I’ll take a late retirement over none at all…


Ack! I missed the window on retiring early. I’m one of those baby boomers who is bumping up against reality. The dream of retiring early, or even retiring on time doesn’t seem likely. Retiring later is a necessity.  


Happy beach goers
How I pictured my early retirement


MetLife surveyed baby boomers in this 2013 study.The survey showed that “…fewer than one in 10 currently working oldest Boomers think they will need to retire later than planned and 13% currently think they’ll be able to retire early.

Well, that’s not me. I KNOW I will retire later, but the question is HOW LATE?


Seven percent of us


I’m not the only one. According to that MetLife study:

“Just 39% of working oldest Boomers believes they will be able to retire when they plan to; 13% believe they will retire earlier and only 7% think they will need to retire later than planned.”


I’m one of the 7%! Hmmm…maybe I should call this blog “The Seven-Percent Solution.” 

Nope. Sherlock Holmes’ seven-percent solution is not the solution I am looking for!


I’m now in my late 50s and wonder what it will take to live comfortably in my later years. Sure, I have some savings, but is it enough? NO. Well, not yet. And that’s what I need to figure out in the next few years.

  • What do I need?
  • How much can I save?
  • What expenses will I have?
  • Will I want to work at all after I retire from a full-time job?
  • What else should I do to prepare for retirement while I have the time?

I think I can do it. Not only am I planning to pay off my debt, I am planning to have the amount of money I need to live comfortably when I retire. Plus, retirement is not just about money, but what to do after I stop working a full-time job.


So many of us have ideas on what retirement looks like. I imagine traveling or puttering in a garden. I LOVE to putter–you know, a cup of coffee handy and doing small chores or activities around the house. I call it puttering and I love to do this on a day off. My retirement will include plenty of puttering. 


What is it going to take to retire late? 

It’s going to take me getting serious about my retirement planning. 

It’s going to take me prioritizing what I spend my money on.

It’s going to take me dealing with the money I earn now in a smarter manner.

And yes, it’s going to take me saving up more money!



Retirement and Saving street sign


Get ready for me to share where I stand now financially, what I want to do when I retire, and how I plan to meet my retirement goals. It may not be pretty, but it is a PLAN. One that I did not have until recently. 


I am no longer saving for an EARLY retirement. I am now saving for a LATE retirement.


This blog is my journey to financial health and happiness, and if it helps me retire before I turn 90, well then, whoo hoo!


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