Back to ERE related stuff
In September we managed a SR of 55% - pretty neat!
I'm following with great interest the discussion in the journals of Gin+Juice, and 2Birds1Stone.
The "will I have enough in old age" question is rattling in my head around as well, considering how little money I have earned all my life.
This is also a topic I often discuss with my dad and my brother, both of whom worry a lot about me in this regard.
They are highly specialized workers in large factories, in well-payed FT supervisor positions and are used to a relatively high income all their life (not compared to what a lawyer or a IT person makes, but very comfortable.)
So they can't get it in their head that I will not need thousands of EUROs a month when I'm old since I never had that much spending money. I'm envisioning my old age (80+) sitting with my husband at our patio, with a good book and if possible a dog at my heel. If I'm not arthritic I'll play some music now and then and sing. Grandchildren wold be nice but are not required. Not an expensive dream, since our home is paid off. I've had so many great experiences even at age 39 that I see no need for going crazy in retirement age!
I would not even know what to do with the kind of money they have - same as I would never consent to spend most of my life inside of a factory producing chemicals that are destroying our environment. OTOH I respect their arguments, because they are both very reasonable, thoughtful individuals who love me very much and have my best interest at heart.
In the end it comes down to trusting myself over them. Their life is not mine. Their experiences differ very much from mine.
Recently I've had a light-bulb moment, as a thought crossed my mind.
Life has thrown some serious curve balls my way and I rose to every challenge with courage and creativity. I seem to be kind of person who, like a cat, lands on her feet no matter how hard I fall or how far I'm flung.
This will stay with me, even when I'm old, at least as long as my faculties are working somewhat. Coupled with the fact that I will always have health insurance and a guaranteed minimum pension here in Germany I refuse to live in fear. I agree with @7w5 who wrote in G+Js journal that offing oneself is preferable to be a nursing case. I've been thinking about that ever since I lost my grandma to cancer when I was a teenager. She suffered horribly and was in so much pain until she could finally die. Some time later I've had a few years with some serious substance abuse going on in my life, which familiarized me with a score of interesting chemicals. I made it out of this phase unharmed, thankfully, but one thought is stuck in my head ever since - it would be great to have a stash of heroin or something like that handy when one is really old, to go out in a blaze before it gets really bad. I realize that this is shocking or macabre to a lot of people, but for me it is very comforting to have a pain-free way out. I don't want to trivialize or glorify drug use, just to be clear. The opium crisis is in the States horrifies me to no end, for example. But it has also benefits to know about the effects of certain chemicals in this regard. There is a lot of misinformation and fearmongering going on, which I can recognize due to my experiences. I think voluntary euthanasia should not have such a bad rep as it does, and hopefully the laws will change in the next decades to decriminalize it.
Phew, heavy stuff! I'm glad that there are hopefully some 35-40 years until I have to seriously think about this!