"Just one more year"...

I learned from my father. In the very late 1970's he was working in a high stress job that he no longer enjoyed. He returned to work after a nine month medical leave. One month later he decided to retire early-at 59. The numbers were not great but my parents decided to do it. One of the reasons was that he learned that the average lifespan of a person on pension in his company was 67-68. He also saw a few co-workers die prior to their retirement.

They moved to the west coast. Between golfing three days a week, a small part time job that he enjoyed, and no workplace stress his health improved dramatically. He passed away a few years ago after drawing his DB pension for just under 30 years. And my mother had that pension for another few years until her passing. No sickness until the final year or so and he lived in his own condo and drove his car until the time of his passing. I am convinced that his longevity and his enjoyment of his retirement was directly linked to his decision to take early retirement.

I was 'retired' at 59 but we were financially ready for it. No worries for us.
 
Nords - sorry to hear about your friend and neighbor - an aneurism is something that can happen suddenly - I had a co-worker in his 20's dies of an aneurism the day before he was to go into surgery to relieve it.

Some people feel a duty to work and serve...I had a supervisor who told me of his desire to serve - I tried to tell him he had served and could now retire....but to no avail. It sounds like he was that type of guy - if not at work, then volunteering. Your story reminds us life is short, but that also people are different and have different needs and goals.
 
I am planning to retire next yr at 62 yrs. This is after 30 yrs of medical practice. I had a friend who was a surgeon who kept on working till he was 71.
Everytime I asked him when he is going to retire, he responded annoyingly, that he will not know what to do and will keep on going. One day when I was making "rounds" I saw one of the doctor's wife in the elevator! I asked jokingly, what the heck are you doing here? She said: have you heard Ed is in the hospital and he is dying!! Come let's see him. When we walked into his room, I knew he was at the last stage of his life. He was unconscious, and gasping for air. His wife told us he has Stage IV stomach cancer. I heard his wife saying, he did not have enough time to enjoy his life. He died that very same day.

He did it his way. I'm sure I have other ideas. I love my work, but there is a time to quit. I guess to each his own.
 
I am so sorry to hear of your friend's death. It does sound like he enjoyed his work and wanted to make sure of his financial security. I wonder though, if he knew in advance that was the day he was going to die, would he have still been working?

I just had this conversation with a friend recently. I was saying that if a year from now either myself or my DH was terminally ill, I know that I would be upset with myself for working my part-time job. I still enjoy my job and the people that I work with, but it does have a schedule. I took my DH to the airport yesterday and he is enjoying the next few weeks with our DD, DS-in-law and our precious granddaughter in San Diego, while I worked today and our weather was dreary and rainy all day. I can't explain to people why I am working, when I don't really understand it totally myself. Maybe your friend was in a similar situation. As usual, you have really given me something to ponder. Take care, my friend.
 
Nords, I am sorry for your loss. It sounds like he was a terrific guy and you were fortunate enough to have been his friend. Cherish your memories.
 
Doug, my condolences as well.

Life is difficult to plan for in advance - there is so much wisdom in an oft repeated phrase in this thread:

Live every day as though it were your last.


I try to, but not sure that I'm doing it very well.

I have never regretted retiring in April from a very fast paced stressful job that involved frequent lengthy travel and constant interaction over 3 continents. Very glad that I did not have any kind of "one more year syndrome ".

Wishing all the members of this forum the very best of living in the fullest way possible.
 
Thank you for the well written and personal note. It's been said many times here but very sorry that you had to lose a friend. If the potluck is going to have 150 people, he must have been well liked and very active. On a personal note, I am aiming for next yr and now know what that 1 yr syndrome feels like. Just a little more...etc These types of reminders, although sad, are helpful.
 
I am so sorry to hear of your friend's death. It does sound like he enjoyed his work and wanted to make sure of his financial security. I wonder though, if he knew in advance that was the day he was going to die, would he have still been working?

I just had this conversation with a friend recently. I was saying that if a year from now either myself or my DH was terminally ill, I know that I would be upset with myself for working my part-time job. I still enjoy my job and the people that I work with, but it does have a schedule. I took my DH to the airport yesterday and he is enjoying the next few weeks with our DD, DS-in-law and our precious granddaughter in San Diego, while I worked today and our weather was dreary and rainy all day. I can't explain to people why I am working, when I don't really understand it totally myself. Maybe your friend was in a similar situation. As usual, you have really given me something to ponder. Take care, my friend.
Thanks to all who mentioned this. I didn't think about "doing what he wanted to do".

He loved the military, and he was good at it. But I think he was doing what he thought he "should" do, not so much what he "wanted" to do. He might have felt guilty if he was able to work but did not. If he still owed a mortgage then he would've felt bad if he retired to enjoy life, leaving all those easy paychecks on the table. I think paying off his mortgage was the goal that would "give him permission" to retire.

Another issue might be cultural-- he came from a background that places a very high value on hard work and providing for family. One of the reasons he emigrated was for economic opportunity, and I think that's a significant motivation to keep working.

So was he doing something he liked? Sure. Was he doing something that he really wanted to do? Not so much-- yet the pay made it tolerable while salving his conscience.

If he had quit his civil-service job any time during the last decade to spend more time with his family, would he have been able to adjust his work/mortgage attitude in order to be good company with them? I think so. He just needed to figure out his exit strategy... but the timeline exceeded his lifespan.

Did his family want to spend more time with him? Yep. Over 300 people paid their respects at the funeral. I watched that hard-as-nails lieutenant colonel cry some more while trying to lead his dad's service. I watched another Army veteran-- a nurse, no less-- break down a half-dozen times while trying to explain what his father meant to him. I watched an O-3 adjutant crying her own eyes out at losing her mentor. She even chanted a mele as she paid her respects at his coffin. I watched one of his golfing buddies, who's in his 80s and has been on blood-pressure medication for over half a century, try to understand why his "younger brother" died before he did. I'll bet he had a few private pithy words of advice about when to stop working. Spouse and I were in that church for over two hours. We were at his house afterward for nearly four hours.

We have to assure ourselves that we have enough money for the rest of our lives. Just one more year.

Let me add my condolences, and, if I may, let me [-]wane[/-] wax philosophical...

Guess we're all getting to that stage in life. As a younger man, of course there were deaths, usually two generations removed from me, with the occasional younger person dying in an auto accident, or rare medical condition. Of course, now many of the people of my parents' generation are gone; I think my dad is one of maybe two or three left from his high school class. Coming from a small town, I knew many of them, and some were parents of my friends.

It's now becoming "our" turn.

I've had a pretty good life, so can't complain too much. All we can hope for is to live it our way, as much as practical, knowing the grim reaper could be miles away, or right outside the door. Perhaps, if you could "talk" to your friend, he might not have many regrets. Let's hope so.
Yeah, I'm not used to this.
 
Nords, it is natural to ponder these things. While it is difficult to see past the sorrow, take heart in knowing that he touched the lives of hundreds. He had a deep and profound impact on many. The contribution that he made, in all aspects of his life, was quite remarkable. He will be dearly missed, but the influence he had, has and will continue to, color the lives of many.

T
 
Nords, I'm sorry for your loss.

It sounds like your friend had a wonderful family.
 
My sympathies on the loss of your friend. It's always hard to lose someone you love, but his memory will live on in the hundreds of people who very obviously loved and respected him.

Aloha menemene, Nords
 
Major sadness this week. I'm hoping to find a silver lining by writing about it, but I'm not sure there is one. It keeps sneaking up on me and smacking me in the head when I least expect to start thinking about it. I've been sitting on this post for a few days hoping that it'd cool off, but it hasn't. So here goes.


Last week a good friend & neighbor went to work as usual.

He retired from the Army in the late 1990s (after 30 years of service). Based on today's pay tables, his military pension is a tad over $60K/year (with an inflation COLA) minus $460/year for health insurance. However he wanted to pay down his mortgage so he went right into a federal civil-service job supervising a personnel department on an Army base. It's probably a GS-13 position, and in Hawaii you add a 25% cost of living supplement. Knowing his frugal habits, I suspect that he and his spouse were saving over $90K/year.

He and I have been good friends for the last decade, even if we didn't understand each other on the subject of paid employment. He could see that I was reasonably intelligent & fit so he couldn't understand why I had stopped working as soon as I hit 20 years (for a comparatively puny $40K pension). He felt that it was important to have work in his life and he was uncomfortable with retiring before he was completely debt free. He loved golf (several rounds a week) and was astounded that I'd given it up for surfing. At their last Thanksgiving dinner he noted that he'd turn 66 soon and would work for "just one more year" to finish paying off the mortgage. Then he and his spouse would work for "a few more months" to pump an extra $50K cushion into their retirement portfolio before calling it quits. I made the usual joke about "just one more year syndrome" and we moved on to other subjects.

Last week at work he started his usual morning walk-around chatting with his staff, but his sentences didn't make sense and they soon deteriorated into gibberish. He became increasingly incoherent so they called an ambulance and got him to Tripler. I'm not sure what the diagnosis was-- stroke or cerebral hemorrhage-- but the doctors carried out the emergency procedures and eventually began draining fluid from his skull to relieve the pressure on his brain. At some point in the ICU he lapsed into unconsciousness. His youngest son and the son's fiancée are Tripler nurses so I'm pretty confident that his dad had the best of attention & care.

His wife said the doctors had explained that it could happen to anyone. He had no visible health risks (and indeed may not have had any health issues). He'd felt fine that morning and neither of them had noticed any warning signs. His work was low-key routine administrivia with lots of autonomy. He was pretty much the civilian boss at his office, with such huge experience & credibility that his supervisors left him to get things done without their help. His biggest "stress" would have been figuring out whether the week's golf foursome should include the general or the colonel.

When I spoke with his wife two days ago, she said he'd regained consciousness that afternoon, made eye contact with her, and squeezed her hand. The doctors started talking rehab.

A few hours after she told me that story, he died. I don't know what happened, and maybe I never will. I was told that it happened very quickly and was unexpected.

He'd been around the Army for nearly five decades, so he had quite the contact network. The general appointed a temporary-duty casualty officer whose sole job is to assist the family for a few months in navigating the benefits bureaucracy. The officers are assigned from a rotating pool, so when one particular major came to work the next morning he was told to pick up his casualty officer orders and contact the family. That's how the major learned that one of his mentors, a man he'd served with nearly two decades ago, had died.

My friend's oldest son is an Army lieutenant colonel. When the major called my friend's home, the son answered the phone. The two of them realized that they'd had a tour together at a previous command. I guess the "good" news is that there will be no bureaucratic logjams.

These two combat officers are regrettably all too familiar with death. Yet as the lieutenant colonel and the major tersely worked through the casualty officer's checklist, using martial jargon like "the body", "the autopsy", "the family members", and "the funeral", tears were streaming down their cheeks.

My friend had his affairs in order. (Hey, he was a personnel specialist.) His widow has the military's survivor benefit plan, his Social Security survivor's benefits, and their savings. He might have been eligible for civil-service pension benefits, so she might get some compensation from that too. He also left her some life insurance. She has a long-term care insurance policy. She knows all their financial accounts and how to handle the bills. Several years ago, he even reserved a grave on a nearby military base so that his spouse wouldn't have to drive "all the way to Punchbowl" to tend it. Two of her sons (and their families) are on the island to help out. They know my spouse and I are just a few doors down for handyman services and rodent control. There won't be any problems.

When she told me her spouse had passed away, I asked what I could do for her. She asked me to walk up to their house and help her clean their lanai with her sons. As we men hauled off the trash and organized the furniture, she said that her spouse had been planning to do this cleanup but had put it off until next weekend. Next month their lanai is going to host their youngest son's wedding reception.

My friend never spoke about his military billets or his deployments-- only about the places they'd been and the people they'd befriended. I'm sure he was assigned to combat zones, but he never mentioned it. I'm sure he has the usual awards & certificates yet I've never seen anything on his walls but family photos. He loved them and they knew it, but he felt that the best way to show his love was to provide for them. He would have felt guilty leaving the workplace before he'd completed what he felt was his duty.

The funeral will be this coming week. I'm honestly hoping that the chapel is crammed too full for my spouse and I to be invited. It was hard enough breaking the news to my spouse over the phone while she was on travel, and we still haven't passed the word to our daughter. We'll get to that in a day or two.

I can't wrap this up with any eloquent lessons learned or other pithy conclusions. I don't have any. Maybe someday I'll blog about it or add it to the book, but I'd much rather be with my friend on his back lanai kidding him about working while I'm surfing.

I would suggest that if you or a loved one is afflicted with "just one more year" syndrome, then this is a fitting opportunity to reflect upon the risks of that approach.

I am sorry for your loss.
 
It always seems the good people leave too soon. However long or short that is.

I am sorry for the loss.
 
Nords,
Your pain is obvious. I'm sorry for your loss and your friend's family's loss. Your friend made choices based on his best judgement of his needs and responsibilities. It sounds like his family with be taken care of because of his actions. I'm betting that was his primary motivation. It has become a cliche to say it, but none of us come with a guarantee for tomorrow. I feel my family would be fine if tomorrow was my last. If I didn't feel this way, I would do something about it. Your friend did what he felt he needed to do. Each of us make that decision the way we see it. Again, I'm sorry Nords.
 
Nords, I too am sorry for your loss and pain. Thank you for sharing.
 
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Nords, I am really sorry for the loss of your friend. For the last year I have been going over the retirement thing time and time again. I turn 65 in August and was planning on that being my day. After reading this and some other things that has happened in the last few months I may go soon. Thanks for taking time to post this. Tom
 
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