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Thursday, March 30, 2017

Retirement Is Just Not In The Cards For A Lot Of Us

As I've gotten older, more and more of my high school and college friends are posting about being that much closer to retirement. Some of them have planned well and are even close enough to have a countdown clock going.


Well, I've had to make peace with the fact that I am most likely never going to be able to retire.

I mean, never. Never ever.

Let's be honest, here. I'm a divorced woman who's barely scraping by. And I have a special needs kid who's either going to be dependent and living with me, or in a private home that's going to cost money. Lots of money.

My divorce left me financially decimated, and while I got a portion of the ex's 401k, it's not enough to retire on and it'll take forty years to grow it to a retire-able sum.

So unless Jason Momoa comes to his senses and dumps Lisa Bonet so he can marry me, or the Disney Channel realizes what a slam-banging TV series my YA book would make, I'm going to be needing the salary of my day job, at least until Social Security kicks in (please let it still be there when I need it). Even then I'll still need some kind of job to supplement that because you can't live comfortably on just social security pretty much anywhere - especially with a dependent.

It's not the end of the world, really. I mean, I can't imagine being retired and not doing something - volunteering at least. I've been a working woman my entire adult life and sitting around is not something I want to do at length. But damn, it would be nice to travel. To decide what I want to spend my time doing and do that. To be free to visit family and take of spontaneously to the beach whenever.

Pipe dreams, all of it. This is my reality. It's just not the most ideal reality.

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