PROVENSAV V Y
Seasoned trial lawyers who know how to win—we’re SGB.
Restaurant prices have risen so
much recently that we prepare meals
at home more than ever, more than
we preferred or envisioned. Increased
dietary restrictions produced by medical advice coinciding with retirement
have increased the expense and difficulty of both eating out and serving
meals at home.
Numerous other unanticipated
expenses resulting from unforeseen
circumstances also coincided with
retirement. In a January 2015 survey,
48% of retirees admitted they had not
saved enough for retirement (Tom
Hartmann, “Time to Tackle Too Hard
Retirement Planning,” www.stuff.
co.nz, March 5, 2015).
That, then, appears to be a trend I
have followed. Even several more work-
ing years would have allowed more
contributions to my retirement account.
Attending a good retirement course
much earlier, seeking sound financial
planning advice, and saving more would
have made a positive difference. As it
is, sometimes I feel I have regressed
to a pre-law penny-pinching lifestyle I
thought I had left.
For years, we relegated to the future the
decision of where to retire. Retiring went
hand-in-hand with growing old, which
was unpleasant to ponder; important
decisions were easy to delay.
Through the years, when we thought
about it at all, we vacillated between
moving back to the small, old Indiana
house my husband inherited; moving
to Florida or Arizona (possibly as “snow
birds”); relocating near my brother in
the Bay Area, mother in Michigan, or
brother-in-law near St. Louis; and a foreign location, as we had loved living in
Germany years ago.
Somehow, we gave short shrift to
staying in our house near Silverdale,
where we enjoy a relatively low mortgage payment and a creekside, semirural environment. Instead, it seemed
rather fun and hopeful to dream about
all the possibilities that might still
await us in retirement if we did nothing
to foreclose them.
Then, suddenly, I had retired. And
our procrastination — along with inertia, concern about moving expenses
and the physical work of a move, fear,
ignorance, indecisiveness, practicality, reluctance to dispose of household
items, emotional attachment to this
area — left us staying put.
Staying put follows another recent
baby boomer trend (“More U.S. Baby
Boomers Staying Put,” Mark Mather
and Beth Jarosz, Population Reference
Bureau, June 2013). In the long run,
that appears the most practical, viable
option for us. For now, it seems the
cheapest and least stressful. Yet the issue feels unsettled.
Our longing for a warmer, drier climates lingers. A foreign environment,
with new adventures, still beckons.
Continuing to live far from family and
friend, as we age and travel becomes
more difficult, produces anxiety, doubt,