Decisions, decisions

A couple of friends asked me about how I made the two decisions about retiring and moving to Europe.

Now that I’ve made them, it seems like a no brainer but it took several months of thinking, running numbers, talking to family and friends and a lot of chanting.

It all comes down to priorities. If you want to be a world class marathon runner that’s your priority and you’ll do what you need to do to become one.

Let me start out by saying that I enjoy my job, really like my boss, respect and like the overwhelming majority of my co-workers. I’m not retiring because I hate my job.

My desire to retire is because I’m 60 and have been working for over 40 years. Stick a fork in me, I’m done.

With my priority firmly in mind, I started to crunch the numbers. Could I make it work?

I’m currently living in San Francisco, one of the best places in the world to live. I soon came to the conclusion that I couldn’t retire at 60 and continue to live in SF. Even if I kept working to 70, retiring in SF really isn’t on the cards or, should I say, the $. The numbers wouldn’t work and still give me a reasonable standard of living. Between housing costs and medical, my money would soon be gone and I do like eating, a lot !

After a lot of soul searching, I decided that retiring was more important than living in SF. If working for another 5 years would have made retiring in SF possible, then I’d have been working for another 5 years.

So, where to live?

One of the reasons I’m retiring is to enjoy my life while I’ve still got good health. I want to spend time traveling and, I want to travel in Europe much more than anywhere else.  I’ve been very fortunate over the years to be able to do a lot of traveling in the rest of the world and have spent very little time in Europe.

After letting go of living in SF, choosing to move to Europe was a quick decision.

There you have 6-8 months of thinking condensed down to a few sentences.



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