Recent Posts

91

Random / Re: At what age did you, or do you plan to retire?

« Last post by PonoBill on April 03, 2024, 07:46:18 PM »

I'm a bit surprised anyone remembers that I was working on a book called the retirement trap. I barely did. I never finished it, it's got a lot of scratch pad stuff in it that I never developed or edited, and it's never been edited for style, brevity, accuracy or even decent grammar and spelling. But here you go: this link should work: https://www.ponostyle.com/wp-content/uploads/2024/04/The-Retirement-Trap-1663863538.pdf

92

Travel, Trips, Destinations / Re: The state of SUP surfing?

« Last post by eastbound on April 03, 2024, 06:21:57 AM »

ive noted that the number of surf suppers i see is stable, where numbers of surfers are continually growing -- lineups tighter and tighter, and sometimes gotta just mix with em bc they are everywhere (at my Brooklyn and RI breaks) -- makes it important to be on one's game -- supper makes an honest mistake, apology wont necessarily suffice

good is that the mass market sup surge seems to have reversed -- so there are fewer beginners on sups in lineups where they shouldnt be

there are hordes of beginners on logs, of course........but life's not fair

93

Travel, Trips, Destinations / Re: I needed that! (El Salvador)

« Last post by ninja tuna on April 03, 2024, 03:10:30 AM »

Good to see you back in game SA.  I guess you are really enjoying that feeling of being back on the board and out in the water.

94

Random / Re: At what age did you, or do you plan to retire?

« Last post by eastbound on April 02, 2024, 12:20:43 PM »

still running my business and trading lots -- still surfing and skiing as much as possible -- so far, no reason to retire, tho i will eventually -- gotta wake up on the other side at some point -- i am 65yo and have not been unemployed since i was in college -- saver, not a spender, ive saved plenty for me and mine

lotta factors, but hate spending savings, and, if i retire, there will be no situation remotely as nice as ive now -- but im not dogmatic -- a partner, who was the last guy id think would be happy retiring, told me he aint looked back -- sadly, tho the guy is a fitness fanatic, he just had a stent dropped and and a carotid cleanout -- yikes

95

Random / Re: At what age did you, or do you plan to retire?

« Last post by B-Walnut on April 02, 2024, 09:25:56 AM »

Jokingly, I feel like I retired at 18 but have occasionally worked the odd job for a little extra cash from time to time.

Seriously, I’m 39 and would argue we’re semi retired right now. I’m in the water 150 days a year and could easily work more, play less, to retire sooner, but I like the balance of a little of both and intend to build for as long as I can.

96

Random / Re: At what age did you, or do you plan to retire?

« Last post by Bean on April 02, 2024, 07:40:45 AM »

I sat with my financial guy just a couple of weeks ago and he asked me this very question.  At age 62, I really don't have a good answer, I like what I do and the people are great.  I suppose there is a certain insecurity and even possibly a fear of missing out in leaving the routine.  How silly is that... 

 

97

Random / Re: At what age did you, or do you plan to retire?

« Last post by surfafrica on April 01, 2024, 05:01:16 PM »

I retired the month I turned 48. It's been 2 years--I just turned 50. My decision came right as the pandemic was winding down. I had the opportunity to sell my business (after 21 years of hard work) and I realized if I did, and kept my spending in check, I could retire without sacrificing my standard of living. I've been a very disciplined investor since I was 19--nothing exciting, just slow and steady, so that helped too.

My late 30s & 40s were full of injuries and surgeries (15 total), and being so messed up for so long changed my perspective on how I wanted to spend my 50s and beyond. My body is pretty compromised, but I've figured out my boundaries and have accepted them (hard to do). I have to put time in daily for body maintenance--I've become pretty obsessed with it. Zone 2 cardio, strength training, saunas, cold plunges, focused eating, etc. It's helping me participate in some of the things I really enjoy. But it takes time. I don't think I could keep up with it all if I was working. 

So now, I spend my days working on my fitness, enjoying time with my teenage kids, and exploring any wormhole hobby that keeps my mind inspired. I'm rarely, if ever, bored and usually have some sort of "to do" list on the go. I feel privileged to be in this situation and am thankful for it everyday.

98

Random / Re: At what age did you, or do you plan to retire?

« Last post by sflinux on April 01, 2024, 04:40:51 PM »

I am interested in reading your book The Retirement Trap  too.
Best I could find is the table of contents:
https://web.archive.org/web/20210811175228/https://retirement.pressbooks.com/

99

Random / Re: Some days technology just fucks with you

« Last post by SlatchJim on April 01, 2024, 03:10:43 PM »

We went from Chromecast to Apple TV recently.  All the gremlins were slain in one fell swoop.  Only took me 7 years to pull the trigger...

100

Random / Re: At what age did you, or do you plan to retire?

« Last post by SlatchJim on April 01, 2024, 03:07:35 PM »

Bill,
My son has the investment bug and I was telling him about your book on retirement.  Sure enough, I clicked the link and got the "fail" screen.  Is there another way to that gem of wisdom.  We want to go over it together and compair what I've done vs his plan (probably not a ton of variation).  We're sharpening the blades of why we work, what we do, and how we choose to live now.  I really enjoyed your "Man-up and take charge" message for people worrying about retirement. 

(PS...I know we don't all frequent the Zone as much as the SUP heyday, so an answer whenever you get a chance is appreciated)