Showing posts with label Full Benefit Age. Show all posts
Showing posts with label Full Benefit Age. Show all posts

Wednesday, October 13, 2021

Torn between two desires


There's a part of me that enjoys going to work and getting a paycheck.  And there's another part of me that rebels against getting up at 6 am.  I don't know which side of me will win out.  But I will be relieved when I don't have to wake up at 6 am, but will need to find a part time gig to give me a reason to get up in the morning.

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The other day, I went to the doctor.  Then, he made his usual speech about me becoming more active and losing weight.  I mentioned that it is easier said than done, when the job I have sucks out almost all the energy I have to be active and that it screws up my natural eating patterns in a way that I actually end up eating more than I would have otherwise.  Further along in the discussion, he discussed a potential prescription change with me - and we put it off until my next visit.

I'm pretty sure that I would be in better shape (in many ways) if I no longer had this job.  But it's nice to have enough money coming in that I don't have to raid my savings.  Given the choice of having more time in my life vs. having enough money to avoid draining savings, I am finding it hard to make a definite decision.  I can easily go in either direction.

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I turn 66 1/2 in a little over 2 years.  Do I want to start collecting Social Security earlier than planned, and get a reduced benefit?  If so, I will lose money if I live as long a life as my father did.  Could I start draining my 401k?  I could do that, but I still want my money to grow and outlast me.  I can't say that would happen if I start regular withdrawals now.  These are the questions that many people of my age have to ask.  And there are no right answers, as we do not know how long we will live.  Nor, do we know how healthy we will be when we get to a certain age.

You'll note that I haven't mentioned anything about being transgender.  Until I go on hormones, it is a non issue in the multi-variable equation.  So I'll base my decisions on how long my father lived, and hope that this gives me a good idea of what I need to plan for in the future.

 

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