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?Â A millionaire? SWEEEET!Â 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, IÂ 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).Â 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. Â 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…).Â 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.Â Why not?
Well, chances are I’ll still be a nurse somehow, evenÂ just part time, staying close to family and still being very content with life, but hey, a girl can dream, right?