Retirement Is a Dirty Word

Driving to work today, I thought about retirement.  It was frightening to me.  Just the word "retire" makes me think of:

  • tired
  • worn out
  • used up
  • worthless
  • ready to die
  • dead weight

Pretty hard to swallow, that in 10 years-  I will be looking at retiring.  I am not ready.  Notwithstanding, the economy tells me I won't be able to even afford to retire in ten years.

More frightening.

I always thought of myself as being creative, but am I resourceful?  I think one has to be very resourceful to come up with a plan "B" when you're looking into a crystal ball. Check out this chilling Daily Finance article the-notion-that-youll-spend-less-in-retirement-is-totally wrong

I look around, and see loads of resourceful people.  They are not licking their wounds, but rather; they have established clever little businesses to sustain them as they shift into first gear.

I haven't done that.  I have thought a great deal about it.  What I want to do when the time comes.

When I started blogging, I thought, hmmm; this  is a good idea, because I believed it would open doors of possibilities.

To some degree, that has been true.  But it is no secret that you cannot make a living blogging.

Baby boomers, like myself, have this dirty little secret:  we never planned for tomorrow.

 I can remember my mother's good friend telling me to "put my money away."  I also remember feeling very angry about her telling me what to do with my money.

 How dare this woman stick her nose in my business, I thought.

Of course, back in the day, money was rolling in like no tomorrow.  I had a career, making excellent money, and never thought about tomorrows.  Money was to be spent, and I bought want I wanted.

As I look back, I realize I was too foolish and stubborn to look at reality.  And, I haven't changed much since then.  I have been to the school of hard knocks, but all I do is dream about a change in my lifestyle.  I still love to dream, it quiets my restless soul.  

I can't bear to think that I will spend the rest of my life in a void of financial doom and gloom.

So, with that said, I would like to hear from other baby boomers, on ideas to keep yourself afloat, as we approach retirement.  Because, l don't want to retire in the true sense of the word.  I want to continue to provide for myself, be an active part of the community rather than shrivel up in a corner of my home.

So tell me; what are your plans for retirement?

Will you be able to retire and provide financially for yourself?


  1. I have been saving since 18. Being blessed with parents who were savers, they ingrained it in me. My husband is a saver too which helps. We are investing in foreclosed condos as our "Little Business". Lots and lots of hard back breaking work, but nice when the rent starts to arrive. Thanks for this honest article. It's not easy admitting this. BTW, YOU can start saving NOW, ten years is a very long time to save!

  2. This is so good to hear. Good for you! I think money has been the root of a great deal of my problems for years. Unfortunately, I have only learned this recently. Yes, I am close to being able to put some $$$ away, even though I have a tight budget. Thanks for your encouragement, and sharing your story.

  3. Another saver here. My husband balances me out, and together we have a decent grasp of the "now" and the "later."

    What I'd like my kids to absorb from us is that you always spend less than you make. And that you pay yourself first (save).

    Interesting questions -- I haven't thought much about retirement in awhile!

  4. That's cos' you're so young! Well I have heard about the pay yourself first. I totally agree. Trouble is, sometimes I can't pay anyone!

  5. Oh, I understand, completely. I have not been financially advantaged in life but my husband has been wonderful. I'm getting ready to launch my own web business that I have been plotting and planning and testing and prototyping for 5 plus years, and now that I am Done Nesting I have the ability to focus on it. There may be stuff on the site that will help you. I can't say more than that now. But don't give up, networks of women are wonderful for support, inspiration, and business!

  6. Congratulations on your web business. Terrific news!

  7. I am not a big planner either! I haven't started really thinking about retirement yet, I guess I am waiting until all the kids get out of the house. We have 401ks we have been participating in, but no idea if that will be enough.