stepford
Thinks s/he gets paid by the post
Well, 2 years into my "OMY" sh*t has suddenly gotten real. I've negotiated a departure date later this year with my management, and the real countdown has begun. My management has been very accommodating in this process and gave me the choice of leaving before or after our paid company holiday shutdown. Where the complication comes in is that Megacorp is modifying/reducing retiree medical benefits for anyone who retires after 12/31/15.
So the choice is to be prudent, leave before the break and preserve my current (fairly generous) retiree medical benefit, or be greedy, collect the last 2-3 weeks of pay and risk the benefit reduction. I'm a pretty conservative guy financially (as evidenced by the last 2 years of OMY) and opted for the former. The only problem is psychological. I've become so obsessive about saving over the last 2-3 years that the thought of leaving that last 2-3 week paycheck "on the table" bugs me.
I know it shouldn't. It represents at most about 0.2% of my NW. Furthermore my company and my management in particular have been good to me and compensated me well these last few years. I shouldn't pay them back by being greedy. But the OMY compulsion to hoover up every last cent is strong nonetheless. What I'm realizing is that this is the first pangs of going from "savings mode" to "withdrawal mode" - something I know I'll need to adapt to soon, but still haven't come to grips with. Watching my NW steadily grow has been a source of comfort during the grind of the last few years. Now I have to learn to let that security blanket go.
So the choice is to be prudent, leave before the break and preserve my current (fairly generous) retiree medical benefit, or be greedy, collect the last 2-3 weeks of pay and risk the benefit reduction. I'm a pretty conservative guy financially (as evidenced by the last 2 years of OMY) and opted for the former. The only problem is psychological. I've become so obsessive about saving over the last 2-3 years that the thought of leaving that last 2-3 week paycheck "on the table" bugs me.
I know it shouldn't. It represents at most about 0.2% of my NW. Furthermore my company and my management in particular have been good to me and compensated me well these last few years. I shouldn't pay them back by being greedy. But the OMY compulsion to hoover up every last cent is strong nonetheless. What I'm realizing is that this is the first pangs of going from "savings mode" to "withdrawal mode" - something I know I'll need to adapt to soon, but still haven't come to grips with. Watching my NW steadily grow has been a source of comfort during the grind of the last few years. Now I have to learn to let that security blanket go.