White Lace and Promises

White lace and promises … a kiss for luck and I was on my way.

That was February 24, 1978. Ahhh, the seventies. It was a simpler time. A time when marriage meant forever and destiny was summarized up in the phrase “happily-ever-after”.

Back in the 70’s, getting married was the answer to most everything. I didn’t worry about my financial future. The closest thing to retirement planning was dreaming that my husband and I would stay in love forever and we would figure out the rest along the way.

Life has a way of teaching you what you need to know.

Little over a year later, I was signing up for a benefit package with my new employer. I was a single mom and my boss glossed over the option to sign up for a pension. “You are young … you will probably get married and not have to worry about that.” I didn’t sign up for the pension.

The years slipped by and I continued to find myself in a perpetual state of singlehood (I would like to talk to my first boss about that pension now …). But I took hold of the reins and I had a plan. A financial plan.

I was consumed with paying off the mortgage, retirement savings and life insurance. I often joked that I could afford to retire and I could afford to die … I simply couldn’t afford to live.

Over the span of those 20 years I had gone from a young, naïve girl without a plan to a compulsive saver who felt financial security was the end all answer. I had forgotten how to live.

Life has a way of teaching you what is truly important.

My financial plan went out the window when about a year later (still single), I found myself sitting in the middle of the living room floor with my brand new baby. A ray of light shone on my present and showed me my future. All that I wanted in the world was right in front of me. I simply wanted to stay at home and raise my young family.

I found a way to support myself by working at home. My retirement savings subsidized my present instead of my future. That moment in the sun changed my life.

I never did replenish those retirement savings but what I have replaced those funds with, are years well spent. I invested in my family and in our life. I will never regret that decision.

We never know what is around that next corner. It could be bad. It could be good. To live happily-ever-after, every day of your life is a good place to start.

The land of “White Lace and Promises” remains elusive, but I will never lose the hope that I had on that day 34 years ago.

There is so much of life ahead. I have found a place where there is room to grow. I may be 51 years old, but I feel as though I have only just begun.

Life has taught me that health and happiness cannot be bought. My retirement plan has evolved from saving a specified dollar amount to an unlimited amount of hope and dreams for what lies ahead.

I want more than a pension when I retire. I want a life. Retirement planning isn’t just about the money. It is about living a full life now so that you can bring that along with you into your future. Whatever or wherever it may be.