bike-rideOne of the reason’s that many of us have chose to live a minimalist lifestyle is for one day to be able to live a comfortable retirement. Does this mean that we are saving enough money now so we can live like a king or queen one day when we do retire? No, far from it. Many of the older folks that I have know who lived through the great depression developed the a ability to live their lives as minimalists, even though I don’t believe that phrase was known then. They lived quiet simple lives and tucked savings away just in case something traumatic should occur again. When they retired they continued to live the same lifestyle in retirement as they did throughout their lives.

This is what I call the Minimalist Retirement. A house paid in full and enough money coming in each month to cover all of our basic needs with a little more to put away. The ability to take a few vacations per year and the ability to have wonderful get togethers on special occasions with siblings and grandchildren and hopefully great grandchildren. Living in good health enough to do active things with friends like tennis, or softball and enough energy to still work the gardens in our yards each day. Not so much an extravagant lifestyle like the rich and famous, but a calm, peaceful lifestyle where time is of little factor.

An existence where I still own just those things I need to get through the day without all of the stuff I sometimes see laying around retired peoples homes. Minimalist, simple and healthy. I don’t want to travel the world, but it would be nice to take an RV out for a few weeks every now and then and visit some of the grandest sights that nature has to show me across this great land.

All of this and more can become a reality not by stressing over 401k plans and investments, no, it can all be ours by just living a minimalist lifestyle right now. The only change would be not going to work each day, but instead finding interesting things that we really want to do each day. By simply not turning over our hard earned money each day to banks in the form of interest through loans and credit cards and not feeding the large manufacturers who produce crap that fills our homes with clutter we feed the pig that will someday provide for us a simple, comfortable retirement. By living a life filled with the simple joys, and I believe that there are is no better than simple, we can have a happy, fulfilling life. A life of treasured memories that no only brighten our days, but the days of our loved ones.

Set up a budget and be consistent about feeding your savings even if it is just a little. Pay off those credit cards and loans and eventually mortgage and rid yourself of all interest payments. Tough times come and go, but just stay the course and don’t stress over too much. Just do the best you can and don’t work yourself to death. Money will slowly build up, but remember not to fall in love with it. You will wake up one day to the ability to live a minimalist retirement.

Blood Sugar- 92, Weight- 177.8

Bowflex- BACK
Pulldowns- 310 lbs – 22, 25
Rows- 310 lbs – 20, 23
Reverse Flys- 110 lbs – 20, 22

Breakfast- 2 Eggs
Lunch- Steak, Fish, Broccoli
Dinner- Chicken, Spinach

About SimpleLivingOver50

At 53 years old I am starting to realize how life changes both physically and emotionally. I strive for a life of simplicity. I am winning the battle with type II diabetes, created a plan to have all debt paid off in 4 years including the house, taking advantage of every opportunity to live life to it's fullest through adventures in nature, hiking, biking, loving and learning.
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25 Responses to

  1. Sage advice here! We are living a minimalist lifestyle in our 30s and 40s with the aim of moving to the Virgin Islands by the time we hit our mid-50s. Having a goal of a condo and a life on the beach makes it easy to forgo the “stuff” we have no need to accumulate.

  2. jncthedc says:

    Good financial health is similar to good physical health; create a game plan and stick with it. Modify as needed. In both cases it reduces volatility and stress. Thank you for passing the word to others.

  3. James says:

    I’m just happy your blood sugar for today is under 100. Keep on keepin’ on.

  4. Jenn Prime says:

    I agree with your goals, but simplifying doesn’t have to mean getting rid of all your stuff, and I feel I must say a word or two in…stuff’s defense. We have never had a lot of money, but over the years my husband and I have acquired modest collections of art and artifacts that now fill our home. Rather than feeling cluttered or distracting, I find that my eye wanders fondly over them, reliving the memories they invoke. Each decorative piece has a story attached to it, and those stories speak to me when I am alone. If your ideal is to simplify your life and pare it down to what is necessary and important, then this ‘stuff’ is what makes me happy. I would far rather have the complexity of my life surround me, ground me. Give me a landscape full of green surprise, rather than a clean swept, sterile desert. Your efforts to control your Type II Diabetes are laudable. I was diagnosed myself about eight years ago, and let me tell you how I beat it. (my numbers have been perfectly normal for the last four years, no medication) When I got my diagnosis, I recalled that my doctor once said that he has never treated a diabetic vegetarian. Not the path everyone would choose, but I stayed on a vegetarian diet for a couple of years, and even though we have gone back to eating meat, I still concentrate on fruits and vegetables, the fresher the better. For food and exercise, I simply listen to my body, which is the best advice I can give anyone, at any age. I guess what I am trying to point out is that we are all different, and minimalism, to some, is a lack of stimulus. Do what is best for you, and you can’t go wrong.

    • I agree with you whole heatedly. Minimalism is about ridding our lives of those things we simply don’t need or absolutely love. I too have items that bring back fond memories. These things make me feel warm and makes my house a home. A minimalist holds on to these things, or at least takes a picture of them because they are the things that bring us joy. I think you are spot on with winning the battle of living with T2D also.

  5. wrdwrk says:

    Wise words all…thanks ! Minimalism to me is keeping what I love…I actually don’t have anything I don’t…and getting rid of the T2diabetes which really cluttered my world…my time…my mind and thanks to LCHF/IF…it is done ! After twenty six years of insulin/metformin/and sooo many other drugs…it is gone…so long as I keep calm and stick to my ketogenic eating…all is good ! In some ways I think de-cluttering our health and minds is the first step…to minimalism !

  6. Sounds like a good way to live. Simple yet secure. Me? I think I’ll just become a millionaire instead… 😉

  7. Alan H. says:

    Awesome perspective! My wife and I are in our late 30s and have begun to make a mindful effort to be more selective about the material things in our lives. It can be hard, but the upside is when a purchase or acquisition is intentional and planned for, there is no buyer’s remorse.

    • This is so true. I know that any major purchases that we make are made 30 days after we initially thought about the purchase. If we still can’t live without it after 30 days then we make the purchase but only if we have the cash to do so.

  8. ProHealthyLivin says:

    I love this! While on WordPress I just started a health blog, I have been blogging about money for a few years and everything you said is everything that I wish I could scream out to the world! I posted a Facebook status a few weeks back on my personal page about my recent realization that I am such a minimalist with everything. We have the bare bones and have switched our retirement strategy to include reducing our expenses so that our nest egg does not need to be grand. Thanks for sharing and helping confirm this choice we’ve made. Its nice to hear I am not the only one.

  9. Great post! It’s true! Spend less on things and you can experience more! Love it!

  10. Reb says:

    This is exactly how my grandparents, now 78 and 89, have been living well for decades. My grandfather was a carpenter, grandmother a teacher’s assistant, homemaker and lifelong museum volunteer. They lived very simply but well. They grew veg and kept chickens. My grandmother has always been the queen of the free or very cheap treat, like a half price matinee movie or a day at the beach, or volunteering for play time with guide dog puppies in training. My grandfather, who lived in Ukraine during WWII and knows how to make do with nothing, can re-purpose and recycle anything. He still goes out for an epic daily walk to collect littered soda cans, selling them to an aluminium scrapper when he has enough. He can’t help himself.

    They never had the cash for birthday or Christmas presents but the grandkids never cared. Who cares about Barbies when you have a grandfather who adopts stray cats and sets up a dream home for them in an abandoned trailer on his property? They caught wild mice, got meat and fish scraps from the house and had milk from the neighbour’s cow. In winter us kids would curl up with the cats in their trailer (which my grandmother refurbished with scrap fabric) and read half a year’s worth of comics from the Saturday paper, which she would save up on purpose for a rainy day.

    They paid off their house decades ago and have been living and traveling on their savings and pensions ever since.

  11. Nichole says:

    I’ve always wanted a huge mansion of a house and recently discovered I don’t need it at all, especially since I would much rather spend that money elsewhere. I’m excited to buy a small house and save money. I’m just realizing how much I enjoy living minimally!

  12. Great Post! I too have found that by choosing to live a simplified life, that I enjoy life more! I have found that I don’t need all those “luxuries’ that I had before I moved to the country! It’s a great feeling!

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