Staying the course

During a spring visit to my Mom’s, I watched as she floated about the kitchen gleefully preparing lunch. Her topic of choice was retirement, which at the time was only 90 days away. Her excitement was contagious. “I’m going to wake up whenever I want,” she announces in a singsong voice as she whips out a collection of pots and pans. Her retired boyfriend responds with enthusiastic “Amens” like a church congregation on Sunday morning. The two of them giggle, laugh, and high-five as they tout all the wonderful things they have planned once they are both retired. It was so exciting that even I added lots of head nods and giggles to the exchange in spite of the fact that for me retirement is over 20 years away.

This photo of my Mom and I was taken at my Aunt Zora's retirement party held over the Labor Day weekend five days before my Mom's last day of working-ever.As I watched the two of them dance around the kitchen, my thoughts flashed back to the years where I watched my Mom race to work in the morning and then race into the house immediately after work to make a home cooked meal. In my teens I watched her work full-time during the day while earning her bachelor’s degree at night. But in 90 days, there’d be no more of this type of daily grind. I too got lost in my Mom’s well-earned euphoria.

However, as the two continued to share their travel plans reality hit me. “I don’t have a pension, I have a 401k,” I thought to myself. Therefore, my retirement dreams are contingent on how well I manage my 401k, my savings, and my earning potential. My thoughts started to race and I simply zoned out.

I thought about recent financial storms and the trail of unexpected bills that soon followed. In that moment retirement felt like a pipe dream. I’m pretty sure the look on my face (part panic and part confusion) combined with my extended silence is what stopped my mom and her boyfriend in their tracks.

The words “I’m never going to be able to retire,” slip through my lips along with a dramatic sigh. I hadn’t meant to say anything. I was supposed to nod and smile and cheer. However, my filter failed me.

It wasn’t the retiring part that troubled me. It was the living in retirement part that took me from cheerleader to deer in highlights. A year earlier, my Mom shared her retirement plan with me along with every high and low that helped to shape what was on that piece of paper. I was in one of those low periods and feeling overwhelmed.

However, that lunchtime conversation helped me to change my thinking. My mom’s retirement vision includes – traveling, home improvement, and dusting off a few creative ideas that she never had time to try. This has taught me that retirement is less about “not working” and more about creating a life that truly makes you happy. I stopped fretting over the many ups and downs affecting my finances 401(k) included. These days my focus is on two goals- create a life that I love and put myself in a position to maintain this life after retirement.

My mother called me a few weeks later and somewhere between talking paint colors and completing her retirement papers my mom says, “you know you are light years ahead of where I was when I was your age so don’t be so hard on yourself. Stay the course,” she calmly explains and quickly returns to paint chips.

May 31st was my Mother’s last day of work. And for me June 1st wasn’t just another workday. I no longer felt overwhelmed because my focus wasn’t on “a high” or “a low”. Instead, it was about the combination of choices and the changes I’m making every day that will make all the difference 20 years from now. I’m inspired by my Mom’s retirement because it’s proof that staying the course in spite of the ups and downs is so worth it.

This entry was posted in Budgeting & organization, Retirement planning and tagged , , , . Bookmark the permalink.

8 Responses to Staying the course

  1. Kita says:

    Beautifully written!

  2. Anonymous says:

    Burg’s philosophy personified – “It’s not the time you put in, but what you put in the time.” Thanks for the reminder, Nat!

  3. Shanita says:

    Retirement does seem so far away but it will be here before we know it. Your blog reminds me to navigate through the peaks and valleys and maintain my course. As long as I stay on my plan I will be okay. BTW…the BC (big chop) looks good on you!!

    *I am a WF employee.

  4. Melissa says:


  5. Mom says:

    I love retiremt! It takes planning. Spend and save wisely is the best advice I can offer. Focus on future and not the past.

  6. Tabatha Jackson says:

    Wow how do you put that into words! U truly have a hidden talent. Her happiness is contagious she makes me giddy! Lol!

  7. Tracey says:

    While not only well written, this blog is very timely and relevant for me as I attempt to try to get back on course and stay the course! Great story!

  8. Mary says:

    VERY well written, Natalie…. and very thought provoking. It confirms my belief system that the birds sing because they are doing what they were created to do! They sing in spite of their challenges, the weather, whether or not they have enough to eat or drink, or what people say or think! They live in their divine purpose every day and never try to be another color, breed or species. Creating a life that truly makes us happy involves tapping into one’s “Divine Assignment” ….one’s purpose…the thing that we were placed on this earth to do. For me, that began with writing down a list of all of the things I really, really REALLY TRULY enjoy! And out of that list, the one thing that I would do COMPLETELY FREE OF CHARGE (if I were already financially established and didn’t need the money)…is where I found my purpose! The thing that makes me sing! There is profound truth in the adage: “Do what you love and you will never work a day in your life!”

    More articles more often, Miss Natalie! And get that book started. People are waiting……

Beyond Today Blog

Leave a comment

Your email address will not be published.

Your questions and comments really matter to us! We're glad you want to join the conversation and connect with other readers. All we ask is that you keep some simple guidelines in mind:

  • Stay on-topic. Only comments that are related to the subject of the blog entry will be posted.
  • Be respectful. It's okay if you disagree with a post or comment, but please, no personal attacks or offensive language.
  • Maintain your privacy and confidentiality.Please do not provide any of your specific account details or other personal information! If you have immediate service needs, please contact your bank representative or Customer Service.
  • Wells Fargo team members: In the interest of full disclosure, if you are a current employee of or are associated with Wells Fargo, please make note of your affiliation.