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Old 10-08-2016, 17:43   #106
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Re: Retire now & go cruising or THIS is what happens!

Quote:
Originally Posted by jongleur View Post
Great!
How can you beat this:

Keto Garlic Bread - Diet Doctor

Yum! No deprivation here.
Thanks! Tell me, how does almond flour cook up?
We have used coconut flour but the result is always more like quick breads or even pudding like. We got tired of it.
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Old 10-08-2016, 18:29   #107
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Re: Retire now & go cruising or THIS is what happens!

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Originally Posted by a64pilot View Post
I have become very aware recently of the costs to work, last couple of years since I got the idea to cruise I've been running numbers and it's astonishing, truth is my Wife makes nothing, not by the time you factor in all the costs, especially the "hidden" ones.
She would quit tomorrow but she would still want to spend like she was working though.
When you start adding up the car she has to have, the clothes she has to have, the phone she has to have, the time we eat out cause she worked late, it comes to more I believe than she makes
My concern now is more on what land costs I will still have to bear, insurance, storage, I'll still have a kid in school and will have her car insurance bill etc.
Basically your retirement will cost you exactly double what you can afford. (I am being serious now). Whilst working you are spending everything. So when you go cruising you will have to spend everything on,for the boat and everything for the house back home.
Basically, it wont work.
If ine partner is that selfish its time to think divorce so you can have a retirement you want.
Difficulty is that a divorce will probably take you to the cleaners.

I have seen very few couples do both: cruise and keep the house up without working. I have seen many, many, many couples break up because of it.

I know what i would do.... Because if i wasnt a selfish prick i wouldnt be able to be here.

But i am 'here' and i am loving it.


Mark
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Old 10-08-2016, 18:49   #108
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Re: Retire now & go cruising or THIS is what happens!

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Originally Posted by MarkJ View Post
Basically your retirement will cost you exactly double what you can afford. (I am being serious now). Whilst working you are spending everything. So when you go cruising you will have to spend everything on,for the boat and everything for the house back home.
Basically, it wont work.
If ine partner is that selfish its time to think divorce so you can have a retirement you want.
Difficulty is that a divorce will probably take you to the cleaners.

I have seen very few couples do both: cruise and keep the house up without working. I have seen many, many, many couples break up because of it.

I know what i would do.... Because if i wasnt a selfish prick i wouldnt be able to be here.

But i am 'here' and i am loving it.


Mark
Off topic, but is this where we come to at a certain age? Let me be clear, I divorced my spouse of 25 years because we wanted different things. We werent great together but I might have stuck around if we were able to work towards common dreams. Without cooperation on dreams there was nothing he could do to keep me.

I guess one has to decide what the real dream is. Is it family ties and doing ANYTHING to not disrupt that? Or is it challenging yourself in a different way? Two dreams, different results but needing different people to make each happen. Neith is right or wrong.
My BFs experience was similar. He wanted to follow a dream that wasnt tied to the routines of family life. We were lucky to find one another.

There are other choices and one can not say "its all or nothing" without at least considering those choices.

Anyway, I think at a certain age you are in the middle with the future and the past. Had I gone cruising young I might look forward to "parking" and grand kids on my knee. As it is, I skipped some of the adventure I wanted along the way and I am getting older. Its now or never and "never" is not an option.

Oh, and for those who don't know, I am a woman.

Ps...I dont think that makes one amoral. After all EVERYONE is "selfish" without exception.
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Old 10-08-2016, 19:25   #109
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Re: Retire now & go cruising or THIS is what happens!

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I turn 60 next month and can't decide whether pulling the trigger is financial suicide, ("there is nothing more pathetic than an old person without money" Simon & Garfunkel Voices of Old People), or if keeping my MOST EXCELLENT job is just slow poison.
I'm slightly ahead of you. Turned 60 last year and committed to a retirement date at year end to go cruising. It is a personal decision that is different for everyone, but I decided that we have "enough". I do get a bit sweaty when I think of the bucket slowly draining after 40 years of filling .
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Old 10-08-2016, 20:52   #110
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Re: Retire now & go cruising or THIS is what happens!

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Originally Posted by valhalla360 View Post
It tends to be an upward spiral.:
If you need to work full time, you need to pay for a marina to store the boat, you need to pay for maintenance because you spend most of your time working, you need a car to get to work, your marina needs to be close to work which drives up the price, you have friends who take a similar approach, so you need a newish boat at much higher price, they think you are funny if you don't have a house, so you get one of those...and on it goes until you are working and not making headway.
This is very accurate and, except for the last part of the last sentence, accurately describes our situation.

We have to spend at least $1200 a year just for a phone and internet connectivity to make my job happen.. probably close to $2K after you factor in other things. I have to buy nice clothes and keep them laundered. Then, its very nice (and almost necessary since you can't leave your boat alone in a lot of anchorages that are have access to airports, which are ones commonly within city boundaries) to stay in a marina with the AC going so you can think properly and get a good nights rest before being "on" all the next day. Then we pay over $200 a week to get back and forth to the airports... lets not forget about food when I'm traveling, office supplies that would be unnecessary on a boat, taxes, incidentals, and so forth. All for the privilege of having a job.

If I DIDN'T have my job it would cost a fraction of what we pay now to live.
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Old 10-08-2016, 22:36   #111
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Re: Retire now & go cruising or THIS is what happens!

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Originally Posted by Sea Dreaming View Post
Thanks! Tell me, how does almond flour cook up?
We have used coconut flour but the result is always more like quick breads or even pudding like. We got tired of it.
Try this:
Cup Loaf

⅔ cup of nut meal
1 egg
1 teaspoon of baking powder
2.5 - 3 Tablespoons of fat (coconut oil, lard, butter, tallow - your choice)

Blend all ingredients together. Pour in a coffee mug and microwave for 90 seconds.

Options:
Cut loaf into thick slices and make french toast
Pour into muffin top to make hamburger bun
Make multiple loaves to make a bread pudding
Find a tall microwaveable glass, stick a hot dog in the middle, and microwave for 90 seconds to have hot dog on a stick
Use as dumplings

Try altering the amounts a bit. We add
more egg yolks usually to up the fat.
We've got a whole lot of recipes for LCHF.
They're real easy on a boat too. This one's
unique in that it uses the microwave. With
some experimentation it can be done in an
oven.
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Old 11-08-2016, 00:12   #112
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Re: Retire now & go cruising or THIS is what happens!

Quote:
Originally Posted by iyamwhatiyam View Post
I turn 60 next month and can't decide whether pulling the trigger is financial suicide, ("there is nothing more pathetic than an old person without money" Simon & Garfunkel Voices of Old People), or if keeping my MOST EXCELLENT job is just slow poison.
When your dead it will not matter. Till then, the decision is to keep working and not enjoy your life or go and do something you like with less money. YOu have to live the life that makes life worth living if you have a choice.

I have restarted 4 times in mine. Somehow it always works out and there is enough money to enjoy...
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Old 11-08-2016, 01:44   #113
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Re: Retire now & go cruising or THIS is what happens!

Absolutely nothing wrong with that. We bought our cat as a HD&B and fitted her out in a yard that allowed living on the hard. There were many abandoned projects in there with many being lived upon and being worked on - probably according to budgets/dreams. We arrived and in answer to the inevitable question of 'how long' we responded a one year at the max. Everyone smiled and advised they had said the same. It seemed everyone had been there many years. One chap was building his cat and he had been there forever. He had since married, had children, sent them off to 'varsity, got divorced and was still building his cat! Well over twenty yearsdelightful man. I went back to the yard two years ago and his boat was still there but the owner had passed away - sad, but he was happy doing what he did and to some extent he was living his dream. Incidently, we launched and sailed away within 9 months. We did this by being totally focussed on what we wanted, not spending the weekends chatting with others for hours at a time or sitting socialising with a few beers (all can be pretty good activities in themselves, tho'). We left with a basic boat without frills, but it was good to go - so we did. We were pretty young and both of us held reasonable jobs and it would have been so easy to stay 'just another year' to build some cash but we didnt. We scored a little luck along our way and during these times we added to our boat making her a little more comfortable each time, adding items like a watermaker and refrigeration, a decent dinghy and outboard etc etc. We left harbour in 1995 anticipating a one, possibly two year sabbatical.
We are still going, we have changed boats a few times and our eldest two (twins) of our four boat children are about to start 'varsity. Its surprising how life evolves.
What I am glad of is that we started when we did and glad that we did not accept the advice to stay and work a year or two longer to gain a bigger bank balance. Had we done that I believe we would have spent more and been back on land as a result.



Quote:
Originally Posted by Group9 View Post
I've run into plenty of people who have been allegedly been preparing to cruise for years, without ever going. But, if dreaming about going, and constantly improving their boat for a trip they will never take, is what makes them happy, then what is wrong with that?
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Old 11-08-2016, 06:20   #114
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Retire now & go cruising or THIS is what happens!

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Originally Posted by zboss View Post
...If I DIDN'T have my job it would cost a fraction of what we pay now to live.

So true. Most people pay a lot of money so they can work. And general land life adds even more. Once you step away from it all it is possible to stop spending a lot of cash.

But you have to be willing to step away and stop all the consumerist spending (spending on wants, not needs). This is the part many people seem unwilling to do. So they get locked into the financial rat race ... spending $2 to chase a buck.


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Old 11-08-2016, 06:25   #115
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Re: Retire now & go cruising or THIS is what happens!

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So true. Most people pay a lot of money so they can work. And general land life adds even more. Once you step away from it all it is possible to stop spending a lot of cash.

But you have to be willing to step away and stop all their consumerist spending (spending on wants, not needs). This is the part many people seem unwilling to do. So they get locked into the financial rat race ... spending $2 to chase a buck.


Why go fast, when you can go slow
Consumerism is more addictive than heroin! Most of us have the addiction to some extent, the world needs us to be that way, if we curve our consumer ways the system breaks, it relies on continues growth. Credit and more credit, future consumption brought forward in the ever ending quest to grow the economy. We will be payed to spend soon...lol.

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Old 11-08-2016, 06:32   #116
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Re: Retire now & go cruising or THIS is what happens!

So that guy loves parks. Maybe he plays dominos with friends. Sound aweaome. If that what he WANTS to do that's the entire point of the ad.

Better than sitting around watching fox new suckinf on am oxygen tank until your absentee ballot and new handicap tag come.
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Old 11-08-2016, 06:36   #117
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Re: Retire now & go cruising or THIS is what happens!

creepy old man sitting in the child's park, I'm calling the cops.
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Old 11-08-2016, 07:04   #118
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Re: Retire now & go cruising or THIS is what happens!

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Originally Posted by MarkJ View Post
Basically your retirement will cost you exactly double what you can afford. (I am being serious now). Whilst working you are spending everything. So when you go cruising you will have to spend everything on,for the boat and everything for the house back home.
Basically, it wont work.
If ine partner is that selfish its time to think divorce so you can have a retirement you want.
Difficulty is that a divorce will probably take you to the cleaners.

I have seen very few couples do both: cruise and keep the house up without working. I have seen many, many, many couples break up because of it.

I know what i would do.... Because if i wasnt a selfish prick i wouldnt be able to be here.

But i am 'here' and i am loving it.


Mark

Whoa now, I'm not keeping the house, in fact I got lucky and sold it last year. We are renters now.
I think she is being actually very fair and unselfish, she is going after all and it is not her dream, it's mine. I think she does like to travel though and I think as long as I don't make it too miserable she will be OK.

However we will have a Daughter that is starting College next year, that is why we are waiting. Her School expenses are paid, dorm, books, meal plan.
But she is going to have to have spending money and she will have our Prius, and I will carry insurance on both the car and boat. Law says you have to on the car and the boat will be our home so I think it prudent to insure it.
And we will have a storage bill. These things add up and of course come off of the top, with what is left over being of course what we have to cruise with.

No need for a Divorce, seen too many leaving both parties with about 1/3 of what they had together, it's financial suicide. Talk about killing the dream
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Old 11-08-2016, 07:20   #119
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Re: Retire now & go cruising or THIS is what happens!

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Originally Posted by Mike OReilly View Post
So true. Most people pay a lot of money so they can work. And general land life adds even more. Once you step away from it all it is possible to stop spending a lot of cash.

But you have to be willing to step away and stop all the consumerist spending (spending on wants, not needs). This is the part many people seem unwilling to do. So they get locked into the financial rat race ... spending $2 to chase a buck.


Why go fast, when you can go slow

There is a lot of truth to this, by the time you add up everything that is required to work plus the wants and do not forget taxes, for me that is the big killer.
I've run the numbers, I end up with about 1/3 of what I make when its all over, all the land and work bills paid. That is what I will have to cruise on, about 1/3 of what I make now. At first this made me think it's just not possible, we can't live off of 1/3 of what we have now, but I've gone through the bills and I think we can, and do so with the same standard of living.
There are some conditions that have to be met of course, boat has to be paid for and in good condition with mid time or better components, or in other words be in a condition of sustainment, not a re-fit.
And you have to accept I believe either long term Marina visits when you do stay at one, and anchoring out the rest of the time, those overnight visits will eat you alive.

Automobiles alone astonish, I do all my own work but still when you amortize in the expense of the things, fuel costs etc. the things cost a fortune, especially as the Wife drives about 90 miles a day to work, the little Prius is our primary driver, but we have a few others and on it we have put 180,000 miles in the six years we have had it.
Our family drives probably close to 40 to 50 thousand miles a year, at 58 cents a mile that is somewhere between $23,000 and $29,000 a year. That is such a crazy number I couldn't believe it, but look it up for yourself.
That is nuts.
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Old 11-08-2016, 07:37   #120
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Re: Retire now & go cruising or THIS is what happens!

The living on land costing more isn't really a fair comparison. I have a smaller 2 bedroom house that is paid for and with utilities and taxes still costs $950/mo. If I lived on my boat in a marina in my current area, paying for a long term slip and the liveaboard fee that it would cost around$750/mo.

So that's a savings, but it isn't much to go from a 2BR 1300 square foot house to a 2BR 400 square foot boat.
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