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I very barely make this cut off as I had my last baby at 36 and he was 4 when I was 40. I had a decent amount of energy throughout my 40's. No major health issues. I think my husband, who is about 1 1/2 years older than me had an unusually high energy level, too.
That said, I wouldn't have wanted to be pregnant and have a new baby in my 40's. 38, for me, would have been about the cut off.
At 45 I'm not really chasing my 8 and 9 year old around...but they are still a lot to keep up with as far as activities go, driving them around, homework/school activities, making sure they do what they need to do, laundry, cooking, etc. I also work full time. I can't imagine how people do this with 3 or 4 kids.
what about planning ahead , if you have a kid at 45 he/she will be only 20 when you are 65
how that affect your retirement planning , future plans for next 20 yrs ?
what about planning ahead , if you have a kid at 45 he/she will be only 20 when you are 65
how that affect your retirement planning , future plans for next 20 yrs ?
The reality is that you tend to wait until your kids are well launched before you retire. So if you have a 20 year old in college you might keep working until they are at least graduated and possibly up to a year after that while they get established in a new FT job.
The kids are still in and out of your house a lot at that age, you are likely still covering things like their health insurance, car insurance, cell phone, helping with tuition, etc.
A 65 year old with a 20 year old is likely looking at working until they are 68. That's not always the case but it often is the case.
The reality is that you tend to wait until your kids are well launched before you retire. So if you have a 20 year old in college you might keep working until they are at least graduated and possibly up to a year after that while they get established in a new FT job.
The kids are still in and out of your house a lot at that age, you are likely still covering things like their health insurance, car insurance, cell phone, helping with tuition, etc.
A 65 year old with a 20 year old is likely looking at working until they are 68. That's not always the case but it often is the case.
Right , I plan to work until I die essentially
they might need help until they are 30 the ways things are going with inflation etc
In many situations it seems like parents do give their kids money for life. I see it all the time especially when it comes to buying a home.
I'm thinking I will just give them my home and retire into a small apartment
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