It Really IS All about Calories

Stop with the fad diets already! The only ones that really work are the ones that reduce calorie intake.

As mentioned elsewhere on this blog, I’m dieting. I’m doing it for my physical and mental health. I think those are the two best reasons to get back in shape, no matter what that entails.

I started the diet on May 1 of this year and have lost, as of this morning, 19.6 pounds. I want to lose a lot more. I’ve done it before and I felt great. But then I just got back into my old overeating habits and, over the course of 10 years or so, gained it all back. So now I’m dieting again, taking my body back to 2012. I have about 40 pounds to go, so I’m nearly 1/3 there.

And yes, I did weigh “that much.” I’m 5’8″ tall and I can hide those pounds. But I still have to carry them.

Don’t Be Dumb about Dieting

When I mention to folks that I’m dieting, they immediately respond with recommendations for the various fad diets or techniques they use. It happened just this morning when I went to the clinic to have blood drawn for bloodwork on my annual physical. I had to fast so I was there when they opened at 7:00 AM. I was back home with my first cup of coffee 30 minutes later.

The phlebotomist — that’s the woman in her 30s who drew my blood — said that the only way she can lose weight is to cut out carbs. And because she’s allergic to dairy like milk and cheese, she has trouble getting enough protein.

“Are you a vegetarian?” I asked, not quite understanding.

“No,” she said, “but there are only so many kinds of meat out there.”

I was flabbergasted. This was coming from a medical professional who was certainly young enough to understand how to use Google — just in case the dozens of doctors and nurses around her all day long couldn’t provide advice. (The medical center she works for also has dietitians on staff and I suspect it would cost a lot less for her to talk to them than for me, provided I wanted to wait four months for an appointment.)

I was going to remind her it was all about calories, but then she was done taking blood and wrapping my arm with a gauze pad and what I’ll always think of as vet wrap. I was done and people were waiting. I left.

But it really and truly is all about calories. We eat food that provides energy, which is quantified as calories, to our bodies. Throughout the day, we move, sit, walk, nap, lift heavy things, climb stairs, and maybe even jog or bike or do something really active. All those activities — yes, even napping or vegging out in front of the TV — burn calories. If we eat more energy than we need, our bodies store it as fat. If we use more energy than we eat, our bodies should tap into those fat reserves and burn fat.

I will put myself out there and say this, which I am 100% convinced of: it is not possible to lose weight without reducing calorie intake or increasing activity levels to burn more calories or both. Ask your doctor. I cannot imagine her disagreeing.

Doing the Math

So every day your body is doing math for you. Well, it’s not actually doing the math. It’s just doing what it does. But you can do the math yourself if you keep track of the calories in what you eat and have some way of calculating the calories you burn — like maybe a smart watch or FitBit?


Here’s Sunday in a nutshell: calories consumed, calories burned, and basic nutritional information.

I use a calorie tracker app that’s really easy to use, mostly because it has just about all packaged and chain restaurant food programmed into it. I’m on a diet, so I’m not eating out much. I’m eating food that’s on my diet plan, mostly because its easy and its nutritionally balanced. But I’m also making my own meal once a day and I’m weighing everything that goes into it. I’d say that my daily calorie count is about 90% accurate; that means I’m only off by about 10% if at all. I’m comfortable with the margin of error.

My Apple Watch (series 3, folks; I don’t need more) keeps track of my activity levels — although I honestly think it doesn’t count flights of stairs right. (I definitely climb the stairs more in my home than my watch says I do.) It automatically imports my activity, included my estimated calorie burn, to my phone, which is where my calorie counter app lives. The app gets the data and displays it on my Food page for the day, as you can see in the screen grab here for Sunday, when I was pretty active. I’m not sure how accurate this count is, but I’d say it’s within 25% of what it reports. So if it says I burned 2000 calories, I feel pretty confident that the real number is between 1500 and 2500 calories. I know that’s a big spread, but it’s close enough for me. My goal is for my watch and health app to report a calorie burn of at least 1800 calories a day.

I’m restricting my calorie intake to about 1000 calories. I’m not kidding around here, folks. I want to lose all the weight this summer, before I go back to the boat. For those of you who think this isn’t healthy, understand that the diet plan food is nutritionally balanced — as I said above — and, just in case, I take a quality daily vitamin/mineral supplement for women aged 50+. During the first two weeks, I had occasional days where I felt a bit out-of-sorts, but I’ve been fine since then. Certainly enough energy to get my work done, including more than a few strenuous chores.

The math is pretty simple. According to many reputable sources, 1 pound of weight equals 3500 calories. (And yes, I’m aware that this “rule of thumb” isn’t a foolproof formula for losing weight. If you research this, be sure to focus on what’s said by reputable sources and not the top Google hits, which are sponsored and not reliable.) So using Sunday as an example, I took in 1014 calories and burned 2423 calories. That’s a net of 1409 — I burned 1409 more calories than I took in.

I need to add a few things about this diet that I think are important. The diet plan wants me to eat six times a day. Most meals — the packaged bars and microwavable “hearty” foods — are 90 to 110 calories each. So that’s 500 calories for 5 meals eaten 2 to 3 hours apart. The small portions are hard to keep you feeling satisfied when you first start, but within a week or two, they become enough to keep you from getting hungry until next mealtime. I really believe that spreading the calorie intake over the entire day — rather than “fasting” (which so many people are pushing these days) — prevents your body from going into a sort of “starvation mode” where it might start burning muscle instead of fat.

The final meal — which I usually have midday — is “lean and green”: real food that includes a lean protein like just about any meat in the right portion size and a salad or green vegetable. I do salad and I buy boxes of baby mixed greens and other salad veggies to make it interesting. Low calorie or “lite” dressing. The other day, I had a grilled 4-ounce ribeye steak and a bowl of salad with lettuces, cabbage, cucumber, tomato, raw mushrooms, and a nice balsamic vinaigrette dressing. So I’m not exactly suffering here.

The other ingredient to this diet is water. Drinking lots and lots of water. My “diet coach” claims that the water makes me burn fat, but I’m not 100% convinced it’s as easy as that. I do know that on days when I drink more water, my weigh-ins have bigger ticks down. I drink a lot of plain water and water flavored with Gatorade Zero, which adds electrolytes I might need from working in the heat of summer. No diet soda or juice.

This is basically the same diet I used in 2012 to lose 45 pounds in 4 months. Back then, I didn’t count calories or have a watch that monitored my activity, but I still lost weight. When I was off the diet, my stomach wasn’t expecting those big meals, so it took a few years for me to go back to my nasty, stupid overeating habits and start gaining it all back. I still can’t believe I let that happen; I won’t let it happen again.

And one more thing: could I do this without the diet plan food? Yes, but it would be a lot more difficult. I’d have to come up with five food portions a day that were right around 100 calories each. I’d have to make sure they were nutritious. I’d have to count every calorie for every ingredient in every meal to make sure I wasn’t going over the allowed amount. That would be a lot more difficult than just buying the damn food and eating that.

Weighing In


Yes, I cropped out the numbers. But you can see the trend and that’s all that really matters.

My daily weigh-in, which is also on that calorie counter app, tracks my progress and gives me a space to write notes every day. I report when I “cheat” — for example, having street tacos for lunch instead of my “lean and green” meal.

A lot of folks say you shouldn’t weigh in daily, but I don’t care. I do. It keeps me motivated. Watching the scale tick down daily — with the occasional tick back up a tad — helps me monitor my process and see that I’m moving forward.

Why Those Fad Diets “Work”

You might be wondering why the fad diets you’ve tried have worked for you. I can attest to the fact that the Atkins diet worked for me back in 2004; I lost 20 pounds back then and felt pretty darn good. Until I went off it, of course.

Did you ever think about how cutting carbs out of your diet, for example, actually affects calorie intake? Or how fasting twice a week affects the total number of calories you take in for the week? Or how the Atkins diet or Paleo diet or Whole 30 diet fill-in-the-blank diet really affect calorie intake?

And how many of those diets are actually healthy? I think the Mediterranean diet is, but it’s definitely not the kind of diet you’d use to lose a lot of weight quickly. It’s more like the kind of diet you’d switch to when you were at or near your ideal weight to stay healthy and eat right. It seems smart, to me, and, to be honest, it’s kind of how I eat anyway. (I just eat too much!)

And yes, I’ve gotten lots of recommendations about Weight Watchers. I cannot comment on it because I’ve never tried it. But I have to think that any diet that promotes healthy eating in moderation is a good diet. And if it helps you lose weight when you need to, even better.

Going Forward after Meeting My Goal

In my world, it’s all about portion control. I like to eat good food. I don’t eat junk food or fast food, but I’ll have huge portions of an excellent stew (with noodles!) or fresh baked bread or just about anything tasty. I need to eat less of what I do eat. That’s my go-forward once I’m down to my ideal weight.

I never want to do this diet again. I just want to eat smart in moderation. If I do that and stay active, I shouldn’t be in this mess again.

And don’t fool yourself — losing weight and staying fit isn’t about making yourself look good for other people. It isn’t about rail thin supermodels or societal norms. It’s about your health.

Sure, there are plenty of fat people who live long lives, but are they physically able to make the most of those lives? Do they have nagging health issues that hold them back? Bad knees, shortness of breath, stomach issues? Who wants to be like that?

I don’t.

Would YOU Sell a Joy Machine?

I get an offer on my 2003 Honda S2000 — and say nope.


My “fleet” of vehicles in the four-car garage on the north side of my home. My little 17′ Sea Ray jet boat is hiding behind the truck; it needs to be sold. If you look closely, you can see my 1999 Yamaha Grizzly ATV parked outside; I bought that new, too.

My Jeep is still packed with art show gear and, frankly, with another show later this month, I’m willing to let it stay packed so I don’t have repack it. My truck is a pain in the butt to park and I didn’t really need to haul anything. So when I went to a meeting with my tax accountant and down into Wenatchee to run some errands, I took my Honda.

It’s a 2003 Honda S2000 and I bought it new. It has about 69,000 miles on it and I drove it for most of those miles.

The Joy Machine

Honda and ToyotaThis might be the only photo I have of my Honda and Toyota parked side by side. For years, the Toyota lived at whatever airport I flew my helicopter to most often: Prescott, Scottsdale, and, in this photo, at Phoenix Deer Valley.

Now I know most folks say it’s dumb to buy new cars when used cars are so much cheaper. I think I’ve heard the “drops $5000 in value as you drive it away” claim about a million times. But when you keep your cars for 20+ years, depreciation is not something you really need to worry about. You really do get your money’s worth, even if the car is a total junker when you dispose of it — like my 1987 Toyota MR-2 was.

This car turned on to be a classic because Honda only made them for a few years. So after normal depreciation for the first 10+ years, the car has started to appreciate. It’s “desirable.” It certainly does turn a lot of heads and get a lot of complements.

I don’t drive it very often, but when I do, I remember why I call it my Joy Machine. I swear that if I had the worst day of my life and was totally miserable, I could get in this car, take it for a drive in the mountains, and be totally joyful within 30 minutes. It’s a blast to drive, with fast engine, six-speed transmission, nearly zero body roll, grippy tires, and good brakes. Top down is the way to go, of course. Replacing the stock stereo with a modern, more powerful one a few years ago — why did I wait so long? — makes it perfect for any road trip, provided you don’t need to take much luggage. In no reality could this be called a “practical” car, but hell, that’s what the Jeep and truck are for.

The Car Dealer

So I drive the Honda into Wenatchee the other day, all the way to the north end of town, and pull into the Home Depot parking lot. I need to return some irrigation stuff and get different irrigation stuff. (Don’t get me started on irrigation and careless landscapers with lawnmowers.) As I’m walking away from the car, a guy pulls up next to me in an SUV.

“I want to buy your car,” he says to me.

“It’s not for sale,” I say to him.

He then proceeds to tell me that he’s with a car dealer up the road and that the car is very desirable and worth a lot of money.

I tell him that I know exactly how much Kelly Blue Book says its worth because I looked it up the day before, out of curiosity, when also looking up the value of a truck camper I want to sell.

“You’re selling a truck camper?” he says. “I just bought one of those the other day. We’re looking for another one. But I really want to buy that car.”

“Well, everything has its price,” I admit. “Come up with a big enough number and I’d consider selling it.” I didn’t tell him how big that number had to be, but it was pretty big. A lot bigger than KBB said it was worth. After all, it wasn’t just a car. It was a Joy Machine.

We exchanged numbers and he said he wanted to come up and look at both vehicles. He’d bring someone from his office.

I really do want to sell that camper — it’s a 2007 Lance 950 sized for a long bed — and if I could lure him up to my place by letting him have a closer look at the car, I was willing to do it. I had the JD Powers numbers for the camper and had discovered that it was worth a lot more than I thought it was. I was pretty flexible on price, though; I’d paid less than the current value for it. If he came near what I wanted and handed over cash, it would be his.


I had a lot of fun times in this truck camper and I sure hope it goes to a good home.

The Visit

True to his word, he contacted me later in the day to set up a meeting at my house the next day, Friday. 3 PM was the time. That gave me all day to finish clearing out the camper, washing road dirt off it, and vacuuming it. I did all the cleanup with it still in the garage — my garage has a drain so I often wash vehicles in there, in the shade. (It clears the dust off the garage floor at the same time.) Then I got the truck in there and lowered the camper onto it. I pulled out of the garage and closed the door.

I also pulled the Honda out into the shade just outside its garage bay and gave it a good washing, top down. (Yes, it is possible to wash a convertible with the top down.) I dried it off and it sparkled. I put the vinyl top cover over the folded top. It looked amazing. Seriously: when you take care of your stuff, it shows. (My 1999 Jeep — also bought new — has never been so lucky; I beat the crap out of it on a regular basis and it shows.) I closed that garage, too.


My Joy Machine after a quick wash.

Now you might think I’m nuts inviting a stranger who approached me up to my house, supposedly to look at vehicles. But I’m not a complete idiot. The garage and house was closed up so there was no way he’d see anything else that I owned. And I texted my neighbor Teri and asked if I could borrow one of her men — either her husband or his cousin who was visiting — for the occasion. They both rolled up in his side-by-side at about 2:45. They had a gun with them.

(I’d considered bringing my gun down from the house, but there was no place I could hide it on my person when I was wearing shorts and a t-shirt. So I had no problem with them bringing one that they kept in the side-by-side.)

So yes, I understood right from the get-go that this could be some scam to get me to reveal more about my possessions than just these two vehicles or even an opportunity to rob me or worse. And I took precautions. ‘Nuff said.

He showed up late. Very late. Almost 4 PM. He was alone. He looked at the camper and was impressed. I’ve only owned it since 2017 — six years — but during that time, it was always garaged when not in use. Yes, I did live in it for months at a time when I went south for the winter, but I kept everything in good condition and fixed problems as they cropped up. Here’s another news flash: when you take care of your stuff, it doesn’t break very often. So although the camper itself was 15 years old, it looked great and worked pretty much perfectly. I also had all kinds of extra gear for it, including vinyl room panels for under the sleeping area when it was off the truck and the tie-down equipment the next owner would need to secure it to his truck. That stuff alone was probably worth at least $1500 if bought new.

Then he wanted to see the car. I walked him over to the other side of the house where it was still parked in front of its closed garage door. He might have been drooling. He told me he wanted it and he wanted to hand it down to his daughter, who is now six years old. He said his boss also wanted it because they could sell it. They’re opening a new location in Arizona and I suspect he was imagining driving it down there. Heck, I was imagining it, too — and I’d already driven it between Arizona and Washington state three times.

He wanted me to give him a price on the car but I wouldn’t. I told him he needs to give me a price. In the meantime, I’d already given him the JD Powers printout for the camper, along with my price, which was the “average retail” on that page. (Again, I’d take less, but he didn’t need to know that yet.)

The whole time we chatted, my neighbor and his cousin just hung around. My neighbor, who has some physical disabilities, stayed in his side-by-side. His cousin trimmed the sagebrush along my driveway, which I had on my list of things to do. My neighbor’s wife drove in with their dog and table scraps for my chickens and her husband left.

The car dealer and I finished out chat and he left. On the way out, he told me I had a great gardener. We all had a good laugh about that when he was gone.

The Offer

The offer came the next day, Saturday, via phone call.

It was disappointing. He told me that they wanted to buy both vehicles. They offered me slightly more than the JD Powers number for the camper but the exact Kelly Blue Book number for my Joy Machine. They said it was a package offer — both or neither.

I laughed at him. I told him that I didn’t care what KBB said it was worth. It was worth a lot more to me. I told him it was my Joy Machine and explained what I meant. He understood. But he said his boss wouldn’t buy one without the other.

So I told him that he was out of luck because I was definitely not selling the car at that price or even anything slightly above it. He tried to reason with me, but I was firm.

He said he’d talk to his boss. (Does that statement come pre-programmed into car dealers?) We hung up. That was yesterday and I haven’t heard another word from him.

Meanwhile, I listed the truck camper on Craig’s List. If the guy they supposedly had in the office looking for a truck camper really exists, I hope he sees it.

Facing Retirement

“Retirement,” which seemed so far off just last year, is now close at hand and remarkably easier than I thought it would be.


John’s Carver at its slip in Charleston, SC, on the night I boarded for our five week trip together.

Back in Spring 2022 — just 14 months ago? — I was on a cruise with Capt John on his 36′ Carver Aft Cabin cruiser on a trip up the Intracoastal Waterway (ICW). (You can read more about that in my Great Loop blog.) It was April and I was trying to enjoy the cruise while worrying about a bunch of work-related things back home:

  • Cherry season was coming up and I had all the usual concerns about the season. Would the cherry crop be viable? Would all my clients sign up? Would I get back clients who hadn’t signed up last year because of the frost? How much acreage would I have to cover? Would I need pilots in Wenatchee, Quincy, and Mattawa or just Wenatchee and Quincy? Would I be able to find enough pilots?
  • My helicopter N7534D, was aging and had just 20 hours left until a required overhaul that would cost $270K. I had already decided to sell it after cherry season, but was 20 hours enough for the season? What would I do if I flew that off?
  • Would I be able to sell my Part 135 charter business (which had become a pain in the ass because of the ineptitude and spite of inspectors at the Spokane FSDO) with a nearly timed-out helicopter? Would the guy who kept claiming he wanted to buy it all actually come up with the money?
  • Would I be able to find another helicopter to replace it without going back into deep debt? Or should I just retire from cherry drying? Would I be able to sell my cherry drying business to someone else who wanted to take my place?

All this was going through my mind as we cruised at 6 knots up the ICW, spending a few days at stops along the way. To be fair, my cherry season stress normally starts in March and April, but this year it seemed more stressful than usual, mostly because of the age of the helicopter and its upcoming need for an overhaul.

My idea of “retirement”

Wonder why I keep putting “retire” and “retirement” in quotes? It’s because my idea of retirement isn’t the same as most people’s.

I’ll never stop working. Whether I write or make jewelry or do odd jobs in the gig economy, I’ll always have something to keep me busy that brings in a few bucks. (Hell, this summer I’m even selling eggs from my chickens at $5 a dozen.) I’d already considered getting my boat captain’s license — yes, for a boat I didn’t even own yet — and doing charter cruises to earn cruising money.

I won’t stop working until either my mind or body makes it impossible. Working keeps us alive; you can ask my wasband about his dad’s short retirement to get an idea of what I mean by that. (I hope you’re resting in peace, Charlie.)

In general, although I had thoughts about retirement, it was still far off on the horizon. I couldn’t imagine being “retired.”

I did, however, have a rough plan for buying my own boat and cruising the Great Loop in it. I’d even looked at boats. But I couldn’t buy a boat unless I sold the helicopter and I still couldn’t buy a boat if I wanted to get another helicopter and stay in the business. So I figured the boat purchase would be sometime in 2024, after that cherry season. Maybe that’s when I’d “retire,” too.

Everything Changes

Everything changed with a phone call. A guy with a lot of money offered me a lot of money for the helicopter if I sold it then. He wasn’t interested in the charter business, but the amount he offered for a helicopter that I was hoping to unload in a few months anyway was too much to ignore. On May 6, I watched it fly away for the last time with the money secured in my bank account.


It was a lot easier to say goodbye to this helicopter when the money was in the bank and my thoughts were on the kind of boat I’d buy to replace it. Also, no more $20K per year insurance bills. Yippee!

I arranged to lease a helicopter for the season. (There were problems with that, but I won’t go into it here.) I got contracts, I got pilots. The season started off good and then fizzled out in mid June when it stopped raining. The season ended in August. I heaved a sigh of relief again.

I listed my charter business with a broker. I knew that I’d have to get a helicopter to keep my Part 135 certificate and I’d decided that I was done owning helicopters. The broker listed it for a lot more than I expected.

Meanwhile, with all that helicopter sales money sitting in the bank, I started shopping for a boat. By the end of August, I’d made a deal on one.

Around that time, the broker found a few buyers for my company. One backed out. The other was an idiot tire-kicker who called me directly with a crazy lowball offer. But the third was serious. As I was signing papers on DocuSign to buy the boat, I was signing other papers on DocuSign to sell my company.

And suddenly, I found myself with a nearly new Ranger Tug, a new company that offered just cherry drying and aerial photo services, and a bunch more money in the bank than I expected to have at the end of cherry season. I’d also shed a costly-to-keep helicopter, a charter business I no longer wanted, and the anxiety of dealing with unreasonable, demanding people at the FAA.

I celebrated by spending September learning to cruise in my new boat. Then I shipped it to Chicago and got it on the Great Loop.


While I’m home this summer, I can be reminded of my first day on the Loop with the new Home Screen on my phone.

I named my boat Do It Now. Frankly, I was done waiting. Hell, I’d been done way back in 2010 but had a husband to shed to move forward. It had taken me 12 years to get through the divorce debacle and become financially secure in my home — which I’d paid off in July 2022 — before I could get back on track for what I wanted out of life.

But I didn’t think that I was one big step closer to “retirement.”

Retirement Thoughts Kick In

It wasn’t until this past winter that I started thinking about the possibility of tapping into the retirement money I’d been saving in earnest since the late 1980s. I own some stock — including Apple stock I originally bought at $13/share in the mid to late 1990s that had grown substantially with numerous splits and stock price increases. And I had some savings. And my living expenses were pretty low since just about everything I owned was completely paid for.

I’d been under the impression that I had to wait until I was 65 to start tapping into my retirement funds. Or maybe it was 62? I asked a knowledgeable friend. No, he told me. 59 1/2 is the age you can start using that money.

Holy cow. I was there.

I had a great winter cruising on the Great Loop in Do It Now, covering 3000+ miles, mostly solo. I made friends, saw a lot of new places, and met challenges along the way. I took a seven-day captain’s license class and passed the test.

But as March and April came along, I had the same cherry season worries as usual, but with a twist: I didn’t have a helicopter to fly. How was I going to deal with that?

Various solutions came about and I explored them all. But it wasn’t until I started contracting with clients that I realized what a non-issue it would all be. One of my clients did not sign up again. Since he accounted for about 2/3 of the acreage I cover, my season would be a lot shorter with fewer pilots and less revenue to pay them. I’d be able to keep a lot less money.

At first, I was angry. But then I reasoned it out. I wanted to to retire at the end of the season anyway. I was hoping to be able to sell the business, but if I had a good enough season, I might talk myself into keeping it and doing it again. But this one client had helped me make two decisions that took a lot of stress out of my life:

  • Without the added acreage, the business wasn’t worth selling so I didn’t have to stress over finding a buyer (or dealing with the tire-kicker who claimed 3 years ago that he wanted to buy my whole business).
  • With less revenue coming in, it was less attractive to keep doing the work. I was no longer tempted to do it another year. Retirement at the end of the season was a definite.

And I’ll be honest here: the client who had backed out was a pain in the ass anyway. Now I wouldn’t have to deal with his antics.

No, I haven’t been drying cherries for 25 years. It was only 15 years. Before (and during) that time, my summers were ruined by book deadlines, mostly for Quicken Official Guide, which I wrote the first 11 editions of starting in 1998.)

I was looking at the reality of having a summer off in 2024 for the first time in 25 years. It took no time at all to imagine my trip up to New York that summer for the ultimate Champlain, Erie, and Severn Canal cruise in my boat.

And with that, I had scheduled my retirement: August 2023. I would be 62 years old.

The Money Stuff

The question was, could I afford retirement without changing my lifestyle? I have to admit that cruising in a boat thousands of miles over the course of months is not exactly cheap. If I wasn’t going to make enough cherry drying money this summer to cover the next year of cruising, where would the money come from?

The answer was easy: my retirement funds.

They’d been growing and shrinking and growing and shrinking but mostly growing over the past 30 years. If I continued to earn some income from other sources, I wouldn’t need much every year — probably not even enough to start getting social security anytime soon. After all, other than cruising my cost of living was modest. (It really pays, folks, to eliminate all your debt before you retire.)

I had a talk with my accountant yesterday and a “retirement specialist” at my investment firm today. I discovered that my lowered income would save a lot of money on taxes, get me a better ACA health care subsidy until Medicare kicked in in 2026, and enable me to make retirement plan withdrawals without huge tax hits. I also discovered that tapping into my IRA would be as easy as filling in a form on my investment website. The money would arrive within days as a direct deposit to my bank account.

Of course, the money I’ve invested in my retirement funds is not unlimited. I will eventually run out. How quickly that happens depends on the stock market and how much I take each year. But I still have Social Security waiting for me and can always sell my home on the next market upturn. I think I’ll have enough for the rest of my life.

That is the goal, isn’t it? To die with just enough money to dispose of your body and give your friends a big party to say goodbye?

Facing retirement? Yes, but also embracing retirement. I just didn’t expect it to be this soon.