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Just keep on keeping on

Just keep on keeping on

What I’m reading
Vanguard’s guide to retirement withdrawal strategies.

[E]very conversation takes place on two levels. The official conversation is represented by the words we are saying on whatever topic we are talking about. The actual conversations occur amid the ebb and flow of emotions that get transmitted as we talk. With every comment I am showing you respect or disrespect, making you feel a little safer or a little more threatened. The Essential Skills of Being Human.

Deep thoughts
When the kids came home last night the first thing they both said when they walked in the door (1/2 hour apart) is, “You’re dressed! What’s going on!?” UGH. I need to get out more. In my defense, it’s been a lot of bedrest for medical reasons and once that was done, Mr. Tucker had condo stuff to do in his spare time so all personal stuff was de-prioritized as we ended up in survival mode. But it’s time.

Still, I want my kids to remember having an active mother who go out as much as she could despite disability. In general, I feel like I am way more active than a lot of other disabled folks. Some it’s due to the severity of their disability and for some it’s just plain giving up. If I was a researcher I would study the health trajectories/outcomes of people who had a positive, life-affirming attitude and those who give up once they’re diagnosed. I am happy to offer support, kind words and resources to people going through a rough time – sometimes you just need to complain to other people who understand what you are going through. But I’ve had to block individuals in online PLS groups because they were posting constantly about how awful they felt and how they can’t do anything and how all of their friends don’t want to hang out with them. It was a constant barrage of pity-party posts and it just exhausted me and brought me down. I think perhaps these people should reflect on whether or not it was disability that turned people off or if it was the constant complaining?

But truth be told, while I have experienced some of that, most of my good friendships got stronger after I was diagnosed. Sure, some people will always fall by the wayside but it’s difficult to tease out how much of that is just a natural progression in friendship and what is an inability to manage someone’s diagnosis. I keep showing up for them and in turn they keep showing up for me.

But back to last night’s astute observation by my kids. If I’m honest, pre-pandemic I went to the gym 3-5 days a week, did dragon boat, walked or biked around the neighbourhood more and did physiotherapy twice a week. Since then, I haven’t been back to my usual activity levels and my return to dragon boat was thwarted by my broken foot followed by a huge pelvic surgery (that went a bit sideways). It feels like since we have been back post-pandemic with some regularity, it’s been one thing after another. Having said that, I am determined to change that even as we head into winter. I think I have been focusing too much on what I can’t do and not really focusing on what I can. In other words, while I am not whinging about it on facebook, I am falling into the same trap of the people who constantly complain. I need to show up for me.

Next weekend is pretty social with games night and heading out for dinner with friends on Friday night. The following weekend is book club. These things remind me that I am still doing things but I am just not back up to the level I once was. I plan to change that.

What I’m up to
Mr. Tucker is at the condo today as the appliances have been delivered. He sent me a picture and they look FANTASTIC! He also replaced the vent covers, replaced the shower curtainrod and now he’s putting the doors back on and measuring a few things. The last things we need to do are: fix the window, install the microwave, replace the bathroom fixture and replace a curtain on the closet.

It finally feels like we are in the home stretch and are almost ready to put it on the market!

Oh, and as for last night: we went out to buy paint for the room switch! The Eldest is moving into the office downstairs and Mr. Tucker is moving the office upstairs. He plans to do most of the painting next weekend as it is American Thanksgiving and it’s super slow at work. That will leave him energy to paint at night. Then on the weekend, we will move her stuff downstairs. Damn, it will be good to be able to have a shared office again. I have a desk tucked into a corner of the living room and quite frankly – it sucks.

Since we’ve also used almost none of our pocket money this month, afterwards we treated the kids to dinner. It was a pretty lovely evening and it felt good to be out.

Bon Vindredi à tous!

I don’t understand how a heart is a spade but somehow the vital connection is made* OR On Nostalgia (3 of 3)

I don’t understand how a heart is a spade but somehow the vital connection is made* OR On Nostalgia (3 of 3)

They say there’s a snake that can shed it’s skin
when the good old days are wearing thin, but
the good old days have all withered and died
some go on livin’ on the sentimental side
– Spirit of the West

In the 90s and 2000s I was way too poor to have cable tv so I missed out on the FRIENDS phenomena. What I did see I thought was funny, so during the pandemic the Youngest and I binged the series. We both very much enjoyed it but I had to explain that, yes, before smartphones and computers you basically just dropped by people’s houses or went to the café or bar where people hung out. You knew that someone you recognized would show up eventually. I really miss those years where my friends all lived close by and we just all knew to get up and get dressed because dollars to donuts someone would pop in almost every day. Those days of, “we were in the neighbourhood and thought we would pop in” are long, long gone. Now if people randomly show up at my door I am HORRIFIED. Why didn’t you text first?

So I simultaneously romanticize the past & have changed enough that I wouldn’t appreciate a lot of the same things now. I think the difference is that smartphones have enabled us to have our social lives in our back pockets so the excitement of someone popping in for coffee has been replaced by the excitement of a notification of a new message. I think in some ways the past is the past and we need to live in the here and now but also, I feel like we could steer the present in ways where we get the benefits of the past with the tools of the future. But as studies have shown, Facetime™ doesn’t really give us the benefits of face time. It feels like real social interaction but it doesn’t hold a candle to the benefits we get from IRL hangouts. That isn’t to say it has no benefit – like I have mentioned before, I spend most of my days chatting with my friends who are spread out across the continent but it doesn’t replace getting together in the real world. Contrary to the meme, human interaction is important to well being no matter how you define your particular personality quirks.

And now for another segue…

When I was 20, I went through a phase where I had one breakup which turned my life upside-down. I moved out of the downtown core and in with my dad, started dating someone new and was enrolled in university. By virtue of this life overhaul, I suddenly found myself without friends. I am not going to lie: that first year was rough. Sure, I had a few friends but with my schedule and by virtue of being far away from the downtown core, I didn’t get out enough to maintain strong connections. It was a pretty lonely first year of university where most of my interaction was virtual.

I also lost my grandmother that year. I was really close to her but the last years of her life were punctuated by extreme agoraphobia and she hadn’t had friends in 20+ years. She would sometimes walk to the end of the driveway but otherwise she stayed inside and relied on my mother to do all of the outside-world stuff such as groceries and going to the bank. My grandmother had been raised in Lowertown surrounded by friends and her large extended French-Canadian family who all lived either in the same apartment or nearby. When she married my Irish grandfather it was after the war and he was eager to finish university, start a career in finance and buy himself a house in the suburbs. On the day they moved, my great-grandmother apparently wept because in those days the new house seemed so far she thought she wouldn’t ever see her daughter (hilariously, it’s now considered part of the core part of the city).

So my grandmother stayed home raising her kids in this new, suburban island, far away from everything she knew, adrift from those tight social connections & the boisterous French-Canadian family she was used to. I don’t get the impression that she had a lot of friends in this new, anglo-based suburb. Then tragically in the early 70s, her mother passed away and within that same year, my grandfather also died (at 54!), leaving her a widow with a teenager, my uncle. She dutifully took care of my uncle until he was married in the 80s and also babysat my brother and I after school. But as we got older and didn’t need her, she didn’t have people to take care of, which is really all she had known. With nothing to do, she slowly slipped inside of herself, basically staying home and watching tv. We did end up moving in with her in the early 90s but at that point she had no friends and relied on us to be her contact with the outside world.

Having that as an example, I was terrified of not having friends. So when I decided to move back downtown during my second year of university, I also made the resolution that I would go out of my way to make friends. I did manage to do that and have maintained many of those friendships over the years. I have to say even for someone who is outgoing, it was harder to try and build new friendships in my 20s after it coming so easy in my teens. I hear from friends who have moved a lot in their 30s and 40s that making friends is even harder the older you get: most people have solidified their relationships at that point and it’s really difficult to break through into social groups.

But having witnessed what can happen when you don’t have a few solid social connections I have really forced myself to hold onto the ones I do have. When we had kids, no other people in our extended social groups had school aged or younger children. Most were childfree. So we tried to attend as many house parties as we could without kids, and forewent the more expensive hangouts. It also forced me into making new friends amongst people who did have children and now I have a pretty solid group of people in book club and in dragon boat that I am lucky to count on for amazing hangouts. I think Gen X women maybe saw their grandmothers and decided quite rightly that we should try and stave off the effects of loneliness.

/segue

Now, as a retired woman in her 40s I have enough money to live and not worry about whether the bills are paid but I also have TIME because I am not working (what I don’t have is energy or as much mobility). Sure, some things have changed: the days of lounging around at friend’s houses all day are over. Many of us have responsibilities now that we didn’t have when we were young and carefree. We aren’t called the squeeze generation for nothing: we typically work full time while simultaneously looking after our children AND our aging parents. I’ve witnessed a lot of stress, exhaustion, and loss in these past few years as many friends have juggled so many things – all high priorities. But the point is: social connections are paramount and in the middle of your life when chaos is reining, it is hard to maintain those connections.

What if not working could bring back some of that nostalgia and connection in a way that is in-step with the realities of modern life? How many times have you genuinely said, “Gosh, this has been so fun! We really must do it more often!” knowing full well that you won’t? It’s money, it’s time, it’s work, it’s responsibility.

I’ve been thinking what *IF* we do it more often? And by we, I mean Mr. Tucker and I since most of our friends are still working. As we head into the home stretch of what hopefully will be his permanent retirement I am thinking of the things we haven’t been able to prioritize due to raising kids, having two jobs, maintaining a house etc. and re-prioritizing them – and the first one on the list is seeing friends more often. While the days of late nights in bars and cafes are over, I am sure we could meet them where they are.

A not-so-complete list of things we could do (or things we or friends are already doing) that are free or cheap:

– Bring lunch to friends at work and enjoy a lunch hour with them. No time for lunch? (problematic, but ok) bring them a coffee and have a quick chat.
– Host a Sunday night dinner for friends where they only have to bring themselves and any beverages they may want.
– Afternoon pool parties and BBQs. My friends typically bring something to share with everyone and then something to grill for themselves.
– Bring dinner to friends who are under a lot of stress.
– Put together a picnic for some friends and go to them. I have friends who live on the other side of the city who don’t have cars so this would be us heading to the east end.
– A friend of mine hosts movie nights in their backyard with a projector, which is a lovely thing to do and low stakes for everyone.
– Bike rides where you meet in the middle at a beach or park.
– Because we are a Halloween-crazy household, last year I organized two group outings in the city: one was a Haunted Walk and one was going to a local orchard that had haunted houses and hayrides.
– Meet for movies at a locally-run theatre: I love that one local theatre does a fairly-priced Saturday Morning Cartoon Party where you watch retro cartoons and they have an AYCE cereal bar.
– A local bar has retro pinball machines and all-day Saturday and Sunday they have FREE PLAY from noon-8pm for $10. They also have amazing perogies.
– I usually do a Winter Solstice party as a continuation from my Pharm days. Snacks and mulled cider for everyone! Covid canceled almost all of my plans for the last 3 years but I hope this year will be the charm!
– Our book club usually does a weekend away in November. Pre-Covid it was a cottage one year within driving distance and then away another year. We went to New Orleans in 2019. They’re going to New York City this year but I won’t be joining them because we have tight financial goals.
– Go rollerskating! The local volunteer group does these fun, themed events and they usually have both family and adult-only sessions. While I have yet to go, 4-Wheelies looks fun.
– We do a games and/or craft night with friends once a month. This month Mr. Tucker and I are going to whip up burgers and they can bring a side.
– Our community has a wild amount of engagement by our neighbours. In particular, one fireman always does a HUGE fireworks display on Canada Day and they close the street off for it. Our neighbourhood has a roaming tiki bar that everyone stocks and shares as well. On Halloween the same fireman makes a HUGE Haunted House for the kids and it is really quite lovely. Every year they also do a street party that is planned and hosted by anyone turning 40 that year. It’s pretty fantastic. I have thought of getting more involved by maybe booking the community house in the park behind us and doing a winter themed party in December – if I can convince the eldest to learn some winter-themed harp songs. Hah.
– During Covid the kids and I baked cookies around Christmas and delivered them to friends around the city. We used to do a yearly cookie decorating party with other families in our neighbourhood but our children outgrew it.
– Also during Covid because the kids couldn’t Trick or Treat we started doing #13DaysOfHalloweenMovies and #12DaysOfChristmasMovies where we would watch a movie every night and then I would post their reviews to Instagram. Friends told me they loved following along and seeing the whackadoodle things the kids would notice about beloved classics.
– We really should volunteer more with the Community Association, even if it is minimal.
– There are a bunch of winter trails (run professionally and run by volunteers – there are more but these are examples) that you can snowshoe or ski on. Round it off with a hot chocolate at the Sailing Club if you do both.

To be honest, there is an absolute ton of things you can do to stay connected. Sometimes I will just text a friend out of the blue to tell them that I was thinking of them. I have been blessed with an amazing amount of great friends and I know life can get away from us but honestly, I want to head into my golden years with these folks so I want us to make sure we stay connected – off of social media.

So thus ends the rambling series of nostalgia posts. TL;DR: I want to reclaim my one wild life now that I don’t have to worry about money. I want to take up video games again, see friends and connect with them as much as possible even if I have to do more of the heavy lifting. I want to get back that feeling of freedom and that anything is possible in the future. The other day Mr. Tucker said to me, “I cannot wait for the second half of my life to begin!” I can’t either!

*Apologies to Elastica

“It was the 90’s!”* OR: On nostalgia (1 of 3)

“It was the 90’s!”* OR: On nostalgia (1 of 3)

Watch out, sweet thing, a change in the weather is all that you bring
Love Spit Love

Because I have a case of the olds now, I tend to have a LOT of past to look back on. Mr. Tucker and I often reminisce about how we were young and (very) poor but despite it all, we did manage to have a good time when we were younger. A lot of it centred around friends and hanging out because that’s all we could really afford.

There were a lot of late nights with friends, drinking coffee at people’s houses, staying up all night playing games, listening to music, making music or painting, watching movies and a lot of walking and biking (we couldn’t afford bus fare). We’d go to bars and coffeehouses with change in our pockets and buy the one drink we could afford, and nothing else.

The one thing that separated me from many other people though (including Mr. Tucker) was that I was an early adopter of technology. I didn’t come by it honestly, instead I just happened to know a LOT of geeks and by virtue of knowing them, I had my first Freenet account when they were still in the B’s. I still remember when there was a magazine called MONITOR that listed all of the BBS’s in the area (of which my friends ran quite a few) as well as tech news and computer ads. At the risk of sounding misty-eyed, we were all super hopeful about how technology had the opportunity to bring the world together and how it could level the playing field for everyone to communicate.

Online you could speak to people from all over the world via IRC and usenet. I loved every moment of it and delved deep into niche communities of varying interests. I did often just stay close to home though, making friends on the Freenet IRC and staying up all night to chat with them**. We often found ourselves deciding to hop in our cars at 2am and we’d hit the 24-hour Perkins in the east end where we would drink coffee and smoke cigarettes until dawn. Those were some of my favourite years and I am still close friends with some of those people to this day.

I feel like every generation has a time that they are nostalgic for. A time where things seemed simpler, where you felt more connected with friends, before the demands of life got in the way. But of course, if we are honest with ourselves, we are only really romanticizing the good parts. I remember poverty being an absolute shackle, keeping me stressed about a series of shitty minimum wage jobs and worrying constantly about paying rent and trying to stay fed. I remember the relentless calls of the bill collectors and the awful way they would make you feel so small. It was frustrating to be bone tired and still not have money to do things. There were some genuinely horrible moments where I felt so stuck that I could barely breathe.

Strangely, my salvation came from an unlikely place: a book of the month club. Like it’s more famous cousin, Columbia House (full disclosure, I also had CH!) was for music, BOTMC was for books (obvz). The premise of all these club was the same: get X amount of products for a Y amount of money and then promise to buy Z amount of products at the regular price. For those of you young enough not to know, these companies practiced what is known as negative option billing. That means if you didn’t send in a postcard saying you didn’t want that month’s selection, you got sent the selection and were billed for it (usually, at a higher price than retail). Being young and stupid, I regularly did not send in the cards and I ended up with a lot of books I wouldn’t have chosen otherwise. One of those books was The Tightwad Gazette II. It changed my life.

Arguably, the TWGII is the least interesting of the three TWGs but it opened my mind to this radical idea: you could reduce your expenses by making better choices and end up with the same lifestyle for less money. Cooking at home was cheaper than eating out. You could save on your energy bills. You could buy everything you needed on the secondhand market. I know this all sounds low stakes in 2023 where every second personal finance blog extols the virtues of frugality but to 18-year-old me in the early 90s, it was a revelation. When I finally got to TWG III I discovered Your Money or Your Life in an article and my life has not been the same since.

Clearly, we know how this story ends: I retired at 42 with a disability pension. We recently paid off our house, the kids are thriving, and shortly Mr. Tucker will hopefully be retired as well.

But this means that it is also the start of a new story, which we will start with a wee bit of a segue… in the next post, to be released on Wednesday, August 9th.


*with apologies to Kevin J Thornton
** Freenet had this thing where it eventually moved to only giving you 2 hours a day in 1 hour increments – and then it would kick you off and you would have to call back. It had become so popular that in order to balance the load, you could only have unlimited time between 11pm and 7am so we all hopped on during the unlimited time.