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Old 11-04-2014, 03:53 PM   #1
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Recently, my wife and I visited the Jamaica Beach RV park near Galveston Park. The park was great. It had all the amenities. Across from the beach, full hook-ups, swimming pool, hot-tub, and very clean bathrrooms. We loved it. But our 4 day stay ended almost as soon as we arrived and we had to may the 5 hour drive home back to Dallas. The striking thing I noticed at the RV park in Galveston was how long most of the tenants had already been there, and how much longer they intended to stay. Apparently most people down there rent by the month, not by the day like I do.
I like most everyone I know, am not retired. I work paycheck to paycheck, and I have at least 6 years before I can collect even partial Social Security. I have saved as much as I could afford with 401k and spent most of my savings on college for my kids. Some day I hope that I will have the financial abilty to stay on at least a two week vacation, but still I wonder how do these people make ends meet. Were they already financially set up, did they inherit big cash, did they have super retirement plans. Did they sell their houses and everything else accept for a travel trailer, a truck and a dog? I'm envious, but I just cannot see how these people make ends meet living on a social security check alone. Can anyone tell me it's easier than I think?
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Old 11-04-2014, 04:24 PM   #2
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My parents full time. They recently retired, collect SS, and have retirement plans from their jobs. Currently they have sold the house and are living month to month in Florida, since it is too cold up north. They are doing great financially. Dad and I discuss it regularly. The lot rent is $300 plus electricity, runs $50-90 monthly. Truck is paid off, trailer is new so they have that payment, but it is a primary residence, so the payment is low, plus they had a very nice trade in. So everything else is play money. The park has even asked if they want to work there part time to reduce the rent more. It can be done on a reasonable budget. Dad was really worried about it, but after 18 months at it, he is really liking it.
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Old 11-04-2014, 05:23 PM   #3
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Plan ahead. Save, put all or more than your employer matches in a 401k. Live frugally, take good care of your own health.
Just a few ways to prepare.
Don't plan on living off SS checks, look at it as a supplement.
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Old 11-04-2014, 06:01 PM   #4
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Ramen noodles.
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Old 11-04-2014, 07:35 PM   #5
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Quote:
Originally Posted by wwsmith111 View Post
Ramen noodles.
If you live within your means you might be fine. To give you an idea the full timers at Pismo Beach, Ca. Pay 850.00 a month and that inc. electric,wifi,water,sewer, there are no other fees or taxes to be paid.
Another great one is at Premier RV Resorts and I think their at 5 locations in Or. One is at Newport, or. And their winter rates from Nov.15th to April 15 is only $325.00 a month + electric. And their restrooms are 5star. There also in Salem and other locations. The one in Redding. Ca.is $465.00 a month + electric. You can't live that cheap in your house,just my taxes are over $4.000 a year, home owners ins. Is $1.200 a year. Oh trash is also inc. in that monthly rate.
Remember you can be a work camper and it's all free and your looking at working about 20 hours a week.
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Old 11-04-2014, 07:56 PM   #6
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I have worked for 33 years and it will probably be 40 before I can semi-retire. I regret that I have not saved enough to live comfortably without counting on social security. I would love to be able to full time RV even if it meant part-time work. If living frugal is a requirement, I would be fine with that as well. Just for my information, how much savings should a person have if he starts this life as a full time RVer?
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Old 11-05-2014, 12:06 AM   #7
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Check out " Workers on Wheels" good info on it to pay your way.
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Old 11-05-2014, 10:03 AM   #8
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You have to start planning on retirement the day you start working. Unfortunately, most people don't do that. Fortunately, my company matched dollar for dollar in our retirement plan up to a certain percentage of your income. After 5 years they even matched 2 to 1! You can bet I put every penny I could into that. We were frugal those years and made everything count. Also luckily sold out the property we owned in Florida at the end of 2005 just before the market fell off! Managed to pay off everything in Florida, buy and pay off in Georgia, and put money in the bank. Good planning pays off but a little bit of luck always helps out too!
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Old 11-05-2014, 12:38 PM   #9
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Thanks for all the good advice. I am fortunately saving at a higher rate now that my children are grown and out on their own. I hope to continue to work for 6 years and provided I can hold the job I have, I should have enough to get by. I don't think I will be able to be on the road fulltime rv'ing without selling everything, but I should be able to manage at least two or three longer trips each year when the weather is good. The biggest obstacle I see is competing with the younger work force as I grow older. The field I work in, (engineering) is rapidly changing, and the new college graduates are trained in areas that didnt exist when I was in school. I have to mantain a level of competence and keep the checks flowing even when I see the end is coming. I am encouraged to see that some of you have found a way to live your dream.
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Old 11-05-2014, 12:56 PM   #10
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You don't spend saved money. You put saved money to work and live off what it makes. If you spend it, it's gone. What you should do today is find a good financial planner and get some advise worth paying for. Free advise on retirement planning is worth what you paid for it.
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