Pension stuff, how's it all looking ? HAve you prepared ?

[Yorick]

Some have seen our apartment and it is stunning.
When we're older we're gonna get a carer in and offset part of the salary with the rent.
We also have 2 bedrooms on ground floor so we can move down here to save climbing stairs.

[weeksy]

Without getting too deep here, it sounds like you're going to have lots of money 'left' .... what's the logic behind that ?

I'm kinda hoping by the time i drop dead, my lad is all sorted with a house, life and job and leaving £3.24 to him will be perfect for me. Mrs Weeksy is of the logic of "you'll need that money for when you're in a care home"
my thoughts are "if i'm in a care home and shitting the bed, i'm way beyond giving a fuck whether they take 10 mins or 20 mins to wipe my arse"

I’m the opposite, I want to leave my kids enough that they never have to have this type of conversation.

But you must be hoping that by the time you cark it, they'll be 45-50 and should be pretty sorted by then ?

[Count Steer]

There's an old chestnut that says nobodies last words were ever 'I wished I'd spent more time in the office'.

I suppose you could turn that round into a retirement plan and address all those things you might wish you'd done more of. ie do them while you have the money or plan to do them when you have the time.

[weeksy]

There's an old chestnut that says nobodies last words were ever 'I wished I'd spent more time in the office'.

I suppose you could turn that round into a retirement plan and address all those things you might wish you'd done more of. ie do them while you have the money or plan to do them when you have the time.

That's kinda where i am with the boy and DH racing... it's a great big black-hole, sucking the time, money and life from our existence... but we LOVE it and in 20 years time when i'm 70, i'll have these days to think "yeah that was ACE".... or i can have an extra £ or more and sit thinking "yeah that'll buy me another beer at the local" lol. I could stick the money in the pension and the boy could sit at home playing x-box... OR.... we could be DH racers living the dream.
As you can gather, that's what i've chosen.

[Le_Fromage_Grande]

I'm hoping I die before needing to go in a care home, that really isn't how I want to live.

[Count Steer]

I'm hoping I die before needing to go in a care home, that really isn't how I want to live.

And I'm hoping to be gunned down by a jealous husband on being caught in bed with his delumptious 25 year old wife...but things don't always go according to plan....

[weeksy]

I'm hoping I die before needing to go in a care home, that really isn't how I want to live.

And I'm hoping to be gunned down by a jealous husband on being caught in bed with his delumptious 25 year old wife...but things don't always go according to plan....

yeah but you can help plans along.... how's the barmaids looking in the Hurtwood ?

[Count Steer]

I'm hoping I die before needing to go in a care home, that really isn't how I want to live.

And I'm hoping to be gunned down by a jealous husband on being caught in bed with his delumptious 25 year old wife...but things don't always go according to plan....

yeah but you can help plans along.... how's the barmaids looking in the Hurtwood ?

(Being gunned down by the missus wouldn't be the same!)

[Noggin]

I'm hoping I die before needing to go in a care home, that really isn't how I want to live.

Having watched my grandmother spend her last three ish years fading away, I 100% agree. And I would 100% help myself on the way - if unable to, I have a deal with a mate. Younger than me but if she isn't around, I'll make a deal with another mate!! Abso-fucking-lutely no way am I living in a 'care' home, ever!!

[Dodgy69]

Since we retired, our expenditure each year has been about £25k.
Biggest cost is the private health care about £3,000 a year.
We get about £10k income from apartment and draw the rest from savings.
Spent about £50k doing the villa up, but we're seeing the pension pots rise nicely each year.

I get state pension in 2 years so dragging about £15k out of my personal pensions tax free each year while I can. Adding that to our ISAs.

Without getting too deep here, it sounds like you're going to have lots of money 'left' .... what's the logic behind that ?

That's why I want to buy a SM bike.
Also we just worked out that from now on, we have £10k a year for 'treats'.
Mrs Y is going to India next week for a 2 weeks yoga retreat.

My mate and his girlfriend are in India, 4 month's this time. She's just done a yoga retreat and loved it. He's hired an enfield and goes fishing and hooning about. Very cheap to hire.

[Taipan]

My wife has decided to go part-time at her job and wants me to cut my hours, probably to a 4 day week. Her cut in hours is because she will have to help more with her Mum who has dementia and she knows as her Mum declines, she'll be needed to help out more.

Her wish for me to cut my hours is so we can get more time together and make a point of doing something other than caring for her Mum. I'm sort of coming around to it, but I actually really like what I do and enjoy being at work. Plus, apart from the obvious less pension contributions from myself and my employer, I'm not sure what the other implications of reduced hours will be, if any?

[gremlin]

Her wish for me to cut my hours is so we can get more time together...

Nah. She's seen your Sketchers and knows that it's downhill for you from now on in.

[Count Steer]

Her wish for me to cut my hours is so we can get more time together...

Nah. She's seen your Sketchers and knows that it's downhill for you from now on in.

There's no 't' in 'Skechers'.

[gremlin]

Her wish for me to cut my hours is so we can get more time together...

Nah. She's seen your Sketchers and knows that it's downhill for you from now on in.

There's no 't' in 'Skechers'.

Thank you.

See, being under the age of 70, I try to avoid the poxy things.

They are the shoe equivalent of a NIssan Note: nothing wrong with them per se, they just only seem to be owned by the 70+ grey brigade.

[Taipan]

Nah. She's seen your Sketchers and knows that it's downhill for you from now on in.

There's no 't' in 'Skechers'.

Thank you.

See, being under the age of 70, I try to avoid the poxy things.

They are the shoe equivalent of a NIssan Note: nothing wrong with them per se, they just only seem to be owned by the 70+ grey brigade.

If its good enough for the SDogg, its good enough for me!

[gremlin]

There's no 't' in 'Skechers'.

Thank you.

See, being under the age of 70, I try to avoid the poxy things.

They are the shoe equivalent of a NIssan Note: nothing wrong with them per se, they just only seem to be owned by the 70+ grey brigade.

If its good enough for the SDogg, its good enough for me!

Just when you thought it couldn't get any more tragic....slip-on Skechers.

[Taipan]

Thank you.

See, being under the age of 70, I try to avoid the poxy things.

They are the shoe equivalent of a NIssan Note: nothing wrong with them per se, they just only seem to be owned by the 70+ grey brigade.

If its good enough for the SDogg, its good enough for me!

Just when you thought it couldn't get any more tragic....slip-on Skechers.

I'd look even more tragic in AMQs! Haven't you got a few musculoskeletal problems? Join us. You'll come for the arch support and stay for the machine wash ability!

[Count Steer]

There's no 't' in 'Skechers'.

Thank you.

See, being under the age of 70, I try to avoid the poxy things.

They are the shoe equivalent of a NIssan Note: nothing wrong with them per se, they just only seem to be owned by the 70+ grey brigade.

If its good enough for the SDogg, its good enough for me!

Having said there's no 't' in Skechers, you post a picture of a 'T' in Skechers.

[Yorick]

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[Taipan]