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Kristine Hayes Nibler spent 30 years working in academic, research and clinical laboratories. She spent six years working as a cytogenetic technician and 24 years working as the biology department manager at a small liberal arts college in Portland, Oregon. Kristine holds a bachelor's degree in agriculture and a master's degree in biology. On her 55th birthday, Kristine retired and moved to Arizona with her husband and their four dogs. They all happily reside in a 55+ community. Kristine and her husband spend their days training the dogs, reading and enjoying their time together. Kristine began writing for HumbleDollar in 2017. Her list of articles can be found here.
Comments:
Your final sentence really resonates with me. I’m not much for socializing. On those rare occasions when I do choose to engage in a discussion with someone, I’m often struck by how frequently it becomes a one-way conversation. I usually find myself trying to come up with a reason to excuse myself after a few minutes of listening to non-stop jabbering.
Post: Anybody Listening? by Jonathan Clements
Link to comment from September 27, 2024
Introverts need time alone to recharge. Social interactions wear them out. But they aren’t necessarily shy. I’m an extreme introvert and if I’m talking about something I’m passionate about—like dog training—I’m quite animated and outgoing. But if I have to be in a group of people with whom I share no common interests, I will be the one sitting in the corner, looking at her watch and figuring out how to escape without anyone noticing…
Post: Kristine Wonders: Does Personality Matter When It Comes To Finances?
Link to comment from August 26, 2024
I couldn’t agree more!
Post: Travel is a valuable learning experience – our world is linked like never before, we need more understanding
Link to comment from August 24, 2024
Done! Thanks for adding this to the forum features. I think it will be fun to read people's profiles.
Post: All About Me
Link to comment from July 30, 2024
I have multiple tattoos and have yet to regret any of them--I admit I'm only 57 so 65 is a few years away. Most of my tattoos are of my dogs that are no longer with me so regret probably won't be an issue. I'm rarely annoyed by things. I guess it's just because my life is so simplistic.
Post: Monday is a good day for a rant. Let’s talk everything annoying. People, money, people
Link to comment from July 27, 2024
My plan for dealing with inflation in retirement is to make sure I have enough money saved that I can replace at least 100% of my base salary. Although, to be safe, I think I should go with 200%. It will mean working until I'm 97 years old, but it's not like I have anything else to do with my time. Grin.
Post: Why do so many retirees struggle with inflation? Why is it unanticipated? Do you have a plan to deal with inflation in retirement?
Link to comment from July 23, 2024
It’s always nice to hear from a fellow ‘simple lifer’!
Post: Quinn relents. Apparently you can live on 66% of pre-retirement income. 😉😉
Link to comment from July 21, 2024
I love this! I too have had moments of good fortune (and bad as well), that have resulted in significant changes in my financial security. Getting divorced was both good and bad for me financially (but very good for me emotionally). The bad part was losing half of a lucrative state pension benefit to my ex. The good part was that losing that benefit made me realize I needed to get very serious about saving more money for retirement. I've been lucky when it comes to selling houses. I've owned four houses so far (including the one my husband and I currently live in). The first two were sold at a bit of a profit but the third home, sold in 2022, provided me with a substantial amount of cash. The house sold for $125,000 over asking price and with the agreement that I wouldn't have to pay for any repairs that might have been deemed necessary. It was just pure luck that the selling of that home coincided with my planned retirement. A year or two earlier or later and I never could have sold it for as much money. I've also been fortunate to have jobs that came with very good benefits. I had a state pension at my first job. My third, and final, job came with great retiree health care benefits. Planning can get you far in financial success, but fate (or luck) can get you pretty far as well.
Post: Three Significant Moments
Link to comment from July 21, 2024
Amen!
Post: Quinn relents. Apparently you can live on 66% of pre-retirement income. 😉😉
Link to comment from July 20, 2024
I AM uniquely me--and proud of it! :-) I do live modestly and always have. That's exactly why I could retire at 55! If I had earned twice as much money, would I have lived differently? Probably. But I never knew what it was like to earn $150K a year. I suspect it would have come with far more stress and expectations. And, perhaps, I would have felt the need to buy 'stuff' as a way to counteract that stress. It's certainly not unusual to hear people talk of how they 'deserve' a lavish vacation because of all the stress they endure in their jobs. My job(s) certainly came with some stress. For several years I was responsible for diagnosing chromosomal abnormalities in people. The work was tedious and required an enormous amount of attention-to-detail. That said, none of my jobs ever came with so much stress that I felt they warranted me earning a higher salary. I had great benefits and, in the end, that allowed me to achieve everything I wanted to.
Post: Quinn relents. Apparently you can live on 66% of pre-retirement income. 😉😉
Link to comment from July 20, 2024