Tag Retirement

Just a Number

Michael 2 Comments

Welcome to Major League Baseball 2019. Today is opening day. I remember way back when I was a kid, a youngen, a tyke, a small fry even, on opening day we would sneak our transistor radios into school with our earphones surreptitiously threaded up our short sleeves so the teacher would not know we were listening to the game instead of conjugating irregular verbs. Like she really wasn’t going to notice that hunk of plastic on the desk. But we were young and stupid. Much like the players we cheered on. Oh, not the stupid part. Young. They were young, just like us. Younger than I ever, even to this day, realized.

BaseballOf the four major American sports, baseball has often been maligned as the old man sport. It’s slow, it’s boring, nothing happens for long stretches, anybody can play baseball. Eh, probably that last part is true. It does not take much to play baseball. A bat, a ball, a glove, and an open field and you have the minimum requirements for the game. But it’s not an old man’s sport. No, not at all. You see, also of the four major American sports, baseball is the only one opening this year’s season with nobody playing who was playing MLB baseball in the 20th century. Nobody taking the field today was there on opening day in 19-anything. No one. Not one. Nary a soul.

That’s only been 19 years. That’s one less than 20. For some of the younger folks reading those words 20 years could be a large percentage of their lives and might still seem like a long time. But looked at from a regular job perspective, twenty years doesn’t even get you a commemorative watch. Apparently for Major League Baseball, less than twenty years gets you retirement. Even for a government job you need to put in the “whole twenty” to cash in on a cushy pension.

Only 19 years. If a player started his major league career at the seemingly ancient age for a rookie of 25, he is among those sitting in lap of retirement luxury and not yet 45 years old. I had dreams of retiring at 55. I figured if that was old enough for the government to say I could start drawing from my IRA without penalty, and considering “retirement” is right there in the name of the account, then it must be the perfect age to target for retirement. Of course I knew I would more likely work until I hit 75. But 45. Forty-five! Wow.

I’m old enough not to be impressed by terribly much but that report really floored me. I’ve watched hockey players playing the game for over 20 years still this year. There is considerably more physical contact in hockey than baseball. Football and basketball both still have players who were wearing the uniforms from way back in the last century. Nobody ever called either of those an old man’s sport. Of any of them I’d not have pegged baseball as the first sport to lose everybody from the pre-2000 days.

As “they” might say, time marches on. It just doesn’t circle the bases.

 

Give Me a Break

Michael 2 Comments

Everything starts to run slower every now and then and can be fixed if you unplug it then plug it back it. Even you. This sage advice is brought to you by the people who marketed the first home computers way back in the dark ages, like 1970something. That it’s still true today isn’t surprising. That you need to unplug even from unpluggedness isn’t something I would have before imagined.

When I was working I always looked forward to time off. Not a day or a weekend. Not a week around the holidays when you worked harder at cooking and cleaning and then celebrating and recovering than you did before taking the time off. Real time off. A week on a beach on an island that has spotty cell coverage and Wi-Fi is something you ask when questioning the use of the 21st letter of the Greek alphabet. That kind of time off.

If you’re still of working age I strongly urge you to consider using some of your time for actual time off. Even if it is just a day or a weekend, make it a day or a weekend of unpluggedness. Maybe you can use it to come up with a better word than unpluggedness. Lexicologists excepted. And if you’re still working then by all means take a break from not working.

Here’s my logic. As I said, when I was working I looked forward to my time off. I also looked forward to going to work. Yes, I was one of those people who loved my work. I didn’t mind if I was in early, worked through break times, worked late, worked extra, or covered others. Preferably not all in the same day but if it happened I still made the best of it. But even though I was doing what I loved I wasn’t going to be fooled into believing that sampler waiting to happen “when you love what you do you’ll never work a day in your life” resembles truth. Doing anything well, even something you like, takes work. That’s how you get good at it. And work, even at doing something you like, is tiring. Exhausting even.

You need that break from work to recharge so you can do it again. That’s why so many companies have a “use it or lose it” policy regarding vacation time. No, it’s not so they can work you to death and then not give you what (you think) you’re entitled to. They have it so you’ll be forced to take time because so many seem to think that by denying yourself time off you’ll make it look like you’re such a great worker they can’t do without and you’ll never get let go. Actually, not taking time off only means you get burned out, end up doing a half-assed job, and get let go. That’s why I insisted those who worked in my department took their time off even if I had to schedule it for them myself. That’s also why, having managed to work myself up to a position of getting rewarded with 5 weeks of available time off each year I took as many of them as I could, often within a day or two of all five weeks. It might be why I enjoyed what I did. Because I took the time to recharge. Even when I was just starting and got all of two weeks vacation, between taking time off for the holidays and family activities, I always tried to take a couple of days off to just be off.

Now that I’m not working every day should be a holiday, right? Well, not so. You know that not working was not originally my idea. Those guys called doctors as well as those body parts called mine got together and decided it was better for my health, wellbeing, and continued living to start taking time off on a more or less permanent basis. Not working has not been fun, and I was sure it was because I wanted to work.  Ah, but I was wrong.

Perhaps at the beginning of not working, not working was not fun. But I’ve been not working for 3 years now. I should be used to it. Used to it I am. Enjoying it I am not. That is until I “took time off” from being off and started doing new things out of the routine that I had established in lieu of working. It really doesn’t matter what the routine is; what matters is that it is a routine. It was going to work at not working. But in the last 2 months I took a break from that. I didn’t a adhere to the routine, and I feel more refreshed, more positive, and more anticipating of returning to, you guessed it, my new old routine.

If I can keep taking some time off from myself like that more often, I might get used to this not working thing.

 

Out to Pasture

Michael Leave a comment

2015 is an historic year in the world of horse racing. If you owned a television or a computer or a newspaper subscription you couldn’t have missed the first Triple Crown winner in 37 years. That’s not historic. It happened before. It was 37 years ago but still it had happened. No history was made.  History was made when American Pharoah (yes, that really is spelled wrong but that’s part of his charm) won horse racing’s Grand Slam – the Kentucky Derby, the Preakness Stakes, the Belmont Stakes, and The Breeders’ Cup Classic. He is the first horse to win all four races. Ever. That’s history.

It is also a fitting end to his active racing career. It is now time to for this stud to, ah, retire and go stand stud. The breeding company who handles American Pharoah’s breeding business has set a price of $200,000 per, umm, coupling. If he stands for 160 mares a year, a not unrealistic number, he stands to make $32 million a year. A thoroughbred’s average lifespan is 25 to 30 years, he is 3 years old, so he has 22 to 27 years to, uh, horse around. Just to make math a little easier, in twenty years he gets to make about $640 million with a couple years left over to relax, travel, maybe visit the grandkids, and have a bronze statue of him cast for posterity.

I too retired this year. Figuring the lifespan of my immediate predecessors I also could have about 22 to 27 years to go. I figure my retirement plan is worth about $32,000 a year and I further figure I will probably stand in the grocery store checkout lane about 160 times a year. In twenty years I’ll have made the princely sum of $640,000 and will still have a couple of years to sit around on my posterior.

I wonder if in my next life I can come back as a racehorse.

That’s what I think. Really. How ‘bout you?

Considering My Options

Michael Leave a comment

Just a couple of years ago we proposed some nifty retirement jobs even though retirement was “years and years” away. (See Who Could Ask For Anything More.) Now, just 2 years later I find myself in a forced early retirement and those jobs look even niftier. But the niftiest one was even a consideration back then.

As fun as serving ice cream, driving a limo, or tending bar (on the slow nights) might be, I want to spend my golden years (ok, silver) (ok, ok, bronze) (but shiny bronze) (where was I?) I want to spend my after-work years as part of Jeopardy’s Clue Crew. If you’re a fan you know the Clue Crew. They are the intrepid 3-some who do the narratives for the visual clue in the background. I assumed they filmed those shots in front of a green screen and the clue was painted in by computer. Recently I found out those guys actually travel to the locale of the category in question. Or would that be ‘in answer?’ Either way, that is so cool.

Here’s why I would be the perfect addition to the Clue Crew. I like to travel, I read and speak well, I already know a bunch of useless facts, and I’ve been watching Jeopardy since Art Fleming read the answers.

Now all I have to do is get Alex to read the preceding paragraph, pack my bags, and get a passport. Retirement is going to be so cool!

That’s what I think. Really. How ’bout you?

How to retire on a million dollars a day

Michael Leave a comment

We know our reader demographics fairly well and unless there might be a huge chunk of you who have retired early we’d say most of those who read (and write) these posts are quite some time from taking a permanent vacation.  At least by American standards which are now reaching closer to not beginning until age 67 and certainly even later for those with birth dates from the 1990’s.

Not so long ago on one of the television financial “news” programs, the hostess repeated her oft told opinion that if one plans on a happy and successful retirement, he or she must have at least a million dollars in a retirement account.  Even though we aren’t close to retirement we also aren’t close to having a million dollars in any account, particularly not one that will be left untouched for quite a few years yet to come.  Had we a million dollars in all of our combined accounts we’d probably die of shock and never get around to the retirement anyway.

Where, we would like to know, with houses costing hundreds of thousands of dollars, cars costing tens of thousands of dollars, and bacon costing $4.00 a pound, does one manage to cut back sufficiently to save a million dollars.  We suppose if we were a television host and hostess and making six or seven million dollars a year, we could easily scrape up a million in 40 years of working.  We might even save a few bucks from the radio shows, books, syndicated newspaper columns, and commercial endorsements.  We might be able to save a million dollars for every year of retirement.  Maybe for every day!  But we aren’t.  And we suspect if you are reading this (please, we mean not to pry) you probably aren’t saving at that rate either.

As we said, we aren’t close to retirement ourselves but we know many people who have retired.  Some at the traditional retirement age, some a little earlier, some a little later.  The one thing they all had in common is that they didn’t have a million dollars saved and yet they have managed to live happy and successful retirement lives.  How does one do it living in such abject poverty that comes with having less than a million?  Let’s start with having the big things paid for before hitting retirement.  The mortgages are gone.  New car warranties of 10 years or 100,000 miles are used in entirety.  Clothes last for more than one season.  Dinners out are held to no more than once a week, sometimes even less.  Vacations are instead long weekends.  Credit cards are for true emergencies.  Better still, hard won savings are for true emergencies.  Frugal is not a bad word.  It can be done.

Will anybody ever really need a million dollars to retire?  Probably to the financial pundits who in their working lives are making six or seven million dollars a year, a million seems to be the bare minimum.  Thank goodness they’ll still be eligible for social security.

Now, that’s what we think. Really. How ‘bout you?

 

Who Could Ask For Anything More

Michael 1 Comment

Every now and then we look forward to retirement.  Oh, that is going to be years and years away, but it’s nice to sit and dream.  It seems that there are lots of retired people we know who have jobs.  Retirement jobs.  They tend bar on the slow nights, they drive limos, or they sit behind the big desk being the building receptionist.

That got us to thinking, if we didn’t have to work for money to live on, what would be our ideal jobs.  She of We would like to make floral arrangements or on a grander scale, design gardens.  He of We wants to own a Dairy Queen.  Nice, quiet, safe jobs.

But then we got to thinking, sometimes one could have the nice, quiet, safe job from the worker perspective, but how about those jobs that from the patrons perspective are the perfect jobs.  (When we think, we think big.  Or at least different.)  So what are the jobs that nobody can ever complain about when they are the patrons?

Let’s start with the ice cream stand.  For the worker it can be a headache sometimes.  Lines of Little Leaguers waiting for their celebratory soft serve next to the lines of losers waiting for their consolation cone.  But even though there are lines and the workers are working up a sweat scooping out the good stuff, nobody in line at the Dairy Queen, et. al. is in a bad mood.  They know there will be a sweet treat for them at the end of their wait and they’re willing to wait it.  Much different from the lines at the driver license picture taking place.

It seems nobody ever gets stressed at a book store.  We know most everybody is saying that book stores are a dying business but while they are still breathing they are places where the customer is always tranquil.  What’s to be upset over?  Maybe a book is out of print. It could be a little disheartening and probably it could be found on the Internet anyway.  But at the bookstore, there’s someone there to pour over the computer screen, slogging through the search engines, looking for the elusive title.  All the while our intrepid customer is skimming the best sellers, having a cappuccino and colache, and listening to the CD samplers in the music section.

A place where stress is the norm for the worker but the patrons are de-stressed to the max is at the amusement park.  The employees at the parks have it rough.  They are standing many hours and standing those hours in hot sun.  If they aren’t standing they are leaning against hard metal chair-like props.  And for the poor souls who maintain rides that ride in circles there is always that trip out to the ride proper to clean up one of the few times the rider might be just a tad stressed.  But we love these worker bees.  With a punch of a button or a pull on a lever they do to us what amusement parks are intended to do.  They amuse.  And what can be better than that?

Yes, there are those jobs that are ideal jobs but really, how many of us get them anyway.  The better ideal jobs are the ones somebody else is doing that we think are ideal because of the benefits we reap.  That might be just a little selfish but don’t we get to be that sometime?  We vote yes!

Now, that’s what we think.  Really.  How ‘bout you?