Thinking about retirement
I’m 24 and new on the job… so why am I getting lectures about my retirement funds NOW?!?
That’s what I was thinking all during orientation until they told us that by just putting in the minimum amount every month into your 401K, but 65 you can be a millionaire.
Wait, hold the phone, WHAT? A millionaire? SWEEEET! I can spare a few bucks a month, right? Now, I am really not good when it comes to math, so I really don’t know if this estimation is true, but it sounds really cool, right? I mean, who wouldn’t want to be rolling in the big bucks.
But now, is this a millionaire because you have millions? Or because you saved about a million dollars. Because, while that is still really neat and a TON of money, if you think about the cost of living nowadays, that’s not going to be all that much. Like maybe a new house and all its furnishings? That kind of puts a damper on the situation…so, for the sake of imagination and the thought that maybe in a few years I can afford to contribute more than the minimum amount per year – what would I do with that retirement?
After I frame my golden stethoscope given to me by my grateful employer to thank me for my years of service, I would go somewhere tropical and sit out on the beach (for the sake of imagination here, we’re going to pretend that I still look good in a bathing suit). A mai tai in one hand and a book in the other, I want to lounge out on those chairs that are part way in the water already, or out on a cabana. And that’s just during the summer time – a new place every year.
I want to see the colors change in the fall. I want to spend my autumns in a small colonial village in New England, and enjoy a REAL fall season. Crispy air and hot coco with leaves crunching under my feet.
I want to spend the winter in the SNOW! For at least the first winter I want to see snow, feel snow, freeze a little and then warm up by a fire place and snuggle up to hear the wood crackle.
And in the spring… somewhere – anywhere with LOTS of flowers. I’ll load up on Claritin and run through fields of flowers (because, duh, I’ll be a better runner at 65 than I am now…). I want to watch flowers bloom and listen to birds chirp, see the world through rose colored glasses… and find someplace that actually has a may-pole to dance around.
And then repeat. Different places every time, see the world, take my family along with me. Why not?
Well, chances are I’ll still be a nurse somehow, even just part time, staying close to family and still being very content with life, but hey, a girl can dream, right?
I'm a brand new, full-fledged, fresh-out-of-school RN! And better yet, I landed the job of my dreams working with children. I love what I do, and while everyday on the job is a new (and sometimes scary) experience, I'm taking it all in - absorbing everything I can about this amazing profession we all fell in love with.
By Ani Burr, RN