Hubby is planning for retirement. I’ve been planning, too, but in an unspecific, nebulous, not-thinking-about-it sort of way. My retirement accounts and investments are in order and have been growing since I was 23, the Roth-IRA was begun when I turned 21, the real estate is in place with good renters in it, and the 15-year mortgage on it will be paid off in less than 6 years. But in hubby’s planning, he knows stuff like where he wants to live when he retires (Ashland, Oregon or the Big Island, Hawaii), what he wants to do when he retires (travel whenever possible for weeks or months at a time, internationally, depending on Allie’s school year calendar), and most importantly, WHEN he retires (in 5 years). This is troubling for me because this means he also knows what I’D be doing when he retires — at least, what he wants me to do. As I would be too young to retire and would be ineligible to draw from my retirement benefits, he wants me to simply quit.

This is many women’s Cinderella dream: to meet a handsome man, fall in love, have a family, and have him say, “I will take care of you financially. Just quit and travel with me and our child.”

I’m petrified. I have been financially independent since college and part of my sense of self, freedom and security are based on having my own money. I like not having to answer to anyone else how I spend, save, or invest my money and generally, I haven’t had any problems. I’m not irresponsible with money, and I like that I reap my own rewards that way. I don’t have to be affected by how others, even my husband, spend their money, and that’s a huge stress-saver in a marriage. To lose my job means to become dependent on my husband’s retirement income. He keeps saying that it’s “our” money and not “his” money, but in my head, I see myself as a helpless burden with her hand out for an allowance, sheepishly taking money she didn’t earn and would be afraid to spend without express permission for each item to be purchased. I feel small and powerless. Unentitled to an opinion on purchases or to have preferences. I feel like I should be calling him “sir” and hoping to please him so he doesn’t fire me or find a younger hotter model of companion and put me out on the streets. *cry*

Mr. W: Where should we go on vacation this year?
Me: Well, maybe —
Mr. W: The airfare to Afghanistan is at a nice low rate right now. Let’s stay there for a month during Allie’s summer vacation.
Me: Yes, sir.
*cry*

I know, I know, it’s not that bad. We’ll get to take Allie on educational trips, she gets to experience different environments which will open her eyes and increase her tolerances to worldly cuisines, cultures, and people. We’ll make sure she’s fit and ready to do the nice physical excursions, too, like hiking to the nice vistas, rafting through the rivers, and, just for me, running with mom at Disney races and maybe even a Boot Camp Challenge or two. We’ll both get to be around for all of Allie’s school events and activities, or extracurricular stuff. We can move to places with excellent education systems and not be tied down by things like commutes to jobs. I’m trying to get my head wrapped around this to be okay with the major upheaval coming.

A lot can happen or change in 5 years, I know. But I know my parents aren’t going to be happy that their only child is moving their only grandchild out-of-state. They’re already unhappy that we live almost 40 miles away from them. Ugh.

Rebecca said something the other day about making and reaching for your dreams. “Think about what you would do if money were no object. Make a list. And then make those things your intention. The universe will pick up on it.” I guess my nebulous “retirement” will have to now take form.

P.S. Did I say that Mr. W can’t wait and talks about retirement daily, and contrasted with his retirement dreams, current daily life drives him crazy? He’s eager to not have to go to work anymore, whereas for me, I feel like I’d be abandoning my judge. =/ I’m also nervous that losing my salary would kill our safety net and if Mr. W has an unforeseen expense come up, I wouldn’t be able to spot him like I currently am able to during property tax or insurance due dates. I guess that’s why we’re consulting with a financial advisor right now. I need a realistic picture of when we can afford for me to quit. *biting fingernails*