It's retirement time again (second time around for me), and one thing
I have learned in the last 20 years: don't expect your old savings and
pension plans to be enough for you to live on, unless you like to live
poorly. Health and family requirements sneak up on us as we get into
the 50s and 60s, only to cause stress and anxiety if we are not well
enough prepared to handle them... and it all costs more (and more)
every year. So the ugly challenge becomes where to find the money to
live as well tomorrow as you did yesterday without going into debt.
My solution is to be an independent business owner and consultant.
It takes some time, and energy, but I had to take control of my life
sooner or later... there is no free lunch in today's world. At least this
way I can have some control over my cost of living and know that if I
need more money there is something I can do about it. This feeling
of empowerment lets me sleep nights, with confidence and peace
of mind, and gives me somewhere to focus my energy. I only wish
I had done it sooner.
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