Three years ago, I had a life changing experience and it brought me to the city where I now live. It’s another story that will be told another time.
I secured a position as a manager of a department in a grocery store. I stayed there for 2 years and after much of what I call abuse, I had a “take this job and shove it” moment. I was 63 years old and did not have savings or a plan. That being said, I have no regrets. Another story to be told later.
Being without a job and 63, I thought it would be difficult to get a full-time job. Ageism is real! I made the decision to start collecting Social Security and work part-time. I have so many things I want to do and I wanted to make financial plans for my 70’s. I trusted in my ability to create some sort of self-employment income stream.
I got a part-time job in accounting. I signed up for MNCare for insurance. The problem was, I didn’t fully understand how Social Security payments worked in regards the earnings cap. I knew my payments would be reduced, but I thought what they took back would be spread out over 2018. Instead, it was taken off the top. In other words, I did not get a payment from January to April. I couldn’t survive on just my part-time income, so my employer offered full-time work and I took it.
Now, I’m a person that needs to be busy at work; I need to be pressured. I also had a bit if hubris going on and I needed to have more authority. I also needed to have a job that had meaning. I felt working 40 hours a week had my life revolving around a job that didn’t feed my soul.
I had a clear moment a few weeks ago, that the next 6 years of my life could be the best years of my life! I needed to make it so.
So, after a few months, I went back to part-time. My schedule is:
Mon – 1:00 to 4:30
Tues – 8:00 to 4:30
Wed – OFF
Thurs & Fri – 8:00 to 4:30
This is my first Wednesday off and my Social Security payment landed in my checking account this morning. Payday in Friday and my PTO will be paid out for an extra financial bump.
Yes, I am giving up some security. No more PTO. Medical Insurance will be an issue. The difference is disposable income will be minimal.
I feel more free and more like myself. How it all works out remains to be seen. But then again, my life has mostly been flying by the seat of my pants!