Complete the sentence: If I were much younger, I would _______________.
If I were younger I would start saving more for retirement.
I never thought much about this when I was younger. I made choices that took me in the direction of where I am now. I started college but never finished. Instead I followed a dream and a whim and when back to New Zealand. At the time I thought I would get married and this whole gay thing would go away. I felt that I would feel settled and grounded with a wife and children. But, nope... I couldn't do that.
(This picture is me when I was 21 years old, this was my "girlfriend" at the time.)
I came back to the States without a scholarship to finish school and I had no money. I felt I had to get into the 'working world' so that I could get away from the constrains of my Mormon family and upbringing. I moved with my job and was finally making what I thought was good money. But I never really thought about savings and planning for retirement. I guess I was in Peter Pan mode; thinking I would never have to grow up and eventually retire! No way... I was young and having fun!
Again my life changed course and I knew I had to get out of retail. Was money really better than happiness? I decided that I wanted my own business. My partner and I owned a deli and bar in downtown Baltimore. If anyone who has owned a business before, you know; you sink a lot of money into getting the business going. Again, I was living in the moment, not thinking about retirement. But... isn't that a good thing; living in the moment?
A few years later I sold my business, eventually moved to Texas and changed careers again. In May of this year I will celebrate 15 years at [major bank]. Not bad I think, until I went to a 20 year anniversary celebration for a co-worker who is younger than me! He has his college degree and is making much more than me.
Well, no use worrying about all those "should haves" and "could haves", I made my life... I have to live with it. The other choice is to whine about it and wish things had happened differently. But it didn't. I have to be happy with where I am right now.
So reality is; I'm not younger. My life is what it is. I'll deal with it. So I can't tour the world when I retire.... I can't do that now anyway, so why worry and whine?
Have y'all thought about this? What would you do if you were much younger?