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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!

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Member Comments About This Blog Post
    You've got a great plan for physical and financial fitness: and those four years will zip by faster than you realize!! You'll be able to plan all your travel adventures!!
    303 days ago
    Wow, sounds like you have some smart ways to reach your goals.
    303 days ago
    You have a good, solid plan!!!!Wishing you luck.
    303 days ago
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