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About Dave Hughes

My name is Dave Hughes. My goal is to help you envision, plan for, and ultimately enjoy the best retirement possible.

Two guys jumping

2014-02-01 Charles Darwin

I’ve now been retired for one month.  I’m still getting accustomed to my new routine.  To some extent, I’ve allowed myself to be unstructured and undisciplined for the sake of decompressing and enjoying my new-found freedom.

On the one hand, I know that I’m not getting as much done as I should, considering the list of things I have committed myself to and have been looking forward to doing once I retired.

On the other hand, I need to remember that one of the greatest joys of retirement is you have more freedom with your time and it’s okay to be unproductive some of the time, and just enjoy life.  The “shoulds” shouldn’t matter as much.

On numerous occasions when I have seen my friends over the past month, they have asked, “How’s retirement?”  My standard answer is, “Great!”  And I mean it!  I’m not riding a wave of post-work euphoria.  My days are remarkably down-to-earth, but I’m enjoying them.

At various points in my conversations with others about retiring, I’ve talked to some people who are unsure what retirement will be like, and they’re uncertain about whether or not they will really enjoy not working.  It’s safe to say that many people aren’t entirely sure what to expect.

So the other day, I sat down and wrote a list of all the things that I am enjoying about being retired.  And to be fair, there are a few things that are not so great, and I’ll share those too.

...continue reading "25 Great Things About Being Retired"

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2014-01-13 Betty Sullivan

Prior to December, I can’t recall that I have ever attended a retirement party held in the workplace. In fact, the only retirement party I can recall was a party for the father of one of my college buddies that took place soon after I graduated, and that one took place in their home.

My employer provides funding for retirement parties. This is probably not the case at many other companies, which may explain why many retirement parties happen privately, on a smaller scale, or not at all.

But in December, not only did I have my own party, but I was asked to serve as Master of Ceremonies for two other retirement parties – both for managers I had worked for. Of course, being the MC pretty much required me to be part of the planning process. So, in a few short weeks, I got a crash course on planning retirement parties.

In this post, I’ll share some of the things I learned and some suggestions for throwing a fun and memorable retirement party, as well as other ways to commemorate the end of a working career.

...continue reading "The Retirement Party"

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This question is usually first and foremost on people’s minds when they contemplate when they can retire and what sort of lifestyle they will be able to enjoy in retirement.  And it’s an important question – but one that’s not simple to answer.  Most important, there are a lot of other questions you need to ask – and answer – before you can answer this one.

First, an important disclaimer:  I am not a financial planner.  The purpose of the website is not to dispense investment advice.  I wholeheartedly recommend that you work with a good financial planner to find the best investment strategy for your circumstances.

Instead, the purpose of this website is to help you with all of the other considerations you need to think about in order to visualize, plan for, and ultimately enjoy a fabulous retirement.  But these topics are inextricably linked with financial concerns, so I will talk about money in these contexts.

The biggest concern I have with the vast majority of books, articles, presentations, and employer benefit plan communications, is that they don’t address these other questions.

If I told you, “In order to have a happy, comfortable life, you need to find a job that pays you $100,000 a year,” how would you respond?

You would probably tell me I’m full of crap, or at least you’d tell me that I’m being naïve and simple.  And you would be correct.  Why?

...continue reading "“How Much Money Do I Need to Retire?”"

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2013-08-02 Laurence Peters

I like the word “retirement.”  I always have, because the more I plan for and anticipate my retirement, the more optimistic about it I get.

Don’t get me wrong, it won’t be a panacea, any more than everyday life during our working years is.  There will be good days, bad days, and average days.  Good things will happen, bad things will happen, and sometimes it will seem like nothing is happening.

More than anything else, I am going to cherish my freedom, which will be there no matter what kind of day I might be having.

But the word “retirement” carries baggage for many people.  For many people, “retirement” screams “has-been.” 

Many people visualize retirement as those sad last few years of life, when your health deteriorates, you have little money, nothing to do, no reason to live, and you ultimately move into an assisted living or nursing home and die.  Most of the people you see are doctors and caregivers, and your primary mode of transportation is a motorized wheelchair.

People of this mindset would rather not think about their retirement at all.

Others have a hard time believing they will ever retire at all, probably because they believe they’ll never be able to save enough money.  To them, retirement is a cruel joke;  it seems like that luxury item in the store window that they will never have.

One of the main reasons I write this blog is to encourage people in either of the latter categories to visualize their retirement in a more optimistic, possibility-filled light.

...continue reading "Is It Time to Retire the Word “Retirement?”"

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2013-07-14 Simone de Beauvoir

I’m convinced that for many people, their retirement years end up being a lot like the preconceived notions of retirement that they held during their working years.

If you look forward to your retirement years as being vibrant, fulfilling, and happy – they will be. 

If you think retirement will be dull, boring, and beset with declining health – it probably will be.

...continue reading "Welcome to Retire Fabulously! How This Website Will Help You Live Happily Ever After"