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I think at 55 years of age, I would feel comfortable retiring if I had $11 million
$10 million plus a stock market buffer
As I am still working, I obviously haven't achieved that.

At 65? To feel comfortable?
Maybe $5 million

At 67?
I don't know
Perhaps $2 million

At 70, I am retiring whether I am comfortable or not
But I think I would probably feel comfortable at $1 million

These are all very subjective and based on my feelings.
Do these goals seem reasonable? Unreasonable? Why?

I retired 7 1/2 months ago. I’m 52, wife is still working for another 15 years, she is 48. I retired from the State of Ohio with 34 years and 4 months, so I get an OPERS retirement. After everything comes out I bring home $5,000/month.

We have a condo with little left to pay off. In 6 months no car payments, no credit card debt, daughter graduates from OSU today, no college to pay anymore.

I will be maxing out a Roth IRA for the next 15 years. Wife is maxing out her 401k at work. We should be okay.

Been looking for a part time job, 15-20 hours a week, haven’t found anything I want to do yet, kinda restricted a little, since it seems like everyone drug tests to the full extent of the law.

He'd gone to high school at a small school, then when he transferred to a bigger high school it was COVID time so didn't really get exposure. "Late" growth turned a HS Safety into an LB, which isn't the easiest transition when you're not getting the focus that higher rated recruits were.

Put(s) in the work. Plays faster than his "measurables" which are above average to begin with, if not amazing. I do think they wanted to add more "culture" guys, and defense was kind of lacking an on field "brain" of that operation. I'm guessing he impressed in the predraft meetings/on the board/with film.

Shough was old and oft injured. Safety wasn't a huge need and he was a tweener. Burden allegedly had some red flags. Higgins was probably too similar to Ced, who they liked.

Edit: Carson was 44th on the consensus big board, so I'm not sure not on the radar or massively overdrafted really applied. If red flagged guys were off their board, 11 spots on the consensus rankings aren't that many. Positional scarcity/drop off probably also a factor. Demetrius Knight was the next LB drafted and he has not been great in Cinci. If they had Judkins/Henderson closely rated probably expected at least one to still be there later.

Maybe the Browns are doing him a solid from a healthcare perspective as well by this designation as opposed to outright retiring?

And the Browns should treat JOK well and fairly. That would go a long way to show what kind of organization we are to the fans, the media and more importantly to our other players.

Wait let me check.


Well if $13.69 is enough I'm all set.

Yes I can see Shemp.

Never heard that version of Lowdown.

Just a funny aside. Is it just me or does that picture of the Boz remind anyone else of "Shemp" of the 3 Stooges?

That is a little like asking a man how large are his wife's breasts...lol

Let's just say no money stress on this end. I have what I want and if I want something else, I go buy it.

If you like what you do and aren't burnt out, I suggest you stick with the job until you are 70. See if the amount of SS maxed out is worth the delay, especially if your current salary will bump the highest average pay calculation.

Exactly as it should be.

Between my wife and my social security and our pensions, we won't have to withdraw much from my 403b. Definitely less than the interest it should be accruing. My biggest concern is what healthcare is going to cost us. I'm almost 66 and plan on retiring at 67. I can work per diem for walkin' around frivolous spending money. I really like my job and the people I work with and work for. They're trying to bribe me into staying, and I'm not sure I want to give it up entirely. Also, the interactions and negotiations with intelligent professionals keeps me sharp. I also have been doing some woodworking and selling it. I really enjoy that and don't plan on stopping. I've been working since delivering papers at 10yo. I can't imagine not working. I'll still have plenty of time for photography, camping and kayak fishing.....and spending time with the grandkids. Going to have my second at the end of this month.

It depends on where you live, and what you want to do.

I live in Youngstown. Cost of living is pretty low here. Add in the fact that I am single, and have no desire whatsoever for a huge house, new cars every year, or taking extravagent vacations, and I am perfectly comfortable on a lower money stream than others might be. My house and vehicles are paid off. I don't have any super expensive hobbies. I have some savings and investments, but far short of even a quarter million.

I know people who have a lot, but it's never enough. Personally, I have plenty. I guess that is something I learned from my Mom when growing up. We never had as much as many people did, but we somehow always managed. If someone wants to know how much they "need", they need to figure out what they need to live .... and what are the extras they want when they retire.

At this point, I think it’s semantics. If he is forced retirement due to injury there are no gray areas to what money is owed to him, cut and dry. If he “voluntarily” retires, he forfeits all remaining salary. Browns can give him an injury settlement, then end it that way also. They are probably going over everything right now. No hurry with the PUP designation.

I have a good idea of what would be comfortable for me.

Interested in what each of you think would be comfortable for you

I have always liked Boz Scaggs.

Here is the version of "Lowdown" I like best.

Being totally bluntly honest, I'm more surprised that he hasn't retired and is simply going on Reserve/PUP.

My sister and her boys loved Iceland! She's been twice and is itching to go back.

Iceland is one of the very best fly fishing locations in the world.

I had thought of going there many times but things never worked out.

Now I am going and not even taking my fishing stuff.

Strictly sight seeing with my daughter and two grandsons.

Looking forward to it. I doubt that I will leave the country again except for maybe Canada.

Bobby was old school all the way.

His players loved him.

You were expected to conduct yourself like a professional.

No clubhouse music allowed. Wear headsets so you don't infringe on others. No kids in the locker room. Not all kids behave well.

Show up on time and play your ass off. Dress was sports coats and collared shirts.

He kept everything inside the locker room. And he supported his players like they were his own kids.

I will always remember him on the top step cheering his players on. He was all baseball.

Sad day in Braves land.

First, if some long lost uncle leaves you $100,000 and you think you can retire, forget about it. You are way behind the 8 ball.

No matter what you make when you retire, my rule was I needed an income of 140% of that income without having to ever take more than the minimum distribution out of an IRA account. I went 40% over to account for inflation over he first decade or so.

So, where does income come from:

Social Security

IRA

Other investment accounts.

To me the key is the other account. If you are counting on social security and your minimum distribution at age 70 to meet your total needs, you are going to be pretty tight without having to make some lifestyle cuts.

Sorry to hear the news about both.

Ted went to boarding school here in Chattanooga. The McCallie School. Some years ago he gave the school a large gift. Like $30 mil large.

Bobby was a great manager.

I moved to the Atlanta area around 1978.

As a kid I collected baseball cards and adopted the Milwaukee Braves as my team. I liked their uniforms and was a Hank Aaron fan.

Ted Turner started TBS in 1976. It was a super station and all the games were on the local TBS TV station. It was broadcast all across the US. It became the team for many areas across the country because of TBS.

Bobby Cox was the manager from 1978 till 1981 and then again from 1990 till he retired in 2010.

What a run. The Braves fielded many great teams. Won a lot of games.

I was heavily involved in coaching baseball for ten of those years and a big fan of the Braves.

Ned Yost was Bobby's third base coach and a neighbor. One of his sons played ball with my son and was a close friend.

Bobby and Ted were Atlanta royalty. Sorry to hear of their passing. I am thankful for the memories.