does not appear to be in a position to cover her mom's expenses.  If the mom is no longer working and is drawing on whatever money she has in her accounts, then she is "retired."  Your situation doesn't seem germane - while you were a SAHM, you must've still been married or had some other means of support.  OP's mom just doesn't have another means of support so not working = retired.[/quote]

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