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Dept. of Ups and Downs

Saturday Evening, and I Wish I Were Older

Well, we can scratch that plan of retiring when I'm 62 off the agenda. First, someone reminded me that although I can retire when I'm 62, I won't be eligible for Medicare until I'm 65.

And then I found out that I actually don't get 100% of my Social Security pension until I'm 66 years and two months old, not 65, as I'd assumed. That was an unpleasant surprise that came to me rather late, since the changes went into effect after a 1983 change in the law, and yes, I managed to miss it over the 32 intervening years, as I suspect a lot of people did (but seriously, kaffyr ... seriously? You, a reporter, managed to miss this rather huge change that was undoubtedly talked about at length publicly?) So if I actually quit when I was 62, I'd only get 74 percent or so of my pension. Augh. Not doable, not in the least.

This threatened to screw over my day - and, given that my shrink declined today to prescribe me the kind of anti-anxiety help that my two other doctors thought I should have on hand for emergencies, instead upping my regular dose of gabapentin instead - screwing over my day was not something I wanted to deal with. 

And then I decided not to let it get me down. If I can manage to last even four more years, I'll get over 90 percent of my pension, and it will give me four more years to put into my 401K as well. And that's all to the good. 

To be truthful, I think part of my desire to quit when I'm 62 is my belief that my current employer is going to try to break the union in 2017; I'm not sure it won't be successful, and the thought of working in a non-union environment, or losing any of the benefits that I worked very hard over the last few decades to gain, was filling me with a lot of not-so-nebulous dread. 

Still - four years and change? I can do it ... maybe not standing on my head, but I can do it. 



This entry was originally posted at http://kaffyr.dreamwidth.org/361008.html?mode=reply, where there are currently comment count unavailable comments. You can comment there or here; I watch both.

Comments

( 16 comments — Leave a comment )
carbonel
May. 17th, 2015 04:40 am (UTC)
It's 66 years and 4 months for me, which was a slightly nasty shock when I discovered it a year or so ago. I never really thought about retiring early, though I'd be happy to do so if I won the lottery or some such.
kaffyr
May. 17th, 2015 03:11 pm (UTC)
I'd never thought about retiring either. Then, about two years ago, I started to lose the joy I've always had in being a reporter. It mapped out roughly to the time I experienced three things: the horrendous negotiations between the Guild and the Sun-Times; the death of my friend Nick; and a noticeable slow-down in my ability to actually write stories.
carbonel
May. 18th, 2015 04:00 pm (UTC)
Oh, I thought about retiring (as a concept, I mean, not an imminent action) every so often, even though I like my job. But despite having been assiduous about saving, I was always pretty sure I would need the additional bump I would gain from staying employed for the full ride. I'll pass on staying on the job until 70, though.
lost_spook
May. 17th, 2015 07:15 am (UTC)
Aw, I'm sorry - it's definitely a shock when you were counting down to something only to find it's that much longer in fact! I'm sure you can do it, but it's still rotten. *sends hugs winging your way*
kaffyr
May. 17th, 2015 04:20 pm (UTC)
Thanks for the hugs - after a while, I made myself take a look at the situation in perspective, and I can handle, say, four years and four months, which will put me at roughly a 90 percent social security payment. That, I can live with.

As you say, it was the shock.
scripsi
May. 17th, 2015 01:19 pm (UTC)
Ugh, what a nasty surprise!
kaffyr
May. 17th, 2015 04:21 pm (UTC)
Oh, aye; very nasty, but ultimately not something I should make myself unhappy about. So I'm working very hard on being, as your icon says, a responsible adult about it. Heh.
a_phoenixdragon
May. 17th, 2015 11:14 pm (UTC)
Gods, honey...I'm so sorry...

*HUGS YOU HARD*
kaffyr
May. 17th, 2015 11:17 pm (UTC)
Thanks - I'm feeling better about it now, a good deal better. And I'm focusing on things like - hey, got a fic written, and fulfilled all my fandom stocking IOUs! Made cookies! Made chicken stew! Am sticking to my physical therapy exercises!

So, all in all - w00t!!1!

Heh.

*hugs to you, you busy lady, you*
eaweek
May. 19th, 2015 02:47 pm (UTC)
Oh, you poor thing. My poor mother limped through to 68-69 (she was able to work from home the last eight years or so), then worked one day per week for a couple of years, then finally retired for good last fall, a couple of months shy of 71. I'm so glad she did. May she have many healthy years ahead of her to enjoy being a lady of leisure. But she definitely benefited financially from being able to work until 70--she replaced her car, got some work done on the house, and this year we're taking an actual vacation!!!

I completely understand that feeling of having the rug pulled out from under you. For two straight years, I've anticipated my current boss taking a sabbatical. It was delayed by a year at this time last year, and now it's been delayed pretty much indefinitely; I fully anticipate working for her until I'm 50, unless she decides to retire or has to go out on a medical disability or something (or I find another job somewhere else). It's so horrible to feel like you can see the light at the end of the tunnel, and suddenly you realize the tunnel is 100 or 200 miles longer than you'd originally thought. : (

At least I still enjoy my actual *job*. I love the people I work with, the money is decent, the commute isn't bad (when the T is running, anyway, LOL), the benefits are excellent, and there's enough variety to keep my Gemini brain happy. I can only imagine what a slog it must be to have to keep working a job you don't even like that much any more (especially if you did once love it, which makes the situation all the more sad/ frustrating).

Big hugs to you. All your food sounds yummy, and yay for PT (and hot water!!). : )
kaffyr
May. 21st, 2015 03:45 pm (UTC)
Oh, I remember your horrified chagrin when you realized that Boss Lady wasn't going on sabbatical; I felt for you then, and still do now, because I've had horrendous bosses myself. Here's hoping she causes you fewer problems than you expect her to!

And there are times I still love my job; it's just that it has become so very different than it once was and, despite my insistence that I and other older reporters can be more flexible than people give us credit for, constant adjustment also means a certain amount of stress and weariness.

The PT seems to be a good thing, indeed. And the hot water? Paradise!
eaweek
May. 24th, 2015 11:01 pm (UTC)
See my most recent post if you want to read about the latest antics of Dean Lady. Very glad to have a three-day weekend!

I read your latest post, and I'm glad to hear your week off and a couple sessions of PT have worked their magic.

Trying to find ways to avoid stressing out is no easy feat. It wasn't until this weekend rolled around, and my body completely relaxed, that I realized just how tense I'd been. Ugh.

Hugs to you... hope you enjoyed the holiday!
kaffyr
May. 26th, 2015 06:17 pm (UTC)
*heads over to read*
flowsoffire
May. 20th, 2015 08:56 pm (UTC)
Ugh, no… I'm sorry about the bad surprise :( Good for you, trying not to let this drag you down, though. You can deal with this! You're a trooper ♥
kaffyr
May. 21st, 2015 03:46 pm (UTC)
Well, at least I'm trying to be a trooper. Heh.
flowsoffire
May. 24th, 2015 02:13 pm (UTC)
Best you can do, dear! ♥
( 16 comments — Leave a comment )

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