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Old Man

So retirement has been on my mind.

Not because I am close to it, but because it seems a solvable algebraic problem.

Acquire X money to live on for the remainder of your years which can be actuarily estimated for your currently age.

I don't use alegbra a lot. And it seems ill equipped to solve most other big questions in life.

The generations before us all got to have their "Free money as long as you draw breath", open ended pensions.

But not us, from my first week drawing a paycheck at my first job, my boss had a talk with me, insisting I set aside a certain % of salary into my 401k, and so I have.

A 401k, which I am still a quarter century away from being eligable to draw from by the way. So really, retirement should be the least of my worries.

However, money is math, and math is easy to think about. Highly quantifiable. You should see my spreadsheets.

But the thing is, money isn't all you need for a "happy" retirement.

Sidebar, I'm getting bored typing "retirment" over and over, henceforth it shall be referred to as "End Game".

To actually have a happy "End Game", takes more than financial planning.

Financially set, but estranged from one or more of my family members, and/or in poor health, is still a "losing" position.

It never really occured to me, that I should be worrying about, "investing" in things like my relationships and my health.

Again, the sexiness of compound interest makes is just too attractive for my min/maxing brain. It is the "tennis match playing on the restaraunt TV that I can't stop glancing at", level distracting.

But also "relationships" and "health" are not straight forward things to invest in. Exercise done poorly at my age, can easily blow out knees, shoulders, backs. It all seems like such inefficient faffing around to try to keep my heart in shape.

And relationships... Talk about unsolved domain space. I hope I don't screw things up and estrange my children and have a terrible relationship with them, but, what is the proactive thing I can do now to avoid that? Is there a stitch in time to save nine?

Parenting is hard because you just never see the new thing coming. You settle into a rhythm, and then they grow up more and change, and their behavior changes, and then your parenting changes, and then they change in response to that. It has all the makings of a three pendulum problem.

Although maybe health and relationships have stuff in common. Small issues crop up. You try to ignore them because you're too busy, and they turn into biggers issues, and by the time you try to address them it isn't a small issue anymore.

You remember to take care of yourself, and those you love. Keep them somehow in focus. Don't take them for granted.

That sounds hard... and worse, really hard to put into a spreadsheet.