Roll Call for the Retirement Class of 2025!

Hoi Polloi
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Re: Roll Call for the Retirement Class of 2025!

Post by Hoi Polloi »

I suppose I technically should have been in the Class of 2024, but since my last pay stub was dated this Jan 3 of this year, I'll happily join the class of 2025 if granted admission ;) Will turn 60 in February, and my first W-2 wages recorded were in 1981, although I had been mowing lawns in the neighborhood for cash since age 12 or so.

2025 marks an even 30 years for me in medical practice. Our group was aquired by a large (read impersonal) health care system six years ago, which has gradually made work less enjoyable than private practice for a number of reasons, so I gave them the required six month notice last June.
Have always had a number of hobbies to keep busy, and now have an annual National Parks pass and ski pass and plan on getting my money's worth until I'm too old to hike and ski. Looking forward to be able to go to the gym whenever I want as well. My wife will continue to WFH drawing a small salary in the non-profit sector in a role that she still greatly enjoys.
We plan to travel to see our three adult children and their families who are now scattered around the U.S without having to worry about my work schedule interfering with travel anymore 8-)

The plan is for COBRA to cover health insurance for the next 12-18 months, after which we will explore ACA options. Also planning, as of now anyway, to delay Social Security until age 70 for me. I have been reading up on tax-efficient drawdown stategies, Roth conversions and the like, and the forum has been very helpful in that regard. There is still much to learn!

It is a bit surreal adding my name to the list. I've tremendously enjoyed reading this thread over the past many years, so thanks to Miriam2 for providing such cheerful inspiration by keeping it going! Here's to the next chapter for eveyone in the Class of 2025

:sharebeer
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Sandi_k
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Re: Roll Call for the Retirement Class of 2025!

Post by Sandi_k »

I told my boss today of my intent to retire on June 26th, 2025.

Eek!

:shock: :shock:
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Miriam2
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Re: Roll Call for the Retirement Class of 2025!

Post by Miriam2 »

fi_no_retire wrote: Sat Nov 02, 2024 8:27 am Counting down the days literally as I have it in a Google Sheet, retiring on 2/3/25 at age 56. Will be almost 27 years at a tech company. My original plan was to stay till 60 when I hit my 30th year milestone but work is not fun and fulfilling anymore.
Well for sure, time to punch out and move on into a more pleasurable life :D And now for those most wonderful words: "Welcome to the Retirement Roll Call!" You're in the Class of 2025!
fi_no_retire wrote:Thanks to this community who has helped me assess that I can retire comfortably, it gave me the nudge to do so.
Oh for sure, this forum has helped so many people for so many years have a better financial life. And we owe it to these two fellows right here -


Image

Jack Bogle and Taylor Larimore
Photo from 2016

fi_no_retire wrote:The world will be my oyster. I’ll travel without feeling tethered to my phone. Take classes, volunteer, exercise a lot more, maybe do a part time job that allows me to not bring work home, take hikes with my dog and truly just enjoy life.
Sounds like a wonderful retirement. We hope you enjoy every day of your retirement, don't forget to check in with the Bogleheads and let us know what you're up to :D
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Sandi_k
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Re: Roll Call for the Retirement Class of 2025!

Post by Sandi_k »

Sandi_k wrote: Sat Jul 06, 2024 12:01 pm
Miriam2 wrote: Fri Jul 05, 2024 6:55 pm It's time already!

:arrow: The Roll Call for the Retirement Class of 2025 is now open!

Are you planning to RETIRE in 2025?

Add your name to this Wonderful Bogleheads Retirement Roll Call, post your R-date and age, if you choose, and yes, tentative retirement plans and estimated dates are okay - we just reboot you when they change 8-)

What is being retired??

:sharebeer
Me, me, me, me, ME! I've been patiently waiting for this thread. ;)

Sandi_k
Last day of work: Thursday, June 26th, 2025
Age: 59
Retiring after 36+ years of service
OK, it's getting REAL!

I gave my notice to the boss on Monday; shared it with the leadership team yesterday. I am meeting with my team at 3:30 today to let them know.

With service credit for the unused 1200 hours of Sick Leave? 37 years of service.

:sharebeer :sharebeer
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Miriam2
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Re: Roll Call for the Retirement Class of 2025!

Post by Miriam2 »

Boglenaut wrote: Tue Nov 19, 2024 2:49 am My boss just informed me I will be in the Class of 2025! :wink:
What a great boss! Welcome to this great class and to the Bogleheads Retirement Roll Call!
Boglenaut wrote:(I had previously stumbled into retirement and then took this job 3 years ago, so any money I made was "extra". I only took this job because it was low stress and interesting work. I will miss it, but losing it will have little impact on our lives financially. My boss is a nice guy, so I hope his business survives the current downturn.)
Always nice to have extra money :wink: What are your plans for your retirement? We hope everything is great and works out as you want. Best wishes for a long and happy retirement!
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Boglenaut
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Re: Roll Call for the Retirement Class of 2025!

Post by Boglenaut »

Miriam2 wrote: Fri Jan 17, 2025 1:37 am
Boglenaut wrote: Tue Nov 19, 2024 2:49 am My boss just informed me I will be in the Class of 2025! :wink:
What a great boss! Welcome to this great class and to the Bogleheads Retirement Roll Call!
Boglenaut wrote:(I had previously stumbled into retirement and then took this job 3 years ago, so any money I made was "extra". I only took this job because it was low stress and interesting work. I will miss it, but losing it will have little impact on our lives financially. My boss is a nice guy, so I hope his business survives the current downturn.)
Always nice to have extra money :wink: What are your plans for your retirement? We hope everything is great and works out as you want. Best wishes for a long and happy retirement!

Assuming I can navigate the bureaucracy, unemployment benefits. The law requires that I do a good faith search, which I intend to do. It is less than 20% of my old pay, so I figure they are paying me to send my resumes and I will treat it like it is my part time job and take it seriously.

Realistically, so close to retirement, I don't expect to find anything. So in 6 months I will officially retire for real and for good. I have a gap in my resume from my previous early retirement, so I will not hide that to be fair to prospective employers. That will likely scare them off but I don't plan to lie. Who knows, I may get lucky again and find that dream job for a year or two. If not, I enjoy retirement.
"Orangutans are skeptical of changes in their cages"
HenryG
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Re: Roll Call for the Retirement Class of 2025!

Post by HenryG »

I did not expect to be in the roll call this year, but I abruptly had enough of the corporate environment, and I think I have enough to step away.
Submitted resignation this week with March 14, 2025 exit date.
46 years old.
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Miriam2
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Re: Roll Call for the Retirement Class of 2025!

Post by Miriam2 »

HenryG wrote: Sat Jan 18, 2025 6:20 pm I did not expect to be in the roll call this year, but I abruptly had enough of the corporate environment, and I think I have enough to step away.
Submitted resignation this week with March 14, 2025 exit date.
46 years old.
Enough of the corporate environment :!: Onto the Retirement Roll Call and out into the big wide world! Welcome to this Class of 2025 :D

46 years old is a young retirement, what are you going to do with all that empty space ahead of you? We hope everything works out perfectly and you enjoy all your adventures and excitement as well as all your relaxing and peaceful times 8-)
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Miriam2
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Re: Roll Call for the Retirement Class of 2025!

Post by Miriam2 »

Hillview wrote: Tue Nov 19, 2024 2:40 pm Throwing my hat in the ring, will be leaving my company end of December and joining the ranks of retired or maybe it is a sabbatical. Looking forward to getting off the road for work travel, watching kids sporting games, getting back into shape, getting the house in order, and letting go of the stress. Last kiddo will be in college in 2 years so more exotic plans after that. :sharebeer
Hi Hillview and thanks for checking into the Retirement Class of 2025. Welcome to the Retirement Roll Call!
Whether you're joining the ranks of retired or taking a sabbatical, you're off the treadmill and letting go of the stress :D Your retirement plans look great - but please advise how to get the house in order, LOL. We wish you a wonderful, long, enjoyable retirement.
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watchnerd
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Re: Roll Call for the Retirement Class of 2025!

Post by watchnerd »

February 7 is my retirement date, a few months shy of my 55th birthday.

30 years in the tech industry.
Global stocks, IG/HY bonds, gold & digital assets at market weights 78% / 17% / 5% || LMP: TIPS ladder
Wannaretireearly
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Re: Roll Call for the Retirement Class of 2025!

Post by Wannaretireearly »

watchnerd wrote: Sun Jan 26, 2025 8:59 am February 7 is my retirement date, a few months shy of my 55th birthday.

30 years in the tech industry.
Congrats!! Curious, what do you have planned for the rest of this year?
“At some point you are trading time you will never get back for money you will never spend.“ | “How do you want to spend the best remaining year of your life?“
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watchnerd
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Re: Roll Call for the Retirement Class of 2025!

Post by watchnerd »

Wannaretireearly wrote: Sun Jan 26, 2025 4:08 pm
watchnerd wrote: Sun Jan 26, 2025 8:59 am February 7 is my retirement date, a few months shy of my 55th birthday.

30 years in the tech industry.
Congrats!! Curious, what do you have planned for the rest of this year?
They honey-do list is very long!

But also: landscaping, gardening, home remodeling, travel, more outdoor activity time, maybe get a new dog.
Global stocks, IG/HY bonds, gold & digital assets at market weights 78% / 17% / 5% || LMP: TIPS ladder
Wannaretireearly
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Re: Roll Call for the Retirement Class of 2025!

Post by Wannaretireearly »

watchnerd wrote: Sun Jan 26, 2025 5:39 pm
Wannaretireearly wrote: Sun Jan 26, 2025 4:08 pm

Congrats!! Curious, what do you have planned for the rest of this year?
They honey-do list is very long!

But also: landscaping, gardening, home remodeling, travel, more outdoor activity time, maybe get a new dog.
Excellent! Enjoy this new phase of life.
“At some point you are trading time you will never get back for money you will never spend.“ | “How do you want to spend the best remaining year of your life?“
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watchnerd
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Re: Roll Call for the Retirement Class of 2025!

Post by watchnerd »

Wannaretireearly wrote: Sun Jan 26, 2025 6:59 pm
watchnerd wrote: Sun Jan 26, 2025 5:39 pm

They honey-do list is very long!

But also: landscaping, gardening, home remodeling, travel, more outdoor activity time, maybe get a new dog.
Excellent! Enjoy this new phase of life.
Debating between sea kayak or paddle board.

Need to start fully using the beach we own.
Global stocks, IG/HY bonds, gold & digital assets at market weights 78% / 17% / 5% || LMP: TIPS ladder
Wannaretireearly
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Re: Roll Call for the Retirement Class of 2025!

Post by Wannaretireearly »

watchnerd wrote: Sun Jan 26, 2025 9:06 pm
Wannaretireearly wrote: Sun Jan 26, 2025 6:59 pm

Excellent! Enjoy this new phase of life.
Debating between sea kayak or paddle board.

Need to start fully using the beach we own.
Get one and then the other!
“At some point you are trading time you will never get back for money you will never spend.“ | “How do you want to spend the best remaining year of your life?“
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Miriam2
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Re: Roll Call for the Retirement Class of 2025!

Post by Miriam2 »

bikeeagle1 wrote: Mon Nov 25, 2024 2:11 pm I'm in this class! Retiring in April 2025 at age 65. I've been working pretty much continuously since I was about 13 or 14, so I would say it's about time!

You can find me somewhere on the road in my RV, blissfully ignoring my Boglehead portfolio until it's time to rebalance at the end of the year.

8-)
Another new classmate for this Awesome Class of 2025! Thanks for posting your timely decision and Welcome to the Retirement Roll Call :D That's about 55 years of work under your belt - for sure it's time to retire and enjoy relaxing and renewing.

We also enjoy "blissfully ignoring our Boglehead portfolio!" The end of last year was recently. How did you rebalance?
Wishing you a long, healthy and exciting retirement out on the open road enjoying all the wonders of this great, beautiful country :sharebeer
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Miriam2
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Re: Roll Call for the Retirement Class of 2025!

Post by Miriam2 »

jaytee52 wrote: Thu Sep 26, 2024 9:12 am First time poster here. I wish I had discovered this site years ago, as I would have made some wiser long-term $$ decisions. Jan 1, 2025 is first day of retirement after 44+ years in academia. I will be consulting the forum frequently as I move my 403B to a tIRA.
TexNewMex wrote: Mon Dec 09, 2024 8:02 pm +1
Same here. Long time reader, first post. Wish I had found this site earlier although I have been mostly a buy and hold investor over the years. Currently about 30X expenses. Retiring Jan15th, 2025 after 23 years in academics (my second career). I have some IRA rollovers to get done in the first quarter. Thanks to the forum, I have my AA set and a good investment policy statement for the long term. I know I have more to learn and will be a frequent visitor to the forum.
Welcome to the Bogleheads, TexNewMex! And a second big welcome to the Retirement Roll Call! Thank goodness you made it to retirement without us :shock: Retiring from academia is a good retirement and we wish you a long happy next phase of life :happy Looking forward to reading your posts and what you have to say about your journey to retirement.
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TexNewMex
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Re: Roll Call for the Retirement Class of 2025!

Post by TexNewMex »

TexNewMex wrote: Mon Dec 09, 2024 8:02 pm +1
Same here. Long time reader, first post. Wish I had found this site earlier although I have been mostly a buy and hold investor over the years. Currently about 30X expenses. Retiring Jan15th, 2025 after 23 years in academics (my second career). I have some IRA rollovers to get done in the first quarter. Thanks to the forum, I have my AA set and a good investment policy statement for the long term. I know I have more to learn and will be a frequent visitor to the forum.

Welcome to the Bogleheads, TexNewMex! And a second big welcome to the Retirement Roll Call! Thank goodness you made it to retirement without us :shock: Retiring from academia is a good retirement and we wish you a long happy next phase of life :happy Looking forward to reading your posts and what you have to say about your journey to retirement.
Thanks so much. Rollovers are in progress and I'm hoping they settle before the end of February.
TexNewMex
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Miriam2
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Re: Roll Call for the Retirement Class of 2025!

Post by Miriam2 »

Vtsax100 wrote: Thu Dec 26, 2024 5:18 pm My intention is Q1 2025. 50 Y/O. I was always a saver but unfortunately didn’t discover Bogleheads until my early 40’s. Oh if I had only found you few years earlier…
Haha! At least you found us when you did! Retiring at age 50 means you did a pretty good job before us :D And now for those most glorious words: "Welcome to the Retirement Roll Call" !! Don't forget to sign all your necessary retirement papers on time so you don't get held back.

What are your plans for this new phase of life? How are you bridging the financial gap between February 2025 and age 62 or 65-66? We wish you all the best and hope for a super wonderful retirement :D
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watchnerd
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Re: Roll Call for the Retirement Class of 2025!

Post by watchnerd »

Tomorrow I'll be talking to HR about COBRA (Feb 7 is my last day).

I imagine I'll stay on it for a while until I figure out ACA options.

Any recommended websites or reading?

Does anyone have pointers about whether one should or shouldn't enroll in ACA outside the usual open enrollment windows?
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Miriam2
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Re: Roll Call for the Retirement Class of 2025!

Post by Miriam2 »

watchnerd wrote: Sun Jan 26, 2025 8:59 am February 7 is my retirement date, a few months shy of my 55th birthday.
30 years in the tech industry.
Congratulations, watchnerd! Welcome to the Retirement Roll Call and this Mahvelous Class of 2025 :D

And most importantly, since you have been a Boglehead since March 3, 2007, you are in the running for one of the Greatest Honors of this Retirement Roll Call Class - and trust me, there are many Great Honors being on the Retirement Roll Call :mrgreen: - and for you that is The Most Senior Boglehead! The Bogleheads dot org began on Feb. 19, 2007, so you were just a babe in the woods when you joined - and look where you are now!

watchnerd wrote: Sun Jan 26, 2025 5:39 pm They honey-do list is very long!
But also: landscaping, gardening, home remodeling, travel, more outdoor activity time, maybe get a new dog.
Lots of good plans!
watchnerd wrote: Sun Jan 26, 2025 9:06 pm Debating between sea kayak or paddle board.
Need to start fully using the beach we own.
We agree with Wannaretireearly - "Get one and then the other!"
This is an exciting time of life and we wish you the very best in the many years to come :sharebeer
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Sandi_k
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Re: Roll Call for the Retirement Class of 2025!

Post by Sandi_k »

Sandi_k wrote: Sat Jul 06, 2024 12:01 pm
Miriam2 wrote: Fri Jul 05, 2024 6:55 pm It's time already!

:arrow: The Roll Call for the Retirement Class of 2025 is now open!

Are you planning to RETIRE in 2025?

Add your name to this Wonderful Bogleheads Retirement Roll Call, post your R-date and age, if you choose, and yes, tentative retirement plans and estimated dates are okay - we just reboot you when they change 8-)

What is being retired??

:sharebeer
Me, me, me, me, ME! I've been patiently waiting for this thread. ;)

Sandi_k
Last day of work: Thursday, June 26th, 2025
Age: 59
Retiring after 36 years of service
I have officially given notice, and the boss sent out the announcement.

EEEEEEEEKKKKKKKKKEEEEEEE! It's happening!
angelescrest
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Re: Roll Call for the Retirement Class of 2025!

Post by angelescrest »

jaytee52 wrote: Thu Sep 26, 2024 9:12 am First time poster here. I wish I had discovered this site years ago, as I would have made some wiser long-term $$ decisions. Jan 1, 2025 is first day of retirement after 44+ years in academia. I will be consulting the forum frequently as I move my 403B to a tIRA.
Congrats! What kind of a portfolio does a 44 year career in academia get you? It’s been a long, long time since 1980.
Wannaretireearly
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Re: Roll Call for the Retirement Class of 2025!

Post by Wannaretireearly »

Sandi_k wrote: Fri Jan 31, 2025 9:52 pm
Sandi_k wrote: Sat Jul 06, 2024 12:01 pm

Me, me, me, me, ME! I've been patiently waiting for this thread. ;)

Sandi_k
Last day of work: Thursday, June 26th, 2025
Age: 59
Retiring after 36 years of service
I have officially given notice, and the boss sent out the announcement.

EEEEEEEEKKKKKKKKKEEEEEEE! It's happening!
36 years is an amazing stretch. Enjoy every day from now on out!
“At some point you are trading time you will never get back for money you will never spend.“ | “How do you want to spend the best remaining year of your life?“
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Miriam2
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Re: Roll Call for the Retirement Class of 2025!

Post by Miriam2 »

BowBog wrote: Thu Dec 26, 2024 5:58 pm Retirement in Q1 2025, age 65 for me. The federal government gave me a huge bonus with the repeal of Social Security's WEP and GPO, I was going to subject to close to the max offset.
Hi BowBog and a nice huge welcome to the Retirement Roll Call, made all the better with your nice huge bonus! A bonus in the money pot makes pulling the working plug a little easier :moneybag

In a sentence or two, could you please explain what the repeal of Social Security's WEP and GPO means, and how does it provide a bonus? Your classmates are always interested in learning about personal finance 8-)

We wish you all the best as you start this new phase of life, stay on-board on the forum, eat your veggies, enjoy the great outdoors and the pleasant indoors, fun with family and friends, and don't lose your money :mrgreen:
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Miriam2
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Re: Roll Call for the Retirement Class of 2025!

Post by Miriam2 »

DukeBlue wrote: Thu Dec 26, 2024 6:22 pm I’m calling it quits in May 2025. I’ll be 59.5 at that time.

I negotiated to keep my health coverage through the end of 2025, but then I’ll be on my own which is scary. (My employer is exempt from COBRA.) Working longer would be even scarier since the stress has been terrible the last few years.
Congratulations DukeBlue on calling it quits - scary times, but very important to unload that stress and enjoy your retirement life :happy We hope everything works out perfectly and that your glidepath into retirement is hassle free. A wonderful big Welcome to the Retirement Roll Call and we enjoy having you in this Class of 2025 :beer

Let us know what your retirement plans are! Make time for relaxing and some new adventures. We wish you a very enjoyable and long and healthy retirement!
DukeBlue
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Re: Roll Call for the Retirement Class of 2025!

Post by DukeBlue »

Miriam2 wrote: Sat Feb 01, 2025 1:15 pm
DukeBlue wrote: Thu Dec 26, 2024 6:22 pm I’m calling it quits in May 2025. I’ll be 59.5 at that time.

I negotiated to keep my health coverage through the end of 2025, but then I’ll be on my own which is scary. (My employer is exempt from COBRA.) Working longer would be even scarier since the stress has been terrible the last few years.
Congratulations DukeBlue on calling it quits - scary times, but very important to unload that stress and enjoy your retirement life :happy We hope everything works out perfectly and that your glidepath into retirement is hassle free. A wonderful big Welcome to the Retirement Roll Call and we enjoy having you in this Class of 2025 :beer

Let us know what your retirement plans are! Make time for relaxing and some new adventures. We wish you a very enjoyable and long and healthy retirement!
Thanks, Miriam2! Since my post in late December, a dear friend was diagnosed with Stage 4 cancer and my brother died unexpectedly at the age of 62. To me, these are both reminders that we should make good use of the time given to us. So glad I’m calling it quits in May! Hoping to travel a bit and volunteer.
Last edited by DukeBlue on Mon Feb 03, 2025 9:16 pm, edited 1 time in total.
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Miriam2
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Re: Roll Call for the Retirement Class of 2025!

Post by Miriam2 »

DukeBlue wrote: Sat Feb 01, 2025 7:50 pm . . . . . Since my post in late December, a dear friend was diagnosed with Stage 4 cancer and my brother died expectedly at the age of 62. To me, these are both reminders that we should make good use of the time given to us. So glad I’m calling it quits in May! Hoping to travel a bit and volunteer.
Oh, I'm so sorry. Your comments are very poignant.

"To me, every hour of the day and night is an unspeakably perfect miracle."
-- Walt Whitman
BananaSlug22
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Re: Roll Call for the Retirement Class of 2025!

Post by BananaSlug22 »

Received the RIF.... officially off the payroll entirely March 31, 2025.
Age: 63

Have worked 45-60+ hours a week since my early 20s.

Lots of choices of things to do, priority is health and taking care of my mom, who gave me the crazy work ethic...
A little bit nervous, but I am assured by others that it is going to be ok! :happy
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Miriam2
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Re: Roll Call for the Retirement Class of 2025!

Post by Miriam2 »

AlaskaTeach wrote: Thu Dec 26, 2024 6:43 pm I am retiring from education effective end of August 2025. 24 years working in education plus 6 years working for the state of Texas gives me a combined retirement pension based upon 30 years. Age 60 as of yesterday.
Sounds like a great time to retire! Congratulations and Welcome to the Retirement Roll Call and this Class of 2025 :D
AlaskaTeach wrote:I plan to start writing my book during spring break about my years in education, and dedicate it to my mom, who still tutors community college students to this day, after retiring from public education many years ago. She turns 84 in about 27 days. After I finish the book, I plan to focus on my health with exercise and eating better than now, coordinate a move for my wife and I from our current apartment to a better apartment, and after moving in early 2026, continue the ultimate to-do list, finish traveling to all 50 states, and see what I can do volunteering to help others.
Happy Birthday to your mom! 🍰🎉 Nice present for her by dedicating your book to her.

Great plans for retirement, AlaskaTeach. What states haven't you visited yet? I just pulled out a map of the US and I have been to and spent time in every state except Arkansas and Oklahoma - and also to every Canadian province except Nunavut, Yukon and Northwest Territory, and the old Labrador (I did spend time in Newfoundland). These are certainly big, beautiful lands. We wish you lots of fun and enjoyment in your retirement :D
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