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What are the downsides and drawbacks of retirement?

Discussion in 'Retirement' started by Startedin82, Aug 13, 2017.

  1. plot71

    plot71 New commenter

    Other than the income reduction being the only real negative there seems to be little to say against it for me. Daughter just started Uni, ex and house now paid off..... exhale and relax ready for interesting futures.
  2. eljefeb90

    eljefeb90 Senior commenter

    The stock disclaimer 'everyone's circumstances are different' obviously holds true, but my retirement came just after I made my final mortgage payment, so the net income reduction wasn't that great. With the chicks largely flown the nest, the lump sum as well as AVCs and the availability of part-time work, I have never felt so financially secure. Yet this is what I was most worried about when contemplating taking early retirement. That nagging imperative to pay the bills and keep your family's collective heads above water is nicely covered by an inflation-proof pension, with the state pension supplementing it in the future. I would advise anyone 55+ with 30 plus years accrued to take ARB, especially if they are mortgage -free.
  3. foroff2233

    foroff2233 New commenter

    Wise words until the last sentence, eljefeb90. By all means, if things at school are very stressful, this might be the best course of action. If however you are not totally consumed by the job and can easily switch off at home- I never attended a school play in the 39 years I taught, for example- accumulate the maximum pension if you can.Teachers hand over too much of their lives to this unforgiving public service.
    thistledoo, eljefeb90 and seasoned like this.
  4. the hippo

    the hippo Lead commenter Community helper

    For many teachers, I think that early retirement is probably a combination of "push" and "pull" factors: things that make you want to leave the classroom and things that make retirement attractive. Recently I have been coming home after a long school day and - guess what? - I still have another hour or two of marking to be done. Yes, it was always the case, but somehow it seems more tiresome and time-consuming as one nears retirement.

    C.I.S. Yes, maybe it is not as bad as OFSTED, but that is a bit like saying that V.D. is not as bad as the Black Death. Recently I found out that OFSTED stands for "Overpaid F*****s Shafting Teachers Every Day". So what does C.I.S. stand for? "Completely Irrelevant Silliness"? Or "Cunning International Swindle"? And yes, C.I.S. means more MEETINGS. What a surprise!
    thistledoo likes this.
  5. thistledoo

    thistledoo Senior commenter

    I have found that there are no 'drawbacks' to retirement from the current school climate.
    I do miss certain aspects of the job, colleagues and students but I found I had little time to socialise/ chat in the last two years... even building a rapport with students was marginalised when chasing targets and putting new strategies in place.
    Alice K, emerald52 and eljefeb90 like this.
  6. eljefeb90

    eljefeb90 Senior commenter

    Absolutely spot on! The fun had been really squeezed out of every aspect of the job. Relentless pressure made everyone frazzled and overworked with no time for proper human engagement. This atmosphere made staff/student relations more tense. The lazy boy who never did his homework and didn't respond to sanctions, cajoling, chats with parents remained very much your problem as his lack of engagement was seen as reflecting your teaching. Multiply him by 3 or 4 or more in each class and bang go your targets. Treating teenagers as data items is at the root of low morale, increasing behaviour problems and poor mental health in today's system.
    emerald52 and thistledoo like this.
  7. thistledoo

    thistledoo Senior commenter

    I so agree. What a shame it 'all' is!

    I'm waiting for someone to explain to me how any teacher will make it to the new retirement age in the new system when academies do not seem to favour staff over 57 or those on top of scale with good salaries. The younger staff who I worked with were all aiming to pay off their mortgages early, just in case!
    eljefeb90 and emerald52 like this.
  8. binaryhex

    binaryhex Lead commenter

    I went out with a friend last weekend, who so far this year has had a month skiing in Poland, six weeks touring the Scotland 500 route, a couple of weeks cycling in the Orkneys, two months walking in Spain, a month in Greece and was leaving in December for Vietnam until January, when a new cycle will begin, starting with Skiing in Italy in February. I’m doing my best to keep up!

    Teaching is horrible in many UK schools now, with workload out of control. But the behaviour of children these days and the stupidity of SLT making every excuse under the sun to excuse their behaviour and not deal with it was the final straw for me. I was going home exhausted every day and not functioning like a human anymore.

    If you do the sums, work out the outgoings and incomings, take into account savings, investments, bills, car, kids etc, and you find you have more than a £1000 a month to spend after all deductions and are over 55, leave immediately and live again. It’s more than enough.
    Alice K and thistledoo like this.
  9. Guest

    Guest Guest

    I suspect very few of us have £1000 a month clear after all commitments!!! In addition most do not have excessive savings. I also assume that the person binaryhex is referring too has in addition to plentiful resources, a perfect house that maintains itself, no family commitments and only wishes to please himself or herself. Some posts on here I think overestimate benefits and the wonderful life that lies ahead. Guess though that quite a few retired teachers are married middle class with two decent pensions and inherited wealth to look forward too as well as the buy to lets. I have been retired nearly 4 months with a reasonable pension and single. However have been very busy sorting house and garden, caring for mum and grandmother as well as extended family of all ages. I don't see how all other responsibilities simply disappear at retirement. The only plus is that not having to work I have the time to cope with these demands. At the moment fortunate to have time to walk the dogs! Have a short break booked for next March and a longer one next June. Sorry but I think this thread needs a little balance.
    tall tales and Sundaytrekker like this.
  10. Piranha

    Piranha Star commenter

    We can only post what is true for us. Retirement has suited me entirely, but that is not going to be everyone's experience. Yes, the issue of family to care for is still there, but retirement makes that easier to deal with. I am not sure how I would have coped with some of these pressures if I were still working.

    Feel free to provide balance - that comes from different people sharing what is true for them.
    thistledoo and eljefeb90 like this.
  11. stopwatch

    stopwatch Lead commenter

    Hello Paul, you are retired and look after your Mum and Grandmother. I am guessing your Grandmother must be a fair age as I assume you must be near to 60 years old.
    I hear what you are saying about not all having that golden income. I empathise with your situation - it must be quite difficult. Without going into detail, I could have potentially been in a similar situation but was lucky enough - with a bit of personal planning - to go down a different route and look overseas to create a better retirement situation.
    I think however that you are being a bit unfair describing posters as 'married middle class with two decent pensions and inherited wealth to look forward too as well as the buy to lets'. If both have pensions it is because they have worked for them. Middle Class? why are they middle class? because they are teachers? that must make you middle class too - correct?
    I lived in a council flat, went to a state school, have never inherited anything from anyone and everything that I own is purely due to the decisions I have made and the hard work I have put in. I am however in a similar situation to the people you describe.
    It may be upsetting/frustrating to be in your situation and read posters here enjoying their situation, but I think you are being a bit harsh.
  12. Dodros

    Dodros Star commenter

    I think we need to remember that the title of this thread is "What are the downsides and drawbacks of retirement?" I responded accordingly in the early stages of the conversation, focusing on finances, health, ageing and narrowing of the social circle as potential downsides and drawbacks of retirement. I'm not sure it is entirely helpful to the OP if we paint an idyllic image of retirement and ignore altogether any aches, pains and niggles that go with older age.
    tall tales likes this.
  13. stopwatch

    stopwatch Lead commenter

    ..... and threads have a tendency to meander through many variations on a theme. I think it is OK to talk about the many positives in response to the OP questions.
    There are many contributions which also give a balanced response - including the negatives (including one of my previous responses) - but it is nice to see that the majority do see it as a positive phase of life.
    And while we are at it - negatives (other than the ones I have written in previous replies):
    1- Some aches and pains - but accepting that this is part of life
    2 - knowing that you are likely in the latter part of the second half of the 'game' that is life
    3 - Wishing that you had the youth to be able to fully enjoy the benefits of the positives of retirement
    4 - Boredom - if you don't plan things properly
    5 - Can't think of any more - sorry :):(;)
    thistledoo and Dodros like this.
  14. eljefeb90

    eljefeb90 Senior commenter

    But isn't it a major positive that you have time to deal with family responsibilities, instead of working obscene hours and feeling guilty about neglecting your family commitments? I really appreciate that I no longer have to put things on the back burner, even minor home repairs or helping out my family, because teaching consumed so much time and energy. It all depends on how good or bad your work conditions were prior to retirement. Mine were extremely stressful and certain to get even worse, so it was such an incredible relief to leave it all behind. I can quite imagine that if your work conditions were tolerable or better, that you could miss the buzz of the classroom and the fatter pay cheque.
    Alice K and thistledoo like this.
  15. Guest

    Guest Guest

    I would like to make it clear that I am not upset nor frustrated with my situation. I am just being realistic. Unfortunately my
    grandma died two days ago at the grand age of 102, so things will ease a little on all family members. Nor am I resentful or envious of the plans/travels etc... of others. Each to his/her own. I think I was trying to make the point that some of the postings on here are not typical of the situation of most retired teachers. Of course I value the extra time I have away from work responsibilities. However I was fortunate, again unlike some posters, to have had a very enjoyable career for 36 years, teaching in several schools from class teacher right through to assistant vice principal and back again!! Not always easy and certainly stressful at times, but overall worthwhile. I will continue to do exam invigilation and occasional supply at my last school. I am far from being a bitter and twisted retired teacher. In fact I am healthy, positive and attractive lol!!
    Take care everyone.
    Last edited by a moderator: Nov 2, 2017
  16. marlin

    marlin Star commenter

    My condolences on the passing of your grandmother @no longer a user That's certainly a grand age to reach - 102!
    thistledoo and tall tales like this.
  17. thistledoo

    thistledoo Senior commenter

    You have my condolences too for the death of your Grandmother @no longer a user.

    I do have a 'downside'/ 'drawback' to retirement but it is very personal to me and didn't think it warranted a mention but because of your post no. 89 - I will share. I brought my illness 'home' with me after retring but I am trying not to let it define me or my retirement.
    My husband is not a teacher and was made redundant ten years ago, at that time I was caring for my parents, one who had Alzheimer's. They are not here anymore - both died some years ago. Working and caring is not a situation I would choose to go back to, it was physically and emotionally draining, it also took some time to get over particularly as life throws other things at you at the same time.
    We planned for retirement and because of that we have been able to pay off the mortgage etc. We still had doubts and concerns before I retired. Retirement was the best thing for me/ us.

    With respect, I feel you assume too much - I don't have a perfect house, family commitments or a wonderful life - but retirement is working for me and mine, I'm out of the current school climate pleasing myself (to a degree!) at home, enjoying life at my own pace (touch wood).
  18. Sally_90

    Sally_90 Occasional commenter

    thistledoo and frangipani123 like this.
  19. Sally_90

    Sally_90 Occasional commenter

    I haven't got anywhere near £1000 clear per month-no need; no car,no mortgage and I'm happy.

    I feel a very strong empathy for @thistledoo here. I had been the breadwinner for about 17 years,and although able-bodied,my husband has been in poor health all that time and it was having repercussions on my work life; a constant flow of hospital appointments,disturbed sleep,spells in hospital via emergency admission,etc etc.My own mental health was affected.

    Now I've retired fully,a huge weight has been lifted.I no longer have to worry about keeping up with the ever-increasing ridiculousness of the job-even part time,and I can now take each hospital trip in its stride without having to grovel for time off.It's all good,and I think that it's helping my husband a great deal too because I am happier.

    And here's another upside;I've just been checking through some kitchen cupboards and I realised that there won't be anymore 'World's Greatest Teacher' or Christmas Mugs to add to the collection!!
  20. thistledoo

    thistledoo Senior commenter

    I am so pleased you are no longer compromised between your home and family @sally90 , I understand the relief. I remember having to go and ask if I could be excused for some time during a training day because my Father had an appointment with his mental health consultant (I was his main named carer). I can't describe the emotions when the Head and Deputy discussed the pro's & cons in front of me... starting with 'we have all had elderly parents you know' (from the deputy) ending with, 'I know you are conscientious and will make up the time and cover any training you miss' (from the Head).
    It was a taxing time...my husband and my Mum were also ill and I was main carer for them also!

    I left my Christmas mugs at school!
    sally90, emerald52 and frangipani123 like this.

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