Archive for Working//volunteering
In “What is it like to live in an RV full time?” Chris Neiger, at BBC.com, gives a glimpse of five different full-time RVers living the RV lifestyle. One woman works on the road, another RVer is actually a family of six and another is a family of five where the husband works remotely from his RV. Maybe one of those five matches what you envision.
In “These RV-riding retirees will make you incredibly jealous of their life on the road,” at Yahoo Finance, the focus is more in depth on one couple, Carroll and Basil Melnyk. They have traveled to all 50 states, living on a fixed income, the bulk of which consists of Carroll’s pension and both of their Social Security benefits. They keep their IRA and 401(k) savings on hand for the years when they won’t be able to manage year-round travel any longer. They typically spend $2,000 to $2,800 a month. Most years fuel takes between 8-10% of their budget though they have spent as much as 20%. (This should be a good year for them.) They now spend winters in Tucson but take other trips, including an international one each year. They have purchased a condo in Ruidoso, NM for when they settle down. Read the article to get some tips on how they save money. Jaimie Hall Bruzenak
An interesting article, “4 Reasons to Ease Into Retirement – and 4 Paths to Take,” in DailyFinance.com, suggests that some people will want to transition into retirement by staying active through working or volunteering. There are four main reasons why people continue to work including needing or wanting some income and a desire to try something different. The four paths suggests several different ways to stay engaged. It does not include Workamping.
Workamping – or volunteering – could satisfy an urge to work and stay busy, plus help in the income aspect. Many volunteer positions do include an RV site, which would help the budget and stretch your retirement funds and many Workamping opportunities include a free or low-cost site.
Take a look at the article and see if these reasons might prompt you to consider combining work with RV travel. There are many ways to put a working RV retirement together. I suggest subscribing to Workamper News. Also, check out Margo Armstrong’s ebooks at MovingOnWithMargo.com. Jaimie Hall Bruzenak
When I mention Workamping or working while traveling, many RVers react as if I am proposing something evil. “Been there, done that.” “Work is a four-letter word.” From their reaction, I think some are going to hold up a cross like they are keeping a vampire at bay!
Yet, recently a number of articles and studies have strongly suggested that work during retirement is a good thing, not an awful thing. Here in the Motley Fool, “Why You Should Consider Working in Retirement,” offers two reasons. One, it’s good for your wallet. Two, it keeps your brain at a higher level of functioning and helps you stay youthful. With people living longer and longer, who wouldn’t want that?
Workamper News offers myriads of ads for Workampers from assignments that require doing only a few hours of work a week in exchange for a site, to full-time work earning decent money (and working harder). Volunteering for public agencies or charities can also provide the same benefits, particularly if you receive an RV site in exchange for your hours.
When you first hit the road, you may want to take it easy and see some of those places you’ve longed to see. At some point, though, if you stay on the road, working or volunteering can add to your travels. Jaimie Hall Bruzenak
Whether by choice or because of circumstances, early retirement poses some challenges. This article, “Want To Retire Early? 5 Challenges To Overcome” by Erik Carter at Forbes, looks at the financial aspects. Primary is that you must save more and earlier. Even if you did, you won’t have access to retirement funds without penalty until later and spending too much too early can affect how long your funds last.
Retiring to an RV can be a cheaper way to live but still things happen like repairs or replacement of your RV. And you need to consider what you will do if you decide to get off the road. In our book, Retire to an RV: The Roadmap to Affordable Retirement, we discuss some low-cost options. And, many early retirees, as well as those who retire at full retirement age, choose to work or volunteer to minimize the amounts they withdraw from their other sources of money. And there are many options there too.
Don’t let these articles scare you. Take any advice that seems to apply or you can implement. If you have lost a job and have few prospects of one that pays the same, you won’t have the option to save more no matter where you live. Deal with it in a rational way in the best way you can. Retiring to an RV could allow you to travel, have adventures on your bucket list in spite of a reduce income. It’s something to consider! Jaimie Hall Bruzenak
Lyle Ruterbories is 93 years old and thinking of retiring from his seasonal ranger position that he has held at Glacier National Park for 20 years! According to the Spokesman-Review, he was a volunteer campground host prior to that with his wife of 65 years. Now that is inspiring!
The rangers at Glacier praised his hard work. It just goes to show you that even at an advanced age, you can contribute valuable service. Ruterbories has done a lot of travel but isn’t finished with that yet. He has plans for more.
Hats off to Lyle Ruterbories! Jaimie Hall Bruzenak
A USAToday.com article notes that while many people plan to work after retirement, only a small percentage to. Between 60 and 80 percent say they will work but only about 18 percent actually do. The main reasons are age discrimination or health reasons.
If you will need more money, financial planners and life coaches offer advice to ease the transition. Plan ahead. If you’ll need new skills, you’ll have time to acquire them. Develop a hobby into something that makes money. Again, getting started before retirement is key. Another option is to stay in your old job longer and perhaps at reduced capacity; it’s easier than finding a new employer. And, lastly, be prepared to earn less money.
Retiring to an RV could be a good solution. Most jobs on the road are for less pay but you can also reduce your expenses plus control your expenses in several areas. Even volunteering will usually get you a free RV site and maybe free propane or other perks. Many Workamping jobs come with a site though you may need to work some hours in exchange for it.
You can find out more about the RV lifestyle and reducing your spending in Retire to an RV The Roadmap to Affordable Retirement. Jaimie Hall Bruzenak
In a MarketWatch.com blog, Dennis Miller cites the Allianz survey that found that 61 percent of adults 45-75 feared running out of money in retirement more than dying. Dennis comments:
“My real problem with the Allianz survey is that I want to live until I die. I want to enjoy life while I’m here. I worked my tail off for many years to accumulate a nice nest egg. I’ve earned more than a few low-stress, worry-free golden years.”
Miller goes on to say, that a post-retirement job just might be in your future. It could be fun – or at least laid back – and help alleviate financial worries. He lists several criteria.
Retiring to an RV can not only reduce your outflow of cash, but can provide interesting and fun jobs or volunteer gigs to do as you travel. RVers work at Disney World, Adventureland, Dollywood and other parks as well as work or volunteer at national parks, in RV parks and so many more. You can get more information in Support Your RV Lifestyle!
Enjoy your golden years! Jaimie Hall Bruzenak