“Dying at your desk is not a retirement plan.” Thomas Heath- Washington Post
Maybe not, but I know many people my age who, as much as they say they want the easy life of no alarm clock and not answering to anyone any more, still manage to remain in the job year after year after year. “Retirement” is a wonderful concept until you sit down and really think about all that it involves, both the known and, more important, the scary unknown. Which side occupies your every waking hour? How long can you hold out and avoid the metamorphosis to retiree and major life change?
I have a friend who worked at a small firm for almost twenty years. When the owner decided to cut costs, he first fired her and then offered to hire her back for less money, less hours and less benefits. I was mystified as to why she’d even contemplate the offer but she took it. As it turns out, the thought of change was (and is) scarier to her than the horrific circumstances she was already in. She opted for the known over the unknown.
I have been through many career incarnations and always figure that even if the new job turns out to be terrible, it’s not likely to be worse than the one I’m leaving. And if it is, I’ll have some time to find something else. Yes, you sacrifice seniority and vacation time when you do that but you salvage your peace of mind. That always won out for me. My friend told me once that every time I moved on to a new job, the thought of it made her a little sick.
But then we get to retirement – THE REALLY BIG CHANGE. I can sit back and steadfastly refuse to change or I can hope I become the butterfly. I’m at the stage where I sort of look forward to it on the one hand, and sort of worry about it on the other. Today, looking forward is winning. I hope it stays that way as the reality looms closer.
Another concern – probably the main concern – is money. In my years as a dancer, we didn’t have things like retirement plans and I spent every dime I made. By the time I focused on the fact that I was aging and needed to start thinking about saving, it was pretty late in my working life. So I’ve managed to pull it together somewhat, but not comfortably. Even so, it’s hard to alter routines and lifelong habits in order to squirrel away enough money to live comfortably. I read a quote by a retiree named Fritz Gilbert who said, “Not making a decision is still making a decision. Spend the money to buy that ‘thing’ and you’ve made a decision to work longer.” I guess that all depends on what that “thing” is. If you’re looking at a boat or new living room furniture then yes, you’ll probably sabotage an early retirement. But my “things” are smaller – mostly Starbucks coffee on the weekends and a couple of magazine subscriptions. I think I can probably swing it. Nevertheless, retirement is looming and I’m keeping my eye on the butterfly and hoping to make it a colorful one.