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My 23-year-old boyfriend wants to retire... now!

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Question - (7 September 2005) 7 Answers - (Newest, 9 September 2005)
A female , anonymous writes:

I am 21 and my boyfriend is 23. He has recently been talking about retirement and pensions and says he wants to retire NOW.

I can't understand why he is in such a rush to retire... and, retired at 23?? It sounds odd that someone would want to retire at 23. I'm confused.

I've talked to him about this, but he insists it's better to retire now than do 20 years or so of work.

What problems does he have??

Claire

xxx

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A female reader, daniella +, writes (9 September 2005):

it sounds a bit srange he if has the money to retire then do so but if he hasnt why you havent said much about his family i think you need to get out girl move on you dont want to be with someone who retired at 23. good luck

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A female reader, charliesgirl +, writes (8 September 2005):

I think in an ideal world we'd all like to retire at 23! We all joke about it but in truth many of us don't have the option of retiring at such an early age.

You haven't really given much background on your boyfriend. Is he heir to a fortune? A lottery winner? Or a brilliant entrepeneur? If he has fortunes then retirement will be an option for him. But bear in mind that the earlier he retires, the more capital he will need to live off.

If on the other hand your boyfriend is just an "ordinary" working bloke then he's a bit of a fantasist, but thinking about his future and pension is a sensible option.

If he has the money to retire, then all the best of luck to him- if he's just lazy and using "retirement" as an excuse to get out of work then don't waste too much time on him.

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A female reader, anonymous, writes (8 September 2005):

If he has a solid finacial background, good, sensible investments and is planning well with the assistance of a professional, then why shouldn't he retire as soon as he wants to? However, if he's just another schmo with a nowhere job (or no job!) and he wants a trip on Bludge Street, then leave, and leave NOW.

I agree with the young man who's 27 and financially comfortable. If he can afford it, more power to him! Just be extremely wary if your guy is making pronouncements about wanting to retire at 23 when he can't even afford to pay his rent...

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A male reader, anonymous, writes (7 September 2005):

If he is wealthy enough, I see no problem. I am 27 years old and "retired":- that is financially secure enough so that I no longer need to work. I worked hard for this though. Plus, I still have business interests to keep me occupied. People laughed just 3 years ago when I said I wanted to be retired by age 30. I have beaten that target comfortably so if your boyfriend can do the same I say... Go for it!

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A female reader, Delila +, writes (7 September 2005):

Hi Claire,

What problems are you going to have if you stay with a guy who does not want to work to earn a living? Are his parents rich, has he got lots of money saved up or has he decided he is going to sponge off other people for the rest of his life. He may be thinking that if he gets a really good job or works really hard for a while he may build up enough money to enable him to retire, thats different. If he is just talking about setting up a retirement fund then hold on to him cos he is a good one. A man or woman that does not want to work may be suffering from depression.

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A female reader, Delila +, writes (7 September 2005):

Hi Claire,

What problems are you going to have if you stay with a guy who does not want to work to earn a living? Are his parents rich, has he got lots of money saved up or has he decided he is going to sponge off other people for the rest of his life. He may be thinking that if he gets a really good job or works really hard for a while he may build up enough money to enable him to retire, thats different. If he is just talking about setting up a retirement fund then hold on to him cos he is a good one. A man or woman that does not want to work may be suffering from depression.

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A female reader, anonymous, writes (7 September 2005):

What kind of problems does he have? Lots. Lose him and find some one who lives in the real world.

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