Interesting reads.

atush

I am a regular and am comfortable and do reply to diaries, esp ont he savings board.

We aren't as hostile as you think, and if people use words like you describe, I would berate them myself.

What "WE" as regulars disagreed with, and were upset with, was the proposal to change this forum was instigated elsewhere and we were not consulted. Then it is planned it will go ahead even with our objections.

My objections were mainly based on the above non consultation, and the determination to move existing threads which I object to.

Have a diary subforum, and I will visit from time to time. But dont move threads we like- we like them where they are.

AS for spending/saving ideas, plenty of those on Savings diaries, old style and budgeting boards. Loads to learn from these (such as I myself have learned)

Broken_Biscuits

jamesd wrote: »

Most people retire before state pension age. Early retirement is just normal retirement planning. The section was proposed by those who like diaries. The problem is the diaries, which tend to drown out other discussions. Useful as diaries but they flood other discussions. So if the new section happens it'll be a place for diaries and where MSE moves other topics to kill them.

Early retirement is fine here and regularly discussed, just not with that title because it's normal retirement planning. Frugal living outside the debt context is discussed on the Old-fashioned moneysaving board.

I don't know what you'd consider to be early retirement but I still work even though I reached my initial financial independence thresholds before I reached fifty, in something between six and eight years from a zero start and with assets that are now more than 90% of my net pay plus gross pension contributions over the period. It's routine for me to discuss the sorts of things I do in discussions with others though I choose not to have an ongoing topic dedicated to just me or just that particular age or timespan.

If you want more of something, just start the topic)s). Nobody compels particular discussions (except MSE if they move topics) so if you want it, start it and see how it goes.

Well done on hitting FI before 50.
My thinking was always that early retirement was retiring before you had any access to state or work based pension. You no longer need to work as assets you hold outside of a pension will support you until death or at least until a pension either work based or state kicks in.

most people will not luck themself into this position except maybe through inheritance. Planning will get you there.

OldBeanz

I would think the diary of anyone saving for a pension would be very boring as, unless there is a world wide shares disaster bigger than 2008, they should only review their pensions every 6 months, tops.

Broken_Biscuits

OldBeanz wrote: »

I would think the diary of anyone saving for a pension would be very boring as, unless there is a world wide shares disaster bigger than 2008, they should only review their pensions every 6 months, tops.

in my opinion this us where the issue lies. It seems the regulars here are mostly against diaries. Fair enough, each to their own. This is seen as the pensions board. Its the first word in the board title so again that makes sense, however, squeezed in at the end is the word retirement. I would expect most diaries not to be each month "I saved 10/15/20 % of my salary this month, as i will do every month until i can access my pension.". But i would expect the diaries to be about how investments/business ideas/ self employment etc are going to build up a pot outside of (but maybe in addition to) a pension.

that's what i would find interesting to read. But can see why its something that could be moved away from the pensions board entirely.

dunstonh

in my opinion this us where the issue lies. It seems the regulars here are mostly against diaries. Fair enough, each to their own.

I don't know the numbers but I suspect most people have no interest in writing what they had for breakfast, where they went, what they did etc on the internet. However, if it is clear from social media that many people do.

I would expect most diaries not to be each month "I saved 10/15/20 % of my salary this month, as i will do every month until i can access my pension.". But i would expect the diaries to be about how investments/business ideas/ self employment etc are going to build up a pot outside of (but maybe in addition to) a pension.

So, each diary thread would have about one post a year then. How many people will keep that up over 40 years?

that's what i would find interesting to read.

It would bore the hell out of me. You put in place a structure, you follow it, rebalance, review targets and amounts and then put it to bed for a year and do the same in 12 months time.

I guess this comes back to those that want to live their lives on the internet vs those that dont.

But can see why its something that could be moved away from the pensions board entirely.

And that is what I hope happens. Although it will be sad if people use that section for asking questions and most of the regulars avoid that sub-section.