Tempus fugit 5


Frank enjoying retirement, in the bath with trumpetFollowing Frank into Retirement (after 0.1 decade)

A series of articles starting 5 months from retirement

By Frank

 

This is Frank’s final article for this column. 

 

Days, weeks, and years pass too quickly during retirement, so I’ve switched to measuring my time in decades.  Even after 0.1 decade, I still get a frisson of delight each time I realize I don’t have to go back to work.  On returning from a great sailing and island hopping adventure in the Caribbean, I felt the familiar downward tug of having to return to work.  But wait! I’m retired!  Yeehah! We return from a busy schedule of visiting kids and relatives.  It’s great to be back home, but I really don’t want to have to go back to work.  Superbomundo!  I don’t have to go to work!  The months are zipping by so fast (picture blowing calendar leaves, rapidly changing seasons, and clock hands spinning) that it practically takes my breath away.

 

The Good

So much of being retired is far beyond good.  Even when Suzanne and I are required to do some onerous task, there is always the bright thought that tomorrow is another day and it is our oyster.  We’ve enjoyed spending more time with our family and helping them out when possible.  In our first year of retirement, we’ve travelled for over 0.01 decade.  That’s six weeks for those of you still on the old system.  Our home and grounds are better prepared for winter than ever before. We’ve even considerably shortened our list of “things that need to be done”.  However, best of all, I don’t have my work hanging around my neck like a millstone.  In fact, I no longer need to take any anti-depressants.  Proof positive that work was bad for my health.

 

The Bad

Hmmm.  The bad?  Maybe the not so good?  This could be a short paragraph.  I guess I could whine a bit. We can’t always be on the move, we also need to spend a significant amount of time at home; I find myself yearning to be home.  I want some routine to my days so that I can start to enjoy progress in the many activities that are home based.  This was one of the reasons I was looking forward to retirement.  Fortunately, we have the freedom to flex our lives to suit our whims, desires and needs.  Perhaps travel should no longer be considered as an escape from routine but as a change of scene, to be used when desired to augment life and spark interest rather than as a relief valve from workaday life.

 

The Ugly

There are some ugly aspects to retirement.  My lack of routine has allowed my “I should” list to blossom into a full fledged “what would my mother say about it” list.  There is also the whole senescence thing going on with me and those near and dear to me.  We can dress up our mortality any way we like, but we are on the downhill slope.  Should I be concerned? I think not; it’s unproductive in so many ways.

For me, worrying about money has got to be the fiend most foul.  How the heck am I supposed to feel comfortable about having enough money for the next 35+ years?  Since we are not receiving any pensions at this time, each year of retirement greatly impacts our savings.  Should we be cutting back our yearly spending?  Or should we continue to carpe those diems, for tomorrow we may die?  This boy is going out fiddling (or at least piping).

 

Final words

This will be my last blog as I have officially made the transition to retirement; I have decided to change my LinkedIn profile from “Maybe retired, maybe not” to “Very retired”.  My life will continue to evolve as I continue to pursue my second career as a retired person.  To those of you considering retirement, I would counsel you to make your plans as flexible as possible and not be afraid to change them continually.  There are no rules, just you.


Leave a comment

Your email address will not be published. Required fields are marked *

5 thoughts on “Tempus fugit

  • Anson Laytner

    Perhaps the author’s financial anxieties would be lessened if he anticipated not living until 95! Consulting an actuarial table might prove reassuring–in a depressing sort of way.

    • Frank Laytner

      What ever happened to “may you live to be 120”?

      To quote my Dad, “Figures never lie, but liars figure”, so here goes. According to StatsCan (http://www.statcan.gc.ca/pub/82-624-x/2014001/article/14009-eng.htm), life expectancy has risen from about 77 in 1991 to approximately 82 in 2011. I’ve purposely left off the data before 1991 because the two world wars seriously impacted life expectancy data. It is a straight line relationship between 1991 and 2011, so it would be fair to extrapolate that in another 20 years from 2011, life expectancy would be 87. Factor in my healthy middle class childhood, my relatively stress free adult life and my early retirement and I’m easily good to live until I’m 95. Boy, talk about hubris! Kein aina hora!

      On the more serious side, Suzanne and I would definitely not have to be a burden on our children if we did live that long and didn’t have the money to take care of our increasingly decrepit selves. Having seen the publicly funded seniors homes and long term care facilities, we also don’t want to be solely at the mercy of government agencies.

      Realistically, I hope I don’t live past an age when the joys of life can no longer be appreciated. I’m good to go anytime (not knowing what’s next is a bit like catnip for me). That said, Suzanne and I will continue to plan for the long haul and balance our fun and frugality. Fortunately money can’t buy you everything.

  • Amy Cousineau

    Dear Frank: Thank you for sharing your journey with us. I will miss your columns, and encourage you to give us an update from time to time, perhaps after 0.2 decades! My long term goals list is called “when I can” and could be titled “when I feel like it and have the time!” And I know what you mean about those mortality and money issues!

    • Frank Laytner

      Thanks for following my blog, Amy. It has been fun for me and helpful in clarifying my own thoughts about retirement. If I have any major revelations on retirement, I’ll be sure to send in an update.