Late Starter to FI series #11 – Early Retirement Earl

Welcome to the Late Starter to FI series!

I am a Late Starter – I did not discover FIRE (Financial Independence Retire Early) concept until I was 47. This was way later, I thought than others who seem to have it all together in their 20s and 30s.

Since I started to write about my own journey, I have discovered there are many more Late Starters like me, yay! It is such a relief knowing I am not alone. 

I want to share our stories, our unique perspectives and show that it is absolutely not too late for us.

So in this series, I particularly highlight those of us who start our FI journeys in our 40s, 50s and 60s. And explore questions such as ‘where do we start’, ‘can we still retire early(ish)’, ‘what are the specific challenges for us late starters’. We look at our past, not to castigate ourselves but so that you can learn from us.

Please join in the conversation in the comments below. I encourage you to share your story if you fit the profile of a late starter. You absolutely don’t have to be a blogger or podcaster to share your story. Please email me at info@latestarterfire.com or connect with me on Twitter, Facebook or Instagram

 

Today, we meet Earl who writes at earlyretirementearl.com where he shares his journey to financial freedom and early retirement with the hope of quitting the rat race. His story is gritty and real. He shares very personal information here – thank you, Earl.  

Photo by Mohamed Ajufaan on Unsplash

A little about me

My name is Earl Owens. I live in Rockland County, New York and have three young children. I am 46 years old and I hope to reach FI within the next 3 years.

I have spent the last 25 years working for the same company and I work my ass off today so one day I won’t be obligated to work at all. My hobbies are my kids basically. Between the sacrifices I made at work over my career and having 3 children in my forties, I have time for very little else. I spend what little spare time I have writing about early retirement or catching up with old friends.

You can connect with me on Twitter @misterash13 and earlyretirementearl.com 

A brief look back

Looking back, I always needed to figure out how to stretch a dollar. I was raised with my brother and two sisters by a single mother. My mother passed away when I was 19 and I needed to figure out how to live on my own. As sad as this is, it taught me the value of money as well as how to stretch a dollar to its limit.

I also blame these circumstances for my recklessness in my late 20s and early 30s. As I started earning more money, it was time to party. After all, I had earned it after everything I went through. At least that is how I rationalised it in my mind. I wasted a good portion of my prime saving years engaging in wasteful spending. Although I do have to admit, I had a lot of fun.

As I grew out of that phase, I made what I thought at the time were sound financial decisions. I paid off my college loans early; I contributed to my 401k. And I stopped renting and bought a 2 bedroom condo. Even though I wasn’t very knowledgeable about personal finance, I got a bit lucky in that my employer took care of us with a great match and discretionary contribution each year. When the time came to sell my condo, I made a decent profit of about $35 000. I sold just before the crisis of 2008.

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My light bulb moment

I don’t think I can pinpoint a single moment that sent me on the path t FI. I never truly loved my career. It chose me more than I chose it. Once I got over my reckless phase and chose to fully commit to my job, I tried to take it all the way. Promotion after promotion and raise after raise, I slowly started to grow a very respectable 401k. The silver lining for me would be the final promotion where I would be making in excess of $250 000 per year.

The light went on more like a dimmer switch slowly fading to full illumination as with each passing day I realised slightly more that the promotion I had worked so hard for and sacrificed so much for, probably wasn’t going to happen.

My hopes for early retirement were tied to that promotion. What a wonderful nest egg I could build with an income exceeding a quarter of a million dollars per year. As the prospects of promotion faded so did my passion for my career. Aside from my 401k, I started saving for early retirement long before I ever discovered the FIRE movement and all the information available on early retirement. I was just fed up with work and was desperate to get enough money to have the power over my employer to tell them to scratch off.

Discovering FIRE

I can’t remember how I discovered FIRE. Like I said, it was a gradual awakening for me. I recall googling about early retirement, things like ‘how soon can I retire’ or ‘how much do I need to retire’. I think one of the first discoveries I made that really opened my eyes was the Bengan study of the 4% rule and safe withdrawal rates.

That was when the lightbulb in my mind truly went off. I couldn’t believe how little was actually required to retire or how long money could last if done right. I wrote about it here – How long will my saving last? The 4% rule simplified 

I read countless books and blog posts and listened to interviews and podcasts and just absorbed as much information about personal finance as I can. Somewhere along the way, I discovered Mr Money Mustache and ChooseFI, Campfire Finance and of course, Latestarterfire.

Discovering FIRE not only reinforced what I was already dedicated to achieving with my freedom fund, it lit a fire (pun fully intended) under my ass and I became obsessed with achieving FI and sharing as much information as I could via my own blog.

Taking steps on the path to FI

I was on the path to FI before I knew it. I was lucky enough to have a 401k in place, and once I ‘grew up’ I was smart enough not to allow myself to go back into debt. My next step was to fully commit to saving every penny possible and consistently re evaluating and looking for ways to get better and achieve FI earlier.

About 2 years ago, I did the math and realised that if I never contributed another penny to my 401k it would probably be enough for me to live on for the rest of my life. I decided to stop all contributions except for the minimum required to get the match. 

I currently put that money into my freedom fund instead. I drive a car with 165 000 miles on it and save the $500 a month that most people put towards a car payment. Anytime I receive a bonus from work, guess where it goes? You guessed it, the freedom fund. Quarterly dividends from my 401k stocks? The freedom fund. I got a $10 cheque from a City MD for over payment recently … straight to the freedom fund it went.

One way I deviate from a good majority of FI enthusiasts is that I do not intend to pay down the mortgage. I just don’t believe in including your home equity as part of your net worth. To me, if it ain’t liquid, it ain’t money. I can cash out my shares of IBM in an instant and write a check to buy goods. The equity on my house, not so much.

My current goal is to build a freedom fund large enough that I can quit working and use the freedom fund to pay my expenses from the time I stop working to 59 1/2 when I can begin taking 401k contributions. I expect that the path I am on now would lead me to my destination in about 3 years.

I don’t know if I WILL quit working in 3 years but I certainly hope I CAN if I want to. That type of leverage over your employer must be incredibly empowering. And from what Mr Money Mustaches tells me, work is more fun when you don’t have to do it.

My Freedom Fund

As I mentioned earlier, I was lucky enough that my employer not only offered a 401k but basically forced us to activate it and then dumped money into it for us. My employer has already contributed over double what I have into my 401k and the growth has been double both my and my employer’s contributions combined. So I have been fortunate.

Once I understood that early retirement was an actual possibility, I did the math and learned that my 401k was to the point where it was basically self sustaining. At this point in my career, I contribute $1000 to my 401k each year and my employer contributes $500 plus 9% of my salary. I have been with the same company for 25 years so my salary has grown to a nice size at this point. I am 46 now so by the time I turn 59 1/2 and can withdraw from my 401k penalty free, it will have grown to the point where I could withdraw 4% every year, never run out of money and still have a pretty little inheritance for my kids.

My freedom fund is a fund I started about 3 years ago. The freedom fund is what I will live off of until the day I can begin living off my 401k penalty free. I dump every spare dollar I get into the freedom fund these days. When I first started it, I opened up an ETrade account and I was just having some fun picking individual stocks. I did OK. I doubled up on OLLI; I got in and out of companies like Intel, Seagate, Disney and Facebook with nice little chunks of profit. I had a lot of fun. Then GE happened and I realised this isn’t as easy as I thought. L Brands also hit me with a nice loss as did Kraft Heinz.

As time went on and my freedom fund quickly grew to over 6 figures, I took a safer, lower maintenance approach and started putting the bulk of my contributions into index funds. I still do individual stocks but the bulk of my funds are in index funds now. I am also fascinated by the possibility of living off dividends so I have several dividend stocks as well.

Challenges and benefits of starting late to FI

The best benefit I can think of is that I got to live my life when I was younger. I did not sacrifice which means I enjoyed my 20s and early 30s to the fullest.

The biggest challenge is simply getting out of bed in the morning to go to a job that I am no longer passionate about. I try not to dwell on mistakes of the past but it is very difficult sometimes to not look back and think about what I would have done differently.

A little simple math reveals that if I had just sacrificed a few more drinks, or that vacation to Ireland etc I would be done working already. 

I try to stay motivated by looking to the future and knowing the good decisions I am making now and for the last several years will pay off. I am currently looking at retirement before the age of 50 despite a late start and making several mistakes along the way. To me, that is astounding. Coming from a single parent family, the youngest of 4 siblings, having been homeless twice in my life … I consider myself to be a great American success story.

From my past to my present

I am currently about 3 years away from FI. There are several factors that affect this and will affect my decision to retire or keep working. I am married and have kids. We spend probably more money than we should. For starters, we live in an area where property taxes alone are enough to break a frugal budget. We like to vacation. 

I love a good steak. One of my few indulgences is a Rib Eye cooked medium rare with a baked potato and some Bernaise sauce. Capital Grille makes one with porcini mushroom and balsamic rub that is quite possibly the top 2 or 3 on my list of all time steaks.

 

Photo by Alex Munsell on Unsplash

I got off track there, sorry, I am passionate about my steaks. The point is, I may opt to work longer to support a more indulgent lifestyle. I will decide when the time comes. That is the great thing about FI – the ability to choose!

OK, so before I get to what’s next for me, let’s address the elephant in the room that I glossed over earlier. Yes I was homeless. Twice. I don’t really like to advertise it but it is a big part of what made me who I am so let’s get to it.

My Dad left us when I was just a baby. My mother raised us alone with help from her mother. Dear ol’ dad contributed just about nothing. So I didn’t really have any excess growing up. We didn’t take vacations. If I wanted a new bike, I got a paper route and worked to save up for a new bike. I was delivering newspapers at 7 years old. Times were very different in the early 80s.

We didn’t have much but we lived in a decent size house with a huge backyard. Unfortunately for us when I was 10 years old, the man we rented from just sorta stopped paying his mortgage and out we went. I can’t even imagine how that must have been for my Mom. To make things worse, my grandmother, who went to live at a friend’s house had a heart attack and died a few weeks later. That was my first experience of having no home and also my first experience losing a loved one. All within the same month at 10 years old.

The second time I had nowhere to live was when my Mom died. I was 19 years old. Lucky for me, my older sister took me in so I wasn’t really homeless but still a pretty shitty situation to be in. It wouldn’t last long as I would take the little amount of money that was left to me by my Mom and use it to get an apartment on my own. A little one bedroom with hand me down furniture but it was mine.

I had spent my entire youth being responsible. Delivering newspapers to earn money. Taking care of my Mom when she became sick. And venturing out on my own after she died. Being forced to have so many responsibilities at such a young age and never really having any money to splurge led to me being reckless in my 20s and 30s. 

Some highlights:

I took out a personal loan for a motorcycle.

I would go out drinking after work every night. I mean every single night. $100 bar tabs nightly. What a waste.

I started smoking. I have since quit and what a money savings that was.

I once put a trip to Cancun on the credit card.

It got so bad that I wound up with no credit cards, living pay check to pay check and when my car broke down, I had to borrow money from a friend to rent a car just to get to work.

There were times when I would sell of part of my old baseball card collection just to have enough money to pay the rent.

It took me several years to get that out of my system. When I did, the bill came due and it wasn’t easy but luckily I knew how to be responsible. I hadn’t racked up much debt because I had no credit cards but I had a car that barely drove. I was living paycheck to paycheck, digging for spare change that last day or two before pay day, and now developed a dirty and expensive habit of smoking a pack of parliament a day. 

During these years I had purchased my first condo so I had made at least one good decision. Problem was, I was so busy spending money on leisure that I fell behind on the mortgage. My wake up call came when my cell phone rang one day while I was drinking alone at a strip club. On the line was my mortgage lender asking me why I was behind as I “make more than enough money”.

At that point, I knew I was being irresponsible and needed to make some changes. It didn’t happen all at once. I slowly began taking back control of my finances. I got caught up on all my bills, applied for a few credit cards, started a little savings fund. It would take years before I could finally kick the smoking habit but by the time I did, I knew exactly what to do with the newfound money I would have from not spending 10 bucks a day on a pack of smokes.

I think I am blessed for the experiences I had and I feel came out the other end a better man. I feel I am a more dedicated father because I chose not to have kids for so long until I was ready. That was a conscious decision made by a guy who understood the level of responsibility it takes to be a father as he had watched his own father fail at it. I also saw the financial burden that it had put on my mother.

I know what it is like to grow up without a dad and what it is like to grow up poor. I will not allow my children to go through that. I would shovel shit onto a plate and eat it if that is what it took to keep food on the table for my children and a roof over their heads.

I have been through a lot. I understand I am not alone in that and many people have it worse which is why I don’t choose to broadcast my past very often.

I am proud to call myself a success. I am a millionaire who was once homeless. If my story can inspire even one person who is like I once was, then I feel I have done my duty. 

As a society through schooling and parenting, I feel we fail miserably at teaching personal finance and financial responsibility. I feel those that make it owe it to the next generation to pass on what they have learned. Nobody taught me about compound interest or the 4% rule when I was younger and it pisses me off. So I will do what I can to pass this information along to others, especially my own kids.

What's next

What’s next for me is hopefully the option to stop working some time within the next 3 years. It will be nice to be there for my children during their formative years the way my father wasn’t. I look forward to a life without the stress of work life or the obligation of having to commute an hour plus each way every day to work 9 plus hours at a job that does little to excite me.

I hope to teach my children all the values of money that were taught to me; and the principles of FI that weren’t.

I hope they are able to learn from my mistakes and be more responsible than I was while not forgetting to enjoy life.

I hope to contribute to the FI community through regular blog posts and on Twitter.

COVID 19 update

Over the last few months, quite a lot has changed in the world, America, the stock market, my portfolio and my FIRE situation.

For starters, I am lucky. I lost over 30% of my life savings in March but I remain lucky. I am still working every day and receiving an income.

I am lucky that none of my family has fallen ill with corona virus.

I am lucky that I have a fully funded emergency fund and even more lucky that I have not yet needed to tap into it.

I am lucky that I have taken the necessary steps over the last 25 years to put me into a position that a 30% loss, while quite disheartening, did not completely derail me.

I am lucky that a good portion of that loss has already come back to me and I have quickly sold some of my more risky stock investments.

Overall, my financial outlook has not changed much since COVID 19 has invaded our world. I still commit over 30% of my total net income to savings and investments although I am keeping a larger portion in cash now.

I am at about 20% cash.

I fully intend to take advantage of the penalty free 401k withdrawal in accordance with the CARES Act. I know this flies in the face of conventional wisdom. However, I feel my 401k is at a point where $50k will not have any significant impact to my livelihood in my late 60s. But it can have a huge impact in helping me to cross the finish line into early retirement.

The main lesson I have learned from COVID 19 is that no matter how much you plan, things can change drastically on a dime. This has caused me to be even MORE driven to achieve FIRE as quickly as possible and may even lead to me exiting the full time work force earlier than I had originally intended.

COVID 19 has reinforced in me the reason I desired FIRE in the first place. And that is to spend more time enjoying life on MY terms. Continuing to spend many hours at a job that I am not passionate about dose not align with my goals.

In short, life is short, live it now because later there may not be time.

Back to Latestarterfire

Thank you for sharing your story, Earl. I can’t imagine all the hardship in you suffered in your early years. And yet, those experiences have informed your choices and decisions later in life. I admire your determination to provide a better life for your children. And your desire to retire early so as to spend more time with your family.

I am very happy that COVID 19 has not derailed your FIRE plans. Instead it has reinforced your desire for FIRE and you may quit the rat race earlier than you think! Amazing!

I look forward to following your onward journey to financial freedom and early retirement. 

How has your past shape your future?

Emerging from the storm of COVID 19

Are you ok?

As we emerge from the storm that is COVID 19, I wonder how many of us are really ok.

I have not written much here. Every time I try to write, the topics seem insignificant for the moment. And to be honest, what I need to write is this.

How I’m feeling as a health care worker who did not have the luxury of working from home during our shut down. Whom others now think of as a front line worker.

I never considered myself as a front line worker before.

A front line worker to me is someone who faces danger, who faces death and dying as part of their job. A fire fighter. Soldier. Paramedic. Police officer. Hospital emergency department staff.

My job has always been important – someone can die as a consequence if I make an error. That is drummed into us from day 1 of our university degree. But at no point in my career have I been in mortal danger. For crying out loud, I currently work in a retail environment.

Yes, I could be held up by an armed robber. There have been close calls but I was never held up personally. Oh, and I forget that I have been in several bomb scares where we had to evacuate (and sent back in to look for the bomb). We have procedures in place to deal with armed robbers, bomb threats and what to do afterwards.

We have no procedures to deal with an unknown enemy.

Crisis management

Over the years, I have become adept at managing crises at work.

Twenty years ago, my workplace burned down. Overnight.

I was a young manager.

My boss rang me at 1am with the news. By 1.30am I was standing in front of the store, watching it being engulfed in flames against the night sky. As fire fighters valiantly tried to put it out and evacuated flats above neighbouring shops. There were mini explosions as fragrance bottles exploded inside.

Literally, I learned to be a leader amidst the flames.

At 4am, we were at another boss’ home, looking up the White Pages (no Google then!) and ringing up aged care facility clients with a plan of what to do in the morning – where we would be operating and the number to ring.

At 7.30am, I was back at the burnt out site, ready to greet shocked staff as they arrived to work. Most had been informed but others saw it on the News that morning. To this day, I have not watched the TV news footage.

There was a lot to do, many decisions to make. Nothing could be salvaged. The bosses were busy dealing with insurance, fire department etc. My job was to make sure the daily operations continue in the various temporary sites, one of which was the garage at the back of another store.

None of us had been in this situation before. Those of us who had gone through this period and are still working for the same bosses remain close friends. Our experience has bonded us together in a way that those employed later will never understand. And for a long time afterwards, we thought of our work lives as before or after the fire.

And of course, since the fire, I’ve had to deal with many crises, none of which could compare to the fire experience.

Until now.

The crisis of COVID 19

This pandemic crisis is very different.

We have no rule book. The authorities are announcing policies daily. We play catch up. The whole time.

After the fire, I had a finite amount of staff and customers and suppliers to deal with. I was busy and stressed but I only had to deal with our small community. With our own uncertainty.

The pandemic is global by definition. I now have to cope with mass anxiety and fear.

Information overload

The sheer volume of information out there – from government authorities, WHO, professional bodies, news media, social media, well meaning family and friends … it is endless and relentless.

Even though we only followed official guidelines and policies in my workplace, I was constantly bombarded by anxious staff. What about this? Have you heard of this? Should we do this? Is it true that …? My cousin in Italy told me this … Other workplaces are doing this … Health workers are dying … and on and on it goes. It was never ending.

I had to be accessible to anxious staff, especially after work. We were too busy and stressed at work, in particular during the panic buying weeks to process all the information coming in at us. It was often after work, in the quiet of our own homes, sometimes fuelled by our family’s anxiety, that we could reflect on what was happening or the guidelines or policies announced.

It was overwhelming.

I could not switch off from work at home, worried that I had to respond quickly to developing situations. I wanted to support staff who were anxious and frightened. But in the end I lost it – putting my foot down on what could be posted on the work WhatsApp channel (which had only been work related but just got out of hand with all the coronavirus information).

It is much better now, after 8 weeks of shut down. Our daily ‘huddles’ focus on what we can do, the procedures in place rather than our concerns about the latest social media rumour. And as the weeks progressed, staff can see we do have everyone’s best interests at heart, that we have put in place procedures and physical barriers that keep us and our customers safe.

Panic buying

We watched with bemusement and disbelief as toilet paper, pasta and flour were subjected to panic buying.

Then it hit us. The panic buying of prescription and over the counter medications. We were on the back foot constantly. Customers came in asking to buy children’s paracetamol formulations, insulin because they heard on talk back radio that there would be a shortage. No one believed us when we said we had enough stock.

Just a few days later, suppliers could not keep up with the increase in orders. We had no idea if they had stock or not as they could not keep up with updating live counts on their website portals. We were ordering the same thing from multiple suppliers with the hope that we’ll get it eventually.

There was one weekend in March where there was not a single Salbutamol inhaler (for the relief of acute asthma) in the vicinity of three suburbs around us. People were upset with us for rationing supply.

I wrote about it in my last update.

No sooner did the Government intervene and impose much needed restrictions than another new crisis began.

Flu shots became the new toilet paper

We are entering into the flu season, coming into winter in Australia. Any other year, we would start immunising in mid April. This year, the word was out that we should all get a flu shot so that the health system did not have to cope with COVID 19 PLUS a bad flu season. Good advice.

But no one takes in the fact that flu vaccines are ordered the previous October with deliveries split into the following March, April and May. We were lucky that I had specified delivery for March and April. And able to secure more stock just when the crisis hit.

Our phones rang off the hook, with everyone trying to book an appointment for the flu shot. Our first lot of 300 vaccines were allocated in a day. For a bit of context, we dispensed 300 vaccines in all of 2019. So far in 2020, we have done 3x that, and it’s not over yet.

People were angry they had to be placed on a waiting list. Then they were angry that the next appointment was weeks away, even though it was well before winter. They were angry and anxious because they could not get a flu shot at any of the medical clinics or pharmacies nearby- all were waiting for more stock to be delivered before taking any more bookings. Deliveries were delayed as warehouse staff were reduced to comply with physical distancing rules.

To make matters worse, workplaces that usually organise annual flu clinics at work cancel this year’s clinic as workplaces are closed. Their employees are asked to get their flu shot in the community. So there was an extra cohort of people looking to be immunised in the community.

Once again, we bore the brunt of the public’s ire.

In my workplace, there are five of us trained as immunisers – able to give the flu shot. When the demand escalated, our professional body had yet to issue guidelines on any changes, if any, we had to make on how we delivered the service in view of the coronavirus.

We debated among ourselves on whether to wear PPE (Personal Protective Equipment) – we decided yes we should wear a N95 mask. But we didn’t have enough masks for 4 of us on a daily basis. So we decide that there should be one immuniser per day who would use one mask the whole day.

Then one of us fell sick with a very bad cold who then tested negative to COVID 19 but was off sick for a good two weeks. The others had family and elderly parents who depended on them and felt uncomfortable giving the flu shot at this time. So in the end, I am the main immuniser as I am single with no dependants.

The mental toll

All of this – the lurching from crisis to crisis, the ever readiness to respond to new policies, enacting of new procedures, dealing with the public’s angst, dealing with everyone’s fear and anxiety and now being the main immuniser ……. exerts a toll on me mentally.

Even though I don’t articulate it at work, there is the underlying anxiety buried just beneath the surface, that I may get COVID 19 from the close proximity when giving flu shots. Yes I wear a mask and use hand sanitiser. And yes, technically it is not considered close contact as I spend a maximum of 2 minutes with them in the room (close contact is defined as 15 minutes here) but … sometimes, the little voice says ‘what if?’

The anxiety isn’t just for me. I am so worried that I may pass it unwittingly to others, the hundreds that I have come into contact with, even though that contact is less than 2 minutes.

Before the shut down, I was worried about passing the virus to my elderly parents even though I may be asymptomatic. I had decided not to visit them on the weekends until the situation improved. Coincidentally , the Premier announced that very last weekend that the state was going into shut down. So my decision was not so unilateral after all.

I look at the epidemiological data from the Health Department every day with trepidation – to see if there are any new cases in our local council.

The fact is that I work in the local council with the second highest cluster of cases. And that a neighbouring workplace closed due to staff and owner contracting COVID 19 – we had to look after some of their customers. So it is real and happening in our local area.

I am not an anxious person usually.

But I have learned that no one is immune to anxiety in these uncertain times, including me.

And I learned that anxiety is contagious, to a certain extent. That when I am not anxious but see that others around me are, my anxiety levels rise. I question myself – am I missing something, why am I not anxious but others are? Am I too complacent? And on and on it goes. In an endless loop.

All this second guessing is not helpful.

When one anxiety is dealt with, another new one takes its place.

For example, as the weeks go by, I learn from our professional body that there have been cases even when people given the flu shot later test positive to COVID 19, the contact tracers were not concerned with the immuniser and the immuniser did not need to self isolate. My anxiety here is somewhat eased. And now, some of my colleagues are offering to help (perhaps seeing that I’m still alive!) so I don’t have to bear the burden on my own.

Some restrictions have been lifted as of yesterday. We can now visit family and friends, up to 5 additional persons per household. So our collective fear in the workplace now is the second wave of infections, the much feared second surge.

Australia has done really well but in Victoria where I live, active cases are still increasing daily. Though most of them more or less can be traced to a certain meat plant as the source.

The virus is still there. Anxieties around enforcing the 1.5m physical distancing rules rise again as there are more people out and about, as some are more noticeably relaxed. Staff are tense again and another team member is on leave, unable to cope at the moment.

So far, as the shut down began 8 weeks ago, several team members have taken time off to deal with their anxiety, with three taking time off indefinitely.

Our mental health is the first casualty.

How did I deal with it?

Not very well, to be honest.

I am so mentally exhausted at the end of the day, even though I have to leave work at 5pm strictly, now that our teams have been split into two, with no overlap between the two teams. And no physical contact between the two teams. The morning team exits at 5pm and the evening team starts at 5pm.

I do what I have to at work, to calm fears and anxieties of others.

But when I am home, I shut down.

There were weeks when I sat in my pyjamas after work, on my couch, eating potato chips and staring into space for a good hour.  Before I could turn on the evening news or heat up dinner or even play Candy Crush on my iPad.

For weeks, I could not read blogs or look atTwitter – I didn’t want to read anything to do with COVID 19. Articles about what to do with so much free time at home did not resonate with me at all.

As mentioned earlier, I don’t articulate my fears well at work besides exhorting everyone to follow procedures to keep us safe. I also can’t talk to my family as I don’t want them to be more concerned about my safety than they already are.

And so I shut down. I hibernated. I did not want to engage with anyone.

And I slept. And slept. 

I escaped. By reading (though to be honest, I would fall sleep often in between). Coincidentally, a lot of my books that I had placed a hold on in my library app became available at this time. So I had the means to escape into a fictional world.

I could not write. Not in my journal, not on this blog. I didn’t want to process my thoughts or feelings. Instead, I immersed myself in reading other’s stories.

I also do not have the energy to exercise. My personal training session went to Zoom. I am quite short sighted and so have great difficulty looking at my phone screen to figure out what my trainer wants me to do, then put the phone down and do whatever it is I need to do. It is too hard. I don’t have the mental energy to figure it out.

My main priority is surviving the day, to make it to the next day.

I never imagined that going to work would be an act of courage.

And that the survival of each week was an event we cheered and clapped with glee.

Saved by bread

Literally.

My friend gave me her sourdough starter in late March. She had wanted to give me her starter more than a year ago but we both decided that I should concentrate on keeping my worms alive before I had to look after another living thing.

I had no idea that baking sourdough was a thing in these times. That’s how out of it I was. My first thought was – now? now you decide to give me the starter? I am barely surviving. Now I have to look after a starter too?

But what a gift it was! I am so grateful that out of the blue, she gave me the starter. Because it forced me to focus on something else, to learn what to do to keep the starter alive – I had to feed it daily with flour and water. (And I had to look for flour!)

Then I learned to bake bread with it. It was like learning  a whole new language. With complicated steps. It was so hard at first, to read the directions and figure out what to do. I could neither concentrate nor focus. I had to read sentences over and over again to make any sense of it.

Soon, I baked my first loaf. I was forced to get off the couch – to set the timer every half hour to stretch and fold the dough. And lo and behold, it worked!

I was so proud of myself that since then, I have baked bread every weekend – and tried different variations – walnut, olive, fruit. And from the same starter, I’ve made hot cross buns for Easter, pizza and pancakes.

It showed me that there was still some life within me. That I am still capable of learning a new skill, a new process. It gave me hope. (and a thicker waistline – but hey, hope has a price?)

My walnut sourdough

I am grateful

As I slowly emerge from the storm of COVID 19, I am immensely grateful.

Grateful that my family, here and overseas are safe and healthy. That none of my team have tested positive to COVID 19 so far.

I am grateful for friends, in real life and the online personal finance community who have reached out to me, encouraged and supported me.

Grateful that I still have a job and therefore a dependable income. That of all the anxieties I have to deal with, finance is not one of them.

I am thankful that my emergency fund is fully funded; that I have paid off my mortgage. That my retirement may be delayed, but not derailed.

Grateful to live another day.

Final thoughts

I sincerely hope all of you are ok. If you are not, please seek help. And speak out.

As for me, I will be fine.

I remind myself to control what I can control, as I acknowledge my anxieties and let them go.

And bake another loaf of sourdough.

How are you coping with your anxieties around COVID 19?  Please share them here so that we may learn from each other

 

 

 

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