As of now I’m self-employed, and I plan to be for as far ahead as I care to plan. When you’re self-employed you pay twice as much in taxes, you don’t get a 401k, you don’t get cheap insurance, and you don’t get a pension. People don’t want you to be self-employed. They’ll remind you that you need those things to have a comfortable retirement.They get a little worried when you tell them you don’t give a shit about a comfortable retirement.
Most people work safe, incorporated jobs for 40-odd years, saving up their sick days to take a three-week vacation one year. Retirement’s the carrot on the stick, the milk and honey for a lifetime of work. And then they spend most of it sleeping and watching TV. Sure, I could do that. Or I could live like I do now.
I have an extremely low cost of living, mostly because I’m not in debt and I don’t feel the need to buy useless shit or throw money into funnels like smartphones and mixed drinks. I live in a gorgeous area where everything I need is within biking distance. I’ve mastered a skill that allows me to earn money without a college degree. If I want, I can pay the bills working 30 hours a month. If I feel like saving up for something worthwhile like a month-long road trip, I’ll work a little more. I love what I do, so I don’t mind if I have to work three hours a day.
Sure, I could work 40 hours a week, make twice as much. Math: that’s a 400% increase in labor for a 100% increase in earnings. Besides, I don’t need the money. Nothing I want costs $20,000. I’ve got no desire to buy a house. If I want, I could do this for the rest of my life. If I felt like it I could save for retirement. I could get a Roth IRA; $100 a month would make me a millionaire by seventy. The thought makes me laugh – I’d have even less use for a million dollars at that age than I would now. Nope, I’m not doing either of things, not now. I don’t give a shit about retirement.
What’s retirement, anyway? Twenty years of not working with a little travel thrown in? That sounds exactly like what I’m doing now, only I’m in the prime of my life when I can truly appreciate it. I don’t need anything a retirement has to offer; I have it already. Everything I want to be doing I’m doing. I’m pursuing my happiness in the present, not the future. I could die today with no regrets. I feel like I’ve lived. To have this for thirty, forty more years? So much life – the thought almost scares me.
I could go on living into old age, if I’m in good health and feel like sticking around for things. Still, those of us who make their mark on the world do it in youth and adulthood; rarely is something notable accomplished in senescence. Nor do I have any desire to linger on past my due; when my health, strength or mind reaches its limit, so do I. I look forward to dying as much as I look forward to living. After a life like this, I’ll be happy to retire permanently. That’s my retirement. Choose yours.
Brokenchord – A Girl of 13 Summers || 2011/A Girl of 13 Summers/Orion
