Money – Growing Up Not Old

Finding His Heart in South Africa

When Randy May turned 50, he took a job in South Africa that has lead to a life of fulfillment, change, adventure and love.

Randy May never took the typical path. Early on in his social work career he realized that he enjoyed working closely with a team of people in mission-driven community organizations. In 2008, that desire took him to accepting a job as Deputy Country Director in Ethiopia working with an international HIV organization. He did well, and was later promoted and moved to South Africa. In 2012, he celebrated his 50^th birthday by driving up to Kruger National Park with a colleague to enjoy the vast natural beauty of game park and the wildlife. “It was a lovely day.”

In 2014, Randy met his now husband, Walter. “It was such a surprise. I was 52 and wasn’t looking for love or a partner,” Randy said. “I was just living my life the way I wanted to. I was privileged to run into a really sweet guy.” They were married in May 2018.

Everything seemed to be going well, but in March of that year, Randy was called into a global meeting of the organization and informed that the organization had lost much of its funding due to a change in administration and was cutting the US-base funded positions. “It made perfect sense,” Randy said. The organization wanted to prioritize keeping the field offices open so many of the management and administrative positions were eliminated, Randy explained.

Although Randy had a spousal Visa, he did not have a work permit. “Like many places, you need a work permit to get a job, but you need a job to get a work permit.”

Randy tried for a year to get a job there. “I tried, but being 56, I needed a salary in US Dollars so I could contribute to my Social Security and 401K after a career as a social worker.”

He and Walter had the difficult conversation and concluded that Randy needed to go back to the United States at get a job. “I think that if we were much younger, it would have been really hard. But being at the finish line of work, it is time limited. I mean it’s still hard, but if it was open-ended, it would be even harder.” He returned to the U.S. in October 2019.

Walter needed to stay in South Africa to finish out his career. He had 26 years working for a bank and only a short time until he could retire. “Everyone retires at 60 there,” Randy said. Walter would work until 60 and then have a pension for the rest of his life.

So, in October 2018, Randy moved back to the U.S. He had been in Africa for over 11 years. “Everything I had here was in storage,” Randy said.

He moved back to Maine where he had friends and lived for 23 years before moving to Africa. “I applied for a job to work at the LL Bean call center during the Christmas season like every good Mainers does and I had done for two seasons in the past.” When not working, he volunteered at a local soup kitchen.

Luckily, by the end of December 2018, Randy was hired as the interim deputy director of a small, non-profit, supporting health systems in Haiti. “It was doing work that I love,” said Randy.

With his new job in place, Randy scheduled a quick trip to see Walter in South Africa. Then in February, he visited Cap-Haitien, Haiti for three-weeks to see first-hand how his work was affecting the residents of Haiti and to learn more about the organization.

“The organization I was working for was supporting local clinics and hospitals,” Randy said. His job was to help them get training and equipment so the residents could get quality health care. “It was lovely. The people were very friendly,” Randy said.

Then COVID hit and Randy wasn’t able to go back to South Africa to see Walter. “It was hell. Thank goodness for Facetime and WhatsApp, but it wasn’t what we had bargained for,” Randy said.

“It was pretty intense, but we were confident in us,” Randy said. He said he is grateful that he didn’t lose any family members to COVID. “In perspective, we were inconvenienced,” Randy said.

Randy enjoyed his job in Maine, but knew it was an interim job. He also felt he needed to move closer to his mother in Indiana.

“I knew my mother was failing and wouldn’t be able to live independently,” Randy said. He began looking for jobs in Indianapolis so he could support his mother and his sister, who had to bear most of the responsibility of taking care of his mother.

He got a job with the Marion County health department doing HIV work. “I’d run away from Indiana in 1984 and never looked back,” Randy said. However, moving back proved to be a good experience.

He enjoyed his time in Indiana and enjoyed reconnecting with friends. “I enjoyed the work and planned to stay there working the five-year plan until our retirement,” Randy said. “I met a lot of great people there.”

Then, one day, somebody “pinged” him and said he should look at a job in Washington D.C. The job was as the Director for HIV and Harm Reduction working with NACCHO, National Association of County and City Health Officials supporting over 3,000 health departments around the country. His job would be focused on making sure people living with HIV and those at risk received the health care they needed. The job also included securing health care for those with viral hepatitis.

“It’s clearly focused on health equity. It’s a little farther removed from what I was doing in Indiana,” Randy said. However, Randy knew that he wanted to apply and he got the job.

“It’s humbling to be this farm kid from Indiana sitting in meeting in Washington D.C. where major decisions are being made,” Randy said.

“I am able to speak to the needs of local health departments,” Randy said. “It’s good work.”

Securing Employment After 50

Although, Randy admits that there is age discrimination, he credits the ability to get jobs after 50 is how he presents himself.

“I talk about what I do know, but I am open to new leadership and new ideas,” Randy said. “I think that openness helps.”

Randy also said he likes to do informational interviews. “I have to pay my bills, so I address that whether it’s working at LL Bean or whatever, but I also talk to people and say, ‘This is the type of work I want to do. Who in your community is doing this type of work?”

Randy said he does information interviews even before he is looking for a job. “It’s just old social networking,” Randy said. He said he uses LinkedIn and his contacts to find out who he should be talking to. “I really appreciate LinkedIn. I’ve remained connected to a lot of the professionals I’ve worked with in Maine, Indiana, Haiti, South Africa and Botswana,” Randy said.

“It’s not passive. It’s about asking people to talk about their work,” Randy said. “Asking people for a half hour of their time.”

Using this technique, Randy got his job in Ethiopia. “In 2003, I liked my work, but I wanted to do something more. I knew I wanted to do international work,” he said.

“I was taking people to dinner and just doing informational interviewing,” Randy said. “I was saying, ‘This is the kind of work I want to do. What do you think?’”

“Lo and behold someone said, ‘I know someone doing that type of work.’” They connected Randy with someone and he did an informational interview. Even though there was nothing available at that time, the person said they would reach out to him when it was available. “They did and that’s how I ended up in Ethiopia.”

“I believe in that personal connection of meeting people,” Randy said.

Randy has even cold emailed people. He asked the person to talk to him about his organization. Randy said, “I know you don’t have any open positions, but that’s not what I am asking. I am asking for information about the organization. The person was so gracious and was happy to talk to me.” That email led to three other referrals and one eventually led to a job.

Early on in his career, Randy decided rather than look at the job title, he would look at the type of work the position was doing. “That has led me to lots of meaningful work experiences working with lots of wonderful people,” Randy said.

“I’m really grateful at 50 that I did something radically different and new. Living in Ethiopia in 2008 and learning Amharic and learning a different culture rejuvenated me,” Randy said.

“It opened up my world.”

Advice to Others

“People have to make choices and be pragmatic,” Randy said.

He said that many people are trapped because of health insurance. He said it would be great if Medicare age was lowered to 60 so people could explore other options including part-time work or volunteering.

“I really think it’s a shame we don’t institute a GAP year in our 40s,” Randy said. “You get into a track and it’s easy to keep doing the same thing. “It would be nice if people had a year to figure out what they want the rest of their work path to look like.”

He does encourage others to look for other jobs after 50 by finding out about companies they may want to work with and figuring out what makes them happy.

What the Future Holds

Randy is currently working on a five-year plan. In five years, Walter will be able to retire. “We agreed to look where I am financially and health-wise and where he is health-wise and we’ll make a decision,” Randy said.

He said he doesn’t really know what things will look like in five years. “We’ll decide where we are and discern our best decision then,” Randy said. He said he may decide to work another couple of years beyond that depending where he is with his career.

“Eventually, I will be moving home to South Africa,” Randy said.

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

Moving Down the Ocean Hon

“I had the career my fourteen-year-old self always wanted,” said Pete Kerzel, 62. Pete had a long career as a journalist and spent the last 12 years as the managing editor for MASNsports.com, covering the Baltimore Orioles and Washington Nationals.

Welcome to Ocean City! Pete gets the key to his condo.

He was paid to watch baseball games and go down to spring training. He was there the night Cal Ripken Jr. beat the streak and met many of his childhood heroes, including Brooks Robinson. “How many people get to live their dream?“ Pete said.

When Pete began to think of retirement, he still loved his job, but he began to notice a change. “The written word is being minimized,” he said. “And I’m a written word guy.”

He added, “I could see what was coming down the pike. They didn’t want to hire more writers.” He saw a shift away from writing and more toward videos, social media and TikTok.

In addition, the demands of the job began to wear on him. Pete was always on call in case someone signed a contract or a team made a trade or some other story. “I would have to bring my computer with me when I went out to dinner with friends,” Pete said. “It just wasn’t as much fun anymore.”

The real turning point came when Pete met with Chip Herring, his Ameriprise financial advisor, in the Spring of 2020, almost a year after the death of his mother. His advisor said, “Just so you know, you can retire now.” Pete said he remembers thinking “What?!” He was surprised that at the age of 60, spending a lifetime in a profession known for lower salaries, that he was able to retire.

Where to retire was easy. Ocean City, Md., had always held a special place in Pete’s heart. Being in OC evokes memories of spending time “down the ocean” with his parents and friends. “I’ve been coming to Ocean City since I’ve been six years old,” Pete said

He started looking for property in August 2020. At that point, he saw it as a place he would be able to use when he wasn’t working and eventually retire to. By the time he bought in December 2020, he knew that he would be moving there sooner than he thought.

Pete knew exactly what he was looking for and how much he wanted to spend. He said he and his real estate agent, Terry Miler, looked at 40 or 50 condos. He bought right as the market was beginning to tick up with people relocating due to COVID.

He began living down there part-time while he working remotely due to COVID. As he began living in Ocean City for weeks at a time, it became increasingly difficult for him to drive back home over the Bay Bridge to the Western Shore. “Then, when I would reverse that and come to the beach, I would think everything felt right again.”

World Series 2019 with Mark Zuckerman and Byron Kerr in Nationals Park.

In October 2021, Pete spoke to his supervisor to let him know he would be leaving the following April. When he told his boss he was ready to retire, his boss said. “I’m so happy for you.” He knew the toll the 80-hour weeks were taking on Pete.

“The timing was right. I got out on my terms when I wanted to,” Pete said.

On April 20,^,2022 Pete moved to Ocean City, got himself settled, and was able to finish out the month virtually before retiring on April 30, 2022.

Upon retiring, Pete received some advice from a friend. “Don’t do anything for six months.” Pete took that advice to heart. His six months was up the Thursday after we spoke.

Life Down the Ocean

But Pete didn’t exactly spend all his time sitting in his condo reading, although he did that, too. He began writing for the Delmarva Shorebirds game program. “I put the ‘free’ in freelance, “ Pete said – and he couldn’t be happier. He’s already looking forward to next season.

2022 Delmarva Shorebirds game with Bob Stine.

He also did two important things that any senior who retires to OC should do: get a pass to Assateague Island National Seashore and get a OC bus pass.

The lifetime senior pass to Assateague Island costs $85. With that pass, Pete can go to the Island to watch the ponies or just enjoy the beach whenever he wants. He can also take a friend for free.

The senior bus pass gives free bus rides to people over 60 and free tram rides before 4 p.m. After 4 p.m., Pete gets a dollar off tram rides “They aren’t making any money on me,” he said.

Pete loves to ride the tram. ”The smell of the caramel popcorn or the sound of a kid squealing in the arcade because he won a prize can take me back 50 years.”

Pete also thinks of his friend, Barry Diffendal, when he rides the tram. Barry passed away suddenly in 2012 after only one year in retirement. Barry and Pete often joked about retiring to OC and Barry would say, “You drive the tram and I’ll be the conductor in the back.”

Transitioning into Retirement

Pete said it took a good 6 to 8 weeks for him to get used to being retired. “It was a huge thing to get used to. I can go shopping when I want to go shopping. I don’t have to wedge it in,” he said.

“I hadn’t had a normal day in years,” Pete said. In his previous life, he had an erratic sleep schedule as he was required to work whenever the teams were playing. If there was a West Coast game, Pete would often have to stay up until 2 or 3 a.m. after the game finished so he could edit online stories.

Now, his time is his own and he is enjoying shopping when he wants, reading by the pool (during the summer time) and walking along the beach and boardwalk. He is also able to watch baseball for the sheer enjoyment of it and can turn off a game if it gets boring or goes into a rain delay.

Socializing with Friends

The other thing that Pete is enjoying is being able to spend time with his friends, “I got a two-bedroom condo so friends could come for a visit,” he said.

Some of his friends even live in OC either full-time or part-time.

Two his friends moved down there a year before he did. “They were a great resource,” he said. Not only does he spend time with them, but they have also introduced him to their friends.

One thing Pete enjoys is going with his friends, Greg and Cindy Cannizaro, to the Elks Club on Thursday nights for the fried chicken finner. Pete said it’s a great deal at just $12.

“Also, I can buy a round drinks for the table for just $6,” he added.

For Pete, retirement has been about seizing opportunities.

He said he loves being available for last minute events. Whether it’s seeing John Fogarty in Selbyville or watching the air show practice from a pontoon boat, Pete is ready for fun.

He is one of the few year-rounders in his community. This winter will be his full winter in OC. “I predict at some time this winter I’m going to bored out of my gourd,” he said. However, there are many things to do even off season and Pete knows many people there.

“I forgot that it was possible to be spontaneous,” Pete said. “It’s been a very long time since I’ve been in an position where I can choose when to do things and it’s been fun.”

Tourist Season

For some people the tourist season from May to September/October could be a deterrent from moving down to OC, but Pete takes it all in stride.

“I love the water. I love the salt air,” Pete said. “So, you have to punt June, July and August for April, May, September and October. Sure, the summer months can be crazy, but it’s really fun to see the town so energized.”

There about 7,500 to 8,000 year-round residents in Ocean City. In the summer time, the population swells.

He said, “I enjoyed this spring watching the town gear up and get ready for the invasion of the summer people. It was a kick.”

Of course, he has had to make some concessions during tourist season, like doing his grocery shopping during the week. “You don’t want to go to the grocery store Friday, Saturday, Sunday or Monday.”

Also, there are also some restaurants that he doesn’t go to during season because there just too many people in town and the prices are higher.

But he said OC has changed a lot over the years. “’It’s more of a year-round thing now,” Of course, some places do close, but others offer dinner specials and happy hours to get customers in the door. His favorite pizza place, Pino’s, is closed for the season, but he waits in patient anticipation for it to reopen in May.

Luckily, Happy Jack Pancake House, which Pete calls his second home, is year-round, though only on the weekends in the offseason.

Making Finances Work

Pete was able to retire early because he made savings a priority. He’ll have a small pension from MedStar Health, where he worked in public/media relations for almost a decade, but he’s contributed to 401k plans through other employers and socked away money in his Ameriprise accounts.

When his mother passed away in 2019, he took the proceeds from the sale of his mother’s house plus some other inheritance, and put it into an annuity. He will tap that when he turns 65. For now, he is paying himself a salary out of his savings and will be collecting social security and his pension. This allows him to live the way he wants to live.

He gets his medical insurance through the Affordable Care Act. He said that the insurance is good, but the bureaucracy has been frustrating at times.

Final Words of Advice

“I don’t miss 80-hour weeks. I don’t miss waiting for my expense check,” Pete said. “That stuff, let somebody else do it. I’m so happy to not be dealing with it now.”

For Pete, retirement is a new beginning. “I look at this chapter as a blank slate,” he said.

He remembers a few days after he moved down and settled in thinking, “What do I do now?”

Then he said, a little apparition appeared over his head and said, “You can do whatever you want.”

What Pete wants to do is carve out time for himself and just appreciate his time in Ocean City. His condo backs up to a bayfront marsh and one of his favorite things to do is sit on his screened deck and watch the wildlife including herons, otters and foxes.

“I get these incredible sunsets and it’s as though someone painted the sky,” Pete said.

He is not sure what he is going to do now that his six months are up. He might volunteer or get a part-time job. He is leaving the door open to new opportunities.

Before he moved to he said, “I thought: What’s the worst thing that could happen? If I don’t like it here, I can move back to Baltimore, But I don’t think that’s going to happen. This is home now.”

If you know someone who you would think would make a good subject for my blog, email me at karensparis15@gmail.com.

Becoming a Pickleball Person

It’s time to hit the courts for Pickleball. Are you game?

Alright, admit it. You knew at some point I would do a blog about pickleball. As I told my husband “All the cool kids are doing it!”

Although apparently it’s not just the cool kids over 50. Did you know there was now a professional Pickle Ball League? No kidding! Some of the biggest names in sports are buying professional pickleball teams. Tom Brady and Kim Clijsters (tennis) both own teams.

With all the hubbub, I had to find out what it was all about.

I have never been very sports-oriented. I was a cheerleader in high school and a personal trainer in my 40s, but I have never really played sports, so I decided to take lessons.

My husband, always supportive, agreed to take them with me. He is an athlete, but more as a runner and cyclist, so I felt we were pretty even.

We decided to take lessons at the Dancel YMCA in Howard County. I know there are many places to play and take lessons, but I was already a member so it seemed like a good choice.

If you’re not familiar with pickleball it is a cross between tennis and ping pong. It can be played on a tennis court, but there are different lines and boundaries. Our lines are purple. Not sure if they are purple everywhere, but wouldn’t you think they’d be green.

The racquets are a lot like ping pong paddles except a little longer and narrower.

For me the real difference is the balls. The balls are fluorescent and are just like the whiffle balls we grew up with. You would think they wouldn’t bounce very well, but they do. They also hurt when you get hit with them.

At the Y, the instructor loaned us racquets. I took the one with a dragon on it. I thought I could channel the fire of the dragon into my hit.

We also received a basket of big whiffle balls. They were the only types of balls I could ever hit with a bat, so I was already familiar with them.

It seems as though it would be the perfect “couple” sport. There are usually two people on a team and they work in tandem to prevent the other team from scoring. However, we heard that sometimes it’s not a great idea for couples to be on the same team. It can cause arguments. I think it might cause more issues if they were on opposing teams. We’re not there yet.

Our pickleball coach said the first rule was to “stay out of the kitchen.” Hey, that worked for me. They told me that the first day of Weight Watchers too.

The kitchen is the front court essentially and you aren’t supposed to hang out there. You can put one foot in, but then you taken one foot out. You put one foot in, but no shaking it all about like the Hokey-Pokey.

When you are up by the kitchen, you are dinking. (I really couldn’t make this stuff up.) Dinking is when you hit the ball softly over the net. Even the professionals dink. All pickleball players dink at some point.

Dinking did not really seem to be in my nature. I was more a slamming and lobbing kind of player, which has its place in pickleball.

Once we were done dinking, we rallied and volleyed. That means we ran around the court trying to hit the ball. Finally, we were ready to play a game, but not until lesson two.

Even before our lesson was over, the gym started to fill with pickleball players. The began lining up on the beach behind the courts. Apparently, you get in line and when you get to the head of the line it’s your turn to play.

Score keeping is pretty easy. You score on your serve. Just like tennis, the ball has to land in a specific section in order to be considered good. Unlike tennis, you serve underhand. There are none of those fabulous shots of a player arching back to hit the ball like there are in tennis. It’s more like a softball pitch.

Each player gets to serve before the serve is returned to the other team. Easy peasy. Not.

You only play to 11 unless a lot of people are waiting to play then it’s 9. And there are always a lot of people waiting to playing.

I had a great revelation after my first lesson. Pickleball really is fun and despite it’s silly name, it’s a serious workout. My heart rate got up and the next day muscles I hadn’t heard from in years were speaking my name.

During our second lesson, I got a sage piece of advice. “Don’t keep extra balls in your pocket. If you fall down and land on them, they hurt.” How did she know I fall down a lot? I think it’s more likely they would serve as a cushion when, not if, I fall.

During my third lessons, we had newbies on the court. You know, the ones who hadn’t had two whole lessons like I had. I was patient with them.

After my third lesson, I decided to take the plunge a buy a racquet. In the past, I had bought equipment that I had never touched again and later sold at yard sales for a tenth of the price. I don’t think that’s going to happen with my pickleball paddles.

I don’t think a professional pickleball career is in my future. I mean I am retired. I don’t want to have to start traveling the country to play in tournaments, but I do have my eye on a prize.

At the YMCA they have tournaments and I am already visualizing myself winning the grand prize. — A jar of pickles.

I love to tell people’s stories. If you know someone over 50 who has made a major life change, send me an email karensparis15@gmail.com. I would love to interview them.

Birds of a Feather

Kelly and Mike Strzelecki think that retirement is for the birds. Find out how they are enjoying their passion for nature after retirement.

Mike (59) and Kelly (58) Strzelecki retired from the federal government on March 31, 2021. It was the culmination of a plan that began more than 30 years ago when they met on the MARC train commuting to Washington D.C.

Mike worked for the Federal Energy Regulatory Commission and Kelly worked for the USDA Foreign Agricultural Service. By working for the federal government, they knew could retire with a pension and health insurance when they turned 56 years old and had 30 years of service. So, they decided to leave when they were both eligible.

Mike and Kelly had long been outside enthusiasts, but the long commute between Baltimore and Washington made it challenging to find time to pursue all their varied interests. “In D.C., I think retirement is more dictated by the commute than the job. People get tired of the commute,” Mike said.

In addition to the commute, Mike had personal experience about missed opportunities in retirement. His father passed away when he was 56. “My dad had big plans in retirement and then he passed away and he couldn’t do them,” Mike said. “We thought, we can’t do that.”

With their plan in place, Mike and Kelly knew they could retire early and spend even more time doing what they love—being out in nature.

“Every morning I get up a pack a backpack,” Mike said. What’s in the backpack depends on the plans for the day. Plans might include a simple walk, a hike, kayaking or fly-fishing. They have also recently taken up disc golf, which they play at McKeldin Park as well as other local areas.

However, their favorite outside activity is birding.

Birding is different from birdwatching in the “birders” actually go out looking for specific birds. They do their research and observe the bird’s behaviors and migratory patterns. “It’s about immersing yourself in the lifestyle of the bird,” Mike said.

“There’s more intention to it than birdwatching,” Kelly said.

Extensive travelers, many of their trips revolve around birding. Their next trip is to Bombay Hook in Delaware. “It’s a good birding spot,” Mike said. There are all different types of raptors, hawks and eagles, avocets and shorebirds.

Closer to home, Patapsco State Park, Mike and Kelly found a nest with two baby owls. They were able to find the nest because of their familiarity with bird calls. “We could hear the babies crying for their mom,” Kelly said.

Being retired, Mike and Kelly were able to visit the site and record the owls’ progression every day over the course of 10 days. “Part of the beauty of retirement is the owl thing. It gives us time during the week when no one is around to actually observed them,” Mike said. “We can take our time to focus on things,” Mike said. “If we were still working, we never would have been able to do that,” Mike said.

As part of their passion for birding, Mike has started taking pictures. He purchased a new camera, NIKON Cool Pic, as part of his retirement gift. He takes close up, detailed shots of the birds they see. He captured pictures of the baby owls as well as pictures of puffins they saw during their recent trip to Iceland.

Enjoying Everyday Life

Mike and Kelly are enjoying their new lifestyle. “Every day I got up at 4:40. Not getting up at 4:40 is heavenly,” Mike said. Although for Mike, sleeping in is 6:30 or 7:00 a.m.

Kelly also loves sleeping in, but wakes up about 9:00 a.m. now that she’s retired. They enjoy leisurely time in the morning and have even trained their dog Trek to go get the newspaper so they can relax.

“You have time to enjoy things rather than just trying to fit them in,” Mike said. “I’m getting back to doing things I had a passion for, but I haven’t had the time for.” For Mike that includes fly-fishing and writing.

For Kelly, formerly an agricultural economist, she has picked up an additional hobby of raising monarch butterflies.

Kelly has been raising butterflies with mixed success. “You raise them by finding them as caterpillars and putting them in box with fresh milkweed,” Kelly said. It can be particularly challenging because you have to keep changing the milkweed in the box. She said that although she has had some success, she is afraid some of the milkweed had become contaminated with pesticides causing some of her monarchs to die. Still, she is enjoying the process and has even convinced some of her friends to raise their own monarchs.

“In October, 10s of thousands of monarch butterflies congregate in Cape May, New Jersey and then they migrate en mass,” Mike said. Mike and Kelly have a trip planned to watch the migration.

Kelly has also been busy in moving her mother from New Mexico to a local Senior Living Community. She said she isn’t sure how she would have handled the move if she had been working full-time.

Kelly is also involved with volunteer work through the Catonsville Women’s Giving Circle and says she plans to get involved with other groups and pursue additional volunteer opportunities.

Putting Their Financial House in Order

Before retiring, Mike and Kelly made sure they had finances in place. In addition to ensuring that they were both eligible to receive a pension, they paid off their mortgage and put their two children through college. “We’d done the major financial things, so we thought we should be ok,” Kelly said.

They had also spent their married life putting money away in investments and watching their spending. “We’ve lived a very modest lifestyle,” Mike said.

He told a story about an experiment people do with children, where they tell children they can have one marshmallow now, but if they wait, they can have two marshmallows. “We are two marshmallow people, “Mike said.

He added they have deferred some of their enjoyment so they can have more fun now. “It’s the life decisions you make along the way,” Mike said.

Advice to Others

“The transition to retirement is going to be harder for someone who is defined by their job,” Mike said. He was not defined by his job, but he knows others who are. His advice is that if you’re thinking about retiring, start getting involved with activities and other social groups before you retire.

Kelly’s advice, “Start young and make a plan. That makes it possible. Otherwise, you’re just playing catch up the whole time.” They have already given their children this same advice.

Future Plans

For now, Mike and Kelly are looking forward to enjoying the Fall and Winter months.

“It’s so nice that the kids have gone back to school so we don’t have to share the park with them,” Kelly says with a laugh. “Now it’s ours again.”

January through March is a great time to go birding and they spend more time doing that as other options such as kayaking are less available.

They also have so trips planned. They are headed to the Outer Banks, the Finger Lakes and even New York. Plus, they have birding trips planned as well.

“We call our house base camp. Living here is so convenient. We’re 3-hours from cities, beaches mountains that we can do as a day trip,” Mike said.

Kelly and Mike love having time to slow down and spend time doing things together even if it’s as simple as having a cup of tea or reading a book.

”I love getting back to things I have a passion for, but didn’t have time for. A lot of people have a lot of things they could enjoy in retirement, if they could just relax and slow down,” Mike said.

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

The Big Clean Out

Starting the big clean up has been a challenge. Who knew getting rid of 25 years of stuff wouldn’t be easy?

One of my goals in retirement has been to start the big clean out. That’s what everyone says you need to do when you retire.

Of course, I could have started during all those months in isolation during the pandemic, but instead my husband and I built shelves during that time so although there was not less stuff, at least it looked as though there was less stuff.

But as the philosopher says, “The longest journey begins with a single step.” Or something along those lines. So, I started the big clean out with a few little clean outs. At this point, the basement is still a little too much for me to tackle.

I decided to start with a few junk drawers. It was interesting to see how many drawers had been designated as junk drawers. And what had been designated as junk.

The greatest revelation has been how many pairs of scissors we own – 10. What is most surprising is that when we need them, we can never find them. Maybe that’s how we ended up with so many. I don’t know what the perfect number of scissors is, but I’m going to going to say that it is less than 10.

We also seem to have a need to measure things. (Keep it clean people.) We have multiple rulers, tape measures and large tape measurers for measuring rooms. I don’t have the final count, but it’s definitely in the double digits.

But we have no yard sticks. Do people even use yardsticks anymore? Since I think most people only used them to spank their children, they probably don’t sell them anymore. Let me know if you own one.

The tool boxes (yes plural) have been a revelation as well! Four hammers, screwdrivers and wrenches that I’m afraid to count and two levels. And of course, we saved every allen wrench from every piece of IKEA furniture that we have purchased during our 36 years of marriage. I may have to take up welding and create some sort of allen wrench monument to use them all.

I am very confused by finding so much stuff in my house. I have always considered myself organized and when my staff took me out to celebrate my retirement, they commented, multiple times, on my propensity to clean and organize. So, what happened? How did all these things get into my house and what do I do with them now that they are here?

If I were able to throw them out, I would have, but it seems so wasteful. Is there a place to donate these things?

I feel as though I am failing retirement 101 and I haven’t even gotten to the hard part. Calgon take me away!

Starting the Next Phase

I am currently working on my closet and have to restrain myself from throwing away all my work clothes. I really think I should keep a few just in case.

Another problem with my closet is finding things that are no longer “useful” but hold such great memories. For example, I heard bell bottom jeans are making a comeback and I’m sure after a few weeks on Weight Watchers I will fit into them again. Right?

I’m not making head away.

I think cleaning out my husband’s closet would help me clean out my closet. He doesn’t agree.

So far, I have emptied one tub. I guess I shouldn’t mention I emptied it by taking books out of it and putting them back on the bookshelf. Still, it felt good to see an empty tub.

Maybe an electronic cleanup of our computers would be easier.

I hope to have an update in October that I have successfully completed Stage 1 of the big clean out. At this point, I am gathering these items in my daughter’s old room until I figure out what to do next. Pretty soon, I’m going to need another room since my husband has prohibited anything else going in the basement.

All advice appreciated!

If you have any ideas for my blog, please email me at ksparis15@gmail.com

Managing the Move to Myrtle Beach

Carol used her project management skills to plan the perfect retirement for herself and her husband Mike.

“Retirement is the best decision I ever made!” said Carol Opalski Hewitt.

In April of this year, Carol retired from her job as a Project Manager at T. Rowe Price and she and her husband Mike Hewitt moved down to the Del Webb community in Myrtle Beach, South Carolina.

Carol was only 59 and four months when she retired from T. Rowe Price but she knew it was the perfect time to leave. In March, she finished up 2 ½ year project. “I knew it was my swan song. I just couldn’t continue work 60 hours a week anymore,” Carol said.

But Carol and Mike had been thinking about retirement for a while. Seven years ago, while vacationing in Myrtle Beach, they decided that it was the perfect place for their forever home. It had everything they wanted. Sun. Beaches. The ocean. Warm weather. Low taxes. Close proximity to an airport.

Since Carol’s children and mother still live in Baltimore, it was important that there was a quick and convenient way for them to get back home. Super convenient, economical flights from Myrtle Beach to Baltimore made it the perfect location.

About three years ago, it was time to figure out how to make early retirement possible. Mike had left the workforce in 2001 to take care of their children, so many of the decisions were based on Carol’s income.

They met with a financial adviser at T. Rowe Price who helped guide them through the planning process. “The homework came back to me. How much do we need to retire?” Carol said. Carol emphasizes need rather than want. They needed to consider insurance, health insurance, long-term care insurance and other necessities. But they also considered their wants such as travel, new furniture, a golf cart and other entertainment. The fun stuff. Luckily, Carol and Mike were on the same page when it came to retirement goals.

“You work all your life. You want to enjoy your quality of life while you can,” Carol said.

Finding the Right Community

Then they had to decide where in Myrtle Beach they wanted to live. They looked at three different communities long before they were going to retire. In addition to Del Webb, they considered Waterford Plantation and Berkshire Forest. But ultimately, they decided on Del Webb because it was an active over 55 adult community. “You can be as busy as you want to,” Carol said.

At Del Webb, there are two different builders you can chose from to construct your home. Carol and Mike were able to choose from five different models. “From down payment to settlement was six months,” Carol said. The community has an active calendar of events, pool, concerts and many different groups and activities.

Since moving there, Carol, always an avid tennis player, has taken up pickle ball and plays 5 mornings a week. Her days are now busier than they when she was working.

They have developed a group of about 12 couples who they spend time with going to concerts, hanging out at the pool and going to dinner together.

In addition, Carol does volunteer work like helping out at community concerts.

When her sister said she was worried about Carol staying busy, her response was, “Don’t worry, I am.”

Getting Ready for the Move

After deciding where they were going to move, it was time to make a plan. “Plan the work and work the plan,” Carol said.

As a project manager, Carol backed into her dates. She knew when they were moving and then decided when each step needed to happen.

The first step was to start to cleaning out. It took about eight months. “We were fairly aggressive,” Carol said.

“You need to decide what do you will need in your new life.” Things like her china and vintage martini glasses were some of the things that weren’t going to make the move.

Instead, they sold or donated many of the items. “Catonsville Marketplace and Catonsville Yard Sale are great,” Carol said.

Her advice. “Down size. Down size. Down size.”

In addition, Carol and Mike have two children and their stuff was in their house. Their daughter had already moved out and bought a house, but didn’t take everything with her. Carol and Mike drove her things over to her house and left them there!

Their son was still unsure as to whether or not to make the move with them, but after deciding to stay in Baltimore, he moved out in about three days and took all of his stuff with him. Phase one completed.

Selling Their Home

Next, they needed to sell their home. Because of the hot real estate market earlier this year, Carol and Mike decided put their house on the market on December 26^thand sell it themselves. It sold within 4 days. Then they negotiated with the buyers so that they could stay in the house until they were ready to move to South Carolina. “I put the plan in motion and everything fell in line,” Carol said.

Before listing the house, Carol researched other listings and picked and chose key words to get their listing noticed.

They made the decision to not make a lot of upgrades or repaint their home because the next buyer would probably want to make their own design decision. It worked out for them.

Selling their house quickly and for a good profit was key to their retirement plan. “It helped that our house had appreciated so much,” Carol said.

Deciding What to Move

Next, they decided on what they wanted to move. Even though Carol was committed to getting rid of the clutter, there were some things that she decided were worth moving. “It’s important to look at things with a different eye,” Carol said. For example, they decided to move their brown bedroom furniture.

However, once they moved down south, Carol used her newly acquired chalk painting skills to paint it grey and white so it looks beachier. In fact, she has become so good at chalk painting that she has been helping some her friends with their projects as well.

Life In South Carolina

“The best part about being retired is doing what I want to do, when I want to do it,” Carol said.

She doesn’t miss routine of work because she has a new routine. She is on the pickle ball court bright and early at 8 a.m. 5 days a week.

In addition, each week, they review the calendar of events and decide what they are going to do. Of course, errands still need to be done. Wednesday is food shopping day because seniors get 5 percent off. “I take Mike with me because I’m not a senior yet,” Carol said.

They’ve had no problem adjusting to spending more time together. “I think COVID helped with the transition,” Carol said. But they are not spending that much additional time together. Mike doesn’t play pickle ball, instead he walks the dog. At the pool, she hangs out with the girls and he hangs out with the guys.

Carol said she likes having friends around who are of similar age and similar interests. The only bad part about their new friends is that many of them are Steelers fans. Go Ravens!

Finances and Paperwork

Even now that they are retired, Carol and Mike still consider expenses and do paperwork.

“Your expenses will be higher your first few months after retirement,” Carol said. For them, they wanted to buy new things for the house and try new restaurants. However, after a few months of being retired, she sees those expenses are starting to normalize.

Except health insurance. Health insurance is their biggest expense.

At this point Carol is on COBRA and will stay on that for the next 18 months. “It’s very expensive because our son is still on our plan,” Carol said. After the 18 months, she will have to go on the open market or pick up the insurance through T. Rowe. Still, they knew health insurance would continue to be a big expense and they planned for it.

The one down side to retirement so far has been paperwork. Carol has been inundated with paperwork. The biggest challenge was working with the Maryland Motor Vehicle Administration to get their car registrations changed.

But there is also quite a bit of insurance paperwork. It’s not only the paperwork that is a challenge, it’s also finding new doctors. “It’s difficult to find doctors down here that are accepting new patients,” Carol said. Right now, she and Mike are flying back to Baltimore for their doctor’s appointments while they wait to get doctor’s appointments booked out in the future in South Carolina.

But with round trip ticket to Baltimore under a $100, it’s working for now. However, Carol doesn’t want to go back to Baltimore too often. “There’s so much going on here, I don’t want to miss anything,” she said.

Final Advice

Carol and Mike are loving their new life in South Carolina. They are meeting new people, starting new hobbies and keeping busy. Still, sometimes Carol likes some down time.

“This morning I was getting ready to head out to pickle ball at 8 when it starts raining and the texts start flying. ‘Are we going? Are we not going?’” The decision was no pickle ball that day. “So, it was nice to have a second cup of coffee and get some things done around the house,” Carol said. Retirement is everything they thought it would be…and more.

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

Living Her Best Life

Tara Ebersole has been making the most of her retirement. She believes learning and growing is the key to growing older gracefully.

If you look up Renaissance Women in a dictionary, Tara Ebersole’s picture should be there. She had a successful career as a biology professor and STEM director at the Community College of Baltimore County (CCBC). She is also a musician, artist, wife, mother and grandmother, and is now adding author to her resume.

One of the reasons that Tara is so active is she realizes just how lucky she is to be here. At the age of 47, Tara was exercising on her mini-trampoline when she felt extreme pain in her head. “If you had told me I had been shot in the head, I would have believed it,” Tara said. “The pain was so severe that I collapsed.”

Her 11-year-old son found her and with the help of his sisters, called 911. Tara was rushed to the hospital and diagnosed with a ruptured aneurism. At first, the doctors couldn’t find the location of the bleed. She remembered the doctor telling her, “We can make you comfortable, but we can’t guarantee you’re going to wake up in the morning.

But she did wake up the next day and made it through a slow and difficult recovery. “I came out with the idea that I had to prove that my brain is ok,” Tara said.

Life After Her Illness

She approached life with a renewed enthusiasm. In addition to continuing her role teaching at CCBC, she began working on her PhD and added the duties of STEM (Science, Technology, Engineering and Math) director to her already busy schedule.

As part of her STEM work, she started a non-profit to increase the number of women and minorities in STEM. The non-profit was so successful that after five years, she disbanded it. Together with a team from BCPS, multiple professors and local colleges, the number of minorities in CCBC STEM classes increased by 50 percent and the number of women by 50 percent. This was all while continuing in her role as wife to Eric and mother to her three children.

It was during this time that she and her sister also began to discuss creating a children’s book series, Little Honey’s Little Adventures. Her sister, Rachel Louise Eisenhauer would write the adventures, based on their own childhood adventures, and Tara would illustrate them.

Although Tara had started in college as an arts major, she had not created much art work in a very long time. In addition, Tara was classically trained in oils and her art was very realistic, she knew that wasn’t the right style for the series.

But Tara was up for the challenge. She refreshed her skills and began creating watercolor illustrations based on her sister’s writing. They now have a series of eight books which they sell through their website and at craft fairs. “It has been an amazing joy,” Tara said of working on this series with her sister.

Retirement from CCBC

In 2016, at the age of 61, Tara retired from her position at the CCBC after 35 years. “I was just ready for a change,” she said. But Tara was not content to relax in retirement. Instead, she took on the role as the Chair of the Baltimore County Democratic Party. Tara said she has always believed in public service and wanted to help facilitate change and make a difference. It became a full-time job. Her husband Eric Ebersole is also very involved in politics and serves in the Maryland House of Delegates.

Tara worked as the Chair for four years while still continuing to collaborate with her sister on the “Little Honey’s Little Adventure series.” She also continued with her other passion, music. Tara has played the drums in a number of bands through the years and is currently with Blues State, a band that plays at local events about six times a year.

Those who have seen Tara play know that she has a unique technique, she plays barefoot. “It’s easier for me to feel the rhythm of the music if I’m barefoot,” she explained.

However, Tara knew she was doing too much. After a minor car accident on the way to a gig, Tara realized that something had to give. She was working 40 hours a week as the Chair and practicing with the band every other week. “I was over the top with stress,” Tara said. Needing a change, she left her role as the Chair and took a hiatus from the band.

During this time, two things happened, COVID and grandchildren. Being quarantined at home, Tara learned the benefits of a slower lifestyle. She was meditating and taking the time in the morning to relax and have a cup of tea.

She also began helping take care of her grandchildren. When her daughters went back to work, they weren’t comfortable putting the kids in daycare, so Tara stepped in.

In 2021, with life beginning to return to normal, Tara started thinking about what she wanted to do next. She had learned the value of leading a less stressful life and wanted to continue her meditation and practicing yoga twice a week.

“I feel like I have just retired this year,” Tara said. “I’m beginning to find things that I want to do. It took me six years to realize this is my time. I have time to focus on me a little more”

Beginning a New Chapter

Tara had always thought about writing her own novel. She wanted to try her hand at adult fiction. Previously, all of Tara’s writing had been academic articles and her dissertation. That writing relied on fact, no emotion and no adjectives.

So, she began the process by taking an online writing class through CCBC and began reading books on writing. Her class, which she highly recommends, introduced her to an online community and helped inspire her to begin writing.

“Now it’s my turn to do some writing. I’m loving the process,” Tara said. Tara already knew the subject she wanted to tackle, corporal punishment. She had worked in the East Tennessee school system when she was first out of college where paddling was allowed. “I had some paddling stories to begin with and at no point did any of the paddling stories lead to better discipline,” Tara said. Although the book is fiction, she draws from some of her own experiences at that time. She says that writing the book has been cathartic as she deals with her role administering corporal punishment in the school system.

The working title of the book is, “A Broken Bit of Spirit.” Her goal is to bring a social issue to the discussion level. Corporal punishment is still allowed in 19 states. “I want readers to end the book thinking,” Tara said.

Tara has also started teaching classes for the CCBC SAIL (Senior Adventures in Learning) program. Tara started a class called Drums Alive. It is a program that uses large exercise balls and drumming techniques as a fitness class for people over 60. “I think that teaching drums to Seniors is the best thing for them because it is so low impact and yet it’s aerobic and it’s fun,” Tara said.

But Tara is only going to teach two sections of the class. At 67, she has learned the importance of life balance. “This is a brand new me and I’m experimenting,” Tara said.

Her Role Model

Tara was fortunate to have a role model for growing older gracefully. Her brother’s mother-in-law, Dominque, lives in Paris. At 92, she was still teaching gymnastics to seniors two days a week. “The seniors she taught became her friends. It really improved her social life,” Tara said. Dominque just retired at 94.

Tara said Dominque helped her realize how important it is to maintain and develop relationships as we age. That’s another reason Tara wants to teach the drumming classes, to make new social connections. “Interaction keeps you young. Exercise keeps you young. Independence keeps you young. Creativity keeps you young,” Tara said.

Growing Older

“Aging is a process we are not prepared for,” Tara said. “There’s a lot of loss along the way and there’s not a lot of preparation.”

“In fourth or fifth grade, we see a film to prepare us for becoming women. There’s not even a film to prepare us for getting older,” Tara said. Creating a class to help people with the aging process is next on her agenda.

“It’s a tough transition,” Tara said. She thinks there should be a greater acknowledgement about how difficult it can be. “It’s a massive transition in status from the phone beeping non-stop to that not happening anymore.”

“It’s not easy to make the transition and that’s ok.”

Life Is Great

Her advice to retirees, “The key to aging is just to continue to grow.”

Although she is dealing with some health issues including thyroid issues and metabolic syndrome, she has been able to control these issues through diet, exercise and medication. “My health is better today than it was in 2016,” Tara said.

She takes time every day to de-stress and meditate and appreciate her life. “Whenever I go into my yoga position of gratitude, I am always thankful for my family. We have four wonderful grandchildren and three wonderful children.”

Tara’s favorite part of the day? “One of my very favorite things about being retired is that I can get up and fix myself a cup of tea, sit in a chair and drink it as slowly as I want to. I never grow tired of that.”

For more information about the Little Honey Adventure series, go to: https://www.littlehoneyslittleadventures.com/

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

Costco Through A Retiree’s Eyes

Embracing my retirement, I decided to take a trip to Costco with my husband Scott. Little did I know the adventure that awaited.

I must confess that I have been to Costco before. In February 2020, my husband, Scott, and I decided it was time to join a warehouse store. It turned out to be perfect timing. While others were experiencing a toilet paper shortage, we had bought so much on our first trip that we were even had a few extra rolls to share with our less fortunate neighbors when the pandemic hit.

Since then, I have only been to Costco a handful of times. When my husband retired, he took on the responsibility of grocery shopping. But now that I too am retired, I decided it was time to join him.

I could tell that we had different approaches right from the start. Scott said he wanted to start with a $1.59 hot dog from the concession stand so that he wouldn’t be tempted to over shop. I thought it sounded like a reasonable strategy, but I really don’t like hot dogs.

So, I went to grab a cart. Scott said we did that after the hot dog. I already had the cart in my hands and said. “That’s ok, I’ll get it.” The problem occur when I realized that the cart and I were on one side of the registers and the hot dogs were on the other side.

Scott gave me an “I told you so” look. I smiled and suggested that he get his hot dog and I browse since I hadn’t been there in such a long time. The look he gave me then could best be described as slightly fearful, but the hot dog was calling his name.

So, I wandered. For those who have never been to a Costco, it is truly an amazing place. Of course, I had seen the TVs before as I entered, but there were also mattresses, dining room tables, kayaks, lighting…really anything you can think of. I was mesmerized.

Next was the bakery, meats, cheeses and the first sample station. There was a young (well maybe not young), pleasant (well not unpleasant) woman giving out samples of tortellini. At Weight Watchers, they tell you to stay away from samples like this because the calories add up. But I truly felt I needed to indulge in order to actually embrace the entire experience. The tortellini was creamy and delicious.

Suddenly, my husband was next to me. I guess the hot dog needed some company, because he was also gnashing on some tortellini.

Then he looked at my cart. Apparently, on my journey through the store several items had jumped into the cart of their own volition. “I’ll go find the things that are actually on our list,” he said and picked up another tortellini.

I was somewhat surprised he trusted me to continue on my own. Instead of continuing to shop, I decided to follow the lead of a spry 70-year-old who was moving from tasting station to tasting station gathering his lunch. I could have done without the kombucha. It was like a fruit vinegar, but overall it was yummy and I wondered why my husband needed a hot dog with all this other yummy food around.

I caught up with my husband in the snack section. He had his phone out calling me. Apparently, he thought I was lost. I knew where I was. I was sampling cashews.

The best part about being retired is going to Costco during the week when no one else is around. Check out took no time at all.

But being retired, I had to hit the restrooms before we left. When I came out, my husband said he also needed to use the restroom. So I found a place to sit down and I waited.

“Is your membership on automatic renewal?” I heard someone say. I looked up and she. was talking to me. “Is your membership on automatic renewal?” she asked again.

“I’m not sure,” I said.

She took my receipt and said, “I can tell by your receipt.”

I wasn’t sure what this was all about being as unfamiliar as I am with the inner workings of Costco.

“Yes, it is,” she declared. “You get a free case of water.”

“Really,” I said. She put a sticker on it and motioned for me to pick up the 40 bottle case. Luckily, I workout.

Just then, my husband came running towards me. “What’s this? We don’t need any water,” he said. I felt like grandma being talked out of signing up for a timeshare.

The woman turned to him. “It’s free.”

“It’s free,” I said joyfully.

He still didn’t seem convinced, but I think the whole experience of having me along was more than he could handle and he just wanted to go home.

But I’m not sure why people think they save money going to Costco, I was surprised at how high our bill was.

Still, I got free water, free lunch and racked up a few thousand steps on my Fitbit. It was a win-win for me.

Since that trip, my Costco card seems to have disappeared and there have been no other invitations forthcoming to join him. Still, I think another trip is in my future. I hear that’s where all the cool retirees hang out.

If you have an idea for a blog subject, please email me at ksparis15@gmail.com

Cycling Towards The Future

Dave was ready for a change. He made a decision to change his career which changed his life.

Even before the pandemic hit, Dave Stock knew it was time to change professions. He had been in the printing industry for almost 40 years and everything seemed routine. “It was like playing the same record over and over and over again,” Dave said.

Dave had seen a decline in the printing business over the past five years. More and more people were relying on digital rather than print. Then COVID hit. For a business that relied heavily on printed invitations, programs and other items for in-person events, COVID was devastating. “Printing is never going to go away, but it’s certainly not where it used to be,” Dave said.

“I felt like I was banging my head against the wall. I just didn’t have the same happiness,” Dave said.

However, printing was not Dave’s only job. Six years ago, Dave had taken on a part-time job at his neighborhood bike store, Race Pace. He and his wife, Madeline, had made cycling part of their daily life preferring to run their errands around Baltimore City on their bikes. He spent time at the store getting his bike serviced and buying accessories. When he saw they were hiring, he put in an application and was hired. At first, there wasn’t a position at Race Pace in Federal Hill, so he worked at the one in Ellicott City until a position closer to his home became available. That was about six months later.

While COVID hit the printing business hard, cycling experienced a resurgence. More people wanted to get outside and get exercise while confined during COVID. The bike store saw a huge increase in business and Dave was offered more hours.

In January 2022, Race Pace was bought out by Trek. During this transition, some executives from Trek visited the store and asked Dave if he would be interested in a full-time position “They said, have you ever thought about coming on board full-time. Let’s have a conversation,” Dave said. “We had the conversation and they gave me an opportunity.”

“I was on a sinking ship and saw a life raft and I took it,” Dave said.

But his decision wasn’t final until he discussed it with Madeline. They went away on vacation to discuss the move. “She said, ‘just do it. If it doesn’t work out. it doesn’t work out. I don’t want you to have any regrets,'” Dave said.

So, in April, Dave decided to retire from printing. “I don’t like to call it retiring,” Dave said. “I call it my next chapter.”

“I think of retirement as moving to Florida and doing water aerobics,” Dave said. At 58, he’s not ready for that.

So now, he is the Sales Manager for Trek Bicycle Federal Hill. His responsibilities include selling bikes and accessories, making sure goals are met and training new employees. “I answer to the Store Manager,” Dave said.

His typical day starts with having a cup of coffee with Madeline in their backyard. “I trying to get used to retail hours,” Dave said. He used to have to be to work at 9:00 in the morning and worked 5 days a week. Now, he goes to work around 10:30 a.m. and has off Tuesdays and Saturdays. The store is about half a mile from his house.

So he spends his morning going to the local coffee shop, meeting friends or going for a bike ride.

“The biggest change is the mindset,” Dave said. It’s been a total change in routine.

His work day starts with a “team huddle” where they go over what needs to be accomplished that day.

Dave says there is no typical customer. “We have everyone from advanced cyclists to people who haven’t ridden a bike since they were a kid.” Dave said. “It’s never the same.”

His favorite part of the job is helping customers. “There’s nothing like sending someone on a test drive and they come back with a smile they haven’t had since they were a kid. There’s such a sense of joy.” Dave said.

He feels that his job is guiding customers to the right bike. “Trek has a guide sales process. You are the guide and the customer is the hero.” Dave said. The sales person wants to help the customer have a safe enjoyable experience on a bike.

Ride bikes. Be happy. Have fun. is Trek’s motto.

The most challenging part of his new life is learning a whole new industry. He has always been in sales, but bikes are a whole different product.

The bike business has changed now that people are getting out more. Customers are now looking to upgrade their bikes, service their bikes and buy accessories. He said they don’t see as many people coming in for their first bikes.

However, there is a growing interest in e-bikes, electric bikes. Dave said e-bikes are really making a big surge. “Trek is coming out with some more affordable models,” Dave said. He adds that that Trek is also coming out with a commuter e-bike.

Riding in Baltimore City

Dave says it’s a misconception that the city is a difficult place to ride a bike. “There are many bike friendly roads and bike lanes,” Dave said.”The city is quite easy to navigate on a bike.” In addition, Baltimore City is working on a biking infrastructure, according to Dave.

“I love the freedom of riding my bike,” Dave said. “You see a heck of a lot more from a bike than you do from a car.”

Part of Dave’s job is to lead a Sunday bike ride at 9:00 a.m. through Baltimore City. It’s called the “Causal Shop Ride”. “It’s slow pace. It’s causal. We stop along the way if someone wants to stop,” Dave said. Right now there are only half a dozen people, but he is hoping to grow that number.

Changes in His Relationship

Dave said his relationship with Madeline has changed “exponentially”. “We were both going through some big changes and I wasn’t happy,” Dave said. She would say “Where is the man that I married?”

Now she says, “You’re happy. I have my husband back.”

They have been married for almost 12 years. “She always has my back,” Dave said.

Financially Speaking

Although Dave’s job may sound like all fun and games, he had to consider whether or not this job made sense financially. “I looked at my finances and knew how much I needed to make,” Dave said. He has been able to meet those goals and is even doing better than he did working in printing.

“My wife and I had a big conversation before I left, but it was about so much more than money, it was about happiness,” Dave said.

“We know what we can afford. We don’t live with extravagances. We live a very simple life.”

They have paid off their home in Baltimore and have an investment property in Florida. Due to COVID, they have not been able to rent it out, but now they are hoping to rent it to traveling nurses.

Health Care

For Dave, his health care situation has actually improved. “TREK provides tremendous health care,” Dave said. In his previous job, he carried he and Madeline on his health care plan, since she is a solopreneur, so good health care was important. “TREK health care is very similar to what I had before.”

In addition, he and Madeline make sure to lead a healthy lifestyle. In fact, since his career change, he has lost 15 pounds. He has more time to eat healthy rather than picking up fast food. “I used to be on the road and it was just easier to pick up a cheeseburger,” Dave said. Now he’s moving more and eating regularly. He has even seen a reduction in his blood pressure.

Future Plans

Dave is not sure what his future holds. “I’ll probably always work doing something. I need that interaction with other people,” Dave said. “I thrive off of that.”

Because TREK is a large organization with stores all over the United States, there is the ability to move to another state and stay with the organization. He keeping all his options open.

Final Words of Advice

Dave’s advice. “Just do it. Don’t be afraid. Fear can be crippling,” However, he also recommends doing your research to make sure it’s the right decision for you.

Even though Dave is no longer involved with printing, he stays on top of what is going on and is proud of the contribution he made. “I feel like a did something good in the industry. Sometimes I thought I didn’t make that much of a difference, but based on the response on Facebook, I obviously did,” Dave said. Dave was flooded with well wishes when he announced his “next chapter.”

“I saw my father work himself to death. I don’t want to just work for the sake of working. I want to work doing something I’m enjoying,” Dave said.

“I enjoy learning something new every day,” Dave said.

If you need a new bike, make sure to stop by and see Dave at the Trek Bicycle Federal Hill store. You’ll make his day.

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

I’m Retired! What’s Next?

Now that I am officially retired, it’s time to figure out what I want to do when I grow up.

My husband and I started talking about my retirement over two years ago. He left his job and we began to envision what the rest of our lives would look like. Now, we have the freedom to find out.

I never thought I would feel comfortable with the word retirement. Retirement bring about images of water aerobics and 5:00 dinners. Not that there’s anything wrong with that, but it’s not me. So I decided to embrace the word and give it a refreshed image. I’m in marketing, we’re all about re-imagining.

Two years ago, my husband and I started to prepare for my retirement and the next phase of our lives.

The first thing we did was sell my little Volkswagon Beetle convertible. I had it for over seven years and I loved it, but it was not a car we could travel around the country in. I was surprised how many people were sad when I sold my car. I admit, it was a hoot to drive, but an SUV was more practical. So, we bought a Mazda CX-5 and paid it off before I left.

The added benefit was that since it looks like every other car on the road, I had to learn my license plate.

Then we made sure to max out my 401K contributions. Sure the car payments and 401K contributions significantly cut down our monthly cash flow, but it was worth it. We knew it would help us create the life we wanted in the future.

I started noticing what other people were doing in retirement. That’s when I started my blog. I wanted to find out the path people took and why they made the decisions they made.

I’ve been so much fun telling people’s stories. Each one is so unique and each one helps me to put a piece in my own retirement puzzle. I’m not even sure what the end picture will be.

When people ask me what I was going to do in retirement, I say I going to drink lemonade and read books in the backyard. And I am. But I am also looking at all the opportunities available to me.

For example, I have been creating videos for people and businesses. These have been fun projects. I not only love helping people celebrate special events, but I also love the creative process of combining video, pictures and music.

I also have a podcasting gig. More about that later.

And finally, I am doing all the projects that I have been thinking about doing for years. My husband is already threatening to take away my coffee if I don’t settle down.

And I’m sure I will. It’s strange to think that I don’t have to fit everything I want to do into a weekend or an occasional day off. That I don’t have to sit in traffic worrying that I will be late to work or a meeting. I have time.

The most important thing I have learned from all my interviewees is that to have a successful retirement you have to find your passion. I’m working on that too.

For now, I will continue to find people who are working on their next chapter whether it be through love, work, moving or volunteering. I hope you will continue to join me.

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