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Anyone else nervous about quitting a perfectly good job (by society's standards)
#21
Job lock is always entirely in the employee’s mind but generally refers to cases where someone can’t quit a job because if they do, they will not get their basic needs met. So if you have a situation where if you quit, you will starve or be homeless or not get your health needs met, you are experiencing job lock. Unless you are enslaved though, you can always quit.
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#22
Freetobe:"guilt that I'm not working (my Dad retired at age 80 and I will never hear the end of it from him)"

I'm sure your Dad is proud of you(if he's not, he never will be) and quitting the rat race won't change that.  Just keep in touch with pictures and phone calls of how happy you're enjoying travelling and I bet he will be bragging to everyone he talks to about the wonderful places his son is seeing.
Ford Transit 130" Medium Roof
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#23
(05-12-2017, 11:45 AM)closeanuf Wrote: If you happen to be a veteran there's alway VA healthcare.  It has drawbacks but there are no monthly premiums.  Depending on your income there may be copays.  You do not have to be retired military to get it.

Unless you have a medical disability from your service time or you're already in the VA system, you can't currently use it by just being a veteran. If you just did your time and got out and are considered the lowest priority by the VA, it's almost impossible to use the healthcare benefits because they are focused and overloaded on the millions of disabled vets in the system right now. Low income increases the chances of possibly getting approved but you gotta go through all the paperwork to get in and get approved.
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CityWoman (08-12-2017)
#24
My wife and I left great jobs 11 years ago and have no regrets. We have had years where we made more traveling than when at home.  We have x amount of dollars we will not touch for any reason except absolute emergency.  We have no healthcare and honestly we do not worry about it at all. When we do have to see a doctor we just use urgent care. Each of us has had to go to an emergency room once and combined it was less than 2,000 dollars. Being out here doing this has been the best thing for us.
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#25
I walked away from a six figure job to travel. Also had full benefits, company car, cell phone and commissions. But just wasn't doing what I wanted to be doing at the time. Can always get another job but you can never buy more time. Made it to 48 of the 50 states after quitting, so it was a success in my book.

But, I think it's a different question with different answers for everyone. What worked for me may or may not work for others. My career is a niche with a huge shortage of qualified people to do it in my area and I can literally jump in and out of it at my leisure. I've also been self employed most my life and have my own retirement set up. I can add to it when i'm working and leave it as is when i'm not. You've invested a lot of time into your career, would leaving it now cost you a lot of your pension by not staying a few more years? Are you 100% sure RV/Van life is for you? Could you comfortably survive if you never worked again? All questions to consider and then weigh the pro's and con's of both sides of the argument.

You can always start this lifestyle while still working. Buy your preferred vehicle, outfit it the way you want, take some shorter trips on weekends or scheduled vacations, etc.
I've learned that making a living is not the same thing as making a life.
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Dgorila1 (05-13-2017)
#26
ERLH is right !
And remember even if you win the rat race , you're still a rat............
Stay Tuned
popeye

Weirdo Overlord  YARC CRVL edition
12 "Stinkin'Badges"  a "Full Monty Badge" 2 "Just Ignore Me" clusters  4 "Pine Cone" clusters  one "Stinkin' Badger" and 4 of the coveted "Flying Manure Spreader"awards! (What a "Stinkin' " honor !) + ROOIRIA
 

1981 Travelcraft Class C - 23'
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#27
MNPaul - Yes, I have no doubt that my Dad will be excited about the places I go and will still feel proud.  But he goes on and on about other people that he knows that retired at an older age than I'm at.  However, if that's the worse he or anyone else can say, I'm doing pretty good.

grimmal - That is all very encouraging.  I'm relatively healthy (knock on wood), but because of family medical histories, I would be really nervous not to have health insurance.  However, the quotes I've been getting are reasonable (although probably will be my biggest expense until Medicare kicks in).

Every Road Leads Home - You ask a lot of qreat questions and good comments (I'll answer and comment on them here, just to force myself to give them more thought):

Can always get another job but you can never buy more time.

So, very, very true.  I've seen so many people at my job either die early or die within a year of retirement.  There's a pharase called "Polishing the cannonball", which is exactly what I'm doing at this point in time.  What good is having more money if I wait 10 more years and die a month after retirement from accumulated stress? 

You've invested a lot of time into your career, would leaving it now cost you a lot of your pension by not staying a few more years?

I wouldn't lose anything that I've accumulated and I can leave the money in that account and it will get a really good interest rate.  However, there would be future pension money that I would be walking away from.  However, I have spreadsheets that I've run the numbers in many different ways and financially (if I'm careful), I should be fine.

Are you 100% sure RV/Van life is for you? 

Yes, I've lived for weeks at a time in an RV and really liked it - I could see myself living in one for a longer period of time.  I would like to go as small as possible for maneuverability and not having to tow anything, but I'm not really sure how small I could go and feel comfortable.  I'm thinking a Ford Transit conversion or a Class B, but that might be too small (a bridge too far, so to speak).  Have to research more and give it more thought.

Could you comfortably survive if you never worked again?

Yes, if there are no major life issues and I'm reasonably careful with my money, I would never have to work again.

You can always start this lifestyle while still working. Buy your preferred vehicle, outfit it the way you want, take some shorter trips on weekends or scheduled vacations, etc.

I'm thinking along these lines.  I may keep working for a while, get a Ford Transit High Roof and rig it out and take shorter trips in it until I'm ready to go.

rvpopeye - Exactly, I'll still be a rat as long as I stay.  Funny that you should mention this, becasue I recently reread "Who Moved My Cheese", which basically is about surviving in a rat's maze.  You might find new cheese, but you're still a rat.
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#28
I retired from my own company by selling it at age 57.  I was saving and working until I hit the million dollar mark in savings and investments, but a combination of stress and maybe pesticides resulted in Hodgkins Disease (a form of blood cancer). That made the decision easy, well not so easy, but after a year of talking with others, I did radiation and was cured.  That was over 20 years ago.  It's been a great retirement, sometimes working at teaching jobs overseas after returning to grad school to get another MA degree in ESL.  My favorite part was seven years of full time RVing. Now at age 80, we  have a small apt as a base while we travel  on shorter trips. I've been working seasonally since age 75 in a variety of jobs.  So... don't sweat the money
thing as there are lots of part time jobs out there.  I travelled in countries with great healthcare (New Zealand, Australia, Canada, etc), until my wife and I reached 65 for Medicare.  Hopefully, with our new van that I am converting to a camper we can travel another ten years on a shorter trip basis.  Happy I retired at 57 and didn't wait until 65.  There's never enough money until there is.  Just do it!
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WanderingScribe (05-19-2017), mayble (05-16-2017), bullfrog (05-15-2017), grimmal (05-14-2017)
#29
(05-11-2017, 11:32 PM)Cammalu Wrote: BigT - do you really want to live in San Francisco anyway?  That would be a punishment to me.  Even if you want to go back to work you don't have to choose to live in such a high cost of living place.  

I don't live in San Francisco, I live in the San Francisco Bay Area, but I love living here.  I've been here all my life.  
I hear people say it's really expensive, but having nothing to compare it to, I don't really notice it.  My rent is actually pretty low, by Bay Area standards.
I pay less than half of what a 1 bedroom apartment goes for now, because I got in when the rent was low and my city has rent control.  

You really can't beat the climate.  It's like Hawaii around here!  Cool   There's so much to do and all within an easy drive from the Bay.  

I'm sure there are other nice places to live, but this is where I make my living, and I make a pretty good living here.  
Anywhere else in the state or country, I wouldn't make 40% of what I can earn working here.  And if/when I move into a van and stop paying rent, my money is going to go even farther! 

I suppose I could choose to live in a cheaper part of the Bay Area and commute 2 hours to work, but given I drive all day for my pay, long commutes could actually be dangerous due to the fatigue they'd cause.  

Nope.  I'm stuck here.  Tongue
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#30
Davidson - Thank you for the words of encouragement and your story;  that's really helped solidify things in my mind!  I think I sweat the money thing way too much, even after I run the numbers in my spreadsheets.  According to the spreadsheets, money won't be an issue (barring some god awful thing happening).  I just came back from looking at some apartments and I'm leaning towards apartment life for about 6 months after the house sells and spending that time getting ready to hit the road, with the goal of making it down to Florida, Texas, or Arizona in the winter (and possibly getting to the RTR in January).  With this plan, I won't feel as rushed and stressed to get everything ready and can downsize in stages instead of all at once (downsize from house to apartment and then to an RV).  Thanks again!
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