Catching Up

Wow. Long time no post.

Has it really been 8 months since I retired? Time has just zipped by. People keep asking me if I'm bored or miss my work. Like I said in my Every Day is Saturday post.....are they NUTS? No way. I have more to do than ever and the bonus is that it is things that I want to do.

Having worked since the age of 15 and with the exception of a few months of maternity leave 33 years ago and a 5 month stretch of unemployment, when the government regulated my job out of existence, I have worked straight through for 47 years. 47 years of working for other people and for myself. 47 years of structuring my life around other people's work schedule, other people's demands and trying to squeeze in the fun things, recreation and the necessary household chores that keep the house from crumbling around you into big dust bunny piles.

So to recap....what have I been doing and what has been happening in the last 8 months in no particular order

1.This one IS the most important however. I became a grandmother to the most adorable, gorgeous, smart,talented etc etc grandson. I've been able to see him once. But now that my daughter and family are moving back to the Bay Area....I will be able to visit more often.


2. Yes. We did get a refrigerator. And we are keeping the little fridge on the deck for beer and wine.








3. Started knitting again and made a pair of nice wool socks to wear around the house. I plan to make many more pairs for myself and for the Dumbplumber so that when winter comes our feet won't have popcicle toes. Also some hats for a dear friend who is going to have chemo treatments soon and will be hairless.

4. BIG PROJECT!! Went through my craft magazines and clippings that I have been collecting since the early 1960's. Organized them by publisher and by date and put them into containers that can be stood upright on the shelving in my personal (not work) office. Now in the process of scanning the projects that I want to start on and categorizing by type. Knitting: hats, scarves, sweaters. Sewing: toys, aprons, decorative. Weaving. etc etc etc. This is a project for the winter months.

5. Gardening. This is something I rarely had time for and this year I was able to really utilize the raised beds and realized that the deer are eating up all of my hard work. It is WAR!! Oh YEAH its on. Next year......a fence around the garden. Maybe something like THIS.....
Ok....dream on.

6. Speaking of office. When I closed my financial planning practice, we transfered all of the furniture upstairs into my husband's, and now my office, for his business. In addition to all of the fun stuff, I am also the bookkeeper, record clerk, ordering clerk, banker and bill collector.

Part of office set up before decorating.

Our next goal for the office is to find a neat art deco style buffet to turn into a wet bar where we can display our collection of crystal decanters and have a cocktail at the end of the day.

Cooking, organizing recipes (another collection years in the making), canning fruit, sewing aprons, making stuffed toys, cleaning. I know, most of those things sound like work and not all that much fun, especially the cleaning, but when you have never been able to really get to it.....it is satisfying to accomplish that closet cleaning and pruning that hasn't been done for years.

SO much to to. SO much fun. Everyday seems like Saturday.

Retirement IS everything it was cracked up to be.

Retirement----Sort Of

To retire or not to retire. That is the question.

A few months ago, I made the big decision. After 20 plus years as a financial advisor and insurance agent, it was time to slow down and semi-retire. Semi- because I will still be keeping for a while my insurance business.

Semi retire because my husband is purchasing another business and I will be keeping books for his two businesses as well as our personal finances.

DECIDING:

How did I make the decision? Time and Money.

1. We only have so much sand in our personal hourglass. At 60 I can see that there is more sand in the bottom than the top. It is time to enjoy the sand that I have left.

2. I'm going to be a Grandmother, for the first time. And again....time....it goes by so fast. Do I want to spend my "sand" on shepherding my recalcitrant, balky and frankly ungrateful clients....OR do I want to spend time with my husband, grandchild, my daughter and her husband and my Father who just turned 82 (who also has a limited amount of sand left)

No contest. Family wins out.

3. Time. I haven't had time to do the things that I enjoy. Hobbies that I have let languish over the past 10 years of self employment. Cooking, Quilting, Painting, Gardening, Sewing, Knitting, playing my guitar. I am sooooo...looking forward to being able to exercise my artistic and creative side, instead of my analytical and managerial side.

4. Money. While most of my clients have done very well, even through this latest downturn and many have actually made money, I am just sick of dealing with everyone's problems. Holding hands. Trying to keep people from running off of the rails. Frankly.....I'm sick of most of my clients. One positive sign that it is time to quit.

5. Money. The fees and charges to doing business have gone up and up and up. A 25% increase next year for basic services from my Broker Dealer. Fees added to fees. Not to mention paperwork and compliance up the boo yang. Add in the office overhead, insurance etc. It was a no brainer.

So....I have moved my office to my husband's business. Upstairs above the workshop. Despite his whining that he is going to lose his 'man cave', he admits that it does look pretty nice, manly and .....bonus!!!.. I will be cleaning the office so that there aren't as many manly dead spiders, flies and cobwebs. Another bonus. I plan to set up a wet bar and get some nice recliners and a flat screen television so we can watch movies and just relax.

MOVING:

OMG. The pain of moving almost 10 years of office accumulation, files, supplies, decorations. And moving all of it UP a flight of stairs. I'll tell you one thing. After all these trips up and down the stairs carrying my end of the furniture and boxes of stuff......I will have buns of steel. Right now I feel like someone has kicked me in the rear.

Throwing away items. It is liberating!!. Anything to do with securites. Trash it. Have I looked at it in the last 2 years? Nope....trash it. How many of these pens, folders, whatevers do I really need? Trash half of them. Dumpsters full of trash.

ADJUSTING:

So far, the adjustments to retirement has been a bit strange because we have been so busy with moving and repositioning.

First thing to deal with is the idea that "I don't have to be anyplace at any particular time". I don't have to get up and be in my office at 8:00 am. My time is going to be my own!. At first I felt like I was shirking something.

I don't have to get dressed up into work clothing, which is for me heels, suits or nice pants outfits. Looking forward to the transition into more casual, less make up, less jewelry styling......while being careful not to transition into slob.

Because my time is NOT structured and I don't have multitudes of client obligations, right now, I feel like I should be doing something else. Something constructive.

I know.......I'll bake some bread and settle on a new knitting project, open a bottle of wine and sit in the easy chair and listen to some Coletrane, while the Dumbplumber is busy with his latest book and nap.

Ahhhh.... retirement. I think I can learn to like you.