The Four Year Retirement Plan - Three General Goals
Monday, June 15, 2020
I retire in four years! That is only the time it takes to get through high school.
I read an article on Sparkpeople today about setting long term goals. Life is good when you are taking it one day at a time but rather directionless. I thought about what a four year plan would look like and here is my initial take on think on such a scale.
I have four years to get fit enough for a stunningly wonderful retirement.
I want to walk the cliffs of northern Cornwall. I want to paddle camp down the Wisconsin River. I want to swim in every Great Lake in one 2 week road trip. I want to run in ALL the 5Ks and charity triathlons. I want to be strong enough to lift my 22 pound carry-on to the overhead over and over again. I want to travel wide and far and I want my body to be able to keep up with my curiosity.
The plan - run a c25k every other day until I can run 5k then do that every other day. Strength training on the days between. Bike ride for all errands within 2 miles. And my favorite exercise - practice traveling by lifting a 22 lb suitcase onto the refrigerator, squat, take the case down, squat... repeat!
I have four years to get to a healthy weight in a slow and healthy rate.
I really don't care how much I weigh but I do worry about my health and ability to get around. I know eating clean and moving intentionally will do a lot more for me than just weight loss. Swimming, biking and running is all much easier without 40 pounds of luggage attached to my belling and thighs. And honestly, I have four years to form new forever-habits. I don't want to waste my retirement adventures being a slave to food. Sure I want to taste all the pleasures but I don't want for food to become the center of my travels.
The plan - Right now, and for the foreseeable future I am going to measure and log all of my food. I want to retrain my food instincts as to how much I "need" to feed my body and soul. At the moment I am at about 1500 calories a day which for me is much more doable than 1200.
I want to be as financially fit as possible.
I have been saving up for retirement since I was in my 30s. I was doing quite well, but then due to gender and orientation issues, my wasband and I got a divorce. We are still very good friends but splitting the assets and me buying my beloved tiny cottage for one set me back quite a bit a couple years ago. Ouch, but whatcha going to do? After much scrimping and saving I finally built up a "rainy day" fund of $1,000 and then paid off my credit card. This took a couple years but so worth it. Now my only debt is my mortgage but it is only $400 a month including taxes and insurance, much cheaper than rent.
The plan - Pay double principle payments on my mortgage, keep contributing to my retirement fund, keep my credit card balance at 0 at the end of each month, and keep putting money in my travel fund for adventures both before and after retirement!