.... and the week is half over... which makes me happy.
Had some good financial news and Dean told me I needed to talk about it here since I'd done so much whining here when I was feeling all financially depressed! And, he's right. God, I hate being a whiner. I really do. But there's a real release in being able to come to my LJ and just
spew about the things that are worrying me.
Anyway! The good news is that when I signed up for Medicare (my GOD I am so OLD!) the very nice lady at Social Security told me that I should call her back next January to sign up for SS benefits. I told her I would still be working, but she said that didn't matter. That I was entitled to the money from the time I turned 66 and even if I had to pay the IRS tax for it, I'd still lose money if I didn't sign up and start getting my checks!! She didn't have to twist my arm. I told her I'd call next January to sign up.
And to that bit of news I have only one response:
♥ Woot!! ♥That extra money will be
just enough to cover the bills I was fretting over and thinking I'd have to keep working another 6 months to pay off. So.. I can retire at the end of June next year. I won't be rollin' in dough by any means. But then right now no one IS. But I'll be debt free (except for my car) and able to retire with some degree of... I want to say
comfort but that might be stretching it. I won't have real 'comfort' 'til the market rebounds and I can sell my house. But with some degree of
security at least.
And.. upon hearing
that news I decided that once I retire I'm going to go spend a
month in Seattle with
abandonada. Just hang out at her place, look around Seattle, get the lay of the land, look at apartments maybe, check out opportunities for volunteer work, and enjoy being retired. Then I'll come back and begin the serious business of finding a renter for my home. There's no way I'm going to sell it for $37000 less than what I owe... so I have to wait. Hopefully it won't take too long... but we'll see.
So.. I'm happy... or at least happi
er. It's not the situation I wanted. It's not what I envisioned for myself upon retiring. But it's a damned sight better than many people have it. I have faith in our president. I have faith that he's going to turn things around in time. Unfortunately... I retire in a year and a half. I doubt there will be much change by then. But there will be change eventually.
I've had people advise me NOT to retire. To keep working maybe another five years and let the economy right itself. There's no doubt in my mind that this would be the more fiscally responsible plan. I make good money. I have enough seniority that they won't lay me off. And I work in education so the perks are amazing. But... I'm not going to do that. Not even if it would be the best financial choice. My mother worked 'til she was 80 years old. She died just short of her 84th birthday, a very angry woman... horribly bitter over the hand that life had dealt her. She felt she had been short-changed by life. That she'd worked hard and that all she got for it was pain and death. That she'd never done the things she wanted to do.
If I learned anything from that experience it was:
Follow your bliss. I might be more financially secure if I kept working. But I've been working since I was 15 years old. That is not what I want to do anymore. I want to have a different kind of experience in the last years of my life. I don't want to die a bitter, angry woman because I worked and worked and never did the things I really wanted to do. My mom could have chosen a different path. I begged her to retire earlier and travel! Go live in Florida with her sister for awhile. Enjoy life! But she sat in that little house of hers, refusing to have friends, refusing to be part of any senior group, refusing to travel, doing jigsaw puzzles and working.
Not me. Her life... and her death.. had a tremendous effect on me. There are some things more important than money. WAY more important. I'm retiring.
And.. we'll see if I still feel that way when I'm a bag-lady wearing men's shoes, talking to buildings, and eating cat food for dinner. ;)
( And to help celebrate the fact that the week is half over and that I might <b>not</b> end up as a bag-lady... here is our beautiful Elijah! )