Tag Archives: Baby Boomers

I am Grateful for the Young!

For a while there, I was in danger of becoming one of those grumpy old gals declaring, “You kids get off the lawn!”  I would comment to my friends about these useless young people, who spend their days in coffee shops –  who think they will become millionaires based on their knowledge of essential oils.  How can these crazy kids ever amount to anything when they are going into debt up to their eyeballs, and are unable to delay gratification of any kind???

But then some recent happenings caused me to reevaluate my position (or at least bring it into sharper focus.)  I have been asked to guest post by Janis over at Retirementally Challenged.  So how about if you pop on over there and check out my new appreciation on Janis’s GratiTuesday post!  While you’re there, visit the rest of Janis’s offerings.  You’ll be glad you did, because Janis is awesome at being retired!

Lynn

They’re Plans, Not Dreams

Hubs and I have always been dreamers!  We have all kinds of ideas about the things we’re gonna do “someday!”  Remember how we’ve talked about getting that travel van?  Gonna explore this country and drink wine while boondocking at amazing sites.

Well, we’ve decided to stop dreaming, and just start DOING!  Maybe not all at once, maybe just in baby steps, but every chance we get – crossing items off OUR LIST.  The van is still in the plans – we’ll plan to find the perfect model and price.

Screenshot - Our List

In the meantime, I started up our Encore Voyage Instagram account, to share the photos of our wanderings…

Instagram:  encorevoyage

So pop on over and follow me, okay? Because we’re gonna take you with us on our adventures!

Lynn

We Can’t Spend Our Retirement Savings

Back in 2010, when hubs and I found ourselves both unemployed, we panicked – for about ten seconds.  Then we realized that we had been saving from every paycheck for our entire lifetime…we would be OK!

Skip forward eight years, and here we are – debt free, our home is paid for, our vehicles are all paid for, we are retired to whatever extent pleases us at the moment, we have sufficient pensions, and our investment account is healthy.  Now here is our dilemma:

We have spent our entire lives saving for our retirement,
…and now we have a hard time spending that money!

I can remember when my parents moved from acquisition to distribution in their own retirement.  My dad went out and bought a one-ton crew cab pickup and a matching 30-foot travel trailer.  My mom cried for days…not because she wasn’t up for the adventure, but because the idea of spending that hard-saved cash was contrary to our family’s deeply ingrained habits to “save for a rainy day.”

So here we are.  Hubs and I have been discussing (dreaming really) of buying a Class B travel van – basically a very fancy tent on wheels – so that we might load up our Roxy dog and take off exploring this country.

We have the cash, we could buy the thing outright – but wow, that would make a dent in our retirement funds, and we love watching that account balance go up…not down.  We could put down a sizable down-payment, and pay the rest off monthly, but there goes that “debt-free” thing.

So here we sit.  We’ve shopped different models, we’ve discussed the features we want to have, we continue to do internet research to learn new RVers tips and tricks.  Now if we could only pull the trigger.  A dilemma wrapped in a conundrum…

Lynn

Photo: Pina Messina ~ Unsplash

 

 

I Forgot to be Retired!

Late in March, Tanya, over at Our Next Life ran a couple of posts about using the term “retirement” honestly.  If you continue to make some money on the side, through blogging or other means, are you truly “retired?”  Tanya makes some good points about being honest with young people, who may get the impression that if they just save, they can retire early and presto…everything will be both hunky and dory!

As I mentioned in a post long ago, I had friends who told me, “You didn’t retire…you just quit.” , So when we met with our financial adviser last month, I asked her if she considered us retired, even though we continue to make some money.  Here’s what she said:

If you don’t NEED to make money…If you can live comfortably on your retirement income (pensions) and investments,
then YES…YOU ARE RETIRED!

She went on to say that if we continue to pursue other activities which we enjoy, and by chance make a little cash on the side, well, that’s just the icing on the cake.  We can pick and choose how we spend our time (another element of retirement.)

But here’s the rub…

In my little side hustle, I do some administrative support gigs for a few clients.  Document production, organization management, event coordination – things like that.  They are jobs that I can generally do from anywhere, on my own schedule.

Except that I forgot to pace myself…I kept saying, “Sure, I can help you with that!”  And before you know it, I was missing from my blog.  For almost a month.  Because I had work to do…..

Almost like a real job!   Ewwwwwwwwww!  Enough of that nonsense.  I’m retired!  Remember?

Lynn

Tips for Future Retirees

Happy Sunday, Voyagers!  Do you remember back a couple of months ago I asked you to ponder the following question?

What is the one piece of advice
you wish someone had given you
prior to your retirement?

Our retirement blogger community rose to the occasion and provided me with a wealth of suggestions.  Happily for me, I have been asked once again to guest post for Donna over at Retirement Reflections.  So I figured this was perfect opportunity to share the list I (um…..you all) put together.  So hop on over to Retirement Reflections and take a peek!  I’m excited to see what you think!  You’re the experts!

Lynn

Retirement Travel Togetherness – 13 Compromises to Consider!

Hubs and I are getting ready to do some more Voyaging!  Next week, we’ll head to Phoenix, Arizona, escaping what is predicted to be the next wave of snowy weather here in Idaho.

In our years on the Voyage, we’ve learned some things about traveling together.  It hasn’t always come without some tensions and bumps in the road.  But as I’m sure many other retirees can attest, there are compromises which must be made:

Relaxation vs. Adventure – I’m more of an adrenaline junkie.  He’s more of a sip wine and read kind of guy.

Planned out or “Fly by the Seat of Our Pants” – Our compromise is usually a little of each.  I like to do some initial research.  We schedule things only as the events require.  (We’ve been saddened when attractions were closed on the day we wanted to visit.)

On water vs. On land – Some people love cruising.  Others can’t stand the idea of being stuck in the middle of the ocean.  Some crave the beach, others, the mountains.

Fly, drive or travel by other means – My brother-in-law will die before he will board an airplane.  Good to know.

Lots of driving or Little-to-no driving – Depending on the location, sometimes we take our own car, sometimes we rent, sometimes we hire car services, and sometimes it’s Uber or Lyft.  And did I mention that a smaller type RV is in our future?

The question of music – Yes, No and What Type? – In the car, sometimes our music tastes differ.  He likes classical, I prefer contemporary. Our best compromise is mid-seventies rock, turned up loud, with both of us singing at the top of our lungs!  Reliving our college romance!

Where to stay, and how much work that will involve – I’ve heard folks say, “If I have to cook and make my own bed, it’s not a vacation.  Sometimes we choose hotels, sometimes Airbnb , or rental condos, sometimes high-end resorts.

“Sleep in” or “Up and at ’em” – There is nothing more annoying than having someone try to wake you up when you’re on vacation.  Or conversely, there is nothing worse than tapping your toe waiting for someone to get up and ready.

Temperature and weather considerations – It’s amazing how many people responded to my McCall post with comments about how we could just keep our Idaho snow.  But some of us know that the correct clothing and preparedness makes this a winter playground.  Many would disagree.

Amount of down time – This is an important one.  Some people like to go, go, go, while others need or want more frequent breaks, and packing the day full of activities is not so fun.

Airports – When is the “right” time to arrive? – Surprisingly, this can be a point of contention.  While hubs wants to leave absolutely nothing to chance, I’m a bit more of a “what’s the worst thing that can happen?” kind of girl.  Depending on where we’re going and the travel conditions, we negotiate our departure times.

Shopping or No shopping – My advice is to be sensitive.  If your hubs is not a browser, please don’t torture him.  It’s his vacation, too.  As for us, we spend little money acquiring more “stuff,” so it’s not really an issue.  We both like to nose in unique, non-touristy, craftsman type of shops. (We do look for a “not cheesy” Christmas ornament to represent each adventure.)

Different Interests during different trips – We took a trip to the midwest, with the primary purpose of visiting all things Frank Lloyd Wright – including Taliesin in Wisconsin, and the Robie House in Chicago.  Our first visit to the Phoenix/Scottsdale area, over ten years ago, was for all things automotive – The Barrett-Jackson car auction and Bondurant High Performance Driving School for hubs. Our trips to St. Louis and New Orleans were primarily in search of jazz and blues.

In each of the above instances, communication is the key!  It is far better to discuss things before you go, rather than to discover them after you arrive, or, even worse, to brood in silence when you find situations which test your compatibility!

As we return to Scottsdale this time, we’re soaking up warmth and a vibrant art scene enmeshed in Southwest culture.

So how about it, fellow voyagers?  What compromises in travel have you needed to make as you go wandering during retirement?

Lynn

 

Retiring Traditions

As you may know, hubs and I have no children.  For the record, I had everyone else’s children for the best hours of their days.  For.Thiry.Years!

Back in the days, when they found out we didn’t have kids, people would say, “Who will take care of you when you get old?”

My tongue in cheek answers were:

“Having someone to wipe your DROOL is NOT a good reason to have children!”

Or

“I don’t know…I’ll call you from the Caribbean
and let you know how it all worked out!” 

Up until now, we’ve spent Thanksgiving in North Idaho with his mom, and Christmas here at home with my family.  But things are starting to change.  The parents-in-law have all passed on, and the numbers available for big shindigs are dwindling.  The nieces and nephews each have their own families and traditions.  For the past couple of years, there has been quite a bit of leftovers from a 15-pound turkey!

So this year, hubs and I are approaching our Christmas Traditions with a little more intention.  We actually sat (with wine, of course) and had the discussion about which of our traditions should be non-negotiable, and which ones we could reinvent.

Surprisingly, neither one of us was opposed to traveling during the month of November or early December. Or even in January. Both of us want to be in our home for Christmas Eve and Christmas morning.  We will approach certain traditions with mindfulness:

  1. Decorating our small tree together, with the ornaments we’ve collected from each year since we were dating.  Again, wine (or perhaps hot cocoa with Cinnamon Schnapps) will be involved.
  2. Making my mom’s Divinity recipe
  3. Baking Christmas cookies – perhaps with my sisters if they’re available.  It doesn’t matter that I’ll probably give many away, or put them in the freezer.
  4. Finding the lights – Putting the dog in the back seat of the pickup, grabbing a couple of Starbucks specials, and going in search of festive lights and decorations.
  5. Christmas Concerts – We plan to attend as many Christmas art events as we can squeeze in, without getting overwhelmed.  Friday night we saw Elf – The Musical, and it was magical!  Trans-Siberian Orchestra is coming up!
  6. The Decorations – We’ve decided that we don’t need to kill ourselves decorating our home for the benefit of others.  This year, I decorated only with those items that make my heart sing – The antique Santa toy that belonged to my mom, the carved Santa made by my brother-in-law.
  7. Christmas Eve – We’re keeping Christmas Eve for the two of us – quality time, outstanding food, warm fire. The reason for the season.
  8. Charitable giving – For many years, we have filled a local Toys for Tots box.  I mean, seriously…just because we have no kids, doesn’t mean hubs isn’t just a great big one!  We love shopping in the toy department.  He always tends to pick out toy cars, trucks and construction equipment – Go figure!  This year, we have another fun idea to try.  But that’s another post.

I guess the important part is that we’ve given ourselves permission to intentionally alter or change entirely those tradition we’ve held for years, when they no longer meet our needs.  As we age, we don’t want to be seen as “charity cases,” invited to people’s homes because we are old people with no place to go (Ooooooh – that sounds yucky, even to me!)  Nope, not us.  We’re going to take this holiday bull (or reindeer) by the horns and create our own Encore Holiday Season!  Someday, we might even board a cruise ship on the day after Christmas.  Who knows!  I’ll call you from the Caribbean and let you know how it’s working out!

Lynn