Dividing Days

Everybody has to work. The end. I wish it wasn’t so, but it is the truth. Even retirees work, honestly no one can get away with doing absolutely nothing. I don’t think extreme bliss lies in doing zero things. You just don’t get paid anymore. I have many friends toe tipping into the retirement pool, not so many are sure they want to make the plunge. I am sure life is beachy but I am also sure there is way more beneath the surface that we think. You start asking questions and the answers are not what you may have thought they would be. There are big debates on the perfect age to join this elite group. The answers are so varied amongst people. The point is we don’t know, none of us have done it. Sure Aunt Clara said…. But Uncle Rick said that isn’t how it works.

Do you have a financial advisor? Anyone have a retired Mentor that can give you all the secrets to the universe? It is similar to the days of selecting college courses and choosing your life’s work. What if you choose wrong? Someone told me it all evens out at age 74 anyways. Someone else said, don’t collect any money for a full year after you retire. The masses say, it doesn’t matter, you can’t take it with you, or you could die before any of it. Then of course get your affairs in order, because nobody gets anything unless you have it documented and it just stays in the courts for others to fight about. No clue.

You could go at it with all your might, the future happens regardless. Sell everything and put all the money into a rental lease and when the money is gone, good luck! RRSP, TFSA, home equity, savings, someone is always gonna be in your pocket. There are pension tables in place to only distribute certain amounts per year or you get taxed more on money you were already taxed on. I think it is better to plan on how you feel, how you are coping doing your job. Some times you just know you are done. Aim for happiness that should be the goal. You shouldn’t head off into the sunset of your next stage, beat down and burdened. I am elated for anyone who has it all figured out. Cheers to your sunsets!