No. of Recommendations: 7
Let me try and be clear.

Timing is everything is your financial plan. You retire and all of a sudden you are in a bear market. It wasn't at all clear to me that any of my accounts would make their goals.

9/11, Katrina, hurricanes, earthquakes, tornados. Events you can't control that can drastically change your spending or your income stream.

There were events that I spent money on that were never part of past spending. I never thought I would have to spend money on my parents, for example.

Just the little things.
the dollar to euro fell and I went to Europe twice anyway and for big long trips. I didn't cut those short just because they were more expensive.

My plan had my car lasting a whole lot longer then it did, piece of junk blazer. What I didn't realize that I was no longer just driving to work, I was driving across the country. I didn't know at the time how much I would enjoy the big road trips.

Speaking of part time jobs. I did a little of that for awhile but I gave it up. What I missed was the social interaction, not the additional income. I was doing it to get out of the house. I do just a little volunteer work now. Found some seniors who need a little help now and then.

The reason I had contacted a FA was to have him double check my retirement plan I developed while hanging out on the RE board. Sort of a second opinion on a pretty big financial step. We didn't have a continuing relationship.

I certainly wouldn't call my early retirement rocky. It has had some surprises, good and bad. I can certainly live on my pension, I just would prefer to have more income, while I am still a young 59.

The trouble with retiring early is what you decide is recreation can change and you spend money in a way you never did before.

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