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The idea of early retirement can be a really attractive one to some people. Not having to get up for work every day, especially on a Monday can feel like it will be a fantastic thing. However, early retirement can bring problems which are worth considering when you are thinking about whether you should choose it or not.
Standard of Living
Money is an important consideration when you are thinking about retirement. You may have a pension fund, but that is unlikely to pay out until you reach an older age. Sometimes you can draw on it early but you may find that if you do this then you will have to draw less money each month, which make it more difficult to manage as you get older. You may use a lump sum of money, but you may be better off keeping this for a bit longer in case you need it to fall back on when you get older. You do not want to have to contemplate selling your property, using credit cards or payday loans, retirement doesn’t like those type of invesments.
Once you stop having to use your brain each day, seeing new things and people, you may find that you start to get bored. You may enjoy going out and about for a while, perhaps travelling and seeing family. You may want to do some work on the house or take time to do some hobbies. However, you cannot do these things forever and so you will need to consider whether you might regret early retirement and wish you had kept the work out for as long as you could have.
In most jobs people have a lot of social interaction. They will get a chance to meet other people and talk to them and maybe deal with new people on a regular basis. Once retired there will be no interaction with work colleagues or customers. This may be a relief to some people initially, but it can get lonely once you are not seeing different people each day.
Relationship with partner
The relationship that you have with your partner could change once you retire. You will see a lot more of them and this could be difficult. You may no longer have so many things to talk about as you will not be discussing what you were doing at work that day. You may find that you like seeing more of each other but it will bring a change to your relationship. You may find that it changes in an unexpected way.