Tuesday, February 8, 2011

i need a crystal ball

now most people, when they want to retire, go and see their financial adviser BEFORE they actually decide that they want to do this. i, on the other hand, went today. not the most fiscally responsible move, but i did have a fairly good idea where i stood.
i'm going to be okay. now i can't go on a wild spending spree, after all, this has to last me the rest of my life, or at some point, i will have to become a walmart greeter or bus tables at mcdonalds in my golden years.
this is where the crystal ball comes in. IF i knew i only had "x" number of years, then that would be my marker for how much i could spend. say for example, if i only had 5 years left, well then, it's party time baby! but if i knew i had 30 years left, then i would have to be a bit more circumspect, unless i want to work at one of the aforementioned jobs or eat cat food in some squalid 4th floor walk-up bed-sitting room.
since i don't know anyone in the crystal ball gazing business, i am going to have to practice moderation. uhhhgg that's an ugly word. i'm an all or nothing type of person. so moderation is my new mantra.
so no jetting off to paris just yet, but i do see cabo san lucas in my very near future!
i can live with that.

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