My grandma's been retired comfortably for 22 years thanks to a simple rule she lived by - Business Insider

and Medicare as forms of political currency, not long-term solutions I can count on in old age. I'm a card-carrying member of the gig economy, more comfortable working for now, not for later. The very idea of "retirement" terrifies me.

My grandpa was a warehouse worker and my grandma was a nurse. They must have done something to prepare for retirement to wind up as comfortable as they did, and maybe it's something I can emulate. My grandpa passed away in 2006 and my grandma, Ellen Young, is now 84.

My grandma married my grandpa at the age of 24; she had already been working as an RN for three years. She didn't choose nursing for the retirement benefits, but my grandpa certainly chose his job as a factory worker based on the promise of being able to retire early. , as my grandma pointed out, doesn't mean just putting money in the bank, it also means keeping it there by minimizing your financial obligations. It also means making that money self-propagate. When my grandpa's company offered him stock purchases, they began investing $5 at a time, increasing the amount as they could afford to. When their investments paid off, they took the money out and brought it to an investment broker who lived locally.

IRAs played an important role in my grandparents' retirement plans as well. Taking any money out of your paycheck for a later date may seem impossible, but "later," my grandma told me "you'll be glad you did."As we spoke of retirement, we did the math. My grandma began her nursing career in 1957 and she retired in 1998. Her life as a "working girl," as she calls it, lasted 41 years. She has been retired for 22 years, over half the amount of time she worked.

90% of the people who do this don’t live to see retirement

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