I was never one to pursue dreams nor chase rainbows. Not ambitious and never goal orientated. I’m more one of these “one foot in front of the other and just keep moving forward” people.
So I retired not because I had reached a certain age nor a certain stage of independence but because getting out of bed to the alarm became a chore. That first cup of tea at 5 in the morning lost its flavour. I couldn’t taste my toast and Vegemite. I was functioning on automatic pilot and had been for several years. Didn’t make me any less interested in my work performance; it just left me empty.
So I did attend a couple of financial seminars, read a few books, and tried to become a little more savvy about taxation, franking and dividends in the last few years of my working life.
Essentially I did not take one word of advice from any financial advisor or bank manager who all recommended that I continue working for another 8 years minimum. I actually closed my account at the bank which I had been utilising since primary school days after being lectured by a pup. Pleasant pup, but a pup nonetheless. Don’t nag me about financial management until you’ve paid off your own property and covered the kiddies tertiary education thanks Sonny Jim.
So it was damn-the-experts and go with the gut. I just quit. Never once have I looked back nor regreted the decision. One of my greatest pleasures is watching everybody go past on their way to work each morning as I sit with my pot of English Breakfast…..It really is the simple things.
There are simply too many positives to share here, too many experiences that I would not have enjoyed had I still been tied to a desk.
Today I read some research that said “ Retire at 55 and live to 80; work till you’re 65 and die at 67. New data shows how work pounds older bodies.” And “Ten working years could cost you twenty years of your Retirement”.
Feeling vindicated even if its all lies.
There are two big Life Lessons I have gained over the past twelve months:
- Financial Advisors work for you, you don’t work for them. And bolt when they start throwing around psychology.
- Every day is a gem. Celebrate each and every one. Even that first beautiful cup of tea at 5 in the morning.