FabGuys.com forum: Retire at 62

By *DPhoebe1969 OP TV/TS
3 weeks ago

Gloucester

I hadn't thought about this before until this year, after my Dad passed away.

I've recently been doing some number-crunching, and it seems I can retire in 3 years with part-time work for the following, based on my pension pot and savings, plus owning a house with a paid-off mortgage. All this before the state pension, and living a comfortable life.

To me, that's a no-brainer; I've got to do it and want to before time runs out.

Plus, I will have free time to play away and have cock fun 😁

What do others think 🤔

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By *opbeer2Man
3 weeks ago

Haverhill

Sounds like a good plan to me

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By *it FingerMan
3 weeks ago

Barnstaple

I retired 18 months early. I had enough in savings and a private pension to tie me over. Life is good!

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By *ndyBristolMan
3 weeks ago

Keynsham

If the numbers work then you should go for it.

I always planned to retire at 60 thanks to a private pension but covid happened when I was 59, work stopped so I stopped a year earlier than expected.

I have hobbies to keep me busy and it's great.

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By *etterbiggerMan
3 weeks ago

Scunthorpe

I did the same number crunching. The result was the same. Pack in work. I did and don't regret it for a second. My life and my time are my own, well mostly

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By *hyguy62Man
3 weeks ago

Brentwood

I often thought it would be nice to retire early. But mine came earlier than expected due to medical issues and I’m a full time caregiver for my wife now so in effect my life is a lot harder. Hardly any free time to play 🙁😂😘

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By *Bbottom123Man
3 weeks ago

Leicester

Do it working all your life is a scam. I really feel sorry for the people who can't afford to retire and have to work until they drop

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By *astcoastspankMan
3 weeks ago

Lowestoft

Absolutely a good idea, I retired early and don't regret it at all.

I took a little part time job to keep busy a couple of mornings a week.

I didn't know that Ill health was just around the corner (2 years ago)

But I lived Well and enjoyed my life. I can still enjoy doing things now, it just requires a little planning.

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By *DPhoebe1969 OP TV/TS
3 weeks ago

Gloucester

Thanks for all your comments.

I meant to say, I work full-time until I'm 60, and part-time until 62 lol

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By *aciallover5Man
3 weeks ago

shrewsbury

Do things while you can. Material things are nothing memories last

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By *DPhoebe1969 OP TV/TS
3 weeks ago

Gloucester

"I often thought it would be nice to retire early. But mine came earlier than expected due to medical issues and I’m a full time caregiver for my wife now so in effect my life is a lot harder. Hardly any free time to play 🙁😂😘"

Sorry to hear 😞

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By *KBottom25Man
3 weeks ago

London

Wow. Congratulations being so savvy. Good for you. Nice to enjoy life!

I'm still working.. I guess not ready yet. Some time to go to save enough

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By *ugarrainMan
3 weeks ago

paisley

Retired at 48.

Never regretted it.

Never met someone that complained they wished they had retired later, almost everyone regrets not retiring earlier.

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By *-skinMan
3 weeks ago

Weymouth

Go for it live life you never know.

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By *ax_glasscotMan
3 weeks ago

glasgow

"Retired at 48.

Never regretted it.

Never met someone that complained they wished they had retired later, almost everyone regrets not retiring earlier."

100%. Retire as early as you can. Life is too short.

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By *ittlefishMan
3 weeks ago

Im here

Semi retired now … 58

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By *ildwestheroMan
3 weeks ago

Llandrindod Wells

Never really thought about retiring. Had originally thought I would carry on until at least 70 even if in a scaled back capacity. I was advised to retire because of health issues even though I felt fit enough to carry on. Initially hated it but now glad I did

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By *DPhoebe1969 OP TV/TS
3 weeks ago

Gloucester

Much appreciated with the comments

There are a lot of you out there who are enjoying retirement, and it sounds good

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By *ryme678Man
3 weeks ago

Bury

I definitely think that is the way ahead xx

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By *ady CharlotteTV/TS
3 weeks ago

staffordshire

i have the option to retire now at 53, and im close! being bored worries me, so if you have enough to keep you occupied, and as others say the numbers work, do it x

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By *owerplay823Man
3 weeks ago

Lewes

I hope to retire earlier

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By *mandaWhenDressedMan
3 weeks ago

around

remember sitting in a room when I was just 16 being told about retirement in 2035. it did all seem such a long way away back then.

All in the timing now and trying to work out how much we actually need.

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By *IPMANMan
3 weeks ago

West London

I was laid off with a fairly good deal at 45.

In those days I could claim dole for a year. Then I lived off my own investment income, claimed my company pension early (reduced) and eventually a state pension.

OK my life style took a slight hit, but 3 holidays a year and no boss.... I never did upgrade my house but so what

If I die tomorrow the state gets 40% so I do what I like and fuck anyone else

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By *fcdTV/TS
3 weeks ago

Southend

I retired at 60. It was a little later than planned but divorce took a chunk of the pension although the tax rules around putting more in helped enormously rebuilding it. Don't forget expenses that you only incur working which in my case was suits, trains, commuting etc. I've actually found I ended up with more than I really needed so I've been building up a bit of cash for when the stock market goes loopy like it has a few times when Trump has been playing silly buggers. That allowed me to cut right back on withdrawals until it recovered.

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By *hino nealMan
3 weeks ago

neath

I retired at 55 after 42 years, my company pension was available so I spent 6 years renovating my house then I had a job offer that I simply couldn’t refuse, did that for 12 months and when the company started playing silly buggers with my contract I left.

Spent a few years enjoying life and another opportunity came up, so did that for 6 months then Covid hit, that was it and now 5 years later I’m living a good life, couple of holidays a year and my hobbies keep me occupied.

I’ve seen too many people retire and die within 2 years, if you can get out and enjoy what little time you have left while you’re fit enough

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By *EE96Man
3 weeks ago

Folkestone

I packed up at 62. Don't miss it at all.

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By *ulge2Man
3 weeks ago

Edinburgh

Took early retirement and am loving every minute of it

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By *he Full 100Man
3 weeks ago

South West

Depends what you do, and whether you enjoy it. I have colleagues still going strong in their 70s. One former member of staff kept working right up till he died at 92. But I know others who can't wait to retire.

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By *manMan
3 weeks ago

wiltshire near stapleford

I retired at 52, not my choice at the time, due to chronic health condition. Initially it was very stressful, and I was severely depressed. But we where able to pay off the mortgage, life insurance payment as it's life shortening condition. With my pension pot, other pensions,PIP allowance and wife's pension, we survive. Not loaded but not struggling day to day. Cock fun is rare these days, even though I spend a couple of days a week alone!

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By *MZ10458Man
3 weeks ago

rotherham

Its a good idea

But have things to do ,and hobbies

Getting out and meeting folk

Winter can be a long lonely time

There are two chairs that will kill you, ones the electric chair, the other is the arm chair

Meant with respect

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By *MZ10458Man
3 weeks ago

rotherham

Its a good idea

But have things to do ,and hobbies

Getting out and meeting folk

Winter can be a long lonely time

There are two chairs that will kill you, ones the electric chair, the other is the arm chair

Meant with respect

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By *ildwestheroMan
3 weeks ago

Llandrindod Wells

If you do retire make sure you have plenty to do. Hobbies, projects etc. I had just bought a new home with a large garden that was a total wilderness. Retired at the end of March so fairly good weather and got stuck into chopping back brambles, trimming unruly hedges. getting rid rid of a stinking stagnant fish pond etc. Also caught up with loads of old TV programmes that I had missed over the years through work. Also tried to involve myself in LGBT groups though sadly that was a bit of a failure.

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By *inaCD66TV/TS
3 weeks ago

Wimbledon

Im at this moment number crunching at 60 to retire asap as company getting rid now.

Worked out that even though been working 44 years. The life time annuity of all my pension pots would only pay appx 400 a week. !!!

So savings or sell and downsize is only option as the cost of living dwafts what would be paid.

Pickle 🤔🤔🤔

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By *rytonTV/TS
3 weeks ago

Chatham

Im 56, I own outright my 4 bed house in the southeast. Last child is moving out today, heck im thinking of selling up and moving north to a property half the price. And live off the proceeds

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By *ustOneBearMan
3 weeks ago

Neath

I retired in Jan. I am not rich but I’m not working a job that I had grown to dislike. My husband died at 64. He retired a few months before his diagnosis.

Why work until you collapse? If you can do it.

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By *ubtitsMan
3 weeks ago

hyde

Well retired now and can recommend it, time taken up looking after grandkids now and it's brilliant it's so rewarding.

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By *usie_XDTV/TS
3 weeks ago

Plymouth

Just like youth is wasted on the young, retirement is wasted on the old!

One of my staff is not long retired and was terrified of what he'd do all day. Working had become his entire personality.

I've got more projects and hobbies than time and money to do them. My job is an unpleasant necessity that allows me to do cool stuff - but not as often as I'd like!

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By *idingcockMan
3 weeks ago

Driffield

I retired at 55 and never regretted it. I’d got fed up with managers younger than me and their bright ideas to try and make a name for themselves. Great to get off the hamster wheel!

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By *poolBiTopMan
3 weeks ago

Liverpool

Do it. Spend more time with family, friends too.

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By *oungWantedMan
3 weeks ago

Newcastle - Throckley

Age I retired

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By *ndieguyMan
3 weeks ago

Near Gainsborough

[Removed by poster at 26/06/26 15:39:01]

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By *ayhubbyMan
3 weeks ago

liverpool

Do it … you can’t get time back - grabbed vol redundancy pay off and sipped my pension to start taking at 55 coast over to getting state pension at 67 - 58 and never looked back

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By *ndieguyMan
3 weeks ago

Near Gainsborough

I had the chance to finish at 52, grabbed the $$'s and run. Never looked back!

Go for it, I cant recommend enough.

Just one thing - Keep busy and plan loads of things to do with your time.

I worked on the railway and kept our free travel, win win.

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By *rancd2TV/TS
3 weeks ago

Wolverhampton

I ‘retired’ in my mid 40s and hated it.

Bought a house in the countryside and everyone thought I was set. Loads of spare time, but no one my age to relate to who could do the same, and no friends or family near either.

Sold the house, moved back home, went back to work and was much happier.

Working because I want to, rather than because I have to is a completely different way of life.

I could easily retire again tomorrow with no worries, the other half has done so.

Kids have almost all moved out now, and I’ve bought them all houses to help them, just the youngest left now, and I’ll do the same for her, but I seriously doubt I will ever completely retire until my body forces me to.

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By *edic 01Man
3 weeks ago

Bedworth

Early as you can or go part time quality time is very short very few males fit after 66 from my vast medical experience

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By *ike B W3Man
3 weeks ago

london

[Removed by poster at 26/06/26 15:46:27]

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By *ike B W3Man
3 weeks ago

london

I was very lucky, retired at 60 (now 76) with a private pension, did a little part time work when it suited.

Now I volunteer for two cancer charities couple days a week to keep me in touch and give me something to do.

Also travel the world which I enjoy.

Work life was great, retirement is great.

No regrets I've had the best life

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By *ike B W3Man
3 weeks ago

london

[Removed by poster at 26/06/26 15:49:12]

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By *ike B W3Man
3 weeks ago

london

"Early as you can or go part time quality time is very short very few males fit after 66 from my vast medical experience "

Wow, what a generalisation!

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By *udekeithMan
3 weeks ago

Barrow upon Soar

I was offered, and took, a redundancy/early retirement package at 60. Sold the house, furniture, car and everything else. Bought a narrowboat and campervan. Now life is one long holiday and I don’t regret one minute of it.

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By *inaCD66TV/TS
3 weeks ago

Wimbledon

"I was offered, and took, a redundancy/early retirement package at 60. Sold the house, furniture, car and everything else. Bought a narrowboat and campervan. Now life is one long holiday and I don’t regret one minute of it."

Lucky but well done 👍👍

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By *hubby62aMan
3 weeks ago

Pontefract

I retired at 61. After the doctor warned me I wouldnt make 65 my planned age. Too much stress pressure and not enough down time.

I dont regret it. Work part time now. Just a couple of days a week. Best of both worlds. No money worries, no stress, and Im back to being fairly fit.

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By *rTee69Man
3 weeks ago

"Do it … you can’t get time back - grabbed vol redundancy pay off and sipped my pension to start taking at 55 coast over to getting state pension at 67 - 58 and never looked back"

But your profile says youre 51?

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By *rTee69Man
3 weeks ago

[Removed by poster at 26/06/26 19:42:20]

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By *ilthy tracy300Man
3 weeks ago

lancashire

The government wants you to work til you drop dead ,so you don't draw a pension ,

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By *ugged NorthernerMan
3 weeks ago

North East

Not a cat in hells chance I’ll live to see retirement I’ll be long gone before then.

Mind l I don’t blame anyone retiring early in fact I’d urge anyone to do it as life is too short so if you can afford it do it 👍

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By *lueshirt1Man
3 weeks ago

Berwick upon Tweed/East lothian/Edinburgh

I have to say employer gold plated pensions are a fabulous thing. Retired now at 58, worked since 16, late rise in the morning, leisurely breakfasts, no cramming everything into a weekend, time for auctions and Ebay, making a fortune, a few days out with luxury coach trips to nice places. Helping a friend with their caravan park cutting grass., helping in the site shop, showing people to their pitches. Life is good. Never go to a job unless their pension is gold plated otherwise you will work till 68 and be knackered.

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By *inaCD66TV/TS
3 weeks ago

Wimbledon

What do you mean by gold plated ?

I got 3 company pensions...still aint enough...

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By *lay1500Man
3 weeks ago

Chillington outside Kingsbridge

Retired at 60 and living the life. No regrets at all

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By *earlyrichTV/TS
3 weeks ago

Somewhere in time

I was made redundant at the age of 59ish. With a little more careful spending I decided I could retire...Haven't regretted it yet. I appreciate others may not be as lucky (or as boring) as me. But I was surprised at the amount of money I spend a year

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By *ubsteffTV/TS
3 weeks ago

Portsmouth

I’ve got enough money in my pension to last the rest of my life. Providing, I die by next Thursday.

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By *-skinMan
3 weeks ago

Weymouth

My nest account has enough in it to buy a mars bar once a week.lol

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By *ay_ThinkingGuyMan
3 weeks ago

Gt Yarmouth

I got cheesed off with working. I was asked to leave a company (who'd spent a year headhunting me) after 3 months. Technically, I was right there but I was happy to disagree with explanations and suggestions to do things that worked. This didn't go down well.

Anyway, after spending a few months moping, I realised I'd got nearly £250k tucked away in various pensions from a dozen jobs - so I decided to retire.

It's fabulous. Best thing ever. You hardly need anything to live reasonably well, and a state pension (hopefully) in ten years time will do just nicely.

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By *inaCD66TV/TS
3 weeks ago

Wimbledon

"I got cheesed off with working. I was asked to leave a company (who'd spent a year headhunting me) after 3 months. Technically, I was right there but I was happy to disagree with explanations and suggestions to do things that worked. This didn't go down well.

Anyway, after spending a few months moping, I realised I'd got nearly £250k tucked away in various pensions from a dozen jobs - so I decided to retire.

It's fabulous. Best thing ever. You hardly need anything to live reasonably well, and a state pension (hopefully) in ten years time will do just nicely."

Really is 250k enough after they take tax .. if your planning to make it last for 10 years ? ..

Im looking at annuity buying on mine and the returns are not great on 450k.

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By *assandra CrossingTV/TS
3 weeks ago

south bristol

I went semi retired back in 2018 . Did the number crunching before I did so . 55 now . Obviously no one could predict all the shenanigans of cost of living from lettuce liz onwards then russias invasion. . Was tough but also new mortgage was near the end & since last sep paid off which helped . Fairly ok but not rich

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By *ugged NorthernerMan
3 weeks ago

North East

My partner is retiring early in August due to the stress her job brings her and i for one fully support her as life is too short and you should be able at least have some years ahead of you without worrying about work

Health etc etc is far more important than any job because i guarantee you to a employer you are just a number that they would replace in a heartbeat

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By *amie2018cMan
3 weeks ago

N Cambs, W Norf

I’m 62 now. Perhaps in 2 yrs. realistically what with the instability caused by Trump. Mortgage paid off in 2019 , have a small annuity ( oh Matron ) job is stressful at times

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By *mmabluTV/TS
3 weeks ago

wirral

"I hadn't thought about this before until this year, after my Dad passed away.

To me, that's a no-brainer; I've got to do it and want to before time runs out.

Plus, I will have free time to play away and have cock fun 😁

What do others think 🤔 "
Yes definitely

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By *arrheadguyMan
3 weeks ago

barrhead

I retired at 55 (private pension). Enjoyed the next 5 years. Got a part time job at 60, state pension at 65. Now my time is my own.

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By *onghMan
3 weeks ago

Cardiff

I was 52. Best decision I've ever made. If the numbers work, do it. To quote Robert Browning: Who knows but the world may end tonight.

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By *moother1Man
3 weeks ago

Port Talbot

Retired at 57 got fed up of 36 hour working days, but now as a photographer I still choose a few jobs to keep me occupied, but don’t need to work really. Enough saved and invested to last me until the private and state pension kicks in. Now it’s about life which is for living, travel a lot and slowly ticking off all the bucket list destinations. Moved to Wales 5 years ago, beautiful scenery, nice people, 10 mins from the beach, house just about renovated and fully upgraded. No mortgage. No debt. I’ve worked my butt off to get to this so intend to bloody well enjoy it.

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By *ugged NorthernerMan
3 weeks ago

North East

"I was 52. Best decision I've ever made. If the numbers work, do it. To quote Robert Browning: Who knows but the world may end tonight."

Exactly 👍

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By *lueoscarMan
3 weeks ago

alfreton/chesterfield

I am 65 next month, the end of July, there are many days i keep saying i am finishing and its I'm not doing this bloody job till I'm 67 then order days its oh I'll stick it out a bit longer really torn at what to do. I think its the fear of will I be able to manage financially. I know I cant have my cake and eat it but I dont really want to be living off my savings for the next 2 years I've got plans for that, i just wished they'd kept the retirement age at 65. Are there other guys that are the same boat as me sort of fearing the unknown as it were?

It would make more sense for us to retire at 65 give the younger people a chance to have a job

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By *idingcockMan
3 weeks ago

Driffield

Anyway, after spending a few months moping, I realised I'd got nearly £250k tucked away in various pensions from a dozen jobs - so I decided to retire.

It's fabulous. Best thing ever. You hardly need anything to live reasonably well, and a state pension (hopefully) in ten years time will do just nicely.

Really is 250k enough after they take tax .. if your planning to make it last for 10 years ? ..

Im looking at annuity buying on mine and the returns are not great on 450k. "

You still get the personal tax allowance so not all of the annual drawdown is taxable, depends on your other income of course.

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By *urvMan
3 weeks ago

christchurch Dorset

They will sting you with tax

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By *inaCD66TV/TS
3 weeks ago

Wimbledon

"They will sting you with tax "

Before buying an annuity or taking drawdown, you can generally withdraw up to 25% of your pension pot entirely tax-free.

After that the monthly income is taxed up to 20% , unless you are bringing in over 50K on your annuity.

Good luck to those bringing in 50k + on a pension each year for life 😙

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By *V ShazTV/TS
3 weeks ago

Haydock

[Removed by poster at 27/06/26 19:33:47]

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By *DC2000Man
3 weeks ago

Coningsby

If you've seriously worked out what you'll receive and it's covering everything and more, tax taken into consideration, then do it. I did and thousands of others have.

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By *aciallover5Man
3 weeks ago

shrewsbury

If you don’t like retirement you can go for a little job that you enjoy and if you don’t like it find something else

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By *ral b..Man
3 weeks ago

"Its a good idea

But have things to do ,and hobbies

Getting out and meeting folk

Winter can be a long lonely time

There are two chairs that will kill you, ones the electric chair, the other is the arm chair

Meant with respect"
..

Love the armchair quote...

might change it slightly to

" Arm chairs kill more pensioners than electric chairs"

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By *ISTERiousMan
3 weeks ago

Trimdon

"I hadn't thought about this before until this year, after my Dad passed away.

To me, that's a no-brainer; I've got to do it and want to before time runs out.

Plus, I will have free time to play away and have cock fun 😁

What do others think 🤔 "

Do it. I did last year and my health has vastly improved.

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By *iderbyMan
3 weeks ago

Derby

I did it, I don’t call it retirement, more like freedom from work ! If anyone’s thinking about it, don’t leave it till it’s too late, make the most of your life and do things you want to do, cos you age related problems hit you like a run away snowball sooner than you think !!

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By *ugged NorthernerMan
3 weeks ago

North East

"I did it, I don’t call it retirement, more like freedom from work ! If anyone’s thinking about it, don’t leave it till it’s too late, make the most of your life and do things you want to do, cos you age related problems hit you like a run away snowball sooner than you think !!"

Exactly 👍

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By *eliaTVTV/TS
3 weeks ago

Doncaster

I took early retirement and spent more time dressed than in male mode. Loved it.

Celia was out from first thing in the morning to bedtime. Wife quite enjoyed having a girlie friend about the house.

One thing was evident, doing housework while dressed was a most pleasant chore. Even toilet cleaning!

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By *ichardbyronMan
2 weeks ago

Ludham

I retired at 62, no stress, no routine, no pressure. I’ve now more money in the bank and investments than ever and I have sex more often than ever!

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By *ichey6Man
2 weeks ago

aberdeen

[Removed by poster at 28/06/26 00:44:06]

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By *av1511Man
2 weeks ago

Basingstoke

Wish I could!

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By *ichey6Man
2 weeks ago

aberdeen

Mibbies aye, mibbies naw.

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By *leepflowerMan
2 weeks ago

Leek

It's a nice theory but it ain't gonna happen.

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By *isa c 64TV/TS
2 weeks ago

maidstone

Wish I could

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By *ral b..Man
2 weeks ago

"Its a good idea

But have things to do ,and hobbies

Getting out and meeting folk

Winter can be a long lonely time

There are two chairs that will kill you, ones the electric chair, the other is the arm chair

Meant with respect..

Love the armchair quote...

might change it slightly to

" Arm chairs kill more pensioners than electric chairs"

"
.

#2..Electric chairs kill criminals...Arm chairs kill pensioners...!

Im obsessed with the saying now

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By *ndy61hMan
2 weeks ago

Plymouth

It's what i did at 62, I realised I could walk away from my job, and survive on my pensions, until I reached pension age. Had savings, a wife who was younger and still working, so all good. Then she walked out on me 4 months later, had to use up all my savings to pay her off, and the mortgage on the house. Happily she had no claim on my pensions, it was tight for a long period, I could have gone back to work, but decided that if I was careful I could survive, and I did. Now 7 years down the line I regret none of it.

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By *aul_tim2000Man
2 weeks ago

Grantham

Do it, I retired at 62, took my Teachers pension and lived off that (including he generous tax free lump sum) until my state pension kicked in. Took my first withdrawal from my private pension this year to pay for some house improvements but leaving it invested while I can.

Best thing I did was to take my wristwatch off and not be ruled by the time of day, things happen when they need to happen but rarely to an external schedule.

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By *acingfanMan
2 weeks ago

Huddersfield

59yo here and recently went down to 3 days. Brilliant.

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By *auxhallbiMan
2 weeks ago

Greenhithe

Had a gameplan, mortgage paid at 60, push all available money to savings and be done by 62. planning to retire next year at 63, due to elderly family care had to delay.

Good luck to everyone who can get out earlier than our respective governments want.

If you are 18 and reading this, start now, had I realised 44 years ago I'd already be done

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By *oungWantedMan
2 weeks ago

Newcastle - Throckley

"...

Best thing I did was to take my wristwatch off and not be ruled by the time of day, things happen when they need to happen but rarely to an external schedule."

Similar for me, I no longer have a clock in my bedroom unless I need to be up particularly early

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By *aceyswallowsTV/TS
2 weeks ago

south oxon

Wish I could had my pension disappear when pension provider went bust and got only 10% of valve back so now having to work till I drop me thinks

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By *3243Man
2 weeks ago

EDINBURGH

I was given ill health early retirement at age 50 due to a mental breakdown caused by overwork. Being retired probably stopped me committing suicide. Here I am nearly 33 years later still going strong, happy and still horny!

If you get the chance to retire early and can afford it then grab it.

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By *aturepervMan
2 weeks ago

Dunstable

Do what you feel most comfortable with, if possible try and leave a door open to return to work if possible.

I retired in my late 40's

I did get some incredibly boring moments but must admit I'm still enjoying it 12 years on

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By *onkfish10Man
2 weeks ago

Shropshire

I retired at 55 with good pension I had very well paid contracts for 5 years as soon as I hit 60 all work dried up I applied for hundreds of jobs with about 5 replies now I'm stuck as I don't get real money again for 5 years as my second pension is linked to state pension so basically don't rely on work from 62 to 67

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