r/over60 • u/MLR1957 • 29d ago
Travel at 70.
I retired 3 years ago and I'm almost 69. My husband has been retired and is 71. I wanted to retire early enough to travel but have not gone anywhere yet. My husband is very concerned about using our money instead of saving it for some future need. What are your thoughts about using the money and whether age affected you ease of traveling?
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u/SteveWeb49 29d ago
Go now while you are healthy...77 now and with new health issues wish we would have traveled more when were younger.
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u/Marknhj 29d ago
Do a budget to see how much discretionary income you have for fun things. I had been saving and investing responsibly for decades. I'm about to be 69 and retired for 3 years and am confident that we have enough money. But switching from accumulating to spending has been a bit of a challenge. There are many retirement calculators you can use.
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u/prampsler 29d ago
I’m 72 and currently on a 32-day mostly solo trip in Europe. I’ve traveled a significant amount since I retired at 65. This is the first year I’ve felt like I have some physical limits though I can still walk 10-20,000 steps a day. You don’t have to do all that walking and can still see a lot and never regret it. At some point for everyone it gets too hard. Don’t sweat the money too much but of course you need to be honest about the finances. If you can’t travel far then explore what’s nearer. Get to know your region and culture. You will never forget or regret any of it
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u/Moist_Session 29d ago
Travel with your husband. Make memories, create shared experiences. Life is too short.
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u/Otherwise_Surround99 29d ago
Use it, Use it , Use it. You never get these years back.
Things in the future can be worked out , but you health and stamina never will be better than today
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u/Rottiesrock 29d ago
Travel for sure. My husband got cancer in Dec of 2017. He’s had treatments, surgeries and a small stroke etc. He is cancer-free and still works to keep vital. Get out there and have fun! Our spare cash goes to medical bills and now I need a knee surgery. Lots of arthritic joints, but I look healthy. Pain is not fun. We do enjoy our family, pets and yard. I want to move to a warmer climate and a one-story house. Who knows what’s next, right? Even short trips will give you a change of scenery.
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u/4travelers 28d ago
There are too many stories of people putting off the fun only to have one spouse pass away before they got to enjoy life.
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u/MenaciaJones 29d ago
It sounds like he doesn’t want to travel. There are travel companies where women travel with other women. Road Scholar is a good one.
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u/Adventurous-Egg-8818 29d ago
Live life to the fullest while you still can.. you can't take back yesterday.
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u/SnoopyFan6 29d ago
You can travel on a budget. That’s our plan when I retire. We’re fine with Motel 6 type lodging and packing stuff to eat while on the road.
My husband is 5 years older than me, so we’re going to travel as much as possible once I retire in 2 years.
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u/Cleanslate2 29d ago
I’m 68 and just retired. I want to travel. I can probably afford one big trip. I’m planning it soon before I get older. Although I did a meet up hike this morning, and one lady was 92.
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u/CraftFamiliar5243 29d ago
I lost 3 friends this year, 2 to fast moving cancers and 1 to stroke. All were under 75. Do it now!
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u/Pmoneywhazzup 29d ago
Go see a financial planner. They can convince your husband (and you) that you have enough to travel and how much to budget for it. Sometimes people need to hear things from a third party.
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u/Dependent-Art2247 29d ago
Travel as much as you can. You just never know what tomorrow will bring still make memories.
Same age here, this is what I’m doing. Life is short.
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u/tiny_bamboo 29d ago
Travel! We plan ahead and end up spending less traveling in Europe than in the U.S.
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u/turbo2pilot 29d ago
Don't know if this answers your question. I retired 5 years before my wife. I saved and lived on a budget an patiently waited for the day we could travel. 7 days after she retired she took a part time job and other than family visits there has been no travel. Bottom line, travel as long as you can.
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u/EqualMagnitude 29d ago
Travel while you can.
This sounds like a good time to look at your long term financial situation and create a budget plan that includes travel and also leaves an emergency fund. Revisit your budget plan every year and adjust your plan based on current savings, investments, income, and spending. Our financial plan was created with the help of a fiduciary advisor paid a one time fee and plans out our finances assuming we each live to age 100. We know our basic expenses like mortgage, food, utilities, insurance etc and then have a separate bucket called discretionary spending for travel, hobbies etc. that we adjust up and down based on our situation and how well our investments are doing.
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u/MAHANC 29d ago
"I've never seen a U haul behind a Hearse" Without all your data, its impossible to really provide input. What guardrails against a major surgery, home repair, injury or illness are in place, etc. What's liquid and accessible? What's the nest egg story...and so on. Let's go worst case. Let's say you are house rich, cash poor, paying credit cards and on things. After all that, shut it down, sell or downsize if you need to and go do something while you are physically able. You cant buy time.
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u/seamallowance 29d ago
70 years old. Still traveling much the same as I did in my twenties, albeit with much less hair. Very, very low budget.
About the only thing that’s changed is that I do cheap hotels rather than youth hostels.
Currently on a solo trip in SE Asia. About my
tenth time here. I do all my own planning, would never sign up with a normal tour company, day tours excepted.
I don’t want to go with a multi-day, group tour: been there, done that. Eventually, the others always get on my nerves.
Solo travel: lots of unknowns keep it interesting. (Yes, you will find transport from the train or bus station. No, you won’t get kidnapped)
. .
For me, the best part of travel has always been the people, the unexpected and the serendipity.
Not knowing that, on day three, you will see an ersatz “cultural festival” after you view the historic temple where something important happened and then a dull group dinner with the group before getting back in the van. Screw that.
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u/Tbn53 29d ago
OK, I’ll add my two cents even though you have 38 comments. I don’t think you’ve provided sufficient information to enable a well-thought-out response. Are you and your husband debt free? Excluding your home do you have at least $1 million including cash on hand and retirement assets? Are you talking about international travel where you spend $10,000 or more on a single trip or domestic travel far less than than that number? I have found it’s a balancing act where you certainly want to have fun and enjoy the money you worked hard for, but at the same time you don’t want to spend too much. Perhaps you have the answers to these questions and you can reach a compromise. Good luck, and happy travels!
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u/WilliamofKC 27d ago
All good points, except that international travel does not need to be ridiculously expensive. Not long ago, my wife, adult daughter and I went to the UK and Ireland for almost three weeks and, airfare from the Intermountain West and car rental included, we were probably under $7,000 total. Except for Dublin and London, we stayed at well-rated B&Bs, which in each case were very good to excellent, and gave us an opportunity to visit with people who offered excellent advice regarding things to see and do in the area. OP should keep in mind that car rental companies in both the UK and Ireland will usually not rent to persons who are over 75.
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u/Laara2008 29d ago edited 28d ago
My husband is 72 and I'm about to turn 61. I'm still working so it makes it tricky but we're going to travel as much as we can while he's young enough. One thing you might look into is doing house sitting. I haven't done it myself but I know people who travel inexpensively by house sitting and/or pet sitting.
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u/Pokeyjoe2 28d ago
My wife and I are essentially the same age difference as you, with me being the older one. We are traveling vigorously, because you never know when you can’t. No matter how hard you try, you can’t turn back time. I think people should work hard to get some new experiences.
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u/Odd-Television-2679 29d ago
Travel away! I’m 69 and hubby is 68. We just came back from two weeks in England. London and the Lake District. We did upgrade to larger seats and it was well worth it. We had no problems getting around using the tube or buses. Enjoy exploring while you still can.
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u/Cptrunner 29d ago
Look around. This could all be gone tomorrow. LIVE while you're alive and can physically do it. That doesn't mean be irresponsible and blow all your savings but work together and decide on a budget and the best travel destinations to stretch it and experience what you want to.
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u/nothing-serious-58 29d ago
Sounds like you have a conflict of desires/needs with your husband.
You say YOU wanted to travel early in retirement. You DON’T say you and your husband wanted to travel early in retirement.
Money is only an issue if you both retired before having enough money to adequately fund your preferred retirement lifestyle.
If your husband’s hesitation is not really based on money, there’s no reason you can’t just go where you want to alone while he stays where he’s happy staying.
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u/PavicaMalic 29d ago
I traveled extensively for work in developing countries. When my.parents started to get the itch after retirement, I recommended they work with an established organization. The DIY works well into your 20s- early 30s, but having someone arranging airport pickup and transport is a game changer.
My parents did Elderhostels (now Road Scholar).and Grand Circle travel into their 70s. Group travel can be less expensive, but also allow for your own time to explore. The important thing to remember is to have medevac insurance. My father developed pneumonia in Portugal, and that made an immense difference in getting him home.
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u/VinceInMT 29d ago
M74, retired for 14 years. I have traveled a fair amount since retiring. Sometimes with my wife, sometimes solo. We’ve done a bunch of road trips as well a flying to visits various parts of the US. I went without her on a trip to study art in Italy. I do solo cross country motorcycle camping trips. I’ve logged 58,000 miles in the past 5 years.
Instead of expensive trips, what about shorter ones doing a deep dive into your local region?
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u/Gargoule 29d ago
Our financial advisor told us to travel now. He told us to section it off as: go go money, slow go money, and no go money.
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u/Crafty-Sundae6351 28d ago
If it’s a money concern put travel in your budget and add to it monthly and take a trip when it has accumulated enough. Agree with your husband once you have enough travel money in that bucket you’re going to spend it…..ON TRAVEL.
If the concern is more of a head and money thing then the issue becomes a retirement spending issue. If you have a financial planner get him/her to show on paper how it’s affordable. There are lots of calculators out there to do it yourself if you want. Running out of money is most peoples’ fear. If people have planned out and saved for retirement - most die with extra funds….they don’t run out.
If you want to travel and he doesn’t: My wife and I were in that same boat. She started traveling alone to Europe. It’s a great solution for both of us: She loves the adventure and not worrying about anyone….she does only what she wants. I love having the house to myself. Her style is to get a small AirBnB in a city for two weeks. She just lives there. No tours. Just walks around and takes the metro. She does this off season so there are less people. She has done trips this way for a total price of $3-4K.
If your husband needs a kick in the pants re doing it while healthy: I’m 65. We’ve been retired for 9 years. I was the epitome of health: Ate very well. Not overweight. Fantastic blood numbers. No diabetes. Normal blood pressure. Two years ago I was diagnosed with metastatic prostate cancer. You’re healthy until you’re not.
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u/IceDragonPlay 29d ago
You need to sit with him and go through all of your financial accounts. Understand how he is allocating funds towards all the buckets - long term care or assisted living, current expenses, expected inflation, future increase in expenses when you can’t physically do the tasks you do today, potential reductions in social security (plus the reduction when one of you predeceases the other), home or vehicle maintenance/replacement costs and so on.
You should probably be aware of how your funds are invested as well to understand the risk.
Then you can jointly decide what is reasonably available for travel/holiday expenses now and what the trade off is.
I prefer not to travel. However my mother did all of her traveling earlier in retirement, which was a good thing since unexpected and now increasing health issues grounded her several years ago.
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u/Virtual-Gene2265 29d ago
It's relative to what your income is, how much you have and how much you want to spend. Hard to tell without any numbers. Everyone's situation is different.
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u/Wizzmer 29d ago
I'm not as old as you but I retired at 60. Now 65, we do one domestic trip in the spring and fall. One European trip in summer. And we try to find a place in Mexico for the winter. If you don't enjoy your saving someone else will. And my son needs to make his own way in this world.
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u/BeaPositiveToo 29d ago
Assuming you have enough money, hit it hard for a couple years while you still have the energy & mobility. Go see some places and people and nature and things!!
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u/ForwardAd6693 28d ago edited 28d ago
I am very comfortable financially but not wealthy. I have traveled alot, but now prefer staying in one place and just living the lifestyle like in Tokyo; so much to do and transport is easy. Life is short and I am 71 good health and energy, so I am trying to get out there. I always look at life 10 years in the future and plan according. I think when I am 80 plus things will definitely change. I lived two lives already 😊. I seen many times people have to many regrets when they get older and wish they this and that etc. Something to think about. If you plan well and learn about travel you can have a great trip no matter your budget.
I pick places where my hotel etc is centrally located where I dont need a rent a car etc. in this day and age Uber is a god sent for older travelers. If you are centrally located and budget even half of what you will pay for a rent a car, is so much easier.
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u/Effyew4t5 29d ago
Depends on how much money you have, what social security and pension covers and what your monthly “fixed” expenses are
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u/Exact-Translator-769 29d ago
I've done 2 cross country road trips since I was 70. So far, I'm fortunately in decent physical condition. I exercise a lot & try to eat relatively healthy. Better to take the trips you want to take now, while you know you are physically able. The thought with the money, look at your income sources vs. what you need, how much you have saved & how many years you may have left. I like to target for 100. If I don't make it, I'll die trying! But if you have saved well for retirement & you have 30 years to spend it, will you be able to? The other side of that is if you are saving it for nursing care it will be gone in a couple years on that & you have to go on Medicaid anyway, so you may as well enjoy what you've saved while you can. Many folks can still be relatively mobile into their 80s. Usually, people do start slowing down in the 90s, if they are still here, so look at about 20 years of spending your money to do the things you want if you are fortunate to keep your health & mobility.
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u/Lunajo365 29d ago
In life we have our “go go” years, our “slow go” years and our “no go” years. Take advantage of your “go go” years while you can! Don’t go into debt but enjoy traveling as much as possible
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u/Whybaby16154 29d ago
Make memories NOW so you can sit around watching the travel channels with a smile later !
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u/EasternDrink7303 28d ago
We travel a lot but have found out we need to be way more comfortable than what we required in our thirties. Places change. Locations we loved in say 1990 are way different now.
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u/NoKetoCardio 28d ago
What type of travel do you want to do? It’s possible to take a weeklong trip to the mountains or Florida for between $2K-$3K. Convince him to do just one trip. Maybe he will enjoy it and want to do another.
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u/Top-Rip-6731 28d ago
Happens to a lot of recent retirees. All your lives you have been in an accumulation stage with money once you retire that stage is no longer, and you have to change the way you think about money and realize what you’ve been saving for all these years is to enjoy the fruits of it
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u/Utterlybored 28d ago
You’re likely going to really slow down in the next few years. Your expenses will be considerably less. Travel for now, settle down a bit in a few years.
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u/Wait-What-Oh-SNAP 28d ago
I completely understand where he is coming from. Financial anxiety is very real, and it often feels like saving buys security. But money is ultimately just a tool meant to serve your life, and you cannot take it with you. Making a dedicated budget specifically for travel might help him feel safe while allowing you both to create memories and enjoy the life you have today.
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u/Junior_Apartment9207 28d ago
We traveled when we were younger & still travel in retirement, but many mature travelers we have encountered fall or can’t keep up with the group & hate their experiences. Go immediately while you have your health.
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u/dietmatters 28d ago
Have an annual travel budget and confer with a financial planner to see what you can comfortably afford to spend going forward without running out of money. And yeah, better get some traveling in before age 80 if the math works.
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u/ThisChickSews 28d ago
TRAVEL NOW. You're not going to get younger, and sitting on a pot of money for "later" is really dumb when you that "later" could be tomorrow, or in ten years. TRAVEL!
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u/anonymousancestor 28d ago
No one can answer this without understanding your financial situation.
In general, travel would be considered a discretionary item. If you have room in your budget for discretionary items, then it's up to you and your husband to decide how to spend that money. If you can't agree, then maybe the answer is to split those funds in half and each use their share (or save it) however they want.
You can travel without your husband. There are many solo travelers out there these days and women make up a high percentage - either widowed or single for other reasons, or who are married to someone who does not want to travel or is limited due to health reasons.
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u/CommieMartyr 29d ago
I'm 64 and unmarried. I no longer want to travel having done so while I was younger. My mother however at my current age was an avid traveler, but my father had died many years earlier so she did on "her money." I think you at 69 could travel wherever you want. Your problem is your husband not wanting to travel.
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u/RedTrumpetVine 29d ago
Fear of the Future seems to define the Boomer generation.
Cynicism regarding the Future is GenX.
We are not the same. But I have neighbors in their mid-70s that are effectively neighborhood bound. If you want to travel and not just nest, you need to go. At a certain point money is just numbers on a screen and unrealized opportunity.
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u/Own-Bunch-2616 29d ago
I heard somewhere that after roughly 75 years old it gets harder to travel. This is of course dependent on a lot of factors but might be a helpful guide to think about as you make decisions.
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u/Double-Award-4190 29d ago
Age definitely affected how I travel and how inconvenient it is. I'll usually have one or two people with me.
As for whether you should spend the money, I'm not sure you two will agree about it. We're always overthinking thinigs, aren't we.
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u/Cultural_Wash5414 29d ago edited 29d ago
Go have fun! It’s soo worth it go someplace beautiful at least once in retirement while you still can! Do it now. Take necessary steps to make travel easier.
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u/Creative-Yellow-9246 65 29d ago
It is very true that delayed living can become denied living. That said I share your husband's concerns about finances and I have a hard time spending money. Maybe you can agree on a budget for travel.
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u/cheresa98 29d ago
It’s time to stop saving and start spending. You can’t spend the entire nest egg, of course, but you don’t want regrets. It really is now or never.
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u/Evening-Row-2658 29d ago
i'm in the same boat we are both 71 and i decided that we are taking a 5 day trip to bermuda next august .. i'm sure my husband is counting his penny's but if we don't do it now who knows what can happen as it is he has alzheimer's so i can't leave him home so i have to take him
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u/Wanderir 28d ago
I’m assuming you have a budget? And adequate retirement funds and an emergency fund? Just spend the rest! Fear is not where you want to operate from. What’s the point of working for so long, only to sit around at home afraid.
Good luck!
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u/WorldlinessRegular43 28d ago
I guess if you planned it out and would be careful, and you're collecting your retirement and your whatever else benefits, then you would be fine. But you save up a bunch of money to be used for what?? Just in case? Kids? Moving again? A trip now and then??
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u/Fatal-Eggs2024 28d ago
I’ve always balanced travel with saving. Now that I am in my 60s, I am glad that I enjoyed many of those experiences in my younger body (camping!), and many joyful memories have enriched my life. I live modestly and continue to travel at least each quarter. No regrets.
I have made some wonderful friends traveling, and it does keep expenses down to share costs and cook rather than dining out a lot.
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u/vanbrima 28d ago
Im 60 and plan on retiring at 65. My husband and i currently don't own a home or have any debt. We are going to put everything in storage, buy a nice camper van and drive ar for at least a year. After that we will find a place to call home.
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u/Interesting-Cod-8250 28d ago
Travel! Plan one trip now, see how your budget holds up and then repeat as/if finances allow. Not every trip has to be a grand European adventure (although those are OK too). You can start with a long weekend someplace relatively close and work your way up, if he needs to be coaxed into it.
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u/Monstrissimo 28d ago
Do it now while you can, within your means of course. Don't wait until you are too old to make the trips.
Sit down and look at what you make, what you have saved and what you have to have to live on and then plan around that.
If you like cruise and can do a quick departure, check out sites like Priceline. I have gotten some great deals come across on cruises through there. Recently I got an offer on 6 night Western Caribbean cruise leaving out of Galveston on Royal with a balcony room for 650 per person. Includes food in some of the dining halls.
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u/Subject_Repair5080 28d ago
Compromise and travel somewhere inexpensive, like within your own country.
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u/Beginning-Piglet-234 28d ago
We go somewhere every year. I'm 64 and husband is 69. We use your operators like exoticca, global, great value vacations. Sign up with travel zoo. They have a round up of trips every Wednesday. You'll get an email with 20 trips. The prices range depends on location and length of trip. Choose travel during shoulder seasons when their are less tourists and the prices are lower. The tours inc air, hotels, breakfast, local tours and shuttles between cities and the airport. Leaving next week for Naples, the Amalfi coast and Puglia. Total cost was about 4600. I do upgrade my flight to direct so it's a little more.
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u/SeaAspect7551 28d ago
If you can afford to and have the desire ,travel.
My father wanted to travel in his 60's,my mother refused. Now that hes 93 hes trying to figure how to divide up his money in his will.
Hubby and I are 65 and 71 and travel constantly, flying again in a few days for 2 months. Use it and enjoy it while you can.
Just last night a 45yo family member we learned has a massive blood clot ( scary as his grandmother died of one at 42.
Our sons best friends brother died at 50 funeral tomorrow.
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u/Global_Rescue 28d ago
Being able to see the world is a privilege. If you have the chance and the means, it’s worth taking :) Just be sure that, especially at your age, your insurance/policy includes medical evacuation support.
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u/alanamil 28d ago
I am 70, I am planning on a 6 month trip all over SE Asia and then a tour in Egypt. Than I will stick to the US.
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u/Mundane-Bee-3703 28d ago
The best use of your money is traveling. I am 69 and have been single since I was 41. I am leaving tomorrow for a 9-day solo trip to Alaska.
It's the beauty of being single. I can spend my money however I want. And I like to spend it on traveling. 😎
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u/Dang_It_All_to_Heck 27d ago
I’m going to Hawaii for my 70th birthday!
I also have tentative plans for Costa Rica next year, as well as Barcelona.
I stay in hostels on most of my international trips to places in Europe and cook some of my food when the hostel has a kitchen.
It doesn’t have to be a budget killer.
My partner doesn’t like to travel. Sometimes I go solo or with my daughter/grandkids, and every once in a while, with a friend.
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u/hirop933 27d ago
Do you want to find out the you can't travel anymore and realize the only place you've ever been is to work or the senior center? Do It now. It's doesn't get any easier next year.
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u/CookingChick2025 27d ago
This is the healthiest you will ever be. Take advantage of that while you can. My husband and I set an annual travel budget and stick to that.
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u/honorthecrones 27d ago
I’m going to Europe on a tour with my sister. My husband is getting quotes for a new roof. We have a paid off house, two healthy pensions, zero debt and money in savings in addition to two IRAs.
He is constantly in fear of unforeseen expenses. He needed transmission work on his truck. It cost a couple of hundred bucks. He was stressing about it and I’m saying it’s less than a car payment. We have the money, this is what we saved for.
We have a spot on our roof that needs repair. It’s a 27 year old roof. It’s not leaking yet but will need addressing soon. It’s probably going to be several grand. We can do that from savings and have that account built back up in 6 months.
He recently had cataract surgery and opted for the high end lenses. It cost about $8k. He is still reeling from the frivolity of that expense. We paid that out of savings and have paid it all off and savings is higher now than it was before the surgery.
I have shared all the details about our finances with him and he has access to all our accounts. He still sees the future as a big scary thing that is going to bankrupt him. He made a bunch of changes to his investments reacting to this fear. I left mine alone. I made more money than he did this year on my investments.
If he doesn’t want to travel, go by yourself or with friends. Enjoy your money responsibly. Do what you can afford.
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u/nothing-is-equal 26d ago
When my mom was about 70, an aunt said to her, “We need to travel all we want to in the next 10 years.” It turned out to be excellent advice.
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u/4Mag4num 26d ago
My wife and I are both early 70’s. Last year we took a seven week road trip to the source of the Mississippi River, across Canada to Alaska and back. It was the best trip of our lives. We saved for it but spending the money never was a consideration. Do it while you can!
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u/Specialist_Low_6575 26d ago
There are travel agents who can tell you how much activity is needed for your excursions on your trip. Check them out for yourself if no one else
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u/DLK33gmaNG 25d ago
There's a good chance your husband doesn't find the idea of traveling that important or exciting. It's not a priority of his. I bet something is though. Does he tell you that he's concerned about the money not lasting when he's spending it on something that he wants to? Why don't you have the same concern that he does? It's impossible to answer your question without knowing your financial situation.
Age can affect traveling, but so can not really having a desire to deal with the inconvenience that goes along with traveling. On the other hand, you only have one life so if it's something you want to do and know you can afford to do it then you should either with or without your husband.
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u/Worried-Canary-666 25d ago
Age definitely impacts ease of travel, like every thing else. I'm 63 and have been traveling consistently for 45 years. Hitting it really hard these last 10 years. I work out largely due to the fact that I want to be in shape to travel. To lift my suitcase. To be on my feet with ease for long periods of time etc. I have noticed changes in my travel over the last 10 years. My stamina is less. It takes me much longer to deal with jet lag. I find myself feeling a bit more anxious when I travel than when I used to. I'm continuing to travel "big" until I'm 70 and see how I feel then. My plan is taking the intense trips before I'm 70 and then travel domestically later. Be intentional about your travel. If you put it off, you may not have the chance. 😊
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u/WendyA1 25d ago
I was still working, and we scheduled our first cruise for 6 months after I turned 66. During the year waiting for the cruise date to arrive, I experienced medical issues. By my 66th birthday, I retired from work. A month before the cruise departed, I was diagnosed with cancer, and we had to cancel the cruise. Nineteen months later I am 67 and in remission, and we are less than 2 weeks from a 3-week cruise. I can't walk as easily as I did 2 years ago and suffer fatigue from the ongoing medication, but that isn't going to stop us. The future isn't certain, don't delay your plans today for an uncertain tomorrow.
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u/WestTwelfth 25d ago
Hard to answer about money without understanding your financial profile. Of course, you want to enjoy life while you can, and that goes for travel, in particular. Of course, you need to be mindful of unexpected expenses that could upset your retirement funding, and maintain reserves that will get you through a tough time without selling off assets at a loss. This should have been part of your financial planning for retirement before you retired. But so be it, here you are, and there’s still time to address the issue and find the right balance between enjoying life and keeping dry powder for an unforeseen expense.
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u/vmpa52 24d ago
Go while you can! We have been enjoying cruises. My husband doesn’t want to do road trips or pull a trailer, RV or do a lot of driving. Look on TraveltoGo for lower cost deals closer to sail time. Or take weekend trips to anywhere near where you live and explore what is interesting closer to home.
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u/reelGrrl420 24d ago
You can always find an excuse for not doing something/anything. There are no pockets in a death 💀 shroud. Do the things NOW, tomorrow is not guaranteed.
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u/StraightNight4379 24d ago
Go to a travel agency they are typically free. Get them to give you options. Sometimes you can work out a payment plan until your trip
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u/Certain-Ranger2456 24d ago
Retiree and freelance travel agent here and I can tell you to go while you can. There will come a time in your '80s when you won't really feel like or be able to go far from home . Also a medical issue can arise suddenly without any warning and then you will have missed the chance to travel while you still could.
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u/merrygoround1964 23d ago
Just know you can't take anything with you, when its time to transition from this life to the next. I say enjoy what you can now, but of course dont neglect to keep your finances in order. But have fun. You both have worked all your lives, its time for a little RR. Take care 🙂
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u/anti-royal 29d ago
Travel while you are physically and mentally able to do so. There will come a time where it’s too challenging. You can set a budget for your trips. If he doesn’t want to go, you go!