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I just don’t want to be busy anymore

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Re: I just don’t want to be busy anymore

#181

Post by nly »

webdev777 wrote: post #104
syshum wrote: post #92

Earlier quoted context omitted.

>>I thought by the time you're 54 you could retire. I'm much younger and I could retire in a couple of years. What is your saving rate? That is not going to help him much now. Not everyone has or could have started saving early in life. Some did not due to ignorance, some did not due to life circumstances, some did but other life events could have taken that from them (i.e bad investments, divorce, medical issue, or…

I didn't say he should have retired, it's just my expectation for a software engineer to have the ability to retire by then. It's very likely he could retire but he just didn't realized. Maybe looking into it, it's not a bad idea. I worked on 3 continents, in more than 10 companies. No employer ever told me I'm coming in too late, my lunch time it's too long or I'm leaving too early (6pm).

Retiring early is risky. Due to market volatility the safe withdrawal / drawdown rate is lower the longer you need your pot to last, and the impact of miscalculating your expenses worse the lower that rate becomes.

Underestimate your annual expenses by $10K on a 5% SWR? Ok you need a pot of $200K more. At 3%? $333K more. 2%? $500K.

With interest rates in a 700 year downward trend, and yields dropping across all asset classes, you should NOT assume, as a software engineer, that you will be able to retire in your 50s.

Still, of that's something that appeals, start saving and investing, otherwise the chance is literally 0.

Re: I just don’t want to be busy anymore

#183

Post by LeafletOnDemand »

gregd wrote: post #2

As a 54 year old Software Engineer, who has had a nice IT career for over 26 years, I'm spent. This is coming from someone who has always had a growth mindset and had a really hard time sitting still. I used to loathe naps and felt like I was missing out if I took one. Now, I take a one hour nap almost daily and I'm finding that after 1pm I'm basically fried (I start working around 7AM). I'm not sure what to do about…

Go to church

Re: I just don’t want to be busy anymore

#184

Post by bmicraft »

efitz wrote: post #142

I wonder if there are any HR types monitoring this thread. If so, I wonder what they will bring back to the companies that they work for. I voluntarily participate in an employment contract. I like what I do and am good at it. I could work harder but I work what I consider a “fair” amount. Many weeks that is less than 40 hours of my time but sometimes it’s more - if there is an emergency or a crunch time for a reason…

> If you don’t care about their goals, then the ethical decision is to quit.

So people who just don't care much about anything (that they could realistically do in a job) should just not have a job at all?

Re: I just don’t want to be busy anymore

#185

Post by xur17 »

dreyfan wrote: post #176
mooreds wrote: post #158

Earlier quoted context omitted.

How do you get RSUs if the company hasn't IPOed? I thought that RSUs were limited to public companies (since they are essentially grants of stock, not options).

You can get RSUs and RSAs from a private company, it's just often undesirable because you pay income tax on the valuation of the shares vested but you can't sell your shares until a liquidity event or IPO.

Some employers will structure these as double trigger RSUs that do not vest until a date passes + a liquidity event occurs to avoid this.

Re: I just don’t want to be busy anymore

#186

Post by listless »

mmastrac wrote: post #79
gregd wrote: post #2

As a 54 year old Software Engineer, who has had a nice IT career for over 26 years, I'm spent. This is coming from someone who has always had a growth mindset and had a really hard time sitting still. I used to loathe naps and felt like I was missing out if I took one. Now, I take a one hour nap almost daily and I'm finding that after 1pm I'm basically fried (I start working around 7AM). I'm not sure what to do about…

Consider that COVID is part of it. I was enjoying myself at work until it hit and then my motivation and desire to learn new things plummeted. I decided to take a sabbatical to recharge and it took a few months before I could enjoy writing code again. I just didn't realize I was burnt out by the world in general.

I feel this so much. But I can’t take a sabbatical - I have to pay bills.

I basically work everyday and tell myself “just one more hour and then I’ll take off the rest of the day”. I do that every hour until I get as close to 5 as possible.

I’ve been like this for over a year. This is my life. I try not to think about it.

Re: I just don’t want to be busy anymore

#187

Post by Proven »

whatever1 wrote: post #161
bumby wrote: post #155

Earlier quoted context omitted.

This is tough if you actually try to have a team-oriented mindset. I’ve worked in groups (hard to really call them a team) where everyone, everyone , stiff armed duties. The end result is that the hard stuff, or low status stuff, never got done. I get there’s a balance, but if you entered a career where you actually care about the mission, it’s hard to just see that mission suffer because people want to take the easy…

I don’t want overworked medical professionals. I want the hospitals to hire more people to work healthy 8 hour shifts. There is a viable different approach, but the employers do not like it. Let’s stop pretending.

And you'd also like that healthcare be free, and affordable.

Keep going - what else would you like to have?

Re: I just don’t want to be busy anymore

#188

Post by bluefirebrand »

argc wrote: post #153
bluefirebrand wrote: post #150

Earlier quoted context omitted.

Yeah, staff does not get big payouts anymore because investors want that money. If you're a founder you might get rich

What do you mean by big payout in this context?

Enough to retire early.

Re: I just don’t want to be busy anymore

#189

Post by bitcoinmoney »

bamboozled wrote: post #61
gregd wrote: post #2

As a 54 year old Software Engineer, who has had a nice IT career for over 26 years, I'm spent. This is coming from someone who has always had a growth mindset and had a really hard time sitting still. I used to loathe naps and felt like I was missing out if I took one. Now, I take a one hour nap almost daily and I'm finding that after 1pm I'm basically fried (I start working around 7AM). I'm not sure what to do about…

I’m younger than you, had the same issue and solved it by working less and doing more outside. Lifting weights in the sun, mountain biking, golf, surfing. In understand this is a luxury not everyone can afford but what I do now is work from about 6-9am, go out during the day until about 3, work 4-6. Which if you add it up is still a solid 5 hour day. For whatever reason it just makes me more productive and sleep bett…

How do you handle meeting from 9-4pm?

Re: I just don’t want to be busy anymore

#190

Post by bamboozled »

EnlightenedBro wrote: post #88
bamboozled wrote: post #61

Earlier quoted context omitted.

I’m younger than you, had the same issue and solved it by working less and doing more outside. Lifting weights in the sun, mountain biking, golf, surfing. In understand this is a luxury not everyone can afford but what I do now is work from about 6-9am, go out during the day until about 3, work 4-6. Which if you add it up is still a solid 5 hour day. For whatever reason it just makes me more productive and sleep bett…

Hmm, wondering when do you go to sleep if you wake up at 6? 9? That kind of sucks.

I usually go to bed about 10-11, mostly get 7 hours. I can’t really sleep for longer than that.

I exercise everyday it wakes me up if I feel tired.

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