Dave is also looking to retire no later than 45, but unlike Tim has no kids and doesn’t want any. Dave is from Ontario and is working towards his CGA certification.
I am generally a pessimist. I almost constantly assume that the worst is going to happen, which is the reason I am probably over-insured and also the reason why I have a much higher level of savings sitting around doing nothing than is perhaps necessary. My wife would probably classify me as a “Debbie Downer” (Youtube has some very humourous Saturday Night Live clips that may have been brought up in my house as examples).
Sometimes though, I do sit back and look at how lucky I am. Yesterday, I had a great day. I woke up a little earlier than I should have, after a late night of playing board games. I came home, “researched” for my NHL pool that I will probably lose at for the 15th straight year. I also found some reasonably priced “Book of Mormon” tickets to see over the winter, which I’ve wanted to see for a while. Finally, I made plans to cook a big turkey dinner for my wife and I and some friends next weekend, which I’m looking forward to. In all, it was a great day for me. I have a bunch of stuff to look forward to in the short and long-term and got to trash talk my friends during the hour and a half that the hockey pool took.
So, although I’m a pessimist I really like my life. I wake up most days looking forward to what I get to do that day, even at work. To that end, next week I’m ensuring that there are no significant changes to my family situation, by removing my ability to procreate. I’m positive I don’t want kids, and my wife is adamant in her desire to remain childfree. I have volunteered to do this for our “family” because it is much less invasive, and is supposed to heal much easier for guys than girls (which I guess I’ll see).
I have no interest in changing my lifestyle, and neither does my wife. We don’t want to have to concern ourselves with worrying about birth control for the next twenty or so years. For me and my wife, this permanent decision makes sense – it’s really just one less thing to have to worry about for the two of us, so we can carry on with the good times.
I thought as a childless 34 year-old, there would be a bit of a cross-examination by either my nurse practitioner or doctor. Both basically asked “are you sure?” and “you know this is permanent, right?”. I went for my consultation in June, and booked the operation for after golf season, next week. I’ll be taking a couple of days off work to play video games and heal up.
Sorry for the possibly “Too Much Information” health post, I would say that it aligns with my future plans, leading up to retirement. More specifically, it solidifies my childfree status – as long as the surgery works. While I think Early Retirement is more than possible with kids, for us, it would make it much more difficult to even think about making it work 10 years from now.