For the past five years, i’ve had a spreadsheet (compliments of the ever-enterprising Excel-pert, Studley). A spreadsheet that can be poked, prodded and tweaked in all sorts of ways, playing with expenses and income. It was my retirement planning tool.
Through a combination of planning, luck, early breeding and conservative financial management, i was surprised to find myself in a position to comfortably retire with a pension, after working for the same entity from the age of 19. i just had to wait until my 55th birthday to pull the chain.
i didn’t believe it. i worked and re-worked those numbers. Studley included important expense categories such as “entertainment” and “booze”* and most importantly travel. Even throwing in a ridiculous budget for such luxuries, it was still manageable.
i turned 55 in early June. i cleaned out my office and walked out the door and have no intention of ever working again.
Just like that, i was no longer employed. From the age of 16, i’ve always had a job with income. Self-sufficiency required that, and i worked my way through university through a combination of a co-operative engineering job, and admin/teaching assistant positions. i have always worked – driven by the need to be self-sufficient.
And now that comes without the need to work.
Turns out, this is a pretty serious transition – even though i absolutely recognize the privilege that comes with this particular transition. Unlike divorce, a cancer diagnosis or becoming an empty-nester, this one is without question a GOOD TRANSITION. Not only that, i had ample time to prepare for this one.
i’ve been asking retired people the same question for the past few years – “what was your biggest surprise after retirement?” The answers were all over the map… “How expensive health care costs are” to “How busy I am! How did I ever manage to do all this with a full time job?” One response that stuck with me was “How important the calendar becomes.”
i’ve always been pretty tight with my work calendar. It also had personal appointments and extracurricular activities on it, but the work day was the foundation. When every day feels like Saturday how do you know what day it is? How do you know that the Tuesday night patio party at your favorite venue is happening if you don’t realize it’s Tuesday?
Only two months in, here are a few other observations –
Getting dressed? Different. i don’t put on make up in the morning. Morning lingers longer than it used to. One day i had a volunteer meeting at 0800. The dog even glared at me as i walked him at 0700 – “what is this shit? why are we out of bed? why are you dressed?” Clothes off of a hangar, not out of the laundry bin after a sniff. Hair brushed, and not stuffed under a baseball cap…
Speaking of hair…
i’ve been having mine painted for 20 years. Thanks to genetics, my hair would have turned shock white by the time i was forty without chemical intervention. A couple of years ago, i started playing with that white – i let a chunk underneath go white, then hit it with some funky color. It’s been blue for about a year, and while i like it, i don’t like the maintenance. So i’m working through a process to let my hair revert to its natural color.
Brain function? A bit befuddled – more forgetful than usual, not able to find words, and carrying a general fog every now and then. Still carrying five different volunteer jobs, i have responsibilities that require thought. We are continuing to push the envelope on life skills and experiences, in part to keep the brains working…
But those are details for a future post… i’ve exceeded my word count for today! Time to go pack a suitcase!
* i like to throw parties. My friends appreciate good food and good booze, as do i. That shit ain’t cheap…