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Traveling Solo in Italy: A Personal Journey

Donna found herself through her solo travels. Find our more about her journey.

Donna Keel Armer considers herself a late bloomer. She enrolled as a college freshman at 33, took her first solo trip to Italy at 67 and published her first book, Solo in Salento: A Memoir, at 75. “I had to make up for lost time,” she said during our recent interview.

Donna Keel Armer

Donna grew up in a traditional family where the one goal in life was to marry and have children. “I made a mess of that,” she said.

Her first marriage at 19 was a disaster, and she was divorced within two years. “I had such a sense of failure, yet I still retained the antiquated notion of marriage as my only option.”

The second marriage to a much older man, who was an alcoholic, turned abusive. But with one divorce under her belt, she felt compelled to make it work.

“I hung in that dreadful environment for eleven years,” Donna said. “I was raised in a fundamentalist household, divorce was not an option, and I now had two strikes against me. My family wasn’t exactly understanding.”

After her second divorce, she changed her focus and entered college as a thirty-three year old freshman with a double major in Psychology and Social Sciences. “I thought maybe I could sort myself out with a degree in Psychology, but it took a lot more work than a degree to do that.”

After graduating, Donna went to work first in the insurance industry and then the airline industry and rose through the ranks to become a Senior Director. At the same time, she began to repair her personal life and decided third time’s a charm when she met and  married Ray. They will celebrate forty years in 2023. “He’s just a gem and we have so much in common.”

Donna and Ray in Murano, Italy May 2022.

After retiring from corporate America, Ray and Donna opened a restaurant and catering service. “It was the hardest work I’ve ever done,” Donna said. But she loved the business, particularly the catering part. “I loved the intimate nature of catering and the pleasure it gave me to create celebratory events for people  Even catering a funeral offered us a chance to take care of people so they didn’t have to worry.” Donna said. “It was rewarding.”

Not only did catering feed Donna’s passion for food and cooking, but she also learned a lot about herself. “One of the unexpected ministries we encountered came about when the first big hurricane hit the East Coast. Because we were on the evacuation route, we housed and fed people who were fleeing the storm. There were many unique experiences like this that helped me as a person. It taught me to listen to other people’s stories and be compassionate.”

In 2006, after 10 years, Donna and Ray sold the business and moved closer to family. But after leaving home when she was nineteen, Donna didn’t experience the relationship with her family that she had hoped for. In fact, issues from the past surfaced which created more pain and angst and much of the personal repair work she’d completed, fell into disrepair.

During this time, Donna made progress in one area of her life. She had wanted to pursue writing since she was seven but allowed the influence of others to direct her life’s choices. At sixty, she began to write articles for local magazines.

Making the Decision to Travel Solo

In 2012, Donna again felt that sense of desperation about her life. She knew that she truly hadn’t put aside much of her previous garbage and she had taken on more. She told Ray she wanted to to go away alone and sort through the bits and pieces of her life that were unraveling. “He was very understanding,” Donna said. “We have always been respectful of one another’s choices.”

Donna choose a small town in the region of Puglia in Italy for her solo trip. She and Ray had visited the town in 2010 and Donna had been drawn to the ancient walled village and the warrior woman overlooking the harbor.

Statute of warrior woman guarding the harbor.

Ray’s only request was they spend time together in Italy. And he wanted to check out the apartment she’d rented before he left her on her own. They flew over together to visit friends in Umbria. Then they drove Puglia. “He said he wanted to be able to picture in his mind where I was and that I was safe,” Donna said. “That’s what I love about him.”

When Ray left, Donna had mixed emotions. “As I watched him drive away I was sobbing.” But the sun was shining and the children were playing in piazza. She grabbed a gelato and headed to her new home for the next five weeks. “I put that key in the door and thought yeah. I felt so empowered,” Donna said.

This was the beginning of major healing for Donna. “Just as I learned to create a work of art from broken pieces in a week-long mosaics class I took, I began to put the fragments of my fractured life into a whole,” Donna said. This trip was the impetuous for her book, Solo in Salento: A Memoir. “In this tiny village full of mystery, martyrs, and music, I found my voice,” Donna said.

Mosaic Donna created during her class.

Life After Italy

She returned to the United States feeling renewed. But it was a crash-landing as shortly after her return, her sister was diagnosed with ovarian cancer. Donna assumed the role of caretaker until her sister’s death eight months later.

After her sister’s death, Donna and Ray moved to the small town of Beaufort, South Carolina. “Beaufort is a haven for writers and artists. I blossomed as a writer, and I found a niche for myself when I began to volunteer at the Pat Conroy Literary Center,” she said.

She also joined a writing group. “That’s where I met my writing mentor,” Donna said. Each member is required to share something they had written for critique. Donna presented an essay called “The Last Supper.” (Now chapter 45 in her book.) It was about the last meal she had during her solo journey to Otranto. “That trip changed my life, and I needed to share that story of healing.”

The group told her that she needed to write her whole story about her solo trip. Prior to that Donna hadn’t considered writing a book, but encouraged by the group, she began to write her memoir.

A Personal Memoir

Although her book details the beauty of Italy, generosity of the Italian people, and delicious cuisine, it is more than a travel guide. It is about one woman’s journey to find her voice. She talks about her life, her marriages, and how traveling alone gave her the gift of healing.

“I took time to recycle my own trash and to piece the fragmented parts of my life together,” Donna said. Both mosaics and recycling trash figure metaphorically in the memoir.

“Prior to my trip, I’d always done things that I thought other people imagined I should be doing. I learned I didn’t have to do that. I could be whomever I wanted to be. Now I’m a writer. It’s a dream come true,” Donna said. “I hope it’s an inspiration to others. It’s important to sweep away the parts of your life that incumber you and to seek a joyful way of living your life fully and completely.”

When the book was published, Donna was surprised to hear from many woman who had also been married numerous times. They shared their stories of shame and pain and thanked her for the possibility of taking a different path.”

In September at age 77, Donna is marking a new milestone. Her book is being translated into Italian. Un’Americana in Salento and her Italian book launch is scheduled for September 3, 2022 in the village of Otranto.

Donna and her husband Ray continue to travel. This year they spent a month in Italy and a month in Slovenia. She had planned to celebrate a solo trip for her 75th birthday, but then COVID hit. However, when her book is launched in September, she will be going solo. “It’s such a freeing experience. I wish everyone had the opportunity,” Donna said.

Advice About Traveling Alone

Donna knows that some women are reluctant to travel alone. Although she had traveled alone in her corporate career, her personal solo traveling is very different. She is always aware of her safety no matter where she is. “I just think it’s smart to be prepared. Before I go, I research the location of the police station and the hospital. I always have emergency numbers in my purse as well as the number for the American Embassy,” Donna said.

She’s also learned it’s important to strike up a friendship with a local person. This gesture establishes a link with someone who can help her with the language or other problems that might arise.

“I think you have to have a brave heart to travel alone. But I think just living you have to have a brave heart,” Donna said.

Food and Wine

You can’t talk about Italy without talking about food. “I’m partial to the Southern part of Italy because I prefer tomato sauces over cream sauces. And the seafood on the Adriatic is superb.”

Donna not only enjoys eating in Italy, but she loves cooking as well. “Everywhere I go I ask a local person to teach me how to make a local dish,” Donna said.

Arancini

Last time she learned to make arancini, a rice ball stuffed with a meat ragú, green peas and mozzarella cheese, rolled in egg and bread crumbs and then fried. “They are so delicious with the gooey cheese melting in your mouth when you take a bite.”

She now wants to learn to make a tiramisu she had in Sicily. Donna described her favorite as a unique round-shaped cake shell. “When you cut into it, a thick chocolate sauce, thick caramel sauce and thick pastry cream oozed out. I’m a real sweet lover,” Donna said.

“But then, there’s hardly anything in the food category that I don’t love,” Donna laughed.

And the wine! Donna and her husband are mostly red wine drinkers. “The reds in the Southern region are so gorgeous and intense. There is a really distinct flavor to the grape that has almost a raisiny after taste. They’re delicious.”

Finding Time to Heal

Donna knows that her solo trip to Otranto helped make her the person she is today. “You don’t have to go to Italy to start the process. Start small. Carve out the time for yourself to be alone with your thoughts,” Donna said. “Learn to like yourself as a person. It’s so critical. In Italian they use the word essere which means to be. Americans are such busy people, always doing instead of being. Learn to be.”

What’s next for Donna? She’s writing a mystery series that is currently in the submission process. The series features Cat Gabbiano a Lowcountry caterer who embarks on a trip to Italy when her best friend goes missing from a small town in Puglia. Donna continues to submit travel essays and writes a travel blog when she’s on the road.

Find out more about Donna Keel Armer and her book Solo in Salento: A memoir or you can follow her on Facebook.

If you know someone who would make a good subject for my blog, email me at ksparis15@gmail.com.

Janice Goes to Hendersonville

In 2019, after almost 19 years working for the Baltimore County Public School (BCPS) System, Janice Seville-Schwartz was ready to retire from her job as Paraeducator working with autistic students. She knew the time was right.

Janice, Don and Tob

Her husband. Don, had previously retired from BCPS as an elementary school teacher and was working as a school crossing guard while Janice finished out her career.

They had planned retire in 2020, but an inheritance allowed them to retire a year early.

They actually started talking about retirement in 2014. Although they considered many options, North Carolina seemed like a good fit because Don’s brother and several of their friends lived there.

A friend recommended that they look at Asheville, North Carolina. So, Janice and Don planned a trip down south to look around. Halfway through the trip Janice’s step-son called to ask how things were going. “It’s a nice place to visit, but it was too busy, I was looking for a small town,” Janice said.

He suggested they go 20 miles down the road to Hendersonville, North Carolina. Janice said, “We got to main street and I thought ‘this is where I want to be.'”

It was a smaller town, but still close to Asheville. “It was Ellicott City and Catonsville rolled into one,” Janice said. (Janice and Don had been living in Catonsville, MD which is just up the road from Ellicott City.)

I wanted shops, restaurants, things to do but in a small town atmosphere. “It was as though some course was guiding us here,” Janice said.

Of course, that was only one day, but they knew they wanted to return. A year later they returned and spent a week there participating in town activities and attending a local festival. Then they started driving around and looking at different neighborhoods.

As part of their adventures, they followed a sign that read, “Bat Cave” and decided to explore. There actually was a bat cave that was closed. Instead, they discovered a development being built in the middle of farm lands and apple orchards. It was an idyllic spot.

They weren’t quite ready to purchase, but a year later in 2016, they bought a lot and began dreaming about their new life in Hendersonville.

Each year, they kept visiting and every time they returned home Janice thought. “I wish we didn’t have to leave.”

Preparing for Retirement

In 2018, they spoke to their financial advisors. Don was ready to leave the school system. But when Janice and Don first spoke to their financial advisors. they recommended that they not retire. “They didn’t think we had enough to live off in retirement,” Janice said. “But we just didn’t listen to them. Life is too short.” Janice had learned that lesson when her sister passed away at 58.

So, Don retired in 2018 and Janice had planned to continue working for two more years. However, in 2019, Janice inherited money from relatives. That’s when she knew it was time to leave. She finished out the school year, they sold their home and the day after school let out, they moved down to North Carolina to oversee the building of their new home.

Building Their New Home

Once they were in North Carolina, work started on the house in October 2019. They lived in a 700-foot apartment during construction. They knew they could handle that small space for a short period of time, but then COVID hit.

Their new home in Hendersonviille.

They got an email from the builder who wasn’t sure they were going to be able to continue work on the house. It was a question of getting workers and supplies.

“That was an interesting time,” Janice said. “We were just starting to meet people and then suddenly it was just Don and myself in a 700 square foot apartment. On the good side, we started exploring the area. We had to get out of the apartment every day, it was like an adventure.”

Luckily, the work was able to continue. The workers wanted to work so building began, but there were restrictions. One restriction was that Janice and Don couldn’t be at the house while the workers were there.

So, they would go over after the workers were gone. Because this was a total build, they wanted to closely monitor the progress. “We picked out everything,” Janice said. She even found the floor plan for the house online.

Because this was their forever home, the builder made sure it ADA (American Disabilities Act) complaint. The whole house is accessible. The hallways are wide enough for a wheelchair, its all one level and the shower has no doors and is curb-less.

Life In Hendersonville

“Our kids say to us ‘Why do you do so much,” Janice said. “‘What do you want us to do, sit around doing nothing,'” she responds.

“There’s so much to do here.” Janice said they go hiking, frequent the local breweries and wineries, and take our visitors to visit places like the Biltmore and she is even working at the visitors center.

In addition, they have joined a local church down in Hendersonville and have found it was a great way to meet people and make friends. One day, Janice and Don showed up for an open meeting and everyone was wondering who they were. “They smelled young blood,” Janice chuckled.

Don is now very involved volunteering with the church. He also volunteers with the North Carolina Cooperative Extension, which does a wide variety of agricultural projects including growing experimental apples. Henderson County is the Apple Capital of North Carolina. Don goes there once a week to volunteer and has even learned how to drive a tractor. Don also volunteers at a local historic site helping with school field trips. He helps the Henderson theater by building sets and running lights. “He’s gone every day,” Janice said.

Starting a New Job

Janice started volunteering at the local visitors center in 2020. The Center closed down from March to August due to COVID, but then she returned to work under strict COVID protocols.

Special visitors (her grandkids) surprising her at the visitors center.

Janice said working there has been a real learning experience. “There were a lot of things I didn’t know,” said Janice, “like how to give directions.” But slowly she began to learn and started working more hours. In October 2021, the director asked her if she would be willing to work part-time. Janice agreed, but only if she could continue attending her monthly Daughters of the American Revolution (DAR) meetings and have flexibility to take off to travel. They agreed.

Now, Janice and Don use the extra money to go out to dinner and it even helped pay for a Girls Trip to Puerto Rico.

Retirement Life

The hardest part is being away from family and friends. Ironically, many people from their home town of Catonsville are moving to Hendersonville. A total of seven so far.

The best part of retirement according to Janice is the freedom. “I feel relaxed and I feel empowered. I don’t care what people think of me,” Janice said. She finds herself being more assertive in her new life. “I do things for myself.”

janice having fun at work learning about the llama farm.

Another benefit is Janice said she and Don have never been closer. Although, there is someone else who is competing for her attention these days.

They have adopted Toby, a mini Bernedoodle puppy. Janice said they bought their dog from an ethical breeder who requires documentation that they will have him neutered and that they will never put him in a shelter. She felt good about adopting him because the money the breeder makes goes to a charity for enslaved children.

Finances and Health Care

One of the reasons they have had such a good retirement was planning. Both Janice and Don receive a pension through Baltimore County. In addition, now that Don is 65, he is taking is social security and is covered by Medicare.

She used the money she inherited from her mother to pay down debt and the money she inherited from her uncle helped pay for the house. “I really think you need to be debt free to retire,” Janice said.

Janice is still covered through Don’s Baltimore County health insurance. Good health insurance was particularly important to Janice because in 2015 she was diagnosed with MGUS (monoclonal gammopathy of unknown significance), a non-cancerous condition where the body makes an abnormal protein, called a paraprotein. It can be a pre-cursor to blood cancer and Janice is being monitored by a hematologist. The healthcare here is really wonderful here,” Janice said. There are two hospitals right near by.

Final Advice

Janice and Don had been planning for their retirement since 2014. “Make a plan, but be flexible. Things can change.”

She also recommends getting a clear idea of where you want to live. Janice knew exactly what she wanted in the place they were going to retire to, even if at first she didn’t know exactly where that place was. “Decide what environment you want to live in,” Janice said. “Some people I have spoken to who have retired to the beach are now ready to leave,”

“Life is an adventure. Keep busy,” Janice said. Words Janice and Don seem to live by.

If you know someone who you think would be a good subject for this blog, email me: ksparis15gmail.com.

Cindy & Matt: Finding Love After 60

Cindy wasn’t looking for love, but it found her in the small town of Milton, PA.

When Cindy DeGroat moved to the small town of Milton, Pennsylvania, falling in love was the last thing on her mind.

After 25 years as a Baltimore County Public School teacher, Cindy turned 62, submitted her retirement papers on February 1, 2019 and moved two weeks later. Having divorced her husband, she left Baltimore to be closer to her sister. Cindy was fairly familiar with the area and had friends that lived nearby. It seemed like the perfect choice.

Cindy started her new life by puppy-sitting and then welcoming her first grandchild in May. Following the birth, she applied for background clearances and began substitute teaching. 

Cindy split her time between Milton and Springfield, Massachusetts where her daughter lived.

She and her sister were anticipating a trip to Italy in 2021. 

Retirement was going just as Cindy had planned.

The Meet Cute

Matt Farrand first noticed Cindy when they were swimming laps together at the Milton YMCA.  He knew right away there was something special about her.

Matt started talking to Cindy in the pool but just as they were beginning to move from small talk, life got in the way. Matt’s dad passed and Cindy’s second grandchild was born so neither one was able to spend much time at the Y the summer of 2021.

“I thought ‘C’est la vie,’” Matt said. “It was nice chatting with you, if only for a little bit.”

But not long afterwards, Saturday, August 21 Matt saw Cindy at a 5K race at Milton State Park. She was wearing a hat that read Guanajuato, Mexico. Matt’s family had spent six months there while his dad, a college professor, was on sabbatical in the 1960s. Matt went over and struck up a conversation. They consider that their anniversary date. 

Getting Acquainted

What Cindy remembered most from their previous time in the pool was that they both wore orange swim caps. What Matt remembered were her flip turns.

“I was very aware of Miss Cindy,” he said with a smile. “Her flip turns are a thing of beauty.”

Now on dry land, they decided to get to know each other better. As the race was getting ready to start, Matt said he had pictures of Guanajuato to show her. Cindy gave him her phone and told him to put in his contact information and she would call him.

Cindy called him later that night and they set up a time to meet that Sunday. 

“I told him I was a Christian and I was going to church and we could meet after church,” Cindy said. 

Matt asked, “What can I bring?” That impressed Cindy right off the bat. She said she wasn’t used to someone taking her needs into consideration.

Long out of the dating scene, Cindy was cautious about the meeting. She set up the meeting at the park, in public and drove her own vehicle. 

The first date was during the height of the pandemic and Matt took the time to wipe down the old wooden bench before they sat down on it. “I was guffawing,” Cindy said. “Who takes the time to wipe down an old wooden bench?”

“It had bird poop on it,” Matt said. 

The romantic atmosphere was subdued by the bug spray she wore and the drizzling rain that chased them into his car, according to Cindy. However, she left feeling hopeful.

After that first date, they spent a lot of time talking on the phone.

“I dumped all my dirty laundry on him,” Cindy said. She told him about her life, her marriage and her time in Maryland.” 

Matt said he opened up too.

“I just knew, this girl’s really something,” Matt said. “I can’t let this one get away.”

Navigating Life

Matt was still working full-time. During the week he is a reporter for a local newspaper and on Saturdays he sells athletic shoes and apparel. Sunday was the only day they could spend together.

Cindy is enjoying retirement life while Matt is rethinking his future plans. He sees himself entering a new work phase in 2023.

Love and Marriage?

Matt has never been married and has no children although he has been in other long-term relationships. 

“I am facing new horizons with as open a mind as I can,” Matt said. “Cindy has introduced me to things I wanted to happen 25 years ago, but I didn’t have the courage or the circumstances to make those changes.”

“He’s talking good food and church activities,” Cindy piped in.

They have joined Christ Wesleyan Church, which is considerably bigger than the town of Milton where they live. They have been taking relationship classes with the church to help them develop as a couple.  

“We have also joined “Best Years Fellowship”, a 55+ group, that has monthly activities,” Cindy said.

How is dating different after 60? Neither of them were big daters in high school, but they said now they feel like they’re 14 again.

“We laugh a lot,” Cindy said. 

“We have a lot of PG fun. ‘Cindy and Matt go to the malt shop’,” Matt added.

“He treats me exceptionally well,” said Cindy, which is different from her previous relationships.

“I have never been happier,” Matt said. 

“Back in the day, it was one date, a cup of coffee and back in the sack you go,” Matt quipped. Now he says he is being true to himself and focused on building a strong relationship. “My awareness at 65 is so much better as is what I value”.

“We both know ourselves and what we like and don’t like,” Cindy said. After taking a relationship test, the counselor told them they were a “vitalized couple.”

Everyone is asking when they are getting married. “People are sensing and seeing something,” Cindy said. Their mentor couple said they just love being around them.

Matt says he does have a timeline in mind. Although never married he said, “I know I have it in me.”

In addition to their commitment to each other, they are committed to fitness. They work out 6 to 7 days a week. They both walk and swim. Matt is also a runner and a cyclist. 

Cindy says, “He has titanium legs and he loves my titanium arms.” Cindy says that the wedding ring might be titanium.

Family Concerns

Like many people with grown children, Cindy’s children were apprehensive about mom’s new relationship. 

Cindy waited before telling her kids. In addition to the usual concerns, Cindy has mixed race children so it was important to her that her significant other be fully accepting of them.

“I knew I wanted someone who was not just going to pretend to be OK with it,” she explained.

 Cindy checked out his LP collection and saw he had many black artists including Hip Hop and Soul artists from his many years as a DJ. In fact, they had many of the same albums. In addition, Matt was well acquainted with civil rights and black history. “He’s not just someone who merely co-exists with minorities,” Cindy said.

In fact, one of  the first questions both kids asked was, “Is he Caucasian?” When Cindy said he was, Matt asked, “Is that a good thing or not?”.  It must have been because they approved.

Advice for Those Looking for Love

“Be happy with yourself first,” Cindy said. Matt sensed what could for once in his life work out. 

“I kind of conjured up Cindy,” he said. He wanted someone who was about his age, fit, ‘wearing the same color tie on election day’, a non-smoker and cute. ”Five out of five,” he said. “I won the lottery.”

She’s also a good cook, as is Matt.  “That’s a bonus,” Cindy said.

If you know someone who you think would make a good subject for my blog, send me an email at ksparis15@gmail.com.

Saying Adios to Work and Hola to Retirement

Ken Fellman knew he wanted to retire early. Now, he is living “The Summer of Ken” and loving it!

Ken Fellman always knew he wanted to retire early. Watching his father pass away at 62 from cancer deeply affected him. “I don’t know how many years God has for me here,” Ken said.

So, after nearly 40 years in banking, he left his position as Senior Vice President of Consumer Banking, turned in his retirement papers and began “The Summer of Ken,” he said with a broad smile.

He considers it a “redeployment rather than a retirement” because he knows there is more for him to do. But for now, he’s spending time with his family, pursuing his hobbies (hiking, biking, and camping) and learning Spanish.

Ken has a deep commitment to learning Spanish and spends 2-3 hours a day practicing. He even has a tutor 3 times a week. He isn’t sure what is driving his passion to learn Spanish, but it began when he was traveling. “My whole family speaks Spanish and I got tried of being the one saying ‘ask them this’ when traveling,” Ken said. “I didn’t want to be that guy any more.” So he began lessons.

His sons learned it in middle school and his wife Kathy began learning at that time to both help the boys, but also to cross it off her Bucket List. She enjoyed it so much that she earned a Bachelors Degree in Spanish. Ken and Kathy even did a trip to Guatemala for a 5 day immersion program a few years ago. After he retired, they returned for a three- week immersion program

“Guatemala is a great place to learn Spanish,” Ken said. “They speak more slowly down there and the people are phenomenal.” Their program was in Quetzaltenango, the second largest city in Guatemala located nearly 5 hour bus ride from Guatemalea City. where there are very few Gringos (English-speaking Anglo-American). “You’re forced to speak Spanish all the time,” Ken said.

He and Kathy were drawn to Guatemala and its people ever since their first visit there. Ken knows that his future involves a life of service, maybe in Guatemala. “I felt as though I served people in my role at the bank, but now it will be something different.” Ken said. “Something about mission service.”

For now, Ken is enjoying every day. As an avid outdoorsmen he is cycling on his retirement present. Ken, not one to spend money on himself, he made an exception and splurged on a new road bike — a custom-built Salsa Warroad, complete with a Shimano D12 groupset and carbon wheels (Whiskey No. 9 30d).

He is also going backpacking both by himself as well as with his sons. He is also putting all his outdoor knowledge to work with others with his blog fourbrothersgear.com. He named this site after his four sons who also share his love of adventure. On his blog, Ken gives detailed descriptions of hikes and camping trips he has taken and gives insider tips for people who may be interested in taking these trips as well.

Ken also does in depth reviews of hiking and camping gear. He creates YouTube videos where he gives descriptions and demonstrations of various types of gear. (Writers note: These are awesome. I don’t even like hiking and camping, but thoroughly enjoyed the videos.)

Next on his list is taking a trip to Spain to walk The Camino de Santiago, or the Way of St. James with Kathy. This is an ancient pilgrimage trail in Europe made up of a vast network of roads and paths, leading to the Cathedral of Santiago de Compostela.

How Did He Get Here?

When Ken announced that he was retiring, many colleagues lamented that they were not in a position to retire before age 65. As a banker, Ken understood the financial constraints many people are under.

However, Ken and his wife Kathy had been preparing for retirement for “many, many, many, many years.” Ken worked in banking while Kathy worked raising their four sons. Ken is careful to say that Kathy didn’t work outside the home because he knew how hard she worked raising their sons.

“The choices we make in life about our finances and spending habits influence the ability to do what I’m doing, retiring at 60,” Ken said.

They worked together putting money into Ken’s 401K and their savings. They also made sure not to live beyond their means. Even though they had four boys with only 3 and a half years separating them, the boys did not have their own car. Part of it was financial, the other part was “car conversations”. Those times when your kids will talk about what’s going on in their lives.

“When you have young men, to have them talk, you have to have food, an activity or have them in the car,” Ken said. Kathy learned a lot about her boys during these times in the car. “It served our family well,” Ken said.

Ken’s whole family including his new daughter.-in-law.

Ken and Kathy also put all four sons through College. They planned early with 529 plans for each of them and a promise to put them through the University of Wisconsin- Madison (their home state).

“You can spend $60,000 at Purdue or $25,000 a year at the University of Wisconsin on an engineering degree. The outcome is the same,” Ken said. If his sons had wanted a different option, they could pay the difference.

“We have been pretty intentional about how we spent our money,” Ken said. They also made sure that before they retired they did not have any debt. No car or house payments.

Health Care Costs

Health care is definitely a concern for Ken and Kathy. They did not have health care benefits through his job and are currently in the insurance open market. He is on COBRA.

The cost of insurance is very expensive, but it was another item that Ken and Kathy made sure to take into account before he left his job.

Three of his sons are on his insurance; however, they are cost sharing. His sons are paying their portion of the insurance and so far the arrangement is working out. Still Ken knows this will be a significant expense until he and Kathy reach 65.

The Future Looks Bright

At this point, Ken is not sure what the future holds. He knows that in some way it will involve service and will leverage his love of Spanish language.

Ken, Kathy and the boys.

For now he is enjoying his time with family and friends, although he and Kathy are not spending that much more time together. “You know what they say ‘For better or for worse, but not for lunch,” Ken said. His wife is very busy with her life so after they share a coffee in the morning, they often don’t see each other again until dinner time.

And Ken is the one doing the cooking! At least some of the time. “I’m a passionate cook. I love cooking.” Ken said. His specialties include making smoked meat, homemade pizza and sourdough bread.

Ken’s life is also full of kids in transition, “One is moving to Ann Arbor. I’m helping another one buy a car. Another is applying to Med School,” Ken said. He is enjoying having the time to help them.

After the summer, he is also entertaining many ideas. He may apply for a job at REI just for “grins and giggles.” As an avid customer, he knows so much about many of the products at REI. They even have opportunities to guide trips which Ken said he would enjoy doing.

“I’m so excited about my life. I don’t know where it’s going, but I know it’s going to be good,” Ken said. “I feel there is something more in my life that I’m meant to use the skills I’ve been blessed with to serve others.”

His Advice Moving Forward

“I tell my boys, “I retired March 4th and on March 5th I began dispensing advice to solve all the world’s problems,” Ken said with a laugh.

But really, he said he has the same advice he had heard from so many others, “You have to retire to something.”

“You have to understand what motivates you. That will help you determine where and how you want to invest your time,” Ken said.

“Dream big. People can do this, but you have to have some foresight.”

If you want more information about Ken’s travels, go to Fourbrothersgear.com.

If you or someone you know would make a good subject for my blog, email me at: ksparis15@gmail.com.

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