What Else You Got Planned?

Good morning, and happy Friday!  I hope your day is starting off well.

The first week of 2023 is just about behind us, and I think we can all breathe a sigh of relief.  Getting back to work is always a challenge, especially if you had time off over the holidays.  I gave serious thought to early retirement.  My wife said no.  She won.

But I just turned 65, and that day is out there.  Like most people, my body, mind, and bank account are not in complete agreement on when it should happen.  After 50 years in the work force, I’m thinking my body may win.  It certainly won’t be my brain.

I know my retirement will involve some kind of ongoing income.  Social Security will buy gas, and my 401k will cover one health emergency.  If the “emergency” is a flu shot.  Beyond that, I need a little extra.  Anyone know how much Walmart greeters make?

And I’m not alone in this.  Most of us will need that extra boost to keep from moving in with the kids.  Sure, I know people who think they’ve got it under control.  In other words, they’re delusional.  And I’ve met others who think retirement planning means putting their own numbers on the lottery ticket.

None of us knows when retirement will begin or end.  We can plan, and we may even hit our target date.  But life can change in an instant, and all those plans go right out the window.  Accidents happen.  Companies fail.  And that Nigerian prince may have no intention of coughing up the cash.  Just sayin’.

Those of you who have been with me for a while have heard these words – dig the well before you get thirsty.  The time to come up with an alternate plan is not while you’re laid up in the hospital or just got your severance notice.  That’s the time to fall back on Plan B, not invent it.

The reality is most of us will make it to retirement without any catastrophic life-altering event.  So what?  Have you ever heard anybody complain that they have too much money?  If so, send them my way.  I can make that problem go away in an instant.  So can fate.

Our future is what we make of it.  Expand your options today, and you can enjoy the ride tomorrow.  Opportunity is out there, just waiting for you to make the next move.  You can pick the one you want today, or let fate choose it for you.  I know my preference.  What’s yours?

That’s all for now.  Enjoy your day and have an awesome weekend!

© 2023 Dave Glardon – All rights reserved

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