Money in, money out

Read an article about this guy that decided to retire at 45 years old. He was a financial consultant, and had prepared well for this eventual day. His wife wanted to wait a few more years before following in his footsteps.

Anyway, he stated that his retirement income was around 80k a year, and his wife earned about the same. So, we are looking at $160 k, or $13k (gross) per month.

For 98% of America, that would be a sweet retirement income. But not for this turd. He said he needed to do some side work to supplement their income. Say what? Okay…he then went on to list some of his expenditures, one of which was “daycare”, and not the $200 a week kind of day care. My first thought? “Lazy Fuck. You are retired. Watch your own damn kid”. My second thought? “Lazy Fuck. You are retired. Stop pawning your kid off to some childcare worker.”

Anyway, this guy had expenditures that were convenient, but hardly necessary. Give me ten minutes with his “budget” and I can trim that shit down to pragmatism in seconds flat.

I am now into my 7th year of retirement, and here is what I have found:

(1) I get to fully exercise my 1st Amendment rights, and “feelings” are not a variable in my speech algorithm.

(2) It is not about how much money is coming in, it is about how much is going out

(3) I can reflect on all my civilian bosses, and realize I was right. They WERE all assholes who got promoted for the wrong reasons.

(4) I do not need a hobby to keep from getting bored. Playing Mr. Mom keeps me plenty occupied.

(5) My phone rings less in a month then it used to ring in a day

(6) I can outlast service representatives when they put me on a “brief hold”

(7) Daytime TV is way better when you have Streaming Services

(8) “Alarm” clocks can just be “Clocks”

(9) Calendars are just so you know when trash day is

Well, that is a wrap. Anybody else retired that has had an epiphany or two, just leave them in the comments section!

15 thoughts on “Money in, money out

    1. When I was a Senior Non Com in the Army, I tried to explain to the young (and perpetually broke) privates that a six pack of beer and a pack of smokes a day was a car payment. Same principal, except change out “beer and smokes” to Latte’s.

      Liked by 1 person

      1. Yes, that’s it! When my husband worked in an office before COVID (now he works remotely) he took his lunch to work in Tuperware every single day rather than going out to a restaurant with other employees.

        Liked by 1 person

  1. No longer interviewing clients and running workshops I no longer need to maintain business “aesthetics”. I’ve always been frugal with clothing – quality over quantity -and am still wearing outfits I bought ten years ago. My clothing purchases are now minimal, two $40 hair cuts a year, have the time to colour my own hair and 1 new pr of shoes a year. Much happier and massive savings.
    No need for the gym : daily walks and the garden keeps me exercising with the benefit of all those fresh organic vegetables.
    Never been happier!

    Liked by 2 people

  2. HA, great one! For me, it’s actually fun being frugal. Who knew?! Whatever I bring in from the garden is dinner, life simplified. It’s actually highly creative—what can we do with cucumbers today? What seasonal foraging will be on the menu? How else might we eat pig liver? (Did you know, liver cakes, made like fish cakes, are delicious? Just learned this a few days ago through my own ‘science’ experiment!).

    Time is the only luxury, and my life is more luxurious than it’s ever been. I have time to research and learn and play around with art and poetry, for no other reason than, why not?

    Liked by 1 person

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