Retirement planning for those who have treated their bodies like shit

I've been looking at a similar option. No kids so no grandkids that would make me want to live to 100. And honestly I don't want to live if I can't take care of myself. If you live past 80 you could probably go on some type of welfare assistance so spend your money now and travel while you can

Start thinking about what comfort looks like for you given the circumstances, then cost it out. Also, keep your eyes peeled for where the best care is, which is a moving target, because spending all that money is for shit if the care isn't quality. Sounds like mobility issues, cardio issues and cancer care are the most likely to happen. Also look at assisted living and nursing care. There's so many bad facilities out there.

Also, look at the house and local you're in now and be brutally honest about how much support you have. You may need to move to be in a better context for having mobility issues, for example. Imagine a world in which stairs are an hourlong affair, and you'll need more equipment around the house to just do the everyday things you need to do.

These are just starter prompts to what should be an overall pressure test you should be doing on your current lifestyle to see how it could handle different scenarios. The points of failure are where you need to make the preparations.

From my experience, the ones who want to live longer never do.

And the ones who don't want to live long, always end up living long.

It's a cruel irony of fate.

I have the opposite problem. A dad who has no savings for retirement and can’t find a vice to save his life.

R2 = missed his calling as a motivational speaker

I think the world will look very different in a couple of decades and there won’t be old age pensions, decent care homes or health care for seniors, except for the very rich.

I’m hoping there will be a decent suicide option.

I just turned 51 with no retirement funds or savings. I've been a daily drinker since 18. I smoked for 25 years. I do not exercise, but am not overweight. And my doctor says I'm in perfect health. I guess I'm going to have to try meth or heroin.

Like all those guys who knew they'd be dead from AIDS by 40 and are now 80. Nature has a funny sense of humor. Wouldn't count on it.

And some kid who thought he would at least see 40 does not come close.

Chronic disease, And a life . A life with lung issues and hearth issues , maybe cancer , and lots of doctor time but science will keep you alive, and you will hang on begging to love longer,

And the live fast live hard die young will have left you and you will be glad for the wheelchair and oxygen and the tv .

Generally we pay the butchers bill just not always the way we dream,

Oh OP honey with your past I’d avoid buying any Christmas cards - could be unnecessary expenditure in your case.

OP, you could live for a very long time. There's no rhyme or reason to longevity. Some fat people who eat McDonald's every day, abuse uppers, and whose only exercise is being driven around on a golf cart can live on and on and on...

It's so much better to be prepared. The world is not set up for gay men and their life stages. If you're not prepared, you're going to get what the world has prepared for you.

Yes you can see those 348 pound Big Mac eaters who can no longer walk around the grocery store without a riding cart and their breathing assistance equipment..

For the unprepared it’s almost always going to get worse.

Evil is the secret to long life

R12 there are going to be tons of never married, childless men and women (gay and straight) in the future aging population

And? It's not set up for them, either.

OMG, R13, are you a Trumper or are you just sarcasm challenged?

r14- Dick Cheney

OMG?

YIKES

Starting to think that way OP.. Wanted to have 100K for every year I intend to live. I now have 3M and at 50, that takes me to 80 without having to think. I used to think I needed 4M to live to 90. I want to get off the train and become a hermit. Only thing that worries me about not working is health insurance, which I need.

R5 right?!!

Must be the life of the party.

R20

Well, OP, that's one of the reasons I took my SS at 62. Besides the fact that I desperately needed the money, I crunched the numbers and realized that I would hit the break even mark at the age of 80 (maybe it works out that way for everyone, IDK). In other words, the extra money I got from taking SS at 62 would even out with the amount of money I'd get from waiting and taking SS at 66 yrs. 8 mo. when I turned 80. After that, I'd be losing money, in fact, quite a bit of money the longer I live.

But hey! I have a body full of metal and I'm still riding my motorcycle (to my dying day, I hope!), so what are the chances I'll live to be 80? Understand, my dad's 88 and my mom's 84, but neither one of them lived the kind of life I've lived, so I doubt I'll have that kind of longevity. So you gotta do what's right for you.

That said, just remember -- when you get older, you won't even be able to do the things you always wanted to do, so do as many of those things as you can within reason. That's the trick, the balancing act.

Good luck, OP!

Go to bed you fool!

After visiting my mom in the nursing home, I decided against quitting smoking

I plan on finding a way to drug myself into oblivion if the fates put me in a shitty nursing home.

There's no good drugs out there any more to go bye byes. you're just going to puke and get your stomach pumped, possibly ending up as a vegetable.

I heard that argon canisters are good shit. Look in industrial areas. Just in case there's a zombie apocalypse or something.

You’re sitting here doing mental gymnastics about retirement based on your “party animal” past, as if that’s some kind of solid financial strategy. You don’t plan your future by assuming the worst, you plan for the possibility that you might beat the odds. Because guess what? If you don’t, you’re out of luck and out of money, and no one is going to feel sorry for you.

“I’ll just sell my California house and move to Ohio” lol. Do you know how expensive healthcare gets when you’re older? Do you think the Ohio Retirement Fairy is going to swoop in and take care of that?

Stop whining, get a calculator, and plan for at least 80. If you don’t need the money, fantastic. Buy all the cigarettes and boxed wine you want. But if you live longer than you think (and you just might), you’ll thank yourself for not being a complete fool. BYE.

Who needs the fucking money if you're too old to spend it? Nobody over 85 needs that much cash.

Freaking out about retirement is just how they keep us in line our whole lives

OP here. As if I buy bixed wine R28. I live close to Paso Robles, and honestly - There is no such thing as a decent bottle of wine under $30. Just like there aren’t decent escorts under $300/hr. Thank god I gave up cigarettes 15 years ago. Otherwise I could never afford the things that will put me into a perfectly timed grave,

OP, you like to paint s picture of a wild past, but so what? Keith Richards and Mick Jagger were hardly paragons of precaution and they are in their 80s (very fucking leathery, scary 80s, but we're talking about health, not suppleness of skin.)

The important thing is your current state of health at 53. Lung disease, obesity, kidney and liver disease, chronic conditions, and hereditary propensity to disease.are real factors, much more so than how fucked up you got on some night 20+ years ago or how many dicks you had up your hole that night at wherever.

It's best to base life expectancy projections on facts rather than pulled from nowhere projections of the accumulated efforts of a sporty life. Not wanting to live past 80.and having no medical reason to expect that your prospects of living to 80 are good...those are two very different things.

Of course the financial planning calculators are exceedingly conservative. It's not difficult to understand why. And of course you can make some informed adjustments relative your constellation of health conditions and hereditary factors. It makes perfect sense to me, but just saying you used to be wild doesn't automatically shave off X years. There's no perfect calculation of life expectancy, but maybe try to base it on medical issues not party history.

[quote]I plan on finding a way to drug myself into oblivion if the fates put me in a shitty nursing home.

Good luck with that. If you find yourself in a nursing home, you wont have access to enough drugs to overdose. You will also be too feeble get someone to bring them in for you.

By the way don't try that, know someone who did way back during the AIDS crisis. I knew a guy who tried that by having his partner sneak them in. He ODed but in a hospital they reacted like they are supposed to, pumped his stomach, and survived. He tried it twice and failed. Eventually died a slow painful death, which to be honest is what he deserved based on what a shitty person he was in real life.

I'm talking massive doses of gummies and old movies, weirdo, not suicide.

Gummies are still a drug R34. It's like saying I am going to continue to drink myself into oblivion while in a nursing home. Not going to happen, they will not allow it.

When the current generation is old, they will expect their gummies and Xanax