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The Heart of Money: When Should I Retire?

Paul Sutherland at a market in Uganda
Question: I retired at age 55 and hated it, so I went to work as a barista—and love it. I am 73 now, and getting pressure from my kids, ex-wife, and a few friends to retire. Frankly, I don’t know what I would do with myself. I am fit and happy and would love to die of a heart attack while making a flat white. Economically, I could quit, but why?  Paul Sutherland: My definition of retirement is working when you want, how you want, if you want, and where you want. It sounds to me like you are retired already. I wrote the book 12 Steps to a Carefree Retirement and have studied retirement my whole career. So here are some thoughts: 1. Age is meaningless. I live in Uganda, where it is not uncommon to find 30-year-old grandmothers, and anyone over the age of 45 is considered old. When I lived on Maui, I got up at 4:00 a.m. to be in the office at 4:30 (9:30 EST, when the New York Stock Exchange opens). About three times a week, as I drove to work, I would see a biker heading in the opposite direction: an 88-year-old man who regularly biked from sea level to the top of the 10,000+ foot …

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Financial AdviceRetirementAgingAdvice

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