KYLady was in the foulest of moods earlier this week. It’s a very long story, but rest assured, KYLady’s mood is way above the tippy-tops of the highest cirrus clouds today. In fact, she was so excited with the news she got last night that she could hardly sleep. And even today at work, with a staff meeting going on, KYLady is only pretending to listen while she writes a blog post because she has no interest in work AT ALL just now.
So, the backstory is that old KYLady has been itching to retire from her primary job for a very long time. Finally, she collected lists of her expenses and assets, and implored Someone to give her lists of his assets and expenses. Without getting too personal, perhaps it was because Someone and KYLady had prior spouses, both decided when they got married that managing finances separately made good sense. They’ve always had his and her bills to pay. KYLady makes the most money (not bragging, just stating fact), so KYLady pays the most bills.
So, everyone wants to be KYLady’s financial advisor because of her age and the company she works for. She settled on two advisors from two companies, which is a bit like having multiple clocks and not really knowing what time it is. Financial Advisor #2 wants more information, but told me earlier this week that unless I could get Someone to take on more of our expenses, I could definitely not afford to retire until the mortgage is paid off (in like 7 more years).
That was the start of the foul mood. Then Someone and I got into an argument about it. Someone flatly stated, “Hell no, I’m not going to start paying YOUR bills. That’s not fair to me. You’ll just have to keep on working. It’s not that bad, you just have a bad attitude.” Yeah, I’m the one with the bad attitude. Right…what would his attitude be in my job? He works 30 hours a week at most and gets 15 paid holidays. Me? It’s like 45-60 hours a week with 10 paid holidays. I’ve worked at least 8 years longer than him, even though I’m younger than him. Don’t talk to me about attitude, ASSHOLE.
With that, I began making mental plans. Such as, it’s time for “us” to downsize…I’m going to put “my” house up for sale. You never answer your cellphone any way; I’m going to cancel you. You know what, I can’t really afford the insurance on your new car anymore. I’m cancelling your policy so I think you’d better start looking for a buyer. You can have my old (2002) Camry and I’ll go back to driving the old (2004) minivan – we’ll be better off. I vented to a certain person who gave me the best advice I’ve had in a long time. She said, “You just tell him you’re the man and he’s the little bitch.” Yeah, he’s the little bitch alright.
So, then last night, we had a meeting with Financial Advisor #1. First thing when we sat down, he asked us if we were planning a divorce. It caught us both off guard. Someone and I agreed we were not planning or thinking of divorce. Advisor said, “Well good, because I combined your expenses and assets for this analysis. I hope that’s OK.” With our expenses and assets combined, we have plenty of resources for me to retire next January. Like PLENTY. Then, as if that were not good enough, he reminded me that the discount rate is expected to increase, so it might be advantageous for me to quit at the end of the year rather than working a month into 2016 as I was planning. On the drive home, Someone seemed to be a little more open to the idea of me quitting. Maybe he’s starting to see things my way.
Here’s the bottom line, I’m going to retire at the end of January, or I’m going to retire at the end of December. Of course, I will listen to what Advisor #2 has to say when he gets the numbers together, but my brain has already locked in R-E-T-I-R-E-M-E-N-T. It doesn’t seem real. It’s not real yet. The discount rate for 2016 will be announced on November 15. With much hope, I wait.