retirement Archives - Musings of a Real Life Woman

I have decided to try, in 2023, to stop trying to compete with everyone. When I open FB first thing in the morning, I am engulfed by a wave of resentment, jealousy, and self-loathing, which in turn leads to severe depression. This is not a good way to start the day. I have been trying to rid myself of negative thoughts, but they pop up everywhere. Since I am not living on as much money I was used to lately, I have found myself jealous of people who have a “perfect” retirement—those who were more responsible than I was. The thing is, I was super responsible when I was still employed by BCBS, but I stopped contributing to my 401K at 50, when I lost my job. So, instead of finding a job down here that would continue that, I decided to do my own thing. I can’t say I didn’t try—I was fired by two legitimate jobs that were similar to what I had in NY. I left another one, to take the one I was fired from. I worked at the Y, and then became a massage therapist, which was not a bad idea. But, after 5 years of putting up with assholes who just didn’t like me, or not really being able to get regular clients, I decided to “retire.” I was under the impression that my money from my IRA would last, especially when I began to collect Social Security at 62. But alas, I was told I had to be more careful and take less of a distribution, lest my money be gone by the time I was 82—yikes. I never even thought I’d live to be 70, much less 82. That has thrown me into a bad cycle of depression and self-recrimination, as well as jealousy of those more financially secure. But I have realized that I am not as bad off as I thought. I have been on all kinds of stupid job sites or “work at home” job sites to no avail. They are a joke, and it is super frustrating and depressing that I am in this position. But, alas, Social Security to the rescue—In 2023 they had an 8.7% raise in benefits, which translates to $150 extra a month. I also told Joseph I cannot give him the meager amount of $100 each month. Now I will at least have about $300 to at least add into my savings account. I was adding in at least $400 and sometimes $500 so that showed I was taking out too much of a distribution. But I actually think this may work. Yet, I am besieged by bouts of anxiety and depression almost daily, sometimes bad, and sometimes minimal. What has helped me is seeing that people have things way worse than I do. I was at a New Years’ Day evening celebration at Elle’s house, and an older lady named Itala, told me that she has a lot of physical issues and she is in pain all the time. In addition to that, she rents a room from a person whom she dislikes and that she has absolutely no retirement fund—she just lives on her social security. I realized at that point how lucky I was, and she would love to be in my position. Whenever you think you have it bad, someone else has a worse situation. I do realize I have a lot to be grateful for in my life. When I have gratitude, I feel much better, the “refrigerator stops running” and I have some peace. But this does not last too long because I am alone too much and too much in my own head (which is a dangerous neighborhood to be in too long).

But what has contributed to my low mood was that I somehow feel that I must compete with everyone. I had several pictures displayed at the Harlem Arts Council for a few months, with not one sale. So, when I went to pick them up Faye told me I should’ve priced them lower or negotiated. What the hell do I know about that—I wish I knew about that ahead of time. So, she said she will do a show of my work in a few months and gave me assignments. I also just read about how if you price too high, you will sell nothing at all. Now I know. I felt bolstered on that day, but my mood is still up and down like a rollercoaster, and I believe it is because I still feel like I am having to “build a business” and compete and I keep thinking that all I want is to sell some pics. I don’t need a new business and I just want to be peaceful. That will never happen if I keep pursuing goals that are unrealistic. I just want to be content to do my art and show it and not feel like a total failure in life when I can’t sell my art or myself. I have never been one to brag or sell myself—I need someone to do this for me and in that absence, I will never have an income stream from my art. I just want to be content, but the problem of comparison still plagues me. When I go to the Bible study, which is starting up this week, I can’t help but compare myself to these younger, affluent women with their huge homes that they are remodeling and their amazing kids, and vacations all the time. When we go around that room and say something about ourselves the first day, I want to say, “I pass.” I sound pathetic and lonely when I say I almost never see my family. I don’t know if people die of loneliness, but if they did, I’d definitely be dead and buried long ago. Each morning I must sit on the edge of the bed and find a reason to continue on in the world. I know I can’t leave my birds, which is one reason I get on with the day, but often with a black cloud hanging over my head all the time. I almost never feel just OK, but when I write and do creative things it helps center me. So, here I am on a Friday night just writing my heart out to feel at least acceptable tomorrow.

When I was a child I remember thinking that in the far-off futuristic year of 2000 I would be “old” at the age of 48. How funny it is that one’s idea of what is OLD changes so drastically as we rapidly (and it happens so damn fast) approach the age that we thought was OLD before; we keep on re-setting the bar. I was really depressed when I was about to turn 26 because in my mind, once you passed 25 you were close to 30–that dreaded age. In the movie Planet of the Apes (which came out when I was 14) one of the characters famously said, “Don’t trust anyone over 30”, which was the young people’s anthem during that time period. And how about that movie, “Logan’s Run” where nobody in that society was over 29 because you were “put out to pasture” at the ripe old age of 30. You know you’re getting older when you begin to think of 45 as “young” where you used to think of it as OLD. Each time I hit a milestone I want to believe that I am still young, and in my mind I am. In many cultures, an older person is respected, but not in the U.S. When was it decided that once you turn 50 or (God forbid) 60, you became less valuable than you were when you were younger? As I approached that dreaded age of 60, I felt less and less desirable, valuable, and worthwhile. I literally spent an entire year of my life dreading that number. I admit that part of that was my own prejudice derived from my impression of what an “older” woman was. But the media also perpetrates that age prejudice (except for celebrities—where age doesn’t seem to apply) where they lump everyone into the “senior” category once you turn 60. It’s strange that you could be 59 one day and then the next day when you turn 60, you are automatically deemed “elderly.” That word automatically conjures up people in rocking chairs, whiling away their “golden” years, waiting to die. Elderly implies that a person has no goals or dreams or aspirations. It implies that these people don’t know how to use a computer, or text, or use an iPad, or an IPhone, or other gadgets deemed too complex for their rapidly deteriorating brains. The image that one gets is of dumpy bodies, unable to run, spin, workout much (except the Silver Sneakers class). That whole picture could not be more wrong because just like anybody of any age, there are a great many variations of how each of us age. I for one was very debilitated before my spinal tumor was discovered, but before that I had been a vital and athletic woman of a certain age, and prided myself on it. When I was ambling along with my cane, I felt truly OLD, but anyone with a tumor compressing their spinal cord would have the same symptoms and probably felt the same way. Once the tumor was removed, my recovery was rapid and I returned to my workout regimen, gradually increasing it and one year later, I am almost back to pre-tumor form. But what I know for sure and I wish the younger set would understand, is that no matter what your age, you are an individual and if you were so inclined to be very goal oriented, and vital, you will not stop being so. I wish I could change society’s attitude about aging, but what is most important is changing my own attitude. Until I can look at myself (and the hell with other’s opinions) and feel beautiful (inside and out) nothing will change. I still have a long way to go, but the more I recognize my attributes and stop focusing on my physical flaws, the more I will learn to value and love myself. Like anything, that is a process and hopefully someday I will achieve this goal.

Tag: retirement

A Woman of a Certain Age