New posts every Monday morning from a husband, dad, grandpa, and apple enthusiast
Friday, February 21, 2025
Having the "mean" teacher can sometimes be the best thing
Wednesday, May 8, 2024
What, me retire?
Maybe the conversation wasn't "overdue," though. I'm not sure how often you're supposed to talk with your money person, but it felt like we hadn't taken a step back and discussed the big picture for quite a while.
While Dave stays in touch regularly, some time had passed since I had gathered all of our account information, sent it to him, and allowed him to run the numbers and gauge our financial health.
The results were encouraging.
Lord willing and the creek don't rise, we're right on track for me to retire in about 11 1/2 years. My goal is to work until the end of 2035 before calling it quits and enjoying whatever comes next.
I'll have just turned 66 at that point and will have been a member of the full-time workforce for two-thirds of my life (that's 44 years for those who didn't have Mrs. Schwarzenberg at Mapledale Elementary School and whose arithmetic skills may therefore be lacking).
That "feels" about right. I would rather not work full time into my 70s, if I can help it, but I also don't want to get out of the game too early, for reasons both personal and financial.
There are several factors that go into deciding how much money you need to sock away for retirement, including the lifestyle you want to lead once you get there. Terry and I want to be able to travel with some regularity, whether it's to visit kids/grandkids or just see the world.
I'm not talking about boarding a plane for some exotic location every two weeks. Maybe "several" trips a year, with most domestic and one overseas.
"Comfortable but nowhere near extravagant" is how I would describe our desired post-retirement lifestyle.
That's somewhat vague, I realize, but it was enough for Dave to decide we're ahead of the curve with our savings and investment plan, given the vagaries of the markets, my presumed ability to continue working for another decade-plus, and all of the other unpredictable realities that come with aging.
This was all somewhat of a revelation to me. I'm 54 years old. I don't think about retirement very often beyond how much I throw into my 401(k) and occasional dreams of touring World War I battlefields in France and Belgium once I have the time to do so (that's likely to be a solo trip sans Terry, if I had to guess).
For the first time, the conversation with Dave made retirement seem like a tangible thing and not just a far-off hope. I've still got a ways to go, and like I said, you never know what's going to come your way. But the fact is, it could happen, and that's fun to think about.
Again, though, as quickly as time passes these days, I still have several career-building years ahead of me, which is OK. We'll get there when we get there.
The closer it gets, the more real it will become, I'm sure.
Wednesday, September 1, 2021
The excitement of finding out who your teacher was going to be
When I attended Mapledale Elementary School back in the Bronze Age, we engaged in a particular early-September ritual that now brings back fond memories.
Mapledale was a K-6 school, and while in the later grades you started moving from room to room for different subjects, you still had one main teacher. Finding out who that teacher was going to be was exciting and even a little nerve-wracking.
The way this information was conveyed was that someone (I’m assuming the school secretary) would type up the class lists and literally tape them onto the windows at the front entrance. That would unleash a steady stream of kids on bikes who would pedal up to the school to find out to whom their education for the coming year had been entrusted.
I don’t remember doing this to learn that Mrs. Janes was my kindergarten teacher, but I vividly remember heading up to the school (it was just at the end of my street) to find out I had Mrs. Lucci for 1st grade, Mrs. Schwarzenberg for 2nd and 6th, Mr. Blauch for 3rd, and Mrs. Grabner for 4th and 5th.
Nowadays, at least here in Wickliffe, the process is a little different. You receive a packet of forms in the mail each August that includes a note from your teacher, and that's how you find out who she/he is.
Even though we don’t have kids in elementary (or even middle) school anymore, I always enjoy reading the posts on the “We Love Wickliffe” Facebook page from parents asking “Who else’s child has Mrs. X?” It brings back great memories.
I don’t know that either the old or the new method is better, but I do miss that moment of excitement when you scanned those paper class lists and found your name. It meant school was right around the corner, and at least you knew something of what was in store for you.
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According to a study that was (for reasons that elude me) conducted by the people at Visa, the Tooth Fairy is becoming increasingly generous...
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The handsome young gentleman pictured above is Calvin, my grandson. He is two days old and the first grandchild with which Terry and I hav...
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I'm gonna keep this short, because I'm exhausted and we need to get something to eat: * I got onto the show. * I was one of the firs...