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Question for retirees and those that are close

It's all going to depend on where our kids end up.

Personally I'd prefer to retire in MN or WI because I plan on fishing a lot in retirement.

But there's zero chance my kids will be there so I'm sure I'll be stuck in Iowa.

Hopefully by some good water.

Not sure when retirement is, only that it's going to be early. I'm currently 48.

Oldest is pretty much on her own right now. Middle is in college. Youngest in high school. Need to get the youngest out of college before anything slows down.

Kids are incredibly expensive. But I guess worth it. :)
 
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So here's what everyone fails to understand. There's midwest hot, and then there's Florida hot. One is nothing like the other, and the worst part of it is that you're going down there for outside activities. I lived in Tampa for 3 years and liked to golf. I didn't swing a golf club from June-August the entire time I lived down there. Time of day doesn't matter. Too ****ing hot.
I feel like Dany in GOT when seeing the undead horde for the first time: you have to see it to know. and now I know.
 
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Had a meeting with our advisor guy a few weeks ago. Said on our current tack we could retire at 58, which is about when the youngest gets done with college.

Kind of threw me, it’s about 15 years from now. But my oldest is 14, and that time has flown, so it’ll be here before I know it I’m sure.
 
We're probably close to 10 years to retiring but we will move as soon as my parents do. Kids are in college and the house is over 3000sqft. Ready to downsize to someplace cooler.
My mom keeps threatening to move to an assisted living place near my brother. We can't move until they decide to.
This summer we're looking at renting an AirBnB somewhere cooler for the month of August. Work during the days and fish in the evenings.
 
We're probably close to 10 years to retiring but we will move as soon as my parents do. Kids are in college and the house is over 3000sqft. Ready to downsize to someplace cooler.
My mom keeps threatening to move to an assisted living place near my brother. We can't move until they decide to.
This summer we're looking at renting an AirBnB somewhere cooler for the month of August. Work during the days and fish in the evenings.
We are in an opposite situation. My parents are in their 80s and despite my urging to relocate near me or my brother on the east coast, they have elected to buy into a Pinehurst retirement community with graduated care. My dad's physical health is failing faster than my mom's, and it is frustrating when they have incidents where he falls and then neither my brother nor I are around to do anything about it. Not sure what can be done about that.
 
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A bit tardy for this party, but here goes.

Wife is retiring in a year, I'm probably more like 6-10 years out. I Love what I do.

Not planning to move. Our house is close to being paid off, all of our friends are nearby, and we like our area.

I fear that if we moved we'd soon regret it.
 
We are in an opposite situation. My parents are in their 80s and despite my urging to relocate near me or my brother on the east coast, they have elected to buy into a Pinehurst retirement community with graduated care. My dad's physical health is failing faster than my mom's, and it is frustrating when they have incidents where he falls and then neither my brother nor I are around to do anything about it. Not sure what can be done about that.
Yeah, my dad is ruining my mom's health. He refuses to use a walker and leans on her a lot. Doesn't do his PT, eats poorly.
She got an ulcer this winter. Partially due to too much advil from her knee surgery, but a large part to the stress he puts on her.
She wants to move to assisted care just to get a break during the days.
 
Wife is retiring in a year, I'm probably more like 6-10 years out. I Love what I do.

You don't think it will be hard to go to work while your wife stays home enjoying retirement?

For me it would be difficult.

I think my wife would hate me if I stayed home and watched her leave for work. LOL
 
Okay boomer, LOL.

Retirement is still a few years away with plans to spend each winter taking a trip to anywhere in the world we want to see but spending most of the year at our home base in IC where most of our family is now. That could change but we’re flexible in that regard.
This. plan to travel for a few months to a different place each winter but keep him base in Iowa.
 
You don't think it will be hard to go to work while your wife stays home enjoying retirement?

For me it would be difficult.

I think my wife would hate me if I stayed home and watched her leave for work. LOL
I think it will be an adjustment, for sure. That said, it's been our plan all along. She's had a 30-plus year career as a public servant and her retirement date has been a bullseye on the calendar for awhile now.
 
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In Eastern Iowa now, but have had conversations about moving to places from Nevada-Arizona-Colorado-Texas. I have lived in all of those at one time except Nevada. Wife has never lived outside the state. Our youngest is about 10 years from finishing HS. Our folks all live in the state and in their mid-70s. Our thought was in about 10 years head southwest... but doing so leaves behind everyone we know. Not sure if we will ever leave if push comes to shove or if the pull of being where we have been will be too strong.
 
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My wife is very conservative, not politically but lifestyle and wouldn’t want to move. I could see us as half time campers where we go out for a couple months at a time. I am 58 and will retire at 62. Wife a year earlier also at 62.

Very much dependent on IPERS not getting screwed up.
 
We have been to Sandestin before and I did not particularly care for it. The beaches were pristine and beautiful, but they were jam packed with Texans and Louisianans. Not our cup of tea.
Rented a house there two years ago at Sandestine Golf and Resort. Definitely busy.
 
Yes, that is where we stayed, but in a condo. The area in/by the resort with all of the restaurants had a bit of a fake feel to it, but it was fun. Overall it was fine - just not where I would allocate future resources.
Kind of its own community. About time to leave when I figured everything out. Liked being able to use golf cart to go everywhere.
 
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So here's what everyone fails to understand. There's midwest hot, and then there's Florida hot. One is nothing like the other, and the worst part of it is that you're going down there for outside activities. I lived in Tampa for 3 years and liked to golf. I didn't swing a golf club from June-August the entire time I lived down there. Time of day doesn't matter. Too ****ing hot.
My oldest son who lives in Austin TX and who is known for wearing hoodies and jeans in the dead of summer echoed the same opinions after attending a wedding in Florida a couple of summers ago. Completely different type of heat and misery than he was accustomed to.
 
I live 14 minutes from the ocean but it’s just not a draw for me. It’s not uncommon among us locals although about 2-3 times a year I enjoy a walk along the beach at sunset.
I actually do like the Panhandle beaches more than the Atlantic (except for New Smyrna Beach) and even though Destin is overcrowded I really like it there. If only I could afford it. 🫤
Yep...our place is at Carrabelle beach. Half block off the water. Look forward to evening walks on the beach. Plus it's a big fishing location and I'm big into fishing.
 
My oldest son who lives in Austin TX and who is known for wearing hoodies and jeans in the dead of summer echoed the same opinions after attending a wedding in Florida a couple of summers ago. Completely different type of heat and misery than he was accustomed to.
I don't know if it was just the year, but I was in Wichita Falls for a couple of months TDY in the USAF circa 1998 or so. It was hotter than Florida. Like every day it was at least 102, with many days getting up to 107 or so. At night it would get down to the upper 80s, and then crank back up again at dawn. Every night the local news would run stories on brown recluses and such fleeing the heat and trying to get into houses, and to beware of them. And that was the best part of being in Wichita Falls. Just a miserable place with no redeeming qualities.
 
So here's what everyone fails to understand. There's midwest hot, and then there's Florida hot. One is nothing like the other, and the worst part of it is that you're going down there for outside activities. I lived in Tampa for 3 years and liked to golf. I didn't swing a golf club from June-August the entire time I lived down there. Time of day doesn't matter. Too ****ing hot.

I lived in Houston for five years, and that was my experience. In March we would go to the pool every day and enjoy the outdoors. By May it was too hot to do anything outdoors. Then around October we could go back out.

We will stay here in Delaware, but I would like to spend a month or two in Aruba after the holidays every year.
 
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We have been to Sandestin before and I did not particularly care for it. The beaches were pristine and beautiful, but they were jam packed with Texans and Louisianans. Not our cup of tea.
Maybe it was a timing thing? The beach we were at was huge with relatively few people.
 
I don't know if it was just the year, but I was in Wichita Falls for a couple of months TDY in the USAF circa 1998 or so. It was hotter than Florida. Like every day it was at least 102, with many days getting up to 107 or so. At night it would get down to the upper 80s, and then crank back up again at dawn. Every night the local news would run stories on brown recluses and such fleeing the heat and trying to get into houses, and to beware of them. And that was the best part of being in Wichita Falls. Just a miserable place with no redeeming qualities.
Sounds like St Louis. Hotter than FL in the summer, no breeze at all, no trees contribute to the misery.
 
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My parents lived in charlotte and had a condo in pinehurst. Retired and sold their place in charlotte. Pinehurst is a great community for retirees if you are at least a social member of the clubs. Great food at 1/2 price for residents via some deal they have. They almost never have to cook. It is a benefit they have with all of the golfers constantly there paying full boat on vacation. If NC is in your sights I would check out pinehurst, even if you don’t golf.
One of my best friends, his grandparents retired at Pinehurst and I often heard the same. They loved it.
 
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Sounds like St Louis. Hotter than FL in the summer, no breeze at all, no trees contribute to the misery.
We have family in STL and I have been there a lot. It gets hot in the summer but it's a whole different category of misery south of Misery and south of Oklahoma.
 
Did you move, or do plan to move when you retire? And why or why not?
We are retired for a few years but not moving. My wife wants or needs to be close to her sister and brother who she helps (without getting in to it). We moved back here 40 years ago because she wanted to be by her family and they talked and still talk a lot together.

Our kids live 4 hours away driving and 4 hours away flying. I would rather maybe have a couple of small houses in each area they live in and split the time between them. Seattle area during the winter and spring and then Iowa during the summer and winter. but my wife has way too much stuff to even think about getting rid of and moving.

Signed stuck in Des Moines. Dont get me wrong, I was born in Des Moines like my wife and I have brothers and sisters and a lot of relatives and friends here but you can only watch your grandkids and kids go through life one time.
 
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I don't know if it was just the year, but I was in Wichita Falls for a couple of months TDY in the USAF circa 1998 or so. It was hotter than Florida. Like every day it was at least 102, with many days getting up to 107 or so. At night it would get down to the upper 80s, and then crank back up again at dawn. Every night the local news would run stories on brown recluses and such fleeing the heat and trying to get into houses, and to beware of them. And that was the best part of being in Wichita Falls. Just a miserable place with no redeeming qualities.
Wichita Falls used to have the Hotter Than Hell Bike Race too IIRC.

Not a single redeeming factor in that town.
And brown recluse spiders are a thing in Texas. I was bitten by one.
 
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We're doing the opposite of most and moved from Nebraska to Colorado. Reason number 1 is of course, Nebraska sucks. Colorado is beautiful, even in winter has mostly amazing weather, lots to do, and low property taxes. We moved away from our kids but the reason for this is mostly that our kids want to move to Colorado too. If we are already there it makes it easier for them to take the leap. And if not, we live in a place that they want to visit and can send our grandbabies to us for a few weeks every summer. It has been stressful but mostly because we tried to rush the process. So don't do that. Like someone else said, be patient and do your due diligence if you're building. I'm still very happy that we made the move and love everything about our new town but I do wish we had waited for the original builder we were going to go with, even if it set everything back by a year. It is taking that long anyway.
 
Wichita Falls used to have the Hotter Than Hell Bike Race too IIRC.

Not a single redeeming factor in that town.
And brown recluse spiders are a thing in Texas. I was bitten by one.
I had a friend in Texas get bit by a brown recluse. Ended up with a hole the size of a golf ball in his gluteus maximus.
 
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