Now that I’ve got that out of the way…

So I am 42. And I feel very similar to how I felt when I was, say, 35. But the difference between 35 and 42 is that I am, you know, seven years older now, and that means I am seven years closer to retirement.

I have not so much started preparing for retirement. That has always seemed like something I would do someday. I met with The Guy at work today to see about fixing that a little bit. My employer offers a pension, but on top of that I am able to contribute to a 403(b), which I did for a hot second right after my divorce happened when I was feeling all “I am woman, hear me roar” and “I will survive” and “Stick it to the man.” And then I realized that my new budget did not have room for such extras as The Future and I needed to bring home as many of my dollars as I could so that I could do things like feed my pets and also myself.

Thanks to some guidance from my therapist (as well as some big changes and hard work on my part), I am thisclose to paying off $42,000 of credit card debt (through a debt management program because there is no way I was going to be able to tackle that on my own). I was also, thanks to the generosity of my grandmother, who passed away a couple of years ago, able to pay off some student loan debt and buy my house. All that consumer/extraneous debt is basically gone. I am down to home and car debt. This seemed like a good time to look at my retirement plans. I love my job, but I don’t think I still want to be doing it when I am 80. So today, I put on my big girl panties and did something about it.

And then I was so tired from all that adulting that I drove to the Starbucks that is farther away from my house because it has a drive thru and that meant I didn’t have to get out of my car again. Steps forward. Steps back. It’s like a cha-cha.


One response »

  1. I’m right there with you, sister! I started saving for my retirement late in life and after my husband left, I started freaking out that I would end up fighting with my cats for their food and then they would get their revenge by eating me when I died of starvation because I could not afford to eat. My brother, who is a financial adviser, took at look at my finances and my current retirement savings plan and told me that – if social security doesn’t disappear and if I don’t live past 85 – I’ll be able to feed and house myself. So, I have that luxurious lifestyle to look forward to.

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