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  1. Great post Mr CBB. You are buying a lot of freedom and whether you want to retire or not is not so important compared to the fact that you can choose what you want to do in life. You can take a part time job or go back to school to further your education, without breaking the bank. It was really worth the hard work and sacrifice in my book. And of course, you can enjoy experiences now that you have taken the financial matters under control, because this is what life is all about, sharing, living and enjoying.

    1. Yes, the options will be there but I don’t know what I will do with them. It’s funny how we want to pay off the mortgage and become debt free and then what? Then what do I do… I guess time will tell.

  2. Great post and a good perspective. You’re right about the retirement goal as far as picking an age. I think I have modified my goal to “be financially independent so whatever job I am doing is something I want to do rather than something I have to do.”

  3. “Create wealth that matters as it’s only a tool for getting what we want” So true. Great article. We really do need to live in the now and plan for later. We never know how much time we have left, and you can’t take it with you.

  4. People are generally categorized as savers or spenders. We focus on either spending as much as we can (ie focusing heavily on the present) or saving everything (ie not focusing enough on the present). Your post is a valuable reminder to find balance. Such an important sentiment. “You can’t Skype from Heaven”. Thank you.

  5. Finally someone who shares my views. I want to retire, someday. However, I’m really not sure when. I know that I would like the money to be able to if and when the time comes. But actually retiring isn’t really my main goal. Financial independence is.

  6. Oh, my handwriting is shocking these days. Between computers and learning shorthand at journalism school…

    My philosophy is about living for today while saving for tomorrow, though it’s not always an easy balance to achieve.

  7. How true is this post? The past two years for me have been all about evaluating what is important and fixing my life to do more of those things. We all get into the habit of thinking we’ll do it later, but you certainly don’t know how much time you have.

    1. That’s just it, we don’t know how much time we have left. If you work 80 hours a week to build your kingdom for many years you may miss out on lots of special times in life with family, friends and loved ones. There has to be a balance. Cheers

  8. To me retirement is being able to do something for a living that I want to do, not having to something for a living because I have to do it. So working is definitely in the works for me when I retire. The key is being financially independent so that I CAN do something that I want to do for a living, even if it means earning a lot less money.

  9. An excellent article. We truly never know what tomorrow will bring. Live can change in a second as we have found out here the hard way. We’re struggling financially,and emotionally. But I have found that when things get difficult is when you find out just who your true friends are, they are the ones that are there for you, they are the ones that know the caretaker is a difficult role and not only ask how the patient is doing but ask how you are doing, looking you in the eye as they ask, they are the one that don’t ask what they can do to help….. they just do it. They offer hugs, prayers, and a shoulder as needed. When you are going through Hell, they are right there to help you get to the other side. Tomorrow has not been promised to any of us…….. I have been blessed with some of the most wonderful friends here online and here in town. I am thankful for every one of you, every day.
    Typing….. I hated my typing teacher.. I remember if you didn’t have your hands exactly right over the keyboard she would grab your hands and position them the way she wanted….. cold clammy hands…. I’m still not the greatest typist by I can get there.
    My Dad is still with us and has no use whatsoever for the computer, but he does have a cell phone. We got him one back when Mom was sick and he was driving out of town, so he has it for emergencies. I keep track of him and my Uncle to make sure they are OK. I bring them here for a meal as often as I can, which is once a year at Christmas. Those two don’t care to travel much…..
    Thank you for the thoughtful article Mr CBB……

    1. Thank-you for the inspiration for this post Christine because without those few words I likely wouldn’t have taken the break I needed to re-group. You are one heck of a woman and you are right, tomorrow is promised to no one. Mr.CBB

  10. A beautiful post, Mr. CBB. You can’t Skype in heaven, but I sure wish you could. My dad passed almost 9 years ago and he was in his early 60s. He had a lot of life in those years, but he (and I) wanted more time. He was who I thought of while reading your post. It’s so easy to get caught up in spending and saving when sometimes we need to stop and just live. Soak in the moment and enjoy where we are, no matter what. I was always taught it’s not the amount of money you have – it’s what you do with it that matters. I always try to keep that in mind.

    1. Well said, it’s what you do with it that matters. Sometimes we hear people complain about how old they are getting but forget that their parents are even older. We get so busy with our own lives that we forget about our loved ones.

  11. Great post Mr.CBB! I really feel that having a proper work life balance is the most important thing I can do as a husband and father. A few million in the bank by retirement age would be great but if it comes at the cost of missing out on watching my kids grow up or spending quality time with my wife then it just doesn’t seem worth it to me.

    1. That’s just it, there’s got to be a point where working hard and smart doesn’t take over our existence just to make more money every month. If the balance isn’t there, even if you have a mutual agreement that it’s ok, we’ll make the money now and do it later, do it now. There’s no turning back when we’re gone. Well said,mate.

  12. This is something I think about quite often. I try to maintain a close watch on my finances and be reasonable with my spending but there are some things that I do enjoy doing now that I may not be able to do in the future. There is always some kind of balance I try to keep, but it isn’t always easy. There was so good insight in this post, two thumbs up!

    I also totally agree about the typing class. Often, when I try to think of something I learned in high school that I use basically everyday, I think of that class.

    1. So did you actually like typing class haha. Thanks for your comment. I just wanted to share my thoughts on where things were headed in my life. I’ve learned so much about myself since I began blogging and I know that many people who do blog are so wrapped up in the money aspect of it all but forget about life… we can’t take our money with us… so take a step back, breathe and balance out what you have in front of you… especially if there are loved ones. Cheers

  13. Great post Mr CBB! I learned this lesson when my sister’s husband, with no forewarning, had a massive heart and died before he ever hit the floor & this was long before he even turned 40. I also never forgot my sister beating herself up for the trip to Egypt that her husband really wanted to take and the fact that she had said “later”. It was the one place in the world he really wanted to take his children and he never got to do it. He was a huge history buff and he thought the learning that could be imparted was immeasurable.

    That rang a huge bell with me because my mother never got he chance to go to Hawaii though she dreamed of it for 59 years! It made Larry’s and my wedding day bitter sweet for me. Sweet because obviously I was marrying the most wonderful guy in the world, but bitter because my mother was missing and I had a step mother there instead. Mom was certainly in my heart though as we recited our vows on the beach in Kauai that I had written in Hawaiian… so that only we and my Mom would know what they said. Mom didn’t speak the language, but I believe she understood nonetheless.

    I committed right there & then to making sure that nothing, and no one, would ever come before my husband & that every day I would make sure to show him how very much I appreciated him being in my life. I never want to regret something I didn’t do or I didn’t say.

    You’ve all heard my story about how much I hated the one and only cruise I ever went on. Well, I knew it wasn’t going to be my kettle of fish but I sucked it up and made the best of the situation as a Christmas gift to my husband. He had always wanted to take a cruise so we did… departing Miami on Dec 23rd with Christmas Eve celebrations onboard with a beautiful buffet supper, a fine private dining experience for our Christmas dinner and merrily cruising our way thru the Bahamas before we disembarked for my birthday celebration in the Florida Keys. Next we returned to a lovely Westin property right along the beach in Fort Lauderdale – and it was a lovely time for us both. He absolutely loved his cruise & I love him enough to really enjoy watching the thrill it brought him.

    I completely agree that we need to save for the future but we also need to live for today. I had a car accident that very nearly killed me in the spring of 1994 and by November my sweetie and I were man & wife. One of the first things I said when I saw him at the hospital, when asked if there was anything he could do for me was, “Buy me my birthstone as an engagement ring and do it now!” I knew the most important thing in the world was for me was to protect Larry and guarantee he would inherit and remain in our home without incident, were the worst to happen. Sad it took such a close call to wake me up!

    I work hard every day at making a special time out for us each and every week. Sometimes it’s a walk and a talk, other times it’s a coffee date at Tim Horton’s and then sometimes we just cook together & try some new dish we want to try. Once a month we do our grocery shopping in the US but we also have either a lunch or a dinner out while we spend the day sprinkling fun things in between hitting the stores. A walk along the ocean, a stroll in the park, a picnic at the lake all while holding hands…with our camera out taking pictures of all the memories we are creating.

    One day, only one of us will remain and whomever it is…I want them to have a lifetime of memories and special moments to treasure. Memories aren’t about money, they are about time and attention. Let’s not get so obsessed with the future that we forget to appreciate today. 🙂

    1. You know Mary I didn’t expect anything less from you after you read this post. I know just in the past year of getting to know you how passionate and dedicated you are to not only Larry and your loved ones but to causes that have a place in your heart. You are the type of person who wants to give all she can and I respect that, I envy that in you. Sometimes it takes a sad situation to wake us up or realize what we are missing but it doesn’t always have to be that way. You are blessed with a good husband and life Mary… enjoy the path. Mr.CBB

  14. Just read this and its so true. I still use my pens and love to write. Usually when posting letters I use my calligraphy pens or writing special thank you’s. I do remember the big heavy typing machines but benefited later in life when everything went computerized. You do have to take life at whatever it chucks at you, no matter what age you are but can implement steps as you said to make them a little easier:). I too miss all my family but you learn that everybody around you is your family there to help, hug or dig you out (literally) I just think that you live your life to its fullest enjoying what you got for me its my family, friends and everybody is healthy. We are still working at getting our finances sorted and it will take a while but we know we will get there a little at a time:)

    1. It took me a while to write this as I really hoped that my message would be heard or come across as intended. Sometimes we become so obsessed with work or money that we forget about those that are holding out their hands wanting a hug, a smile or a simple phone call. Well said… take whatever life chucks at you!

  15. You’re so right, Mr CBB. You can plan, plan and re-plan and still have no idea what your future is really going to be like. You may drop dead tomorrow, so you need to live every day like you have nothing to lose (I mean that in a good way of course). I plan on retiring at 35, and I don’t think that early retirement is a concept people can grasp until they really immerse themselves in the idea of it. It isn’t; about not working. It’s about not having to work. It’s about being financially prepared for your entire life, so you have the opportunity to do whatever you want. I’m not planning on partying from age 35-death, I plan on working on myself, my relationships with people, my hobbies, maybe I’ll even work on becoming more entrepreneurial. Most people choose the “live in the now” mindset and buy fancy cars and big houses when they really only JUST afford it. Savings rates are minimal for most families, and more times than not families are over-extended and they don’t even realize it.

  16. Good post Mr. CBB! It definitely is a balance to have and one that we struggle at times to find. We definitely want to be wise with our finances so we can enjoy later years, but you still need to enjoy life today. I am not an early retirement person as I do not think that is likely for us. We just want to get to a point where we don’t HAVE to work, but do so because we WANT to while at the same time not be tied down because of our budgetary situation.

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