Retirement has been a recurring theme here on my blog as well as in some of my Facebook posts and conversations with friends, family and co-workers. Most of the time my husband Bill and I are just living our lives, going about our business and only occasionally do we think about retiring like when I’m updating the Excel spreadsheet I created a couple of years ago to track our progress. Now and then an article will catch my eye and I’ll get to thinking, all dreamy-eyed and such, about what it will be like to quit working and begin retirement in earnest. And now twice today I’ve been reminded yet again why this is such an interesting and important topic of conversation for us.

My husband and I are both at that age where if you aren’t thinking about retirement you seriously should be. It’s important to plan for this next phase of life both financially and emotionally.

Financially – unless the bottom drops out of the stock market – I believe we’re on solid ground. After many years of debt and no savings whatsoever I began saving earnestly and ferociously once I began my career after graduating in 1995 with my MIS degree from Iowa State University in an attempt to make up for lost time and lost opportunities.

Bill and I have no debt other than our mortgage and we are prodigious savers. We’ve been fortunate but we have also worked very hard and we have (hopefully!) made good choices about our finances to get us to where we are today. No one can predict the future but making the right decisions about how to get from Point A to Point B are imperative if one hopes to live well and comfortably in their golden years.

With all that due diligence out of the way let’s commence to the fun stuff!

Reminder #1: My sister called today to tell me about a visit she made to the health club yesterday where she and I are both members. It was an early morning swim on her day off and she saw a large group of what she assumed were retirees getting into the pool for a fun aqua workout class. She said it made her think of me and she now understood for the first time why it might just be nice to retire. I completely agree. To have the freedom to do the things you want to do without the nuisance and inconvenience of having to show up for work each and every day sounds heavenly to me. Don’t get me wrong. I like my job, I have a fantastic boss and I enjoy learning new skills and becoming more well-informed about the business as I take on new projects and work initiatives. And making money? Well, that’s pretty darn nice too of course.

It’s just that the alternative is SO much more appealing. It would be even more so if I could retire AND continue to pull in the money every two weeks. Not likely to happen so I’ll content myself with the wonderful prospect of all that free time when I retire to claim as my very own!

This might be a good time to point out that my husband is five and half years younger than me. I plan to retire early (I ain’t getting any younger and I want to relish and enjoy a life of leisure while I’m still relatively healthy). I can fall under my husband’s health insurance until Medicare kicks in and by then (again – hoping the Dow continues her upward trend!) Bill can retire as well.

Reminder #2: A friend posted a wonderful blurb on Facebook this afternoon stating one of the things she loved about getting older was the fearlessness that (my input here) most but not all people are able to harness from somewhere deep inside themselves. She’d talked to a woman in her early 60’s who had been planning a train trip to Canada. Unfortunately each of the friends who had planned to accompany her dropped out and decided not to go. Instead of cancelling the trip the friend decided to go anyway. She toured Canada by way of Amtrak, all by her lonesome, and despite the initial awkwardness said it was the best trip she’d ever taken.

This, my friends, is exactly the approach I hope to exhibit when I retire. Indeed, it’s how I want to live my life RIGHT NOW. Stepping outside our comfort zone can be a scary thing and while the outcome may not live up to our expectations the flip side is that it may just wildly exceed them! We never know until we try.

And now I’m pumped up again and more committed than ever to building up our retirement reserves and emotionally (and yes, realistically as well) planning for this next stage of my life. Life is good now, yes, it is. I am in no hurry to grow older – no one is – but I’m one of those people who enjoys planning adventures and who loves, even more, having them! I want our retirement to be lovely, comforting, nurturing and exhilarating as hell. With continued planning and foresight, a smidgeon of good luck and a kick-ass attitude I’m cautiously optimistic it will be all of those things – and maybe more!