When Should You Consider Retirement: A Personal Perspective
Retirement is a complex concept, blending tradition, personal preference, and financial necessity. Many years ago, I thought my retirement would be at age 70, but life has a way of informing us in unexpected ways.
Unexpected Events and Realities
A Mini Stroke just before my 65th birthday forced me to reassess my plans. My vision was impacted, and I had to leave my position as a Federal Security Contractor for 4.5 months. Over four months, my vision gradually returned, allowing me to return to work as a Security Officer at a Military School.
While the initial stroke delayed my retirement plans, I am now committed to working until at least age 71 to become vested in the retirement program. I might continue working up to age 73, seeing it as a way to maintain some financial stability and purpose. For Social Security purposes, I will start receiving benefits at age 70.
The Illusion of Retirement
Considering the very concept of ‘retirement,’ I find it somewhat illogical. In professions like armed forces, police, and factory work, it's clear that beyond a certain age, one can no longer perform their duties due to physical and mental limitations. However, this doesn't necessarily mean one should completely stop working. Rather, it might be more fitting to transition to a less strenuous role that suits one's age.
Personal Experiences and Considerations
Other individuals have varying views on when they might retire. Some, like one individual, have no plans to retire and are financially unable to do so. Another plans to work until at least age 65 to finish a decade of preparatory work.
For many, the decision to retire depends on several factors, including personal health, financial stability, and the desire to continue working. Some, like one retiree, feel they should work until a certain mandatory retirement age, such as 65, to have some purpose. However, others, like one elder, are considering teaching until they die, reflecting on their years of experience and the potential joy of leaving a final lesson on life.
The Future of Retirement
The age at which one decides to retire is a deeply personal choice, reflecting a balance between financial need, personal desire, and the need for continued purpose. Some consider the benefits of social security, while others take into account hobbies and family dynamics. Whatever the age, it is essential to plan ahead and consider both the physical and emotional aspects of retirement.
In conclusion, the age at which you decide to retire is a multifaceted decision that should consider various factors. It is crucial to be flexible and adaptable, as life often brings new challenges and unexpected opportunities.