RETIREMENT IS SERIOUS BUSINESS

I stopped working more than five years ago. I was too sick to keep going and I was old enough so the market for my services was drying up.

I started getting disability almost 2 years after I was physically unable to work. It turned out my monthly disability check was less than a week’s pay as a working person. I tried intermittently for several years to find part-time work that might bring in a bit of money. So life wouldn’t be so difficult.

Nothing lasted long. More to the point, I didn’t last long. I hurt. I was exhausted. I worked more slowly than I did in the past. Finally, I gave up. I was 61.

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Garry had stopped working too. There were a lots of adjustments to make. On the psychological side, we had to learn to be retired. The world is different when you don’t have a job to define your weeks and days. I had worked at home a lot over the years, so it was not as abrupt a shift for me as it was for Garry. Eventually we slipped comfortably into not-working.

The financial part was — continues to be — challenging. The mortgage had to be lowered or we’d lose the house. Somehow, we got it done. Both of us had no health insurance for more than a year. Me for more than two, during which interval, I nearly died. Because no one would repair me without insurance. Eventually, I lucked into a doctor and a hospital who cared more for my life than my lack of insurance. I’m alive to write this only because of them.

We kept cutting back and cutting back. Last spring, our outgo and income became equal. Exactly. Assuming nothing outside programmed expenses ever occurs, we have the same amount of money as month. Which is absurd. Life is full of expensive surprises. Cars break. Pipes leak. Wells go dry. Appliances wear out. Dogs get sick. Meanwhile, fixed incomes have less and less buying power as inflation eats away at them.

I got sick. A lot. Big time. One nearly dying event was apparently not enough for me. I had to repeat it a couple more times, to make sure I got it right. Then there was breast cancer. Two cancers, one for each breast. I thought, having got through that, I’d earned a reprieve. Sadly, life doesn’t work that way. Life doesn’t let you “pay it forward.”

This year, it was my heart. Five surgeries later, I’m back. Blogging my remodeled, rebuilt heart out.

The other day, I received an invitation from a well-known, quite prestigious website to become a contributing editor. This would require I write two posts a month, minimum. Really, they’d like at least one a week or more.

Serendipity is a personal blog. I write about my life, memories, experiences, thoughts. Occasionally, I put up an issue-oriented piece. The other site is more about issues and news. More impersonal, less anecdotal. A lot of politics. Government. Current events.

The point — for me — of taking on this other writing role would be to have a forum where I could post about different stuff, the stuff I avoid on Serendipity. The thing is, I’m not sure I want another forum. Or need one. Even though I’m flattered. It’s so hard to say “no” when the compliments are flying thick and fast.

Nonetheless, I take retirement seriously. I don’t work, don’t search for work. If I get a nibble (because my résumé is out there and headhunters find it), I have (finally) learned to say “no thank you.” My survival is predicated on not working. Not having deadlines. Keeping my anxiety level low. If I take it easy — low-key, low stress — I can have a pretty pleasant life. No money to spend, but otherwise nice enough. Do I want more responsibility? Can I handle it? I thought I had decided “yes,” but I find myself wavering.

These days, I take retirement seriously. As seriously as I ever took any job at which I worked for pay. It takes dedication to do retirement properly.