u/ParticularMost6100

I retired this summer at nearly 64 and already I find tapping into my savings uncomfortable and disorienting. My financial advisor has told me that, if I live within the plan she built for me, it's likely my funds will take me through the rest of my life (95+) with a bit left over for my daughter when I'm gone.

On the one hand, with all the travel and experiences I would like to include in my early retirement years, I'm afraid of overspending over the next few years (despite my planners assurances that it's very common to do this during the "go-go" phase of retirement).

On the other hand, even if I could make it until 95, I'm not sure I would want to - based on my personal experience, it seems that life gets a whole lot less fun after around 85. I kind of like the idea of planning my exit strategy proactively and going to Switzerland when the wheels are starting to come off - or if ever I'm down to my last $40k.

Moreover, with the state of the world, the environment and the geopolitical mayhem happening everywhere, I feel a strong temptation to have a ball now and not worry so much about saving for my 90s, because who really knows what the next couple of decades will bring?

Anyone else wrestling with these existential issues in retirement? Would love your perspectives!

I (F63) retired a few weeks ago and, after more than 40 years of the corporate grind, it’s everything I ever dreamed of. It’s summer where we are, so I’ve spent a lot of time lounging at the pool, listening to novels on Audible and generally re-energizing after the last few grueling years of my career. My husband, who owns his own business and will likely never retire, seems eager to make the most of my “extra time” with requests for me to take on administrative tasks he previously handled for himself (go to the post office, call his friend to arrange a couples outing, etc.). I’m pushing back but maybe I’m being a jerk? I feel like I worked hard for this leisure time and I also really need it - plus, as a boss, I’d never want to work for him, lol. Any ladies with experience in this area and, if so, what advice would you offer me?

UPDATED TO ADD: This is a second marriage for both of us and our finances and family matters are totally separate. He has had no hand in funding my retirement and I do not benefit from his business.

Just, the best.

It increasingly appears that my husband (M, 60s) of less than a year has long COVID, with symptoms presenting with greater frequency and intensity since January. His vertigo is especially bad, although fatigue and brain fog also are significant issues. I feel so bad for him - previously, his vitality and zest for life distinguished him, and now he’s struggling to live the life he’s built for himself. As a partner, I want to provide the best possible support - so, for those who have been on this journey for a while, what advice can you share for me?