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Thanks for mentioning those; I had forgotten about savings bonds and had not heard if I-Bonds. You are limited to $10K per year, but that is a good interest rate, even if you have to cash out prior to 5 years, or even really 1 year -- compared to savings accounts or CDs.
I love my coping method: I recently started part-time at a coffee shop. The person closing (most of my shifts are closing) gets first "dibs" on expiring foods. We sell a couple of quiche, egg or bean based burritos, sous vide eggs (which is like a contained poached egg with a few additions like cheese, green onion and sausage) and then we have various scones, croissants, cookies and other baked goodies. We also sell a drink made with orange peel and at the recommendation of a coworker I've begun taking the orange home instead of composting it at night. So in addition to cash tips (I average about $40 per day) I'm also bringing home about $30-$50 of food and I'll freeze everything except the sous vide eggs. Of course I also get coffee. I get two espresso drinks (any size and style) and free drip coffee per shift. I usually drink the drip and give the espresso drinks to my husband and my son. Since the store is in our neighborhood, it's just a 2 minute drive or 15 minute walk.
Oh and once a month we can take home a free bag of beans.
I was stressed out the first month learning everything, but it's not hard and my body has adapted to the specific movements of pulling shots. It's not much more effort than being the check out person at Costco which are often retirement-age. Sometimes you have to lift 10 lb bins of coffee and 6 pack of alternate milks. I do free youtube workouts on a channel called Fitness with PJ. She's oriented to women in their 40's, 50's and above (she's over 50 herself) and she has you lifting about that weight (or a lot more!).
Good shoes for standing is really important. My Sketchers from Costco work well.
Are you at liberty to reveal WHICH coffee shop? Sounds from the description of the food like "a major one."
I love my coping method: I recently started part-time at a coffee shop. The person closing (most of my shifts are closing) gets first "dibs" on expiring foods. We sell a couple of quiche, egg or bean based burritos, sous vide eggs (which is like a contained poached egg with a few additions like cheese, green onion and sausage) and then we have various scones, croissants, cookies and other baked goodies. We also sell a drink made with orange peel and at the recommendation of a coworker I've begun taking the orange home instead of composting it at night. So in addition to cash tips (I average about $40 per day) I'm also bringing home about $30-$50 of food and I'll freeze everything except the sous vide eggs. Of course I also get coffee. I get two espresso drinks (any size and style) and free drip coffee per shift. I usually drink the drip and give the espresso drinks to my husband and my son. Since the store is in our neighborhood, it's just a 2 minute drive or 15 minute walk.
Oh and once a month we can take home a free bag of beans.
I was stressed out the first month learning everything, but it's not hard and my body has adapted to the specific movements of pulling shots. It's not much more effort than being the check out person at Costco which are often retirement-age. Sometimes you have to lift 10 lb bins of coffee and 6 pack of alternate milks. I do free youtube workouts on a channel called Fitness with PJ. She's oriented to women in their 40's, 50's and above (she's over 50 herself) and she has you lifting about that weight (or a lot more!).
Good shoes for standing is really important. My Sketchers from Costco work well.
You're only age 43 though! So your work situation and other situations do not really apply to many other retirees.....
"Never thought I would say this but at 43 I experience chronic pain and joint aches that (already) affect my mobility. It started in my early 30's. A PT told me my ligaments are loose and I will have to keep my muscles, especially core, strong if I want to avoid falls and hip fractures as I age. I need to get on that now and not put it off another decade (or two).
I think there is more to it. I think in the least I've got fibromyalgia. Mom had it along with connective tissue disorder (rheumatic ailment)."
"Never thought I would say this but at 43 I experience chronic pain and joint aches that (already) affect my mobility. It started in my early 30's. A PT told me my ligaments are loose and I will have to keep my muscles, especially core, strong if I want to avoid falls and hip fractures as I age. I need to get on that now and not put it off another decade (or two).
I think there is more to it. I think in the least I've got fibromyalgia. Mom had it along with connective tissue disorder (rheumatic ailment)."
It's not for everyone, but I know late 60 year olds working in the service industry. One is a host at a restaurant. Another, 76 year old veteran, still working here and there as an HVAC tech for a little spending money and socialization.
Some people actually have to work past traditional retirement ages. Some people make the choice.
Thanks to people like Mr. Money Mustache, Paula Pant and Frugalwoods there are quite a number of early retirees and financially independent but working. I don't know how many exactly, but given the popularity of the FIRE movement over the last decade I imagine there are now several hundred of thousands of us.
I love my coping method: I recently started part-time at a coffee shop. The person closing (most of my shifts are closing) gets first "dibs" on expiring foods. We sell a couple of quiche, egg or bean based burritos, sous vide eggs (which is like a contained poached egg with a few additions like cheese, green onion and sausage) and then we have various scones, croissants, cookies and other baked goodies. We also sell a drink made with orange peel and at the recommendation of a coworker I've begun taking the orange home instead of composting it at night. So in addition to cash tips (I average about $40 per day) I'm also bringing home about $30-$50 of food and I'll freeze everything except the sous vide eggs. Of course I also get coffee. I get two espresso drinks (any size and style) and free drip coffee per shift. I usually drink the drip and give the espresso drinks to my husband and my son. Since the store is in our neighborhood, it's just a 2 minute drive or 15 minute walk.
Oh and once a month we can take home a free bag of beans.
I was stressed out the first month learning everything, but it's not hard and my body has adapted to the specific movements of pulling shots. It's not much more effort than being the check out person at Costco which are often retirement-age. Sometimes you have to lift 10 lb bins of coffee and 6 pack of alternate milks. I do free youtube workouts on a channel called Fitness with PJ. She's oriented to women in their 40's, 50's and above (she's over 50 herself) and she has you lifting about that weight (or a lot more!).
Good shoes for standing is really important. My Sketchers from Costco work well.
Quote:
Originally Posted by matisse12
You're only age 43 though! So your work situation and other situations do not really apply to many other retirees.....
"Never thought I would say this but at 43 I experience chronic pain and joint aches that (already) affect my mobility. It started in my early 30's. A PT told me my ligaments are loose and I will have to keep my muscles, especially core, strong if I want to avoid falls and hip fractures as I age. I need to get on that now and not put it off another decade (or two).
I think there is more to it. I think in the least I've got fibromyalgia. Mom had it along with connective tissue disorder (rheumatic ailment)."
Quote:
Originally Posted by flyingsaucermom
Thanks to people like Mr. Money Mustache, Paula Pant and Frugalwoods there are quite a number of early retirees and financially independent but working. I don't know how many exactly, but given the popularity of the FIRE movement over the last decade I imagine there are now several hundred of thousands of us.
You walked dogs to make money and for work, and now you work in a coffee shop. You lost your dog walking job to Covid conditions. (your words) You walked dogs to make money and for work, and you said dog walking dried up because of the pandemic, so now you're working in a coffee shop and are 43.
Quote:
Originally Posted by flyingsaucermom
It's like when I lost my job due to Covid I took it personally...
Quote:
Originally Posted by flyingsaucermom
I had expected to keep working until 45+. Covid killed my industry (dog walking) at 41. I'm hobby farming instead (currently beekeeping). I like much better and if I get really good at it I can start selling honey. I've already been asked to teach informational sessions with a local farming group.
Maybe I'm "retired" or I'm just changing industries...
Quote:
Originally Posted by flyingsaucermom
I used to get paid for taking care of animals. I had the lowest rates in town because I wasn't relying on the income and knew it would make me more attractive to clients (and their pets!). most of the time I was very, very happy with what I was doing with my time
Quote:
Originally Posted by flyingsaucermom
I'm also struggling, but I can't figure out what it is. I get overwhelmed by the amount of work the property "needs". I put needs in quotations because we bought it from an 80+ year old that hadn't done anything in probably 15 years. So if there is pressure for me to improve it, it's all coming from me.... the property won't fall apart from going another year or two as-is (except for cutting the grass and killing the moss).
I'm not worried about money as much as if we can really handle the work. My husband is working more than ever and now youth sports are starting up and I'm just drifting through the day without feeling like I have a good hold on anything.
I might decide it's just too much and sell on that basis, but that would make me very sad because I really love the concept. Timing might not be right. I am giving it a full year.
Last edited by matisse12; 02-11-2022 at 11:29 PM..
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You walked dogs to make money and for work, and now you work in a coffee shop. You lost your dog walking job to Covid conditions. (your words) You walked dogs to make money and for work, and you said dog walking dried up because of the pandemic, so now you're working in a coffee shop and are 43.
Again... What are they, and how do they work? Or I suppose I could Google it.
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