Tag: retirement-planning

  • In Conversation with Dr. Margaret Anne Smith

    I sat down with Margaret Anne Smith at a local coffee house with a reputation for good lattes and a spectrum of social justice projects that support many marginalized members of our community.  It seemed a fitting setting for a conversation with a woman who is, among other things, an advocate for the disenfranchised, sitting on the board of a harm reduction enterprise that supports people living with addiction.  Margaret Anne Smith holds a PhD in English Literature, specializing in 20th Century poetry, and has taught her entire career in the post-secondary setting.  She is an academic, a teacher, a poet, and a fiber artist.  She is married, a mother of two, and has the sort of old-world integrity and essential goodness that makes you believe that we are not without hope, no matter what unbelievable chicanery we witness daily on the evening news.  As I listened to her speak, I couldn’t help thinking of the power of a single individual to effect great change in the world around her, especially one armed with a sharp analytical mind trained to notice what others do not see, and gifted with a clear, insightful voice to ask the right questions.  She is currently at work on a book of poetry that celebrates local coastal beauty and lure.  It is a collection I very much look forward to reading someday.

    Tell me your life story in seven sentences or less? 

    I grew up in Saint John and…same sentence… moved back here on purpose, after spending a dozen years away.  I love my extended family and friends. I have been married to David for 36 very good years. We have two great kids. I live near the Bay of Fundy. I am a teacher. I am a reader and a writer.

    What is the best thing about getting older?

    Learning…I was going to say discovering, but it’s not like a momentary discovery, there is no switch that flips, there’s no ‘aha moment’… it’s a gradual process of learning what I care about. And the other side of it, is learning what I don’t give a fuck about, and that list has changed with time.

    What is the worst thing about getting older?

    Joint pain and not being able to see as well as I want to in my 50s. That’s the part that surprised me, the pain came so much earlier than I anticipated.  I’m on the cataract waiting list which depresses me, but I look forward to losing the heavy progressive lenses.

    If you could retain or retrieve one quality from your youth, what would it be?

    My knees and my feet to be honest.  It’s not my optimism…it’s not my hope, it’s not my energy level I’m worried about losing …it’s my joints. I had envisioned at this age, those walking trips in Europe, but there’s no chance.  I couldn’t physically do it… it’s my knees. I want to be able to hike for ten kilometers and I just can’t.

    What’s the most important lesson you’ve learned so far?

    I think it’s probably learning the difference between spending your energy on things you cannot change and spending your energy on things you can.  And that exists on several levels   So there are things that maybe I cannot change about myself,… my feet hurt, I can’t take a walking trip across Ireland. Ok…goodbye to that idea, and now what can I do instead? Because I think spending your energy on things you can’t change makes you bitter, and we don’t want to be bitter little old ladies in waiting… because it would be easy, wouldn’t it?

    So that’s personal, so now let’s take it to the next level to the people in my circle.  There are certain things I can’t change, and you can invest in those relationships but there are some things you just absolutely cannot change.  I like Glennon Doyle’s Podcast?  It’s called “We Can Do Hard Things”.  It’s American and its funny as hell, and they interview  a lot of interesting people and one of the great episodes is about  how to fortify yourself for the holiday season in terms of dealing with your family and expectations.  A great piece of advice he gives is ‘Be not surprised’ because you know Uncle Bob is going to go down the same road he took last year, so don’t be outraged and horrified by it, just adopt an attitude of ‘yeah, whatever, I still love you,’ when people behave in ways they have always behaved, ‘be not surprised.’

    Jewel has a song I really like from 1998, I’m dating myself here, it’s called Life Uncommon. She says ‘no longer lend your strength to that which you wish to be free from.”  It’s about using your voice and that  speaks to me now…where do you use your energy… where do you use your voice.

    The other part of that question is what you do about the global piece and that is much more difficult right now.  I try to be selective and pick the bite-sized things that I can do.  I joined the Board of Avenue B that operates on a harm reduction model.  I have no lived experience with addiction myself, or in my circle, but I thought I can be on the board.  I’m good at policy and procedure…and I try to make choices with some integrity. I don’t live in a tent, I’m not a drug user, but l am devastated by the inhumanity that’s everywhere in our cities and small towns now and how people are being treated so badly and left out.  We talked about water fountains at the meeting last night.  If you were thirsty and unhoused…where do you go?   

    Do you have a favourite quote?

    Yes, it’s a quote by Vaclav Havel.  I like it because he distinguishes between hope and optimism. It’s a quote from his time in prison.  His language is beautiful of course, but for me the beauty is that he isn’t saying, it will all be fine…because so often it is not fine. He takes hope from being a big cartoony rainbow thing and makes it real.

    “The kind of hope I often think about (especially in situations that are particularly hopeless, such as prison) I understand above all as a state of mind, not a state of the world. Either we have hope within us, or we don’t; it is a dimension of the soul; it’s not essentially dependent on some observation of the world or estimate of the situation. Hope is not prognostication. It is an orientation of the spirit, an orientation of the heart; it transcends the world that is immediately experienced, and is anchored somewhere beyond its horizons.

    Hope, in this deep and powerful sense, is not the same as joy that things are going well, or willingness to invest in enterprises that are obviously headed for early success, but, rather, an ability to work for something because it is good, not just because it stands a chance to succeed. The more unpropitious the situation in which we demonstrate hope, the deeper that hope is. Hope is not the same thing as optimism. It is not the conviction that something will turn out well, but the certainty that something makes sense, regardless of how it turns out. In short, I think that the deepest and most important form of hope, the only one that can keep us above water and urge us to good works, and the only true source of the breathtaking dimension of the human spirit and its efforts, is something we get, as it were, from “elsewhere.” It is also this hope, above all, which gives us the strength to live and continually to try new things, even in conditions that seem as hopeless as ours do, here and now.”

    Do you have a favourite word?

    Sea…as in the ocean. The word sea represents all kinds of things metaphorically but for me it is both a personal, and local place of refuge…it always has been …since I was old enough to ride my bike off the cliff, which I did by the way…I was a free-range kid in West Saint john.  I might edit that out for my mother.

    There is something timeless about the sea… I love the rhythm, I love the sound.  It’s also a metaphor for connection, wrapping around the globe, and it’s a measuring stick for what we are doing to the planet which is a big concern for me.  I think because we can see the trees being cut down and we can see the trees on fire on tv, it’s a little harder to ignore, but we could go to Bayshore this morning and think all is well…and it’s not.  We need to pay a bit more attention… we need to pay a lot more attention. 

    Describe your perfect day.

    Sunshine. Great coffee. The ocean.  My husband and my kids and their partners and nothing planned. 

    If you could have tea with anyone, real or fictional, dead, or alive, who would it be and what would you talk about?

    Given the state of the world, I want to sit down with Greta Thunberg.  Three reasons.  She is young and we need to listen to the younger voices, about everything. I mean look at where the power is…still in the hands of old rich white guys and that has to change.  Secondly, she is willing to make incredible sacrifices for the future. I’m interested in asking her, why, what do you see, what do you envision, what are you giving up and what are you giving it up for?  Three would be the climate crisis, it’s going to cook us and were pretending it’s not.  I want to talk about that.

    Tell me three things that bring you joy.

    Real conversations.  Real, not honest, because even honest conversations have a few lies in them.

    David, Kevin, and Maureen …from the beginning all the way to this morning.  So much joy in that little family of mine.

    Time outdoors.  Some of it goes back to the free-range childhood.  Total freedom.  It might have been an illusion, or it might have been quite real, that no one was paying any attention to us kids.   We were free, and time outdoors reminds me of my freedom.  Also, as an artist I appreciate the changing light and the shadows cast by the sun and the changing colours of the season.  My shoulders lower when I step out the door.

    Name a guilty pleasure.

    Ice cream. Too much fat, too much sugar but it hasn’t made me give it up.  It’s a favourite treat.

    Do you believe in life after death? What does it look like?

    I do believe in life after death, but I don’t know what it looks like.  And I don’t even have an assumed visual. I think when I was young, I did have an idea that was based on a religious tradition…heavenly gates…clouds. So now I think there is so much beauty and goodness, despite the horrors, and I don’t think those things can just come to an end.  There has to be something else.  My sense of what that is has changed, because I think there is something else for the right whale as well, and for the pigeon on the roof… that we’re all part of this interconnectedness that we can’t really, fully appreciate now and maybe our great joy in the afterlife is coming to understand what that interconnectedness means.   

    What would you like your eulogy to say?

    I boiled it down to two things. First, I want my children to write it, and I trust them. Second, and how’s this for a mothers’ control, I hope they would say that they saw that I remained engaged until the end of my days.  I don’t like the word engaged… maybe passionate, passionate is better, engaged is so psycho-ed, or maybe that I cared, but that’s too Hallmark.  Passionate works, and passionate about what doesn’t really matter…maybe when I’m 80 I’ll be passionate about my pansy collection.

  • To Retire or Not to Retire…that is the question

    A Blessing for One Who is Exhausted

    “…There is nothing else to do now but rest and patiently learn to receive the self you have forsaken for the race of days…

    You have travelled too fast over false ground; and now your soul has come to take you back.

    Take refuge in your senses, open up to all the small miracles you rushed through…

    Be excessively gentle with yourself. Stay clear of those vexed in spirit.

    Learn to linger around someone of ease who feels they have all the time in the world.

    Gradually you will return to yourself, having learned a new respect for your heart and the joy that dwells far within slow time.”  – John O’Donohue

    There comes a moment in the life of every little old lady in waiting to consider the merits and limitations of retirement, il dolce far niente (the sweetness of doing nothing – English translation…taking time to smell the roses). Perhaps it’s just a whisper inside yourself for now, that smiles a knowing smile on sunny days that seem too precious to trade for mere money; or maybe, like me, that whisper has mutated into a belligerent bitch who wins every argument and laughs openly at your attempts to ignore her. The truth is that the voice within always knows best. Once you entertain the notion of retirement, it establishes a little foothold somewhere between your world-weary gut and your hard-working heart. It grows strong on a steady diet of IDGAF workplace disenchantment and a flirtation with a trending new prescription known as self-care. The decision, once taken, is definitive.  For this little old lady in waiting, it is time to retire.

    Two months shy of 59, I have traded life hours for money for almost 45 years now. I have had a long and varied work history and worn many different hats in my career.  I’ve worked in libraries and restaurants, offices and classrooms, hotels and bars, hospitals, bookstores, and teashops, and even from the comfort of my own home while freelancing and raising my kids. I have, overall, enjoyed my working life and all its compensatory gifts. My mind is most at peace when engaged, and so work has been my ally all these many years, my morning coffee, my daily talk, and at times my evening companion as well.  If I factor in all the extraordinary humans I have met along the way – the work wives, the confidants and confessors, the friends who carried you on the hard days, and allowed you to carry them in return; it’s clear that work, for most of us, is a lot more than what we produce with our hands and minds, it’s also a journey into each other’s lives in a very real and lasting way. 

    Work has far more value than whatever dollar amount that magically appears in our bank accounts every two weeks, so whatever it is that starts you down the path to reclaiming your freedom, it’s important to consider the metrics and logistics very carefully.  Are you absolutely sure that you’re ready to embrace your freedom, because I think we all know why the caged bird sings. Agendaless days and a wide-open appointment book can be a bit overwhelming for the uninitiated.  I mean, when is the last time you asked yourself what it is you would like to do today?

    Let me be frank, a practiced readiness and a thorough accounting of your life goals is an essential prerequisite to any serious retirement discussion. What price freedom?   How grand a lifestyle does your current salary maintain?  Does your retirement require the maintenance of a cottage, a boat, travel, seasonal wardrobe revitalizing, adult children, aging parents?  Maybe your only essentials are a good pair of walking shoes, a library card, and the company of someone who can still make you laugh.  I fall somewhere in between.  My non-negotiables include a towering TBR pile of books, a pickleball squad on speed dial, and the occasional stimulating conversation.  I can make do with two out of three in a pinch.

    The decision to retire is hugely dependent on how much your work adds or detracts from your life. I have friends working well into their 60’s whose work transforms and inspires them:  artists, chefs, academics, writers and makers whose work is so intrinsically a part of their lives that retirement would seem a sort of death, at least of the spirit. They are the lucky few. I have other friends, smart and autonomous, who make their living comfortably ensconced in their own homes, using only their brilliant minds, and lifting no more than a finger or three to upload their work. At the top of their monetary game, “why on earth would I ever consider retirement,” they cluck. Huge monetary earnings … minimal effort… bit of a no-brainer really. 

    For everyone who feels fully engaged in their work, who love the role they play in their workplace, and who might even feel lost without their work, I say play on.   But for those other friends, no less successful in their chosen fields, who count the days and the dollars needed to free themselves from the alienating chains of industry, or those who spend even one of our apportioned days contemplating a life more fully lived, I say retire and God’s speed. 

    My own decision to pull the retirement rip cord was ignited by a few seminal life events including a devastating personal loss, and an injury that necessitated a protracted period away from work.  The first put me in touch with my own mortality and taught me that time, specifically time with loved ones, is the only real wealth. The second provided a safe space to test drive what a life free of the shackles of gainful employment might be like.  It did not disappoint.

    Earlier this week I retired from a position I have held for over a decade as a Palliative Care nurse.  In that time, I have watched hundreds of people die and, of late, anecdotally at least, it seems I have nursed a great many little old ladies…in waiting.  None of the patients that roll down the hall onto the Palliative Care unit are ever truly ready for what comes next, even those with significant disease burdens and those who have been unwell for a long time.  It always takes these brave souls a bit by surprise when they come to fully understand, that they are living their last days and hours, that they are lying on their deathbed, where they will take their last breath.

    It has been a great privilege to attend the dying in their last days of life, to understand the absolute value of time through their eyes, and bear witness to their unspeakably beautiful, quiet acts of courage and grace.  Despite every small aortic tear my work has cost me, to stay present and care for my patients and their families, they have paid me back a thousand-fold in what they have taught me about life and about death. Nothing is promised.  There is only now.

    If you’re a little old lady… in waiting, like me, then maybe it’s time to explore a life unfettered by labour, or, at the very least, time to ask yourself how it is you’d like to spend your days in the last quarter of your life.  If you’ve grown weary “running up that hill”, it might be wise to have a listen inside yourself, a little away from the madding crowd, with time and space to hear what you’re thinking in there. Steal away with me awhile.  I’ll be sat low to the ground somewhere near the sea, with my dog and a flask of tea, looking out on the water’s unknowable depths and meditating on a fine line by T.S. Elliot, “to make an end is to make a beginning.  The end is where we start from.”