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

Planit said:
Hardy handshake and a laurel
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*a laurel and hardy handshake

laurel and hardy dancing GIF
 
The Terminator said:
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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When I see people in their late 30s or early 40s posting about how they've saved $3M and plan to retire while the wife stays home with 4 kids and husband makes $60K there is either a hidden hustle, a settlement, or some family money that makes it work.

As someone who wasn't given cash, I understand I had a better starting place than most because I didn't have student loans because mom and dad helped me out. That's generational support a lot don't have. I just suck at saving so I'll retire but not as well or when someone more deliberate would.
 
bureaucrat#3 said:
When I see people in their late 30s or early 40s posting about how they've saved $3M and plan to retire while the wife stays home with 4 kids and husband makes $60K there is either a hidden hustle, a settlement, or some family money that makes it work.

As someone who wasn't given cash, I understand I had a better starting place than most because I didn't have student loans because mom and dad helped me out. That's generational support a lot don't have. I just suck at saving so I'll retire but not as well or when someone more deliberate would.
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I used to suck at saving. I earned enough to get by. I was appointed interim manager at my old job and got a decent monthly bonus as compensation. Old kms would have treated it as a windfall and spent it. Growing kms realized that it wouldn't be a "raise" unless it is used it to pay off debt. Removing payments from my budget could be the "raise". I paid off two loans and my car with those bonuses. When I took my current job, I gave myself a little raise and put the rest into investments. I don't miss money that doesn't linger in my checking account.

Like I said before, saving a little can put you on the path to saving a little more.
 
bureaucrat#3 said:
When I see people in their late 30s or early 40s posting about how they've saved $3M and plan to retire while the wife stays home with 4 kids and husband makes $60K there is either a hidden hustle, a settlement, or some family money that makes it work.

As someone who wasn't given cash, I understand I had a better starting place than most because I didn't have student loans because mom and dad helped me out. That's generational support a lot don't have. I just suck at saving so I'll retire but not as well or when someone more deliberate would.
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We had some student loans but yeah, my parents helped out a lot. I would say both my wife and I grew up somewhere in a rising echelon of middle class. My wife's family was actually quite poor but managed by hard work and good fortune to climb solidly into the middle class. My family is what you might call "well connected" middle class, as my dad was in sales and knew lots of merchants and home services contractors and stuff ("I know a guy...") Both families weathered financial challenges but were able to provide for their kids.

So far, we haven't received any generational wealth in terms of significant infusion of cash. Probably the biggest thing we got was borrowing $3k from my parents when we bought our first home, but even that was a loan and we paid it back. When all our parents are gone we will likely get something to add to our nest egg but it won't be life changing.
 
kms said:
I used to suck at saving. I earned enough to get by. I was appointed interim manager at my old job and got a decent monthly bonus as compensation. Old kms would have treated it as a windfall and spent it. Growing kms realized that it wouldn't be a "raise" unless it is used it to pay off debt. Removing payments from my budget could be the "raise". I paid off two loans and my car with those bonuses. When I took my current job, I gave myself a little raise and put the rest into investments. I don't miss money that doesn't linger in my checking account.

Like I said before, saving a little can put you on the path to saving a little more.
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Amen. "Pay yourself first" is some of the best advice I've ever been given.
 
Bubba said:
There's varying degrees to that - once the dust settled after my parents passed, what I inherited wasn't much in the big scheme of life, but it's paid for some home improvements and made some vacations nicer.
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Same here. After all was said and done, I received enough money to pay off my car and put a little money in savings.
 
before the college payments started, whenever we got a raise I'd put that difference in a savings or 401k account because I knew we could live on X - that made a difference now
 
Bubba said:
There's varying degrees to that - once the dust settled after my parents passed, what I inherited wasn't much in the big scheme of life, but it's paid for some home improvements and made some vacations nicer.
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I expect it will just end up in the investment account. My wife's parents will probably pass down more than my mom, but I'm not really sure. They could pass next month or in ten years or more, so it's not really worth it to speculate to be honest. (Mom is 89; my in-laws are 86. They're all dealing with chronic health issues of varying degrees.)
 
JNA said:
View attachment 65188
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I have a lot of accrued time off I need to burn through so for most of the summer I've been taking a random day in the middle of the week. Working from home on Monday, Thursday and Friday and then only going in to the office one of either Tuesday or Wednesday while taking the other day off has really thrown my internal calendar off these past couple months!
 
WSU MUP Student said:
I have a lot of accrued time off I need to burn through so for most of the summer I've been taking a random day in the middle of the week. Working from home on Monday, Thursday and Friday and then only going in to the office one of either Tuesday or Wednesday while taking the other day off has really thrown my internal calendar off these past couple months!
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My goal at retirement is to be near max PTO so it is then cashed out and added to retirement calcs.
 
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