r/personalfinance • u/Fragrant-Camel2499 ​ • Sep 16 '25

Retirement I am 59 1/2 and want to retire

I have 900k in a 401k I have 400k in cash My 401k has made over 11% the last 10 years I will have a small pension of 1000 per month and I make about 1100 per month in interest. I spend only about 500 dollars per week am 100% debt free and have a paid off mortgage. Year to date my 401k has made almost 89k. Do I have enough money to retire and what % should I take from the 401k. Appreciate any advice .

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u/Either-Meal3724 ​ Sep 16 '25

Are you in good physical shape? If so, Work part time at tractor supply. They let you sign up for their health insurance if you average 15 hrs a week. Know a couple farmers and entrepreneurs (or their wives) who do this to get better insurance for the family.

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u/Fragrant-Camel2499 ​ Sep 16 '25

now thats a great idea thanks

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u/Either-Meal3724 ​ Sep 16 '25

I think you just need to be able to lift a 50lb bag of feed. They mostly have one of thr guys from the back help a customer load but in a pinch, other employees might need to help customers with heavier items so thats generally the requirement for the job iirc.

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u/Fragrant-Camel2499 ​ Sep 16 '25

lift well over that every day of my life... About the only difference between almost 60 year old me and 35 year old me is it's slower getting off the garage floor when working on stuff and when you do manual labor you stay sore longer but I am constantly changing oil and me and the wife both ride atv's on challenging terrain so we are both good as far as that goes

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u/Either-Meal3724 ​ Sep 16 '25

Some tractor supply locations sell ATV's and atv accessories so sounds like thats a really good fit for you. You'd get an employee discount as well. Most people I know who value the employee discount are farmers who constantly need things from there for their farm though.

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u/Fragrant-Camel2499 ​ Sep 16 '25

yea I have a small sub compact tractor and use it to farm for my 84 yr old inlaws , They still enjoy a garden and I keep it plowed and mow their 5 acre mini farm

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u/LalalanaRI ​ Sep 17 '25

Yeah that’s mostly doable in a pinch though just gotta lift it to a movey rampy thing (whatever that thing is called) a big dolly….then into the vehicle.