You know, as writers, we are all experienced with preplanning, aka outlines. But how often do we apply that to life? In a loose way, of course, we all do as we budget our paycheck income against the expenditures we expect each month, plan to buy school clothes and supplies for the kids, or budget for your commute costs. And so forth. But we tend, to a large degree, to be either unable or unwilling to plan far enough ahead, say, to have a cash down payment for a new car, or to save for our retirement starting in our 20s when the money will grow far more than when you start saving in your 40s or 50s.
Moi, I was one of those who would have loved to have saved back in the day, but I lived in an expensive area and kept being laid off to boot. Paycheck to paycheck living wasn't by choice or failure to budget. I didn't live high on the hog and I didn't have satellite tv, cable, or any ridiculous extras. (I for sure didn't have my book buying addiction. I preferred to have food to eat!) And now that I have been living in a cheaper area where I can own a house and have a well-paying job with a great retirement plan...I bought a money pit house and still haven't saved as much as I'd like (although I am saving a hefty chunk each month.)
Thing is, I retire in seven years as of last Sunday, August 1. That is, if I feel I have enough money socked away. This sort of Big Event does make you think about what you need and what you'll be doing with yourself before (and after) to make it work. Lifestyle and income changes. Different costs. Different choices as to what to do with my time. (Different means of writing avoidance, perhaps?) My plans are complicated by the desire to travel in the winter for at least 3 months (aka Snowbirding) to get away from the crazy cold and snow blowing that limits my ability to get out and walk; and also by pets and my aging mother.
Neither the pets nor my mother are problems. Far from it! But I have to consider their needs as well as my own in this retirement gig. Just like the Egyptian vacation was far higher class than I'd likely have bought for myself alone, the snow birding venture needs to be more than a crappy old camper on the back of a pickup truck...which is what I might consider for myself, lol. (You should have seen how I managed to get a 7-day vacation in Paris for about $1400 including food, lodging and air fare. Ah, the memories. And Madre will not be subjected to those sorts of accomodations by me, ever.)
So I'm thinking about either buying a self-contained rv, or whether to make my very own conversion camper from a U-Haul panel truck. Or, which may be the likeliest scenario, buying a small house in Louisiana, Florida, Alabama, or some other area that doesn't tax federal retirement pensions and also doesn't have ridiculous vehicle smogging processes like California does. (Some things are just too much trouble to deal with, and I had had it with California's ridiculous smog emissions bs before I left the state.) Another option is to rv and buy a couple of plots of land with power, water and sewer where I can park my rv for a few weeks each year. Decisions, decisions... And then there's factoring in how much cost there will be to set up the chosen scenario. I know it'll be cheaper to just stay in Maine for the winter, after all. But I really want to travel in my retirement, and winter is the perfect time to leave my state. I like it here in the summer!
In any case, I'm sort of inclined to buy a used 24' Class C rv with 2 beds and maybe get the plots of land on which to park them. Or at least one plot of land in a state where I could maintain residency and save on income taxes. I'd prefer to have a vehicle along besides my house on wheels, but the compromise for 2 comfy beds and access to the animals is that the Class C's are small enough that you can drive them around towns if need be. Or if desperate.
A 24' rv sounds way too big; but I measured, and it is actually only 3' longer than a quad cab truck with a full bed, so they aren't that big in comparison to those bus-sized things on the road that are 10-15 feet longer. I owned one of those once and found it was way too big to drive. Hated it.
At any rate, I've been pondering retirement, saving money, getting out of debt, and I'm putting the old house back on the market soon. I hope that it sells. (I'm so close to evicting my tenant right now... Ack. Just don't ask. It just ticks me off all over again.) Anyhow, what becomes obvious when you are faced with what is, essentially, immanent retirement is that seven years is too little time to acquire a massive nest egg. So take this advice, those of you younger than me: Save money for retirement. Do not think that Social Security will offer you anything besides heart ache. Save, save, save! And quit spending money on superfluous things instead of saving. You didnt' need that pay per view wrestling extravaganza, not really, right?
So that's what I'm all about these days. Trying to prep for retirement. Thinking too much about things that I can't decide on for six years or more. Driving myself nuts. And trying to sell my stupid house.
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