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Old 02-24-2012, 08:21 AM   #29
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Home Equity interest only in late stages. It's deductible. Get a term life in case of early retirement from retirement, if you know what I mean.
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Old 02-26-2012, 11:09 AM   #30
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Quote:
Originally Posted by BlueGekko View Post
Thanks again to all who responded. Full Monte, I think you've probably nailed my problem. Psychological insecurity regarding leaving a 45 year habit of traditional employment and income to one relying solely on investments and day-to-day jobs. I'm sure we can live on the road on 2/3 of our full time income but I'm a planner at heart. I can't take such a big step without planning and at least achieving a confident assurance that we'll be able to support ourselves while on the road. Don't want to cut employment ties unless I'm sufficiently confident that I won't have to recross the bridge I just burned. I'm sure everyone goes through this stage and that everyone has to learn the same way. For those who provided a response re: a reverse mortgage, again, thanks. In my excitement to research my next RV and the prospect of hitting the road, I overlooked the reality that a reverse mortgage is actually a . . . mortgage and if I don't make payments on the principal, the interest continues to accrue to the point, within a very few years, that accumulated interest is more than the value of my home. Don't know how I could have overlooked that. HE loan, if any loan, is the best way to go. Thanks again to the wise members here.
I went through a long period of psychological adjustment after I got laid off. I really associated my work with my identity. It took me a long time to realize that my job wasn't my life...it was how I financed my life. Now I spend time learning other ways to finance my life and to heck with all the titles and other stress-producing work stuff. You will make it. Worry less by getting out on the road and finding a nice bunch of people in some great campgrounds.
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Old 03-02-2012, 10:02 PM   #31
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Originally Posted by Full.Monte View Post
I went through a long period of psychological adjustment after I got laid off. I really associated my work with my identity. It took me a long time to realize that my job wasn't my life...it was how I financed my life. Now I spend time learning other ways to finance my life and to heck with all the titles and other stress-producing work stuff. You will make it. Worry less by getting out on the road and finding a nice bunch of people in some great campgrounds.
I went through major adjustment when I retired was used to being on call 24/7, carried cell phone and laptop even on vacation. I had nearly a hundred people working for me and used to stress all day. Then all of a sudden nothing but time on my hand. I think after 3 years I am finally adjusting and we are ready to take on RVing full time. Still looking but anxious to make the leap.
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