I retired in my late thirties. I left a job with no upward mobility and started a business. I told myself, “Retirement is doing what I want to do.” It was harder than I ever imagined. About the time I gave notice to the company, my wife told me she was pregnant with our third child. Since then, we added a fourth.
And no, I am not on a trust fund.
The first three years was a white-knuckling affair. It took about a thousand days before I knew whether the business was viable. More than 20 years later, I’m still retired (working 60-hour weeks).
Part of my retirement plan was fly fishing. I decided that I didn’t want to wait until that magical day at 65 (or, now, 68 or 70). I wanted to fly fish and work, not fly fish after I stop working. I’ve had to debunk several fly fishing retirement myths in my mind as I’ve struggled to sustain a small business and integrate fly fishing into my schedule:
“I am not going to die.”
Up until my 40s, I was blinded by the thick veil of permanence. I thought I’d live forever. Now that a few of my friends are gone, the veil is slowly lifting. I’ve also been involved in two car crashes, both of which could have taken my life. In one, I was hit from behind by a semi-tractor trailer (the big kind).
Maybe there is no other way to escape this world other than by dying.
No one says this out loud, of course, but we often live as if we have forever to do what we love. We don’t.
“I will be healthy enough to fly fish when I retire.”
Maybe. Depends somewhat on my genes (my grandmother lived until she was 103); my father and mother are now in their mid-eighties. And somewhat on my eating and exercise habits. Oh, no!
No matter what, though, you won’t be able to wade as deep when you’re 65 as you could when you were 35. For sure. You won’t be able to scramble up the steep incline that takes you to the best fly fishing run. You won’t want to hike four miles to fish for cutthroat for three hours and then turn around and head back down the mountain before dark.
You just won’t. I know you’re a great athlete (in your mind), but your days are numbered. This is one of the most pernicious fly fishing retirement myths, simply because we all assume good health.
“I will, finally, have more money to fly fish.”
No. All the research indicates that Americans will be working longer than they expect. So if you have no money now to fly fish, most likely you’ll have no money to fly fish at retirement.
Figure out a way to create a line item for fly fishing (along with college tuition savings).
“I will have more time.”
Another big no. I don’t know a single person who is retired after a life of work and who sits at home watching Fox News or ESPN all day every day. There may be few folks like that, but most I know seem to be as busy as they were before. This is another of the fly fishing retirement myths.
If you have no time to fly fish now, most likely you won’t make time for it after you retire. Make time to fly fish now. Retire now. That doesn’t mean quitting your job. It means doing what you love.
And since fly fishing is what I love, I am fully retired.