If Retirement is So Much Fun, Why Do We Wait So Long to Get Started?

Good morning! I hope your day is off to a nice start.

Well, the weekend is over and it’s time to get back to work. I hope you enjoyed a couple of days of rest. And if it wasn’t restful, I hope it was exhilarating. We spend five days each week doing the things we have to do, so it’s only fair that we should be able to spend the other two doing the things we want to do. At least part of the time.

Imagine what it would be like to sleep until you feel like getting up, and then take your time getting started each day. As you sit down for your first cup of coffee, instead of dreading the morning commute, you would run through a mental list of things you could do today. You know, fun things. Sure, there would be some errands in the mix. But imagine if your time was truly your own.

For most of us, that time comes much later in life. After we’ve done all the other things we need to do, we’ve worked our mind and body until there’s not much left, and that mental list of things we could be doing each day is interrupted by medical appointments. Once we reach that age, getting in a car to go somewhere is usually not very exciting. It’s just one more chore we have to do.

Yet, for most of us, that’s what we have to look forward to. Work for 40-50 years until you’re too tired to do anything, then cut your pay in half and sit around the house watching 24-hour news. That and sifting through the newspaper to find out if there are any familiar names in the obituaries.

It’s no wonder most young people don’t plan for retirement. Who wants to put all that on paper, and then work for several decades to achieve it? It’s a lot more fun to take those vacations while you’re still young. And why hold off on buying that fancy sports car until you’re too old to drive it? A bigger house? Get it now, before you have to pay somebody to keep it clean.

It’s that mentality that puts a lot of younger people in poor financial shape and leads them into retirement with a fraction of the savings they’ll need to survive. But, like most other things in life, we always count on things somehow getting better by the time we reach that age. The house will be paid off, we won’t have car payments, and old people eat a lot less food. Besides, there’s always the lottery.

On the other hand, I’ve met a lot of young people who decided we’re doing this all wrong, and they’ve managed to squeeze in retirement about the time most of us were just getting started in life. Instead of waiting for somebody else to tell them how much they’re worth, they decided for themselves. And, wouldn’t you know, it’s a good bit more than the rest of us get paid. Go figure.

But it’s not about how much money they make. After all, there’s only a certain quality of steak you can buy, no matter how much you want to spend. And fancy cars spend about as much time in the shop as any other car – they just cost a lot more to fix.

And here’s the thing – it doesn’t take a major windfall or rich parents to put early retirement within reach. It just takes a little extra. When you don’t have enough to pay your bills, $100 might as well be a million. But after the bills are paid, that same $100 gives you peace of mind you didn’t have before. Another $100 raises the comfort level. Double that, and you can take a nice vacation.

Most of the people I know who retired early didn’t start out making a fortune. They found a way to make a little extra, and then applied the same principles to turn that little bit into a little more. They kept doing that until the day came when their side income surpassed what they made on the job, and early retirement became a choice they could make.

Some friends were talking the other night about their doctor, who’s still working at the age of 85. He doesn’t need the money – he works because he wants to. If we’re lucky, we’ll have that option. Maybe our mind and body will still be strong enough to keep going long after others our age have been forced to stop. I sure hope so.

The important part of all this is choice – doing what you choose to do, when you choose to do it. And while that may sound like a bit of a pipe dream, that existence is closer than you may think. All it takes is a little extra. Find a way to do that, and then just keep doing it. The opportunities are there. The life you want is waiting. All you have to do is decide what’s most important.

That’s all for now. Have an awesome day!

© 2019 Dave Glardon – All rights reserved

It’s Okay to Dream – It’s Even Better to Achieve

Good morning! I hope your day is off to a nice start.

Have you ever sat with a group of friends and just talked? Not about the job, and not about anybody else. Those are the default conversations that don’t really count for much of anything other than filling time. You talk about those things when you can’t come up with anything better. And you know what? Nobody is really listening anyway. They’re too busy waiting for their turn to speak.

But have you ever just sat there and really gotten to know one another? As the walls come down and trust begins to build, you can learn a lot about somebody that you would otherwise have never known. Very often you find that you have a lot more in common than you thought. Not just where you live or work, but who you are … the things that excite you and make you get out of bed each day.

Sooner or later, the topic will turn to dreams. Depending on the setting, that could come out right away or it could take a lot of foreplay to build up to sharing that part of ourselves. If you see a complete stranger wearing a tee shirt from your favorite vacation destination, you’d have no problem letting them know that’s on your bucket list. But with friends, we tend to hold back a little. Why?

I think it all comes down to our inner concern for the opinions of others. With strangers on the street, it’s no problem. You may never see them again, so who cares if they think you’re overly optimistic? But when it’s somebody we see every day, we’re not so quick to share our inner desires.

Part of the problem is that, when you’re talking with a complete stranger, they have no idea of your current station in life. You can tell them you’re getting ready to take a trip around the world, and they have no basis for acceptance or doubt. It’s just talk. But the better somebody knows you, the more difficult it is for them to just accept your aspirations on blind faith. They know your limitations.

And then there’s the issue of greed. Let’s just get it out there now. We’re all raised to believe that it’s okay to work for the things you want, but it’s greedy to want something you don’t have. Well, if that’s the case, why bother going to work? Just stay home and enjoy what you’ve got. Or work just enough to pay the bills and stop thinking of anything else. Is that the lesson we were supposed to learn?

Greed isn’t the mindset that wants something more. Greed is when there’s not enough to go around and you knock somebody else out of the way to make sure you get yours first. It’s the very concept of a game most of us played in kindergarten – musical chairs. There are just enough chairs for everybody – except one. And the moment the music stops, everybody races to claim a chair for themselves.

But I can’t think of many things in life where there isn’t room for everybody who really wants to sit at the table. If you buy the fanciest car on the lot, the dealer will just order another one. Buying a bigger house doesn’t mean somebody else can’t have one just like it. And is there a resort destination on your bucket list where you’d have to kick somebody else off the plane to get there?

It’s okay to dream. It’s okay to want something more, and to share those dreams with the people who mean the most to us. You may be surprised to find they have dreams just as big as yours. In fact, they may share a dream that slips into the inner recesses of your mind and works on your subconscious until it becomes your new dream. Who would ever dream of a Rolls Royce if they’d never seen one?

No, I don’t dream of a Rolls Royce. I don’t dream of many extravagant things, but I do dream of having the ability to see a little more of this world and time to enjoy the things I’ve worked so hard to build. I dream of a motorhome simply because it’s the most practical way of traveling across the country and staying in each place long enough to enjoy it. Extravagant? Maybe. But it’s not what I’d call greedy.

When you share your dreams with those closest to you, it validates not only the dream but your right to have it. When you work for a dream, you earn the right to achieve it. And few things feel better than enjoying something you’ve earned. So, dream. Share your dreams. Work for them. It’s okay to want something more. It’s even better when those dreams turn to reality.

That’s all for now. Have an awesome day!

© 2019 Dave Glardon – All rights reserved