26 and Dreaming
I recently met with a young 26-year-old man who was interested in having me review his finances and give him a few pointers. Early in the conversation, I asked the same question I always ask: "How about your work? Tell me about your work."
He danced around the point for a few minutes, sharing little details about all the compensation and benefits he receives from his employer. He never really answered my question, so I asked again. "How do you really feel about your work?"
"Honestly, I dream about retirement every day." He continued to share about how he doesn't find any meaning in his job, but it pays well and feels secure, so if he just sticks with it, he'll probably be able to retire by 60 at the latest.
This young guy is just three years into his career, and he's already dreaming about quitting work 34 years from now?!?! As much as I'd like to say this guy is weird, his sentiment is shared by millions. He's already conceded that he's going to hate work for the next 3+ decades, but his longing for an eventual life of leisure will hopefully pull him through.
He asked me if his math about how he can retire by age 60 is wrong. It wasn't. The math is fine. Sure, he can absolutely follow this plan and "finally" quit working by age 60, but I had something else to add: "I think you deserve far better than this plan. I think you deserve to wake up every day for the next 34 years excited for what you're about to do."
He thought that was an absurd idea. He had never considered that to be a viable option. It's interesting what our culture tells us. What will he do? Only time will tell. He can absolutely retire by his mid-to-late 50s if he really wants, but I think burning the next 30 years of his life would be a shame.
I think he deserves better. I think you deserve better. I think I deserve better. The only question is whether each of us will pursue that better.
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