QA：年纪轻轻就退休的人整天都在做什么？
正文翻译
What do people who retire at a young age do all day?
年纪轻轻就退休的人整天都在做什么？
What do people who retire at a young age do all day?
年纪轻轻就退休的人整天都在做什么？
评论翻译
Doug Massey
Here’s what I did after retiring at 41 (which I consider a young age, at least): I spent about a year sleeping in as late as I felt like, playing golf whenever I wanted and basically achieving my all-time record for low blood pressure. But it got a little boring, so I ramped up the time that I was spending on my other hobby: volunteering at an elementary school tutoring kids in math. Now, five years into retirement, I go into the school five days a week and LOVE it. I rarely get there when school starts at 7:45; I’m usually still in a bathrobe and on cup of joe #2 then. But I work about 25–30 hours a week and it’s just the best. I’ve started coaching the math team for grades 5–12 and set up a math club for precocious students to participate in over the summer.
So take time off and get away from the grind, get that huge grin on your face that just won’t go away. Then get bored, try a few different things, pick out one or two that you really like — that you’d really have done all your life if money were no obxt — and dive into it!
以下是我在41岁退休后做的事情(我认为至少还很年轻)：我花了大约一年的时间，想睡到多晚就睡到多晚，想打高尔夫就打高尔夫，基本上达到了我有史以来的低血压记录。但这有点无聊，所以我把时间花在了我的另一个爱好上：在一所小学当志愿者辅导孩子们的数学。现在，我退休5年了，我每周去学校5天，我喜欢这个工作。我很少在7:45开始上课时准时赶到那里；我通常还穿着浴袍，喝着咖啡上课。但我每周工作25-30个小时，这对我来说是最好的。我已经开始指导5-12年级的数学团队，并在夏天为优秀的学生建立了一个数学俱乐部。
所以，抽出时间，远离工作。让你的脸上布满笑容。然后当感到无聊的时候，尝试一些不同的事情，挑出一两个你真正喜欢的事情——如果钱不是问题，你真的会愿意做一辈子的事情——然后全身心的投入进去！
Here’s what I did after retiring at 41 (which I consider a young age, at least): I spent about a year sleeping in as late as I felt like, playing golf whenever I wanted and basically achieving my all-time record for low blood pressure. But it got a little boring, so I ramped up the time that I was spending on my other hobby: volunteering at an elementary school tutoring kids in math. Now, five years into retirement, I go into the school five days a week and LOVE it. I rarely get there when school starts at 7:45; I’m usually still in a bathrobe and on cup of joe #2 then. But I work about 25–30 hours a week and it’s just the best. I’ve started coaching the math team for grades 5–12 and set up a math club for precocious students to participate in over the summer.
So take time off and get away from the grind, get that huge grin on your face that just won’t go away. Then get bored, try a few different things, pick out one or two that you really like — that you’d really have done all your life if money were no obxt — and dive into it!
以下是我在41岁退休后做的事情(我认为至少还很年轻)：我花了大约一年的时间，想睡到多晚就睡到多晚，想打高尔夫就打高尔夫，基本上达到了我有史以来的低血压记录。但这有点无聊，所以我把时间花在了我的另一个爱好上：在一所小学当志愿者辅导孩子们的数学。现在，我退休5年了，我每周去学校5天，我喜欢这个工作。我很少在7:45开始上课时准时赶到那里；我通常还穿着浴袍，喝着咖啡上课。但我每周工作25-30个小时，这对我来说是最好的。我已经开始指导5-12年级的数学团队，并在夏天为优秀的学生建立了一个数学俱乐部。
所以，抽出时间，远离工作。让你的脸上布满笑容。然后当感到无聊的时候，尝试一些不同的事情，挑出一两个你真正喜欢的事情——如果钱不是问题，你真的会愿意做一辈子的事情——然后全身心的投入进去！
Buu Nguyen
I retired in February 2012 at 45 years of age. My wife and I moved to the Philippines with our 12 year old son. We chose the Philippines, because my wife was born there and my U.S. pension goes a lot further there than in Dallas, Texas.
Since we have a 12 year old at home, our lives were pretty much the same as it was back in Texas. I take our son to school, we help him with his homework, take a vacation or two every year, dine out, go to the theaters, amusement parks etc…
The biggest change is that I have more time to exercise and take care of my health. I can’t use work and being tired as an excuse to not workout anymore.
Fast forward to January 2020, and I’m in the best shape of my life at 53 years of age. I can bench 200 pounds, do 15 pull-ups, run 2 miles anytime, and I’m a better tennis player now compared to when I was playing on the varsity tennis team in high school. In a typical week, I lift weights 2-3 times, play tennis 2–3 times and do 5 one minute sprints on the treadmill 2–3 times. The rest of the week, I spend time with my family.
It’s very important to keep yourself busy with activities which you look forward to doing during your retirement. If not; you will become weak, lazy and start getting sick. This way of life is important whether you retire at 45 or 65. I’m blessed to be able to retire early, because I know it will add at least 5–10 healthy years to my life.
2012年2月，45岁的我退休了。我和妻子带着我们12岁的儿子搬到了菲律宾。我们选择了菲律宾，因为我妻子出生在那里，而我在美国的退休金在那里比在德克萨斯州的达拉斯要多得多。
因为家里有一个12岁的孩子，我们的生活和在德克萨斯时几乎一样。我送儿子上学，我们帮助他完成作业，每年休一两次假，出去吃饭，去看电影，去游乐园等等。
最大的变化是我有更多的时间锻炼并且照顾到我的健康。我不能再以工作和疲劳为借口不锻炼了。
快进到2020年1月，我53岁了，身体状况是我一生中最好的。我可以举200磅的重物，做15个引体向上，任何时候都能跑2英里，我现在的网球打得比我高中时和在大学网球代表队时打的更好。有一个星期，我举重2-3次，打了2-3次网球，在跑步机上做了2-3次1分钟的冲刺，剩下的时间，我和家人在一起。
让自己在退休后忙于自己想做的事情是非常重要的。如果不是自己喜欢做的事情；你会变得虚弱，懒惰，开始生病。不管你是在45岁还是65岁退休，这种生活方式都很重要。我很幸运能早点退休，因为我知道这至少能让我健康地多活5-10年。
I retired in February 2012 at 45 years of age. My wife and I moved to the Philippines with our 12 year old son. We chose the Philippines, because my wife was born there and my U.S. pension goes a lot further there than in Dallas, Texas.
Since we have a 12 year old at home, our lives were pretty much the same as it was back in Texas. I take our son to school, we help him with his homework, take a vacation or two every year, dine out, go to the theaters, amusement parks etc…
The biggest change is that I have more time to exercise and take care of my health. I can’t use work and being tired as an excuse to not workout anymore.
Fast forward to January 2020, and I’m in the best shape of my life at 53 years of age. I can bench 200 pounds, do 15 pull-ups, run 2 miles anytime, and I’m a better tennis player now compared to when I was playing on the varsity tennis team in high school. In a typical week, I lift weights 2-3 times, play tennis 2–3 times and do 5 one minute sprints on the treadmill 2–3 times. The rest of the week, I spend time with my family.
It’s very important to keep yourself busy with activities which you look forward to doing during your retirement. If not; you will become weak, lazy and start getting sick. This way of life is important whether you retire at 45 or 65. I’m blessed to be able to retire early, because I know it will add at least 5–10 healthy years to my life.
2012年2月，45岁的我退休了。我和妻子带着我们12岁的儿子搬到了菲律宾。我们选择了菲律宾，因为我妻子出生在那里，而我在美国的退休金在那里比在德克萨斯州的达拉斯要多得多。
因为家里有一个12岁的孩子，我们的生活和在德克萨斯时几乎一样。我送儿子上学，我们帮助他完成作业，每年休一两次假，出去吃饭，去看电影，去游乐园等等。
最大的变化是我有更多的时间锻炼并且照顾到我的健康。我不能再以工作和疲劳为借口不锻炼了。
快进到2020年1月，我53岁了，身体状况是我一生中最好的。我可以举200磅的重物，做15个引体向上，任何时候都能跑2英里，我现在的网球打得比我高中时和在大学网球代表队时打的更好。有一个星期，我举重2-3次，打了2-3次网球，在跑步机上做了2-3次1分钟的冲刺，剩下的时间，我和家人在一起。
让自己在退休后忙于自己想做的事情是非常重要的。如果不是自己喜欢做的事情；你会变得虚弱，懒惰，开始生病。不管你是在45岁还是65岁退休，这种生活方式都很重要。我很幸运能早点退休，因为我知道这至少能让我健康地多活5-10年。
Jeff Haverlack
I’ve read a lot of the answers and as you can see, the responses are quite varied and, in some cases, ridiculous if you ask me. But therein perhaps is your answer: early retired individuals do what they want to do. As I’ve long said about early retirement, it allows you to be more of who you are as a person, or in becoming who you’d like to be.
I early-retired as well, but waited until my early 50s. I could have retired sooner but unlike many others, I wanted to ensure I had my ducks in a row and everything planned well. I see many rushing into early retirement because they want out of the corporate rat-race. I’m also fearful of those much younger who call it quits because they may not have lived through a significant downturn in the economy or a bad market cycle like we had between 2000–2010. Just because you amass $1M or whatever you want as a threshold doesn’t mean it’s enough, especially if we encounter a bear market or a multi-year bear that can reduce investment balances by 30–50%. Once you add in no more income and withdrawals from the investments coupled with a significant % loss, you have a problem. For myself I had a minimum number and then took more time to ensure I had a good amount over that minimum.
So young in your question is relative. I’m young for retirement but not young like many others. What do I do with my time?
The cliche’ question of early retirement, at least for an active individual is: “How did I get everything done in a day before I retired?” and I found that question to be very true. Sometimes it’s amazing how busy I still am and how time flies. The reason for this is something I’ve nailed down as retirement time vs. employed time. That being when you don’t have an employer which takes up 8–10 hours a day including commute, sometimes more, you are free to do whatever you want and it’s very easy to get distracted for, sometimes, hours. Time can slip away very quickly due to simply a Google search followed by another 3–4 hours of research on the topic. When no one is scheduling your time or with nothing pressing, you are free to just let it pass … and it can very quickly. If you’re into gaming, combine that research with a game and now 6–7 hours can easily disappear very quickly. Not that much differently than when working. Activities, if you don’t limit them, can make time pass very quickly. I’ve found it’s best to break up the day to maximize it and slow down time.
The key for me was in that I have multiple hobbies and multiple interests/passions which I apply much of my energy to. This includes market/investment research, financial planning, a side business that I’m a partner in which I can do as much or as little as I like and other hobbies such as guitar, photography, wealth coaching to help others, wine, streaming shows with my wife, etc. Mix in other interests such as economics, astrophysics, fantasy football, writing and other interests and I always have areas of engagement as possibilities.
The key is that I try not to get over weighted in any one area and I’m not always successful. I also like to keep up on the house, garden, cleaning and general maintenance. Basically, I like my life in order and it takes care and feeding if I/you want to remain balanced.
I’m an early riser, usually between 4:30–5:00 AM every morning. Weekends and week days are of no mind now and, in fact, if anything I prefer to stay indoors on the weekend as that is when more people are out. Though Covid sure changed that.
I start each morning with a focus on being productive in some fashion and always by assessing the markets, my investments, identifying opportunities, etc. Then a little bit of time on the side business, looking at news, maybe researching some items of interest. I usually have a to-do list of items I’d like to get to, some shorter tasks and some much longer (project) based. The to do list helps guide me for the day to come so that I don’t forget what I need to do over items I want to do. That is how I stay balanced day in, day out. I’ve had to learn how to give myself grace when I don’t get as much done as I’d like but, I’ve also learned, and continuing to learn, how to redefine what productivity or unproductive time looks like. Mental health is important as well and priorities do change in retirement.
Engagement is important in my mind and in reading some of the responses, I question how successful some of the early retirees will be especially in that they have not witnessed or experienced periods of wealth decrease. Time will tell.
I like to exercise my mind and I’m taking more time to exercise my body along with it. Those avenues for engagement, whatever they may, allow me to stay sharp and ensure that the success I enjoyed previous to my early retirement is sustained through my retirement. In short, I use many of the same strategies and values I did before, but now I have the entire day to focus on MY life and new set of goals.
Don’t think for a second that I have it all figured out. I have figured out what works for me, mostly, but I’m still fine tuning, trying to add more benefit each day and embracing my failures so that I might learn from them and adapt. I actually enjoy failing, laughing at myself and using it as a springboard for learning. That is key for me and something I like to preach to others when given the opportunity.
Overall, early retirement is a different phase of life and each individual will have their own goals and aspirations. While I have my own path and variables in the equation which I feel are very important, others have their own. I do feel “engagement” is the key and that is a very personal process.
我看了很多回答，如你所见，人们的回答五花八门，如果你问我的话，我觉得有些人的回答很荒谬。但这也许就是你的答案：提前退休的人做他们想做的事。就像我一直说的，提前退休可以让你活的更像你自己，或者成为你想成为的人。
我也提前退休了，但一直等到50岁出头。我本可以更早退休，但不像其他许多人，我想确保我的工作有条不紊，一切都计划得很好。我看到很多人急于提前退休，因为他们想要摆脱公司的激烈竞争。我还担心那些更年轻的人辞职，因为他们可能没有经历过2000年至2010年的经济严重低迷或糟糕的市场周期。仅仅把你想积累100万美元或得到任何你想要的作为门槛，并不意味着这就足够了，特别是当我们遇到熊市或多年熊市时，这会使自己的投资额减少30-50%。
一旦你没有增加更多的收入并且从投资中赚到更多的资金，再加上显著的损失，那时候你就有问题了。对我自己来说，我有一个最小的目标，然后花了更多的时间来确保我的目标值超过这个最小的目标。
你的问题中这么年轻是相对的。我退休还早，但不像很多人那样年轻。我的时间都花在哪里了？
关于提前退休，有一个老生常谈的问题，至少对一个积极主动的人来说是这样的:“我怎么能在退休前一天内把所有事情做完？”我发现这个问题非常正确。有时我惊讶于自己仍然如此忙碌，时间过得也如此之快。原因是我已经确定了退休时间和工作时间的比例。也就是说，如果你每天要花8-10个小时(包括通勤时间)工作，有时还会更多，其余时间你就可以自由地做任何你想做的事情，而且工作时很容易分心，有时，好几个小时不在工作状态。
时间会飞快地流逝，因为简单的谷歌搜索，然后再花3-4小时研究搜索的主题。当没有人安排你的时间或者没有什么紧迫的事情，你就可以自由地让时间流逝，而且可以很快地过去。如果你对游戏感兴趣，将研究与游戏结合起来，那么6-7个小时很快就会流逝。这和工作没什么区别。如果你不限制自己的活动，时间就会过得很快。我发现最好的办法是把一天分成几部分，让时间最大化，让时间慢下来。
对我来说，关键是我有多种爱好和兴趣/热情，我投入了大量的精力。这包括市场/投资研究、财务规划、我是合伙人的副业，我可以做我喜欢做的事，也可以做其他事情，还有其他爱好，比如吉他、摄影、帮助他人进行理财指导、品葡萄酒、和我妻子一起看媒体节目等等。
再加上其他兴趣，比如经济学、天体物理学、梦幻足球、写作等等，我总能找到一些我能够参与的领域。
关键是，我尽量不在任何一个领域过度的花费时间，但我没有控制的很好。我也喜欢保养房子、养护花园、清洁房间等等。基本上，我喜欢有序的生活，如果我/你想保持平衡，这些生活也会给我带来好处。
我是个早起的人，通常在每天早上4:30-5:00之间起床。是否是周末或者工作日对我来说现在已经不重要了，事实上，如果有什么不同的话，我宁愿在周末的时候呆在家里，因为周末的时候外面有很多人，不过新冠病毒确实改变了这一点。
每天早上，我都以某种方式专注于提高自己的工作效率，评估市场、看看我的投资、识别机会等。然后花点时间做点副业，看看新闻，或者研究一些感兴趣的东西。我通常有一个待办事项清单，上面列着我想要完成的事情，有些是短期的任务，有些是长期的项目。待办事项清单帮助我指导接下来的一天的工作，这样我就不会忘记我需要做的事情，而不是我想做的事情。这就是我每天保持平衡的方法。当我没有完成我想做的事情时，我必须学会放宽心态，我学会了，而且还在继续保持这种心态，同时还要学会如何重新定义什么是高效时间，什么是低效时间。心理健康也很重要，这样退休后优先考虑的事情也会发生变化。
在我看来，参与是很重要的，在阅读一些回答时，我怀疑一些提前退休的人不会有多么的成功，尤其是在他们没有目睹或经历过财富减少的时期。
我喜欢锻炼我的大脑，我也会花更多的时间来锻炼我的身体。这些参与的途径，无论它们是什么，都能让我保持敏锐的思维，并确保我提前退休前享受到的成功在我退休后能够持续下去。简而言之，我使用了许多和以前相同的策略和价值观，但现在我有一整天的时间专注于我的生活和新的目标。
别以为我都想明白了，但我基本上已经知道了什么对我有用，当然我仍然在做微调，每天尝试增加更多的目标，同时也接受我的失败，以便我可以在过程中学习和适应。事实上，我很享受失败，自我反省，并把这个过程作为学习的跳板。这对我来说很关键，如果有机会，我也喜欢向别人宣扬这一点。
总的来说，提前退休是人生的一个不同阶段，每个人都有自己的目标和抱负。虽然我有自己的方式和改变，我觉得这很重要，但其他人也有自己的方式。我觉得“参与”是关键，这是一个非常个性化的过程。
I’ve read a lot of the answers and as you can see, the responses are quite varied and, in some cases, ridiculous if you ask me. But therein perhaps is your answer: early retired individuals do what they want to do. As I’ve long said about early retirement, it allows you to be more of who you are as a person, or in becoming who you’d like to be.
I early-retired as well, but waited until my early 50s. I could have retired sooner but unlike many others, I wanted to ensure I had my ducks in a row and everything planned well. I see many rushing into early retirement because they want out of the corporate rat-race. I’m also fearful of those much younger who call it quits because they may not have lived through a significant downturn in the economy or a bad market cycle like we had between 2000–2010. Just because you amass $1M or whatever you want as a threshold doesn’t mean it’s enough, especially if we encounter a bear market or a multi-year bear that can reduce investment balances by 30–50%. Once you add in no more income and withdrawals from the investments coupled with a significant % loss, you have a problem. For myself I had a minimum number and then took more time to ensure I had a good amount over that minimum.
So young in your question is relative. I’m young for retirement but not young like many others. What do I do with my time?
The cliche’ question of early retirement, at least for an active individual is: “How did I get everything done in a day before I retired?” and I found that question to be very true. Sometimes it’s amazing how busy I still am and how time flies. The reason for this is something I’ve nailed down as retirement time vs. employed time. That being when you don’t have an employer which takes up 8–10 hours a day including commute, sometimes more, you are free to do whatever you want and it’s very easy to get distracted for, sometimes, hours. Time can slip away very quickly due to simply a Google search followed by another 3–4 hours of research on the topic. When no one is scheduling your time or with nothing pressing, you are free to just let it pass … and it can very quickly. If you’re into gaming, combine that research with a game and now 6–7 hours can easily disappear very quickly. Not that much differently than when working. Activities, if you don’t limit them, can make time pass very quickly. I’ve found it’s best to break up the day to maximize it and slow down time.
The key for me was in that I have multiple hobbies and multiple interests/passions which I apply much of my energy to. This includes market/investment research, financial planning, a side business that I’m a partner in which I can do as much or as little as I like and other hobbies such as guitar, photography, wealth coaching to help others, wine, streaming shows with my wife, etc. Mix in other interests such as economics, astrophysics, fantasy football, writing and other interests and I always have areas of engagement as possibilities.
The key is that I try not to get over weighted in any one area and I’m not always successful. I also like to keep up on the house, garden, cleaning and general maintenance. Basically, I like my life in order and it takes care and feeding if I/you want to remain balanced.
I’m an early riser, usually between 4:30–5:00 AM every morning. Weekends and week days are of no mind now and, in fact, if anything I prefer to stay indoors on the weekend as that is when more people are out. Though Covid sure changed that.
I start each morning with a focus on being productive in some fashion and always by assessing the markets, my investments, identifying opportunities, etc. Then a little bit of time on the side business, looking at news, maybe researching some items of interest. I usually have a to-do list of items I’d like to get to, some shorter tasks and some much longer (project) based. The to do list helps guide me for the day to come so that I don’t forget what I need to do over items I want to do. That is how I stay balanced day in, day out. I’ve had to learn how to give myself grace when I don’t get as much done as I’d like but, I’ve also learned, and continuing to learn, how to redefine what productivity or unproductive time looks like. Mental health is important as well and priorities do change in retirement.
Engagement is important in my mind and in reading some of the responses, I question how successful some of the early retirees will be especially in that they have not witnessed or experienced periods of wealth decrease. Time will tell.
I like to exercise my mind and I’m taking more time to exercise my body along with it. Those avenues for engagement, whatever they may, allow me to stay sharp and ensure that the success I enjoyed previous to my early retirement is sustained through my retirement. In short, I use many of the same strategies and values I did before, but now I have the entire day to focus on MY life and new set of goals.
Don’t think for a second that I have it all figured out. I have figured out what works for me, mostly, but I’m still fine tuning, trying to add more benefit each day and embracing my failures so that I might learn from them and adapt. I actually enjoy failing, laughing at myself and using it as a springboard for learning. That is key for me and something I like to preach to others when given the opportunity.
Overall, early retirement is a different phase of life and each individual will have their own goals and aspirations. While I have my own path and variables in the equation which I feel are very important, others have their own. I do feel “engagement” is the key and that is a very personal process.
我看了很多回答，如你所见，人们的回答五花八门，如果你问我的话，我觉得有些人的回答很荒谬。但这也许就是你的答案：提前退休的人做他们想做的事。就像我一直说的，提前退休可以让你活的更像你自己，或者成为你想成为的人。
我也提前退休了，但一直等到50岁出头。我本可以更早退休，但不像其他许多人，我想确保我的工作有条不紊，一切都计划得很好。我看到很多人急于提前退休，因为他们想要摆脱公司的激烈竞争。我还担心那些更年轻的人辞职，因为他们可能没有经历过2000年至2010年的经济严重低迷或糟糕的市场周期。仅仅把你想积累100万美元或得到任何你想要的作为门槛，并不意味着这就足够了，特别是当我们遇到熊市或多年熊市时，这会使自己的投资额减少30-50%。
一旦你没有增加更多的收入并且从投资中赚到更多的资金，再加上显著的损失，那时候你就有问题了。对我自己来说，我有一个最小的目标，然后花了更多的时间来确保我的目标值超过这个最小的目标。
你的问题中这么年轻是相对的。我退休还早，但不像很多人那样年轻。我的时间都花在哪里了？
关于提前退休，有一个老生常谈的问题，至少对一个积极主动的人来说是这样的:“我怎么能在退休前一天内把所有事情做完？”我发现这个问题非常正确。有时我惊讶于自己仍然如此忙碌，时间过得也如此之快。原因是我已经确定了退休时间和工作时间的比例。也就是说，如果你每天要花8-10个小时(包括通勤时间)工作，有时还会更多，其余时间你就可以自由地做任何你想做的事情，而且工作时很容易分心，有时，好几个小时不在工作状态。
时间会飞快地流逝，因为简单的谷歌搜索，然后再花3-4小时研究搜索的主题。当没有人安排你的时间或者没有什么紧迫的事情，你就可以自由地让时间流逝，而且可以很快地过去。如果你对游戏感兴趣，将研究与游戏结合起来，那么6-7个小时很快就会流逝。这和工作没什么区别。如果你不限制自己的活动，时间就会过得很快。我发现最好的办法是把一天分成几部分，让时间最大化，让时间慢下来。
对我来说，关键是我有多种爱好和兴趣/热情，我投入了大量的精力。这包括市场/投资研究、财务规划、我是合伙人的副业，我可以做我喜欢做的事，也可以做其他事情，还有其他爱好，比如吉他、摄影、帮助他人进行理财指导、品葡萄酒、和我妻子一起看媒体节目等等。
再加上其他兴趣，比如经济学、天体物理学、梦幻足球、写作等等，我总能找到一些我能够参与的领域。
关键是，我尽量不在任何一个领域过度的花费时间，但我没有控制的很好。我也喜欢保养房子、养护花园、清洁房间等等。基本上，我喜欢有序的生活，如果我/你想保持平衡，这些生活也会给我带来好处。
我是个早起的人，通常在每天早上4:30-5:00之间起床。是否是周末或者工作日对我来说现在已经不重要了，事实上，如果有什么不同的话，我宁愿在周末的时候呆在家里，因为周末的时候外面有很多人，不过新冠病毒确实改变了这一点。
每天早上，我都以某种方式专注于提高自己的工作效率，评估市场、看看我的投资、识别机会等。然后花点时间做点副业，看看新闻，或者研究一些感兴趣的东西。我通常有一个待办事项清单，上面列着我想要完成的事情，有些是短期的任务，有些是长期的项目。待办事项清单帮助我指导接下来的一天的工作，这样我就不会忘记我需要做的事情，而不是我想做的事情。这就是我每天保持平衡的方法。当我没有完成我想做的事情时，我必须学会放宽心态，我学会了，而且还在继续保持这种心态，同时还要学会如何重新定义什么是高效时间，什么是低效时间。心理健康也很重要，这样退休后优先考虑的事情也会发生变化。
在我看来，参与是很重要的，在阅读一些回答时，我怀疑一些提前退休的人不会有多么的成功，尤其是在他们没有目睹或经历过财富减少的时期。
我喜欢锻炼我的大脑，我也会花更多的时间来锻炼我的身体。这些参与的途径，无论它们是什么，都能让我保持敏锐的思维，并确保我提前退休前享受到的成功在我退休后能够持续下去。简而言之，我使用了许多和以前相同的策略和价值观，但现在我有一整天的时间专注于我的生活和新的目标。
别以为我都想明白了，但我基本上已经知道了什么对我有用，当然我仍然在做微调，每天尝试增加更多的目标，同时也接受我的失败，以便我可以在过程中学习和适应。事实上，我很享受失败，自我反省，并把这个过程作为学习的跳板。这对我来说很关键，如果有机会，我也喜欢向别人宣扬这一点。
总的来说，提前退休是人生的一个不同阶段，每个人都有自己的目标和抱负。虽然我有自己的方式和改变，我觉得这很重要，但其他人也有自己的方式。我觉得“参与”是关键，这是一个非常个性化的过程。
Steve Smith
I'm 32 and I'm retired now.
I'll sleep in as much and as damn long as I like. My only concern in the beginning of the day is that the mailman bangs on the door at like 8:45am or some ungodly hour to deliver my parcels from my online shopping and that sometimes wakes me up but eventually I get back to sleep. I'll get up at 11am each day usually. Start my morning off with a cup of coffee and I'll sit down and watch the mid day news and find out what's happening in the world today.
I'll walk outside and into the garage and I'll put some music on in there and decide if it's going to be the Mustang or the FD RX-7 that I want to work on today. I'll crack a beer (no more than one or two per day though) and replace some brake pads or add a new spoiler or shifter or something else that's arrived earlier this morning with the mailman.
I stop at about 2pm to perform my daily mindfulness or meditation session upstairs in the garage in the gaming loft area. I hear the hum of lawn mowers around me as the really old retirees mow their lawns and have their gardeners doing it. The birds chirp. Sun is out. I hear hammering and a buzz saw off in the distances as new houses are being built the next street over. A school bell chimes faintly from the school a few blocks away.
I might get hungry so I'll take the Mustang out to get some food. Wave to the bewildered old neighbours in the driveway as I head out, because they all think I'm a drug dealer because they never see me go to work and the house is bristling with security cameras and I can pull a different car out of the garage 7 times a week if I want to. I don't mind what they think of me and it's kinda good to be thought of as scary.
我今年32岁，现在已经退休了。
我想睡多久就睡多久。每天刚开始的时候，我唯一担心的就是邮递员会在早上8点45分左右敲门，或者在某个不太合适的时间把我网上购物的包裹送来，有时会把我吵醒，但最终我还是会继续睡觉。我通常每天11点起床。早上从喝杯咖啡开始，然后坐下来看午间新闻，看看今天世界上发生了什么。
我会走到外面，进入车库，放点音乐，然后决定我今天要修的是野马还是FD RX-7。我会开一瓶啤酒(不过每天不超过一到两瓶)，更换一些刹车片，或者添加一个新的扰流器或换挡器，或者其他今早邮差送来的东西。
我在下午2点左右停下来，在楼上的车库游戏室区域进行我每天的冥想。当真正的退休老人修剪他们的草坪，并让他们的园丁做的时候，我听到周围的割草机的嗡嗡声，鸟儿的叫声。太阳出来了。我听到远处传来敲击声和锯木头的声，下一条街上正在修建新房子。几个街区外的学校里，隐约传来了学校的钟声。
我可能会饿，所以我要开着野马出去吃点东西。当我出门时，我会向车道上困惑的老邻居们挥手，因为他们都认为我是个毒贩子，因为他们从来没见过我去上班，家里到处都是监控摄像头，只要我愿意，我可以一周七次把不同的车从车库里拖出来。我不介意他们怎么看我，被人认为我是可怕，或者感觉我还不错。
I'm 32 and I'm retired now.
I'll sleep in as much and as damn long as I like. My only concern in the beginning of the day is that the mailman bangs on the door at like 8:45am or some ungodly hour to deliver my parcels from my online shopping and that sometimes wakes me up but eventually I get back to sleep. I'll get up at 11am each day usually. Start my morning off with a cup of coffee and I'll sit down and watch the mid day news and find out what's happening in the world today.
I'll walk outside and into the garage and I'll put some music on in there and decide if it's going to be the Mustang or the FD RX-7 that I want to work on today. I'll crack a beer (no more than one or two per day though) and replace some brake pads or add a new spoiler or shifter or something else that's arrived earlier this morning with the mailman.
I stop at about 2pm to perform my daily mindfulness or meditation session upstairs in the garage in the gaming loft area. I hear the hum of lawn mowers around me as the really old retirees mow their lawns and have their gardeners doing it. The birds chirp. Sun is out. I hear hammering and a buzz saw off in the distances as new houses are being built the next street over. A school bell chimes faintly from the school a few blocks away.
I might get hungry so I'll take the Mustang out to get some food. Wave to the bewildered old neighbours in the driveway as I head out, because they all think I'm a drug dealer because they never see me go to work and the house is bristling with security cameras and I can pull a different car out of the garage 7 times a week if I want to. I don't mind what they think of me and it's kinda good to be thought of as scary.
我今年32岁，现在已经退休了。
我想睡多久就睡多久。每天刚开始的时候，我唯一担心的就是邮递员会在早上8点45分左右敲门，或者在某个不太合适的时间把我网上购物的包裹送来，有时会把我吵醒，但最终我还是会继续睡觉。我通常每天11点起床。早上从喝杯咖啡开始，然后坐下来看午间新闻，看看今天世界上发生了什么。
我会走到外面，进入车库，放点音乐，然后决定我今天要修的是野马还是FD RX-7。我会开一瓶啤酒(不过每天不超过一到两瓶)，更换一些刹车片，或者添加一个新的扰流器或换挡器，或者其他今早邮差送来的东西。
我在下午2点左右停下来，在楼上的车库游戏室区域进行我每天的冥想。当真正的退休老人修剪他们的草坪，并让他们的园丁做的时候，我听到周围的割草机的嗡嗡声，鸟儿的叫声。太阳出来了。我听到远处传来敲击声和锯木头的声，下一条街上正在修建新房子。几个街区外的学校里，隐约传来了学校的钟声。
我可能会饿，所以我要开着野马出去吃点东西。当我出门时，我会向车道上困惑的老邻居们挥手，因为他们都认为我是个毒贩子，因为他们从来没见过我去上班，家里到处都是监控摄像头，只要我愿意，我可以一周七次把不同的车从车库里拖出来。我不介意他们怎么看我，被人认为我是可怕，或者感觉我还不错。
Rob Green
I retired at 45. Spent a couple of years traveling around Europe and Asia. Met a young lady while in Italy who stood there like a typical lost tourist, map open and a puzzled look on her face. Asked If I could help and, as it turned out, she was going to the same location I was. we exchange a bit of our histories She was teaching English in a private school in China. That really interested me. We exchanged emails with her promising to let me know if there was ever an opening in any of the owners schools. A few months went by and I sort of forgot about it. Then I received an email from her telling me there was an opening in the school she taught in. Was I still interested? Long/short, I ended up heading off to China to live in the Northeast near Russia. I taught one class of four and five year olds, another six to ten years old. The kids were scared and yet fascinated by me as I’m a lot taller than most Chinese and have a full beard. I had decided to leave when my six month contract was up. A lot of tears were shed on both sides when the kids found out. Went back to the states for a bit until the travel bug bite again and headed off to Europe again. While in Switzerland I met a guy and we hit it off. I’m now 65 and living with my partner in a house we bought in a small Swiss village. He’s a doctor, splitting his time between his office and the clinic at a university hospital. I spend my days caring for the flowers and garden during the growing seasons, taking walks around the village and in the forest with my camera and our dog. I do all the cooking (he can burn water) as well as putzing around with housework. Winter will find me in my chair next to the fireplace reading. I’m still, all these years later, trying to learn Swiss/French but I think it’s a lost cause.
我45岁退休。在欧洲和亚洲旅行了几年。在意大利遇到一位年轻女士，她像一个典型的迷路游客一样站在那里，地图打开了，脸上带着困惑的表情。我问她能不能帮上忙，结果她和我去了同一个地方。但我们一起走的时候，我们互相交谈了自己的过去，她在中国的一所私立学校教英语。这让我很感兴趣。我和她交换了电子邮件，承诺如果学校有空缺就告诉我。几个月过去了，我有点忘了这件事。
然后我收到了她的一封电子邮件，告诉我她任教的学校有个空缺。我还感兴趣吗？长话短说，我最后去了中国，住在靠近俄罗斯的东北地区。我教一个四到五岁的班级，另一个六到十岁的班级。孩子们很害怕，但又被我迷住了，因为我比大多数中国人高得多，还留着大胡子。6个月的合同到期时，我决定离开。当孩子们知道的时候，双方都流下了很多眼泪。回到美国待了一段时间，直到我又想出去旅行的时候，又去了欧洲。在瑞士的时候，我认识了一个人，我们很合得来。
我现在65岁了，和我的伴侣住在我们在瑞士一个小村庄买的房子里。她是一名医生，每天在办公室和大学医院的诊所工作。在植物生长的季节里，我每天都在照顾鲜花和花园，带着我的相机和狗在村子里和森林里散步。我负责做饭(他会烧水)，还会做家务。冬天我坐在壁炉旁的椅子上看书。这么多年过去了，我仍然在努力学习瑞士/法语，但我认为这是注定要失败的。
I retired at 45. Spent a couple of years traveling around Europe and Asia. Met a young lady while in Italy who stood there like a typical lost tourist, map open and a puzzled look on her face. Asked If I could help and, as it turned out, she was going to the same location I was. we exchange a bit of our histories She was teaching English in a private school in China. That really interested me. We exchanged emails with her promising to let me know if there was ever an opening in any of the owners schools. A few months went by and I sort of forgot about it. Then I received an email from her telling me there was an opening in the school she taught in. Was I still interested? Long/short, I ended up heading off to China to live in the Northeast near Russia. I taught one class of four and five year olds, another six to ten years old. The kids were scared and yet fascinated by me as I’m a lot taller than most Chinese and have a full beard. I had decided to leave when my six month contract was up. A lot of tears were shed on both sides when the kids found out. Went back to the states for a bit until the travel bug bite again and headed off to Europe again. While in Switzerland I met a guy and we hit it off. I’m now 65 and living with my partner in a house we bought in a small Swiss village. He’s a doctor, splitting his time between his office and the clinic at a university hospital. I spend my days caring for the flowers and garden during the growing seasons, taking walks around the village and in the forest with my camera and our dog. I do all the cooking (he can burn water) as well as putzing around with housework. Winter will find me in my chair next to the fireplace reading. I’m still, all these years later, trying to learn Swiss/French but I think it’s a lost cause.
我45岁退休。在欧洲和亚洲旅行了几年。在意大利遇到一位年轻女士，她像一个典型的迷路游客一样站在那里，地图打开了，脸上带着困惑的表情。我问她能不能帮上忙，结果她和我去了同一个地方。但我们一起走的时候，我们互相交谈了自己的过去，她在中国的一所私立学校教英语。这让我很感兴趣。我和她交换了电子邮件，承诺如果学校有空缺就告诉我。几个月过去了，我有点忘了这件事。
然后我收到了她的一封电子邮件，告诉我她任教的学校有个空缺。我还感兴趣吗？长话短说，我最后去了中国，住在靠近俄罗斯的东北地区。我教一个四到五岁的班级，另一个六到十岁的班级。孩子们很害怕，但又被我迷住了，因为我比大多数中国人高得多，还留着大胡子。6个月的合同到期时，我决定离开。当孩子们知道的时候，双方都流下了很多眼泪。回到美国待了一段时间，直到我又想出去旅行的时候，又去了欧洲。在瑞士的时候，我认识了一个人，我们很合得来。
我现在65岁了，和我的伴侣住在我们在瑞士一个小村庄买的房子里。她是一名医生，每天在办公室和大学医院的诊所工作。在植物生长的季节里，我每天都在照顾鲜花和花园，带着我的相机和狗在村子里和森林里散步。我负责做饭(他会烧水)，还会做家务。冬天我坐在壁炉旁的椅子上看书。这么多年过去了，我仍然在努力学习瑞士/法语，但我认为这是注定要失败的。
Pete Geissler
The short answer is that they do whatever they want. The longer answer is that they complain about being bored. The ideal, ethical answer is that they apply their expertise learned in, I hope, a satisfying and lucrative career to help others do the same.
I know persons who fit all the above slots. A neighbor retired in her mid-fifties from a job she detested and complains long and loud that she is so bored that the high point of her day is walking her dog. When I suggested that she write quoras, saying that--"everybody likes to write about themselves"-- she agreed but then did nothing, not even perusing my anthology of quoras. Ennui has taken over her life. Pity.
Not so a former marketing manager of a giant conglomerate. Soon after retiring in his early sixties, he began teaching marketing at a local university and was so successful that he was named 'teacher of the year' three years in a row. Now, at 80 and retired a second time, he starts the cocktail hour at 3PM with his beloved vodka and ends it at nine. He is updating a book that he wrote some twenty years ago and I have promised to publish it.
At 88, I hope to never retire in the traditional sense. I cannot play golf--can't drive, pitch, or putt, as my jocular friends say--and I refuse to move to a warmer clime. Who would I invite to lunch? I teach engineers to write via zoom, am writing two books, and coaching three other authors. My social life is as busy as I want it to be, but my cost for wine is far higher than I want it to be since I discovered that the only benefit of retirement is that it's Ok to have wine at every meal. If you haven't tried it, scrambled eggs and a good Pinot Noir make a fine breakfast.
简而言之，他们想做什么就做什么。更多的回答是，他们在抱怨感到工作很无聊。理想的、合乎道德的回答是，他们把自己所学到的专业知识应用到一份令人满意、利润丰厚的职业上，然后帮助其他人也获得这份职业。
我认识符合上述所有条件的人。一位邻居在五十多岁的时候从她讨厌的工作中退休了，她长时间地大声抱怨，她太无聊了，一天中最重要的事情就是遛狗。当我建议她写quora时，她说——“每个人都喜欢写关于自己的东西”——她同意了，但随后什么也没做，甚至没有仔细阅读我的quora选集。厌倦占据了她的生活。真是遗憾。
但一家大型企业集团的前营销经理却不是这样。在他60岁出头退休后不久，他开始在当地一所大学教授市场营销，他非常成功，连续三年被评为“年度教师”。现在，80岁的他再次退休了，下午3点喝他最爱的伏特加，晚上9点结束。他正在更新他大约二十年前写的一本书，我答应出版这本书。
88岁的我希望永远不要像传统意义上那样退休。我不会打高尔夫球——不会像我爱开玩笑的朋友们说的那样，开车、投球——而且我拒绝搬到气候更暖和的地方去生活。我该邀请谁共进午餐？我教工程师们通过zoom写作，目前正在写两本书，并指导其他三位作者。我的社交生活就像我希望的那样忙碌，但我买酒的成本远比我设想的要高，因为我发现退休的唯一好处是每顿饭都可以喝葡萄酒。如果你还没尝过，炒鸡蛋和上好的黑皮诺葡萄酒是一顿不错的早餐。
The short answer is that they do whatever they want. The longer answer is that they complain about being bored. The ideal, ethical answer is that they apply their expertise learned in, I hope, a satisfying and lucrative career to help others do the same.
I know persons who fit all the above slots. A neighbor retired in her mid-fifties from a job she detested and complains long and loud that she is so bored that the high point of her day is walking her dog. When I suggested that she write quoras, saying that--"everybody likes to write about themselves"-- she agreed but then did nothing, not even perusing my anthology of quoras. Ennui has taken over her life. Pity.
Not so a former marketing manager of a giant conglomerate. Soon after retiring in his early sixties, he began teaching marketing at a local university and was so successful that he was named 'teacher of the year' three years in a row. Now, at 80 and retired a second time, he starts the cocktail hour at 3PM with his beloved vodka and ends it at nine. He is updating a book that he wrote some twenty years ago and I have promised to publish it.
At 88, I hope to never retire in the traditional sense. I cannot play golf--can't drive, pitch, or putt, as my jocular friends say--and I refuse to move to a warmer clime. Who would I invite to lunch? I teach engineers to write via zoom, am writing two books, and coaching three other authors. My social life is as busy as I want it to be, but my cost for wine is far higher than I want it to be since I discovered that the only benefit of retirement is that it's Ok to have wine at every meal. If you haven't tried it, scrambled eggs and a good Pinot Noir make a fine breakfast.
简而言之，他们想做什么就做什么。更多的回答是，他们在抱怨感到工作很无聊。理想的、合乎道德的回答是，他们把自己所学到的专业知识应用到一份令人满意、利润丰厚的职业上，然后帮助其他人也获得这份职业。
我认识符合上述所有条件的人。一位邻居在五十多岁的时候从她讨厌的工作中退休了，她长时间地大声抱怨，她太无聊了，一天中最重要的事情就是遛狗。当我建议她写quora时，她说——“每个人都喜欢写关于自己的东西”——她同意了，但随后什么也没做，甚至没有仔细阅读我的quora选集。厌倦占据了她的生活。真是遗憾。
但一家大型企业集团的前营销经理却不是这样。在他60岁出头退休后不久，他开始在当地一所大学教授市场营销，他非常成功，连续三年被评为“年度教师”。现在，80岁的他再次退休了，下午3点喝他最爱的伏特加，晚上9点结束。他正在更新他大约二十年前写的一本书，我答应出版这本书。
88岁的我希望永远不要像传统意义上那样退休。我不会打高尔夫球——不会像我爱开玩笑的朋友们说的那样，开车、投球——而且我拒绝搬到气候更暖和的地方去生活。我该邀请谁共进午餐？我教工程师们通过zoom写作，目前正在写两本书，并指导其他三位作者。我的社交生活就像我希望的那样忙碌，但我买酒的成本远比我设想的要高，因为我发现退休的唯一好处是每顿饭都可以喝葡萄酒。如果你还没尝过，炒鸡蛋和上好的黑皮诺葡萄酒是一顿不错的早餐。
Anonymous
If you’re so fortunate to retire early, I highly recommend it. Having worked in tech, I’ve had quite a few friends retire early (< 55) and I can say that those who mainly wanted to not-work, got bored and aren’t really happier than they were while working. Often they even struggle with self worth issues, because they’re no longer contributing to something bigger than themselves. Those of us who always had passions (project ideas, volunteering, hobbies, etc.) that we just didn’t have time for while working, have thrived, cuz now, we can pursue them. I retired over three years ago (age 51 then) and I can honestly say I’ve not been bored more than a few days. I work 20+ hours/week on open-source software projects, I volunteer with Habitat for Humanity once per week, I tutor/mentor programming students. I write and play music. I enjoy nature with friends and family. I grow vegetables and cook more. I enrich my mind by reading those books I’ve collected through the years and take college courses online. And you know? There’s still not enough time for everything I want to do. But I love life and feel incredibly fortunate. After Covid struck, I wasn’t able to volunteer for 9 months. During those times, I wasn’t so happy, because I was missing personal connection and purpose. Make sure you have a plan to provide those social needs and share your good fortune with others who aren’t so fortunate.
如果你很幸运能早点退休，我强烈建议你早点退休。在科技行业工作过的我有不少朋友都很早就退休了(55岁以下)，我可以说，那些不想工作的人在工作的时候会感到无聊，但现在他们并没有真正地比工作时更快乐。他们甚至经常对自我价值问题进行争论，因为他们不再专注于比自己更重要的事情。我们当中那些一直有激情(项目创意、志愿活动、爱好等)但因为工作原因，没有时间去做这些的人，现在都成长了，因为现在，我们可以追求自己想做的事情了。
三年前我退休了(当时51岁)，我可以诚实地说，我每天都很充实，没有感觉到无聊。我每周在开源软件项目上工作20多个小时，我每周做一次志愿者，我指导学生编程。我写作和演奏音乐。我和朋友家人一起享受大自然。我种植蔬菜并做饭。我通过阅读这些年来我收集的书籍和在线上大学课程来丰富我的思想。你知道吗？我还没有足够的时间做我想做的事。但我热爱生活，感到无比幸运。新冠肺炎爆发后，我有9个月不能做志愿者。在那些时候，我不是很开心，因为我缺少人际联系和自己的目标。确保你有一个计划来满足这些社交需求，并与那些没那么幸运的人分享你的经历。
If you’re so fortunate to retire early, I highly recommend it. Having worked in tech, I’ve had quite a few friends retire early (< 55) and I can say that those who mainly wanted to not-work, got bored and aren’t really happier than they were while working. Often they even struggle with self worth issues, because they’re no longer contributing to something bigger than themselves. Those of us who always had passions (project ideas, volunteering, hobbies, etc.) that we just didn’t have time for while working, have thrived, cuz now, we can pursue them. I retired over three years ago (age 51 then) and I can honestly say I’ve not been bored more than a few days. I work 20+ hours/week on open-source software projects, I volunteer with Habitat for Humanity once per week, I tutor/mentor programming students. I write and play music. I enjoy nature with friends and family. I grow vegetables and cook more. I enrich my mind by reading those books I’ve collected through the years and take college courses online. And you know? There’s still not enough time for everything I want to do. But I love life and feel incredibly fortunate. After Covid struck, I wasn’t able to volunteer for 9 months. During those times, I wasn’t so happy, because I was missing personal connection and purpose. Make sure you have a plan to provide those social needs and share your good fortune with others who aren’t so fortunate.
如果你很幸运能早点退休，我强烈建议你早点退休。在科技行业工作过的我有不少朋友都很早就退休了(55岁以下)，我可以说，那些不想工作的人在工作的时候会感到无聊，但现在他们并没有真正地比工作时更快乐。他们甚至经常对自我价值问题进行争论，因为他们不再专注于比自己更重要的事情。我们当中那些一直有激情(项目创意、志愿活动、爱好等)但因为工作原因，没有时间去做这些的人，现在都成长了，因为现在，我们可以追求自己想做的事情了。
三年前我退休了(当时51岁)，我可以诚实地说，我每天都很充实，没有感觉到无聊。我每周在开源软件项目上工作20多个小时，我每周做一次志愿者，我指导学生编程。我写作和演奏音乐。我和朋友家人一起享受大自然。我种植蔬菜并做饭。我通过阅读这些年来我收集的书籍和在线上大学课程来丰富我的思想。你知道吗？我还没有足够的时间做我想做的事。但我热爱生活，感到无比幸运。新冠肺炎爆发后，我有9个月不能做志愿者。在那些时候，我不是很开心，因为我缺少人际联系和自己的目标。确保你有一个计划来满足这些社交需求，并与那些没那么幸运的人分享你的经历。
Big Tom
I have friends that have retired early. The stories are all about the same. Take time off to do whatever and travel for a year or so and the. Realize your wife and friends all still have jobs and you are alone in most activities unless you find someone else in a similar situation.
我有一些朋友很早就退休了。经历都是一样的。抽出时间去做任何自己想做的事情，旅行一年左右。但你要意识到你的妻子和朋友都有工作，除非你找到其他和你一样的人，否则你在大多数活动中都是独自一人。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
I have friends that have retired early. The stories are all about the same. Take time off to do whatever and travel for a year or so and the. Realize your wife and friends all still have jobs and you are alone in most activities unless you find someone else in a similar situation.
我有一些朋友很早就退休了。经历都是一样的。抽出时间去做任何自己想做的事情，旅行一年左右。但你要意识到你的妻子和朋友都有工作，除非你找到其他和你一样的人，否则你在大多数活动中都是独自一人。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
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