Retirement is no longer a simple end point for most people. These 11 stories capture some of the varied forms retirement takes today:
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In the last few years, she witnessed friends her age pass away and co-workers get cancer. Her husband, who retired five years ago from the Orange County Fire Authority, would ask her every morning: “Is today the day you’re going to retire?” Marks looked at her insurance plans as well as her internet and TV plans to make sure they were getting the best rates and paying only for what they really needed. She saved about $300 a month by just doing that, she said.“My father passed away early this year, and I just hope I’m able to be one of the ones in his family where he was able to be retired longer than he worked,” Marks said. “I don’t think there’s probably too many in that group.
In her post-retirement plans, her daughter, who is earning her master’s degree at UCLA, plays a large role. He retired right on schedule, at age 64, in February 2018. “I was ready,” he said. “My body and my mind told me it was time.” He doesn’t have any money in the stock market. But as a member of SEIU Local 721, he had another savings account with a 4% match from the county that he contributed to over the years, and he cashed it out to invest the money in his house, which he purchased in Ontario in 2003.
Then Williams, who lives in Grand Prairie, Texas, lost his job in a dispute with his boss. Suddenly, his lack of tech savvy was preventing him from saving for a better retirement.Recession fears raise risks for California’s public pension funds. “Retirement’s not going to be much, just what I need to live comfortably, my kind of comfortable,” Williams said. “Nice and easy, coffee on the porch in the morning, groceries in the house and gas in my truck. I’ll be alright with that if I have to be.”Larry Smith’s financial planner knows him as the kind of cautious client who likes to double- and triple-check everything.
“When you come to work in the morning, you think you’re going to do one thing, and it turns out to be something you never saw coming,” he said. “I call it the hamster wheel, and I wanted to jump off.”
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