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I am back to talk about retirement. In my previous post, I must confess, I was totally wrong. Nobody should worry about where to retire. Most people worry about how to finance a happy retired life, i.e., do I have enough money to see me through my retired days? They are on the right track when they think about that, but then again they follow the wrong path to make the calculations. They start with the dollar amounts ... WRONG!!!

I just advised a friend by e-mail about retirement. I thought I should put it up on the AARP site for the benefit of those people who are thinking of retiring. So I am quoting below, after a bit of editing to hide personal information, what I wrote to my friend. I think those who will take my advise, will make it easy to retire. Now read what I wrote to my friend:

"I live in Boston and I'll stay here after I retire. I lived here for about 30 years, have a house here, and have my own (same) doctor here for the same length of time. I do not want to move to an unknown place after retirement and look for new accommodation, new singles bars, new girl friends, new doctor etc. It is all wrong, so far as I am concerned. And don't count your money first for retirement calculations. Count how many years you have to live after retirement. Start from your family members' longevity (grand parents, parents, uncles etc.), then look at your health, your bad habits, eating and exercise habits, body weight, body mass index, medical history of self (have had heart attack?) and family (mother had breast cancer?), chronic illnesses (high blood pressure, high cholesterol, diabetes, arthritis), etc.

Based on the above, I am likely to die at 72. My doctor also thinks that way unless I start walking 4 miles everyday (which I am NOT going to do -- I have better things to do). I have saved enough money to live another 4 years. I am 68 now. So I am retiring in April, '09. After that I shall devote my entire time finishing those incomplete web sites that are residing in my computer for the last 5 or so years, upload more photos to Worldisround.com and Flickr, and will make unbelievable videos to upload to YouTube!!!!

I can't wait to do these exciting things. I wish there were more hours in a day. Most Americans worry about passing time after retirement! I don't. I feel I still would not have enough time to do what I want to do. But at least I'll have more time then than what I have now."

Shoban Sen
http://bestnetguru.com/