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Miscellaneous 🤷‍♀️ How do you see in your mind your last day of work day playing out?

SlaveToTheGrind

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I'm coming up on 28 years as a planner and 27 in my current retirement system. Not going to lie, I see the finish line (30 years if in a good position to do so) and may look at buying out some time. I work for a great municipality and have a zero complaint work schedule of 4/10 with two days WFH. I've often contemplated what my last day will be. Likely a get-together of staff and out the door by early afternoon. I also think wearing an Iron Maiden Piece of Mind or Live After Death t-shirt as a subtle meaning of the what the future holds.
 
My last day was a year & half ago, so I remember was pizza lunch for the office, clocking out, & hugs before walking out.
Passed off work well before last day.
 
It will probably be the day I die. To Millennials and Zoomers, "retirement" is not a concept that we can even imagine. Its something our parents were able to do, but we probably cant (unless you come from generational wealth or make it as an "influencer" or STEM professional). I'm not optimistic that our current world and standard of living will even still exist in 2061, the year I turn 70 (the new retirement age). I do pay into my pension plan, but I live in the here and now.
 
It will probably be the day I die. To Millennials and Zoomers, "retirement" is not a concept that we can even imagine. Its something our parents were able to do, but we probably cant (unless you come from generational wealth or make it as an "influencer" or STEM professional). I'm not optimistic that our current world and standard of living will even still exist in 2061, the year I turn 70 (the new retirement age). I do pay into my pension plan, but I live in the here and now.
Sure you can. Any little bit you can save or invest now will help.

As for my last day, I'll just leave. I don’t want a lunch or any attention. I don't like that kind of attention.
 
Remember to schedule your last day - timing is important

Mine was the last day of the first pay period of the year, so my pay out was on 2024 taxes,
When I achieved regular SS age for my birth year & month - 66 & 6 months
Got paid for Christmas & New Year holidays
 
We've got a reitrement department that helps plan all the little things like picking the best last day for taxes or staying that one extra day to get into the next quarter and bump the multiplier.

My last day will be the same as it was in the Navy. I let up a cigar, saluted the flag and walked off the ship one last time.
 
It will probably be the day I die. To Millennials and Zoomers, "retirement" is not a concept that we can even imagine. Its something our parents were able to do, but we probably cant (unless you come from generational wealth or make it as an "influencer" or STEM professional). I'm not optimistic that our current world and standard of living will even still exist in 2061, the year I turn 70 (the new retirement age). I do pay into my pension plan, but I live in the here and now.
Be as aggressive as you can in your investment direction. I was too cautious (didn't think I'd be here this long, and different rules earlier in my career) and it probably cost me 100k, maybe more. You have time to ride the ups and downs. And, as @kms said, throw extra into the account whenever you can. It really does add up. (Plus, I believe Congress will eventually come to their senses to shore up SS. There's a strong proposal being discussed - I think it will come to pass.)

++
I'm planning February 7th(ish) of 2028 for my last day. (That would be age 67.5 and 40 employed years with the city.) Walking out the door won't be tolerated (provided the same crew is around then as is here now - no sure thing). A luncheon with staff and maybe some other old timers. Head out after lunch. Pretty sure my kids would demur from any event, so quick and easy.
 
I think it depends on the idea of retirement. I say that because at some point I will leave this job. But I would like to keep working in this industry, preferably for a consulting firm that allows for a bit of travel. Having said all that, I have not given it much thought since I have only been here a year.
 
Oh this is a serious question - I thought this like a "my last Council meeting will be epic" kind of thing lol

I would like a party, sure, why not - but I need to work until 67 for sure

[/insert specific Half Baked movie reference]

:brofist: :cool:
Go Away Eww GIF by CBS
 
I still remember the day my Grandpa retired from the NYPD circa 2/1998 (age 58, with 33 years in). The Precinct he served in gave him a traditional LEO "walk out" where he left the building in dress uniform, one last time being saluted by his women/men. Afterwards, we went to a Bronx diner that had been previously "off limits" to all officers borough wide, place with a backroom where certain friends of my grandpa would invite him to play cards ;)

Miss my Grandpa hard, he was the best with retirement and investing advice. A small part of his estate helped me finish grad school without loans, although I'd rather he still be here obvs, I went to State school and wasn't looking at serious debt.
 
As for my last day, I'll just leave. I don’t want a lunch or any attention. I don't like that kind of attention.

That is soooooo you! And I find it unacceptable. I'm going to fly out there, and at least you're getting a hug on your way out the door and a congratulations. And you'll accept a simple dinner. We'll keep it small - I'll round up maybe 30-40 Cyburbians and we'll paint the rural route red. :)
 
I'm coming up on 28 years as a planner and 27 in my current retirement system. Not going to lie, I see the finish line (30 years if in a good position to do so) and may look at buying out some time. I work for a great municipality and have a zero complaint work schedule of 4/10 with two days WFH. I've often contemplated what my last day will be. Likely a get-together of staff and out the door by early afternoon. I also think wearing an Iron Maiden Piece of Mind or Live After Death t-shirt as a subtle meaning of the what the future holds.

That's a great question. I'm an "engineer" at a major corporation. I put that in quotes because for the last 15 years I've done work supporting the engineering organization, including equipment planning, cost estimating, proposal coordination and most recently manpower planning. Although the chain of command has evolved, my primary customer... the guy I work for... is a director of about 500 people. In my current position I'm part of his "integration office", doing stuff that benefits the whole org.

Up until last July when the integration office was established, I was a direct employee of said director. Now he's my boss's boss's boss's boss. My actual boss is a sharp young man the same age as my son, who went through the company's leadership development program and is developing into a fine leader.

At work I mention that in a a vague "coupla years" I'll be retiring but no actual retirement plan yet. I plan to work until 65 (two years from this fall) and then play it by ear. If I'm enjoying work I'll work maybe two years beyond then to the "full" Social Security date (assuming that's still a thing).

Which brings me back to the question. It seems like much of my career has been in niche roles, working unique products and/or doing something that no one else around me does. From that standpoint I could see my retirement as a low key affair. On the other hand, I support an organization of 500 people and work with roughly 40 managers and maybe 20 other key people, so maybe it will be a bigger event. I don't know, we'll see.

There's another option though. Although The Company is prospering right now, there have been lean times in the past. If we hit one of those lean times and I'm ready to go, I may take voluntary layoff (which would probably include something like a 6 month salary payout). That would be a nice way to kick off retirement. We could pay off the house if we still owe anything on it, maybe buy a new car (probably for the wife since I just got one for myself), maybe do a little travel or something. But if I take a layoff, my retirement might go largely unnoticed based on the corporate culture and what I've seen in the past.

The third option is to work until someone or something pisses me off, have an epic meltdown and storm out. I keep telling my current boss (the sharp young man) that I'm planning to leave that way.... "So don't piss me off ;) "

I mean it would be nice to enjoy some comradery with my coworkers one last time but to be honest I don't envision staying in touch with any of them after I retire. They will immediately transition to my past. I imagine that will be something like when my younger son graduated high school and I was no longer a band dad. I've had almost no contact with those people since then. It doesn't bother me to cut them out of my life, there's other stuff to do and people to hang with.

In all likelihood though I probably will go along with the corporate sponsored retirement party and pretend to enjoy it. Maybe I really will.
 
As for my last day, I'll just leave. I don’t want a lunch or any attention. I don't like that kind of attention.

That's kind of how I feel, but I'm not sure the corporate culture will cooperate. I'll try to be gracious either way.
 
Important consideration - have some volunteer activities on going before you retire - so there is some consistancy in your daily/weekly routine
For me it has been social media/news research for American Trails & being a map editor for the USGS National Map Corps.
 
I am an Xennial, and I do fully intend to retire one day, so that I may enjoy some years of peace, comfort, and tranquility before beaming off this rock. I graduated just a bit before the sh!tstorm of the great recession and it did impact by ability to save for a number of years, but I'm getting there.

I just spent this past weekend hanging out with a buddy of mine who spent 35 years in NYC government as a planner. Every level on the rung from n00b Planner I all the way to division director. He's now happily retired at age 63 and living his best life. He gardens, lifts weights (and he's in absolutely awesome shape), naps, reads, and fires up the grill multiple times a week. Volunteers here and there with a local land conservancy. He misses being in the 'room where it happens', as it were, but doesn't miss Zoom, the stress, or commuting one bit. He is what I aspire to be in retirement. He said to me before I left "I'm you, just a bit further down the road".
 
The goal I have is to retire at 60. (it was 55 but then life happened). I believe with what I have in place I should be able to retire comfortably at 60 and not tap into Social Security until 62.5. I am not at all worried about missing work or not having things to do. I enjoy being busy and working on various projects so my days will be as full as I want them to be. Like someone else said I'm sure I'll miss "being in the room" a little but I'll get over that. I've never been one to use my job as my identity. I enjoy my work and am proud of it but it doesn't define me.

As far as my last day I see a nice lunch with whomever wants to attend and then just slipping away that afternoon. Although a police escort home would be kinda cool now that I think about it.
 
My last day (at some point within the next 10 years)?

1. Turn on computer in home office, complete and submit timesheet.
2. Figure out where my firm's local office (that I never go to ) is.
3. Turn off computer, disconnect everything, go to local firm office and turn it and my security badge in.
4. Get on with the rest of my life.

Assuming that I stay with my current firm until retirement, my team is spread out over multiple states and time zones - we really only see each other in person during project site visits. And, that works for me (I've worked primarily from home since my first tour of duty with this firm started in 2008).
 
As for my last day, I'll just leave. I don’t want a lunch or any attention. I don't like that kind of attention.

This is how my last day plays out in my mind too.

I'm planning that my last day will be sometime within about the next ten years, which is when our youngest will graduate high school.

My employer has no defined benefit plan and I missed retiree health care by about 6 months so there isn't much difference here between retiring and quitting. If my employer offered some sort of early buy-out that included health insurance for me and my dependants until I hit 65 or something, I'd be out the door tomorrow.

As for what my last day will look like - I'll give two weeks notice. There will be no party and I'll just roll into the office around 9:30 and leave around 3:00... just like every other day. I will leave no forwarding personal email address. Besides HR, there may or may not be somebody in the department who will know how to get a hold of me... but I probably wont respond anyway. I have a coworker who lives a few blocks away from me; I'll probably adjust my walking/running routes so I don't go by their house for a while as well! :rofl:

0uyewG.gif
 
I have a coworker who is 28 and trying to retire by 30, and claims to be "two years away" from retirement. I quite respect said person and enjoy the bar that they own (humble despite success), so I hope they get their wish!

In most cases though, when you meet the "retire young" crowd, they are insufferable and their unspoken secret formula is generational wealth.
 
I have a coworker who is 28 and trying to retire by 30, and claims to be "two years away" from retirement. I quite respect said person and enjoy the bar that they own (humble despite success), so I hope they get their wish!

In most cases though, when you meet the "retire young" crowd, they are insufferable and their unspoken secret formula is generational wealth.
If you ever want to read some depressing and uplifting stories look at the FIRE (Financial Independence and Retire Early) subreddit page. Lots of people trying to retire in their 30s and 40s. I don't think most could reasonably do it without inheritance or other windfalls, but some make it work.

My last day will be going in. Dropping some stuff in a box. Wondering around the office. Maybe take a stroll downtown or go look at "projects". If the standard retirement process holds there will be a reception with cake at some point and I'll get a plaque. Non-work related possibly an early happy hour that goes a little to long.

Retirement could come as early as 50, but its not going to happen. 25 years left on a mortgage (and need a major remodel), 9 more years till kid gets out of high school, 16 years until I'm eligible for SS, 19 years till Medicare. Realistically, my last day is not going to occur for at least 12-14 years.
 
If you ever want to read some depressing and uplifting stories look at the FIRE (Financial Independence and Retire Early) subreddit page. Lots of people trying to retire in their 30s and 40s. I don't think most could reasonably do it without inheritance or other windfalls, but some make it work.

Somehow, Reddit started feeding me the FIRE /r a while back. From the brief time I looked at it, it didn't seem like a lot of inheritance or windfalls but a lot more of the hustle/grind culture and a lot of living well well well below their means and socking away every last penny. To me that sounds like an absolutely horrible way to live as I definitely do not have that hustle in me. I don't really care about FIRE so I didn't follow that subreddit and now just scroll past it when it does pop up in my feed but I have to imagine there are more than a few folks who retired early in their 30s and then had to join back into the workforce because they mismanaged their funds or totally underestimated how much they would need annually, especially when they're young and still have a lot of energy to go do stuff.
 
Somehow, Reddit started feeding me the FIRE /r a while back. From the brief time I looked at it, it didn't seem like a lot of inheritance or windfalls but a lot more of the hustle/grind culture and a lot of living well well well below their means and socking away every last penny. To me that sounds like an absolutely horrible way to live as I definitely do not have that hustle in me. I don't really care about FIRE so I didn't follow that subreddit and now just scroll past it when it does pop up in my feed but I have to imagine there are more than a few folks who retired early in their 30s and then had to join back into the workforce because they mismanaged their funds or totally underestimated how much they would need annually, especially when they're young and still have a lot of energy to go do stuff.
Very few people have the discipline or projects/goals outside of work to thrive without the structure, I think. I can't imagine that living meagrely 'til 35 to enjoy forty years of povertous dissolution is a great plan. I plan to live meagrely 'til 65 and die by a wild beast.
 
Somehow, Reddit started feeding me the FIRE /r a while back. From the brief time I looked at it, it didn't seem like a lot of inheritance or windfalls but a lot more of the hustle/grind culture and a lot of living well well well below their means and socking away every last penny. To me that sounds like an absolutely horrible way to live as I definitely do not have that hustle in me. I don't really care about FIRE so I didn't follow that subreddit and now just scroll past it when it does pop up in my feed but I have to imagine there are more than a few folks who retired early in their 30s and then had to join back into the workforce because they mismanaged their funds or totally underestimated how much they would need annually, especially when they're young and still have a lot of energy to go do stuff.
All the things these FIRE d-bags like to brag about, are things I already did in my 20s during my wandering hipster years (albeit in a much more DIY and less luxury sense). I scratched the travel/live abroad/be a scumbag itches already, and now its time to work smart and pay my dues.

Ill be lucky if I ever "retire".
 
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Very few people have the discipline or projects/goals outside of work to thrive without the structure, I think. I can't imagine that living meagrely 'til 35 to enjoy forty years of povertous dissolution is a great plan. I plan to live meagrely 'til 65 and die by a wild beast.
Im going to be the doom story in your tiktok feed of the person who tried to go into the Jaguar enclosure at the St. Louis Zoo and say "here kitty kitty!"
 
Early in my career (mid-2000s) we looked seriously at a FIRE approach, particularly given how the retirement system for public municipal worked in my state. I would have had the ability to retire at 43 with a defined benefit, healthcare of course being the sticky wicket.

Things have shifted... we didn't think we were having kids, and now have a daughter. I'd want to work until she finishes whatever post high school education pathway suits her best. Realistically this means working until 60. My calculus also changed substantially when I switched to private sector consulting, and even more once I became an owner in the firm. A much more likely end-game for me likely looks a lot like a coworker: He is over 70 and "works the hours he feels like on the projects he feels like with the clients he likes." He takes trips and vacations whenever he feels like it, but he likes continuing to stay engaged primarily because he loves mentoring young staff and it gives him an excuse to stay connected with clients that are also his friends. Candidly, I know that he is afraid if he stops working entirely he'll deteriorate.
 
From the brief time I looked at it, it didn't seem like a lot of inheritance or windfalls but a lot more of the hustle/grind culture and a lot of living well well well below their means and socking away every last penny. To me that sounds like an absolutely horrible way to live as I definitely do not have that hustle in me.

To be honest, I think we've lived well below our means for the last 20 years. After several early career layoffs and credit counseling we didn't spend much on frivolous stuff and put all we could in savings.... I didn't take a raise for years because I'd just roll the extra money into my 401k.

Since we finally got a proper financial counselor I've started to realize that yeah, we kind of do have some decent savings, and right now he's making more money for us off of it than I'm making at my job. Looking at it that way, maybe we can retire comfortably. I had my doubts 25 years ago.
 
To be honest, I think we've lived well below our means for the last 20 years. After several early career layoffs and credit counseling we didn't spend much on frivolous stuff and put all we could in savings.... I didn't take a raise for years because I'd just roll the extra money into my 401k.

Since we finally got a proper financial counselor I've started to realize that yeah, we kind of do have some decent savings, and right now he's making more money for us off of it than I'm making at my job. Looking at it that way, maybe we can retire comfortably. I had my doubts 25 years ago.
You're still of a certain age that retirement is possible and you got to have a Dart, dont worry youre fine, you have a new Impreza.

Come back to Cheektowaga for the warm months but keep your domicile in Texas, i.e. 7 months out of the year so you dont have to pay NYS taxes
 
You're still of a certain age that retirement is possible and you got to have a Dart, dont worry youre fine, you have a new Impreza.

Come back to Cheektowaga for the warm months but keep your domicile in Texas, i.e. 7 months out of the year so you dont have to pay NYS taxes

It's a Crosstrek but whatever. As far as the taxes go, If I'm a legal resident in NYS for part of the year (more than a month), I still have to pay NYS income tax.
 
It's a Crosstrek but whatever. As far as the taxes go, If I'm a legal resident in NYS for part of the year (more than a month), I still have to pay NYS income tax.
Erie, PA is also pretty nice as a summer getaway. Slightly lower cost of everything factor than Buffalo but only 1.5 hours away ;)
 
To be honest, I think we've lived well below our means for the last 20 years. After several early career layoffs and credit counseling we didn't spend much on frivolous stuff and put all we could in savings.... I didn't take a raise for years because I'd just roll the extra money into my 401k.

Since we finally got a proper financial counselor I've started to realize that yeah, we kind of do have some decent savings, and right now he's making more money for us off of it than I'm making at my job. Looking at it that way, maybe we can retire comfortably. I had my doubts 25 years ago.

We live below our means as well (when we bought our house we budgeted based entirely on my income which was significantly lower than my wife's income and is still below my wife's income even now after I've stuck around long enough to earn 6-figures and my wife doesn't work at all) but there's a performative nature about how a lot of the people who post on that subreddit live... or at least how they portray themselves online. It's difficult for me to put into words but @The Terminator describing them as "insufferable" is spot on.
 
Sincerely...I agreed. I was pleasantly surprised by the City when we stop in once when we lived in metro Cleveland/Akron.
If I was looking for a place to semi-retire for unhabitable Texas summers and wanted another low or no tax State, PA & New Hampshire would be on my shortlist.
We live below our means as well (when we bought our house we budgeted based entirely on my income which was significantly lower than my wife's income and is still below my wife's income even now after I've stuck around long enough to earn 6-figures and my wife doesn't work at all) but there's a performative nature about how a lot of the people who post on that subreddit live... or at least how they portray themselves online. It's difficult for me to put into words but @The Terminator describing them as "insufferable" is spot on.
Allot of it is people who are just putting on a complete act and either hiding generational wealth or are still remote workers low key. People born in the 90s seem to be worst offenders.
 
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