Retirement

Thoughts about retirement 

Transcript

SPEAKER_01 0:00

Here we are. Another episode Poor Clues Dudes Mike here.

SPEAKER_02 0:05

Jeremy. Tim.

SPEAKER_01 0:07

Tim and Jeremy. So uh So this back after being off the air for several weeks. Uh I had major knee surgery and these guys have been working and so But one of the old boys here, he's uh contemplating a big decision in life. Uh retiring. So we're gonna see how that goes with him.

SPEAKER_02 0:30

Uh yeah, I'll let you dial on that in a couple months.

SPEAKER_01 0:33

Again, I retired, you know, several months ago, and it's been a good thing. So putting this stuff out aside. So yeah, we'll see what happens.

SPEAKER_00 0:41

So uh some of us have about a little over seven years to go.

SPEAKER_01 0:47

Yeah.

SPEAKER_02 0:48

So you know, putting all BS aside, it's a it's a scary decision to make. Uh you know, it's exciting. I think it's exciting, but it it's in the in the also it's just the unknown. The unknown, you know, you're you can sit here and put pen to paper and figure this and figure that.

SPEAKER_01 1:09

And okay, yeah, it looks good on paper, but well, until you get out and actually do it, and you don't get that first big paycheck from where you worked at, and then you see how the bills are, and uh so that was a big thing, you know. Like I said, I've been retired since October and uh it's been really good. I mean, you know, it's just it's it's the stress level has really went down knowing that I don't have to go in there and deal with some of them co-workers.

SPEAKER_02 1:40

No mine's wake up, Tim. Yeah. Mine is nothing physical about my job as far as that goes, but uh the the mine crap and the constant pushing and the constant this has got to be done now, it's gotta be done here. And and like I said, I'm 61 years old and and we're on our third computer system and soon to be a fourth, and and I'm thinking I yeah, dude, I I don't want to learn more shit. I'm tired of learning it.

SPEAKER_01 2:08

I don't yeah, no saying in the army if it ain't broke, don't fix it.

SPEAKER_02 2:13

Yes, nothing been made official yet, so yeah. Well maybe in a month or so we'll make that decision.

SPEAKER_01 2:19

So if you hear any booming in the background, we're actually sitting outside in my garage, and the neighbor over there is shooting off some fireworks, and every once in a while, some of them will really loud and they'll scare Tim, and you can actually see the hair on his head grow a little bit. I'm sitting on back to it. He's back turned to it.

SPEAKER_02 2:36

Nobody tells him that it goes up. Yeah. I didn't see that one, so that didn't scare me as bad that was actually over in the trees a little bit.

SPEAKER_01 2:43

So actually, technically, uh oh yeah. Forgot sponsorship. Unofficially sponsored by Miller Light and Mick Ultra tonight. So feel free to sponsor the uh channel anytime you want to. We're not cheap, we'll drink anything. I don't know, baby.

SPEAKER_02 3:02

Yeah, yeah, we will. If it's free, yeah.

SPEAKER_01 3:04

Oh, Milwaukee was free, I'm drinking it.

SPEAKER_02 3:06

Oh yeah. I've went through buns with that.

SPEAKER_01 3:09

So technically, Jeremy, you're uh you're you know, you're not old enough to retire, but I mean, you know, retirement might affect you here, you know, next year. Or this actually this year, right? Is it this October or next?

SPEAKER_00 3:22

Well, I'm debating that. I I I'm going back and forth on it. I mean, everything's everything in my heart tells me to give it up. And then there's that unknown factor of well, you're saving up now for that, but how long is that gonna last?

SPEAKER_01 3:43

Yeah.

SPEAKER_00 3:44

And then what are you gonna do after that? Yeah. But this this position that I'm in right now just takes up a lot of my time being on call. Uh you know, I'm a s I'm a single guy with no kids. You know, I don't do I really have to do it? No. Could I make it on a you know regular part-time job? Yes, I could, but I wouldn't have any extra money to do anything. Yeah. And I mean, my job is pretty simple. There's not much to it. It's just a long lot of hours and if you're on call, am I where am I going?

SPEAKER_01 4:35

Yeah. You don't know until they call you.

SPEAKER_00 4:38

I'm tired of driving to Louisville.

SPEAKER_01 4:40

Yeah. Yeah, it's a long drive back and forth just to go up there for like five minutes of work and you're driving three hours or more.

SPEAKER_00 4:47

And like I, you know, I I love my job. I really do. I love helping people. But when you have a company that thinks that somebody sitting behind a computer desk five states away knows the area better than I do, bullshit. So, you know, it's just different things like that. They make different rules. They'll say this one week and then the next week it's a different. Who knows?

SPEAKER_01 5:17

Yeah. Yeah, and I think you uh you'll get uh how are you? Where are you? 534? 52. 50. So you still got eight years before you can draw the other benefits you got coming to you here sometime. Yeah. So that's still eight years away, so yeah. So and like I said, I have a pension already, and Tim already has a pension, so our money people keep saying it's you know, we will never make that money up wait until we were 67. So let's be in your 80s for the way that I have a technically retired, retired social security. I just retired from working because you know I'm a hundred percent uh disabled through the BA, and then of course got my army retirement, so which it's of course the wife works, so that's uh that's that's a big thing. That was a big thing retiring too. You know, we got a daughter that's getting married, and she didn't want me to retire before uh you know, bore up to her hand and got married, and I said, well, you know, the way it's going, you know, I might not be here by then the way it's going, you know, help wise. I'm gonna have a damn stroke or heart attack because of the the stress that, you know, goes, you know, I'm in the healthcare field kind of like Jeremy is, so uh, you know, you know, he deals more I you know I dealt directly with patients, you know, he did too, but not as much as I did. So he dealt more with them in their house and you know, some in the hospital, but so but it's a stressful, you know, it's a it's a stressful job and nothing in the healthcare industry is very very no good pay, but it's just uh you know, is is that pay worth it sucks the life out of you. Yeah, it does sucks the life out of you. And a lot of it is just the co-workers, you know. Like I said, I have one co-worker that she went to uh she called in two times one week, and the first time she called in, she called her cat by the wrong name. So she called in sick because she called her cat by the wrong name. It's just like, you know, where else would you do that and not get fired for doing something like that? And then a couple days later she went to a gas station and the pump that she gets gas was uh out of order. So I guess her anxiety, whatever, kicked in, so she wasn't coming to work, so she turned around and went home. I mean, where in the fuck can you do that in real life? I mean, you know. So, I mean, it's just stupid shit like that. You gotta deal with, and then your co-worker saying, Well, that's not my job. That's not my job. Read read your fucking job description. Yeah, that is your job. You know, patient care is your job, but whether that's you wiping their ass in the office if they have an accident, cleaning up puke, cleaning up blood, you know, things like that, giving shots, giving allergy shots. That's your job. You know, you get paid to do all that stuff. So or they want us, you know. Our biggest thing when I was there, we'd have nurse visits. And that might be an allergy shot, it might be a flu shot, you know, depending on the season. It could be a pneumonia shot or this, and it's like, well, can you do it? I ain't got time to do it, but then you walk over there and you know you're drawing up the allergy shot or this, and they're sitting on their desk and they're on their phones, you know, on fucking TMU or Amazon. It's like, you know, I'm rooming patients, and you don't have a doctor today, but yeah, you say you can't do it, you know. What's what what's wrong? You know, then you got a boss that's uh ain't got no nuts, won't stand up to them. Kind of stressful. And then if you say something to them, then you get then they go, you know, cry and whine to the boss about you say something to them, and you know.

SPEAKER_02 9:14

So well, since we're going down the rabbit hole of tiring and all that stuff, which my big thing is, you know, I could yeah, I can make more money waiting until I'm 67. But again, who says I'm gonna be here at 67? Who says it's gonna be here? Right, it's who says gonna be there because you don't know because politicians have already screwed it up.

SPEAKER_01 9:36

Uh yeah, well they borrow from it and then they gotta put money back into it.

SPEAKER_02 9:40

So, you know, I I don't know all the logistics how that works. I know they're using it and they shouldn't be using it. It should be there for you know a person shouldn't have to work past 60, in my opinion.

SPEAKER_01 9:52

Nope.

SPEAKER_02 9:53

Uh because for me, technically, I've been working since I was 19, so it's you know I I that's enough years, 42 years, it'll be 42 years or whatever, but whatever, yeah, 43 or whatever, something like that. So I I don't they expect and and they don't want you to retire because of that. I I made a statement when I when I saw the difference between 62 and 67 and 70. Yeah. It's it's a pretty good chunk. It was six hundred dollars for me. Yeah. Either way, I mean that's a long time to wait. But you know what you're you're getting in now, and then you gotta wait another five years, and who knows?

SPEAKER_01 10:39

It's a scam though. You know, I because the longer you wait, you know, you get you could possibly get above more money, but you know, you wait between 62 and 70, you know, there's I don't know what the percentage would be that you die and you don't ever collect that money.

SPEAKER_02 10:52

That's my thing. That's like I my thinking is I I worked with a guy that and I'd seen him about once or twice a year, and he was, hey, I'm retiring this day. He's 67, I'll be 67 and retire.

SPEAKER_01 11:03

Yeah.

SPEAKER_02 11:04

Well, he died a year later. Yeah, 68 years old. How is that I don't get and and I hate to say it, but I I'm not sure, but I think that's what the government wants. Yeah, that's that's they want you to work yourself to death, so you don't they don't have to pay you that stuff.

SPEAKER_00 11:19

Yeah. And see, with me, I can claim the widower's benefit at 60. Yeah, draw hers at a reduced grade. Yeah. And then I can work part-time, not make up to a certain amount. And then I can let mine sit there, and then I can switch to mine whenever I want.

SPEAKER_01 11:41

Yeah.

SPEAKER_00 11:41

Right. When you're 62 or whatever. I can let it sit there until 70.

SPEAKER_02 11:46

Is his retirement your age till 70? 67, I mean.

SPEAKER_01 11:50

67.

SPEAKER_02 11:52

I've heard, yeah, so you know, full retirement 70 for us. Yeah. Probably you two. I I don't know how that works.

SPEAKER_01 11:58

67. 65 when you get Medicare.

SPEAKER_00 12:00

Well, 67, you can get 100, I think 100%. Uh 65. But then if you wait until 70, it's like 100 and 100. Yeah, it's full retirement plus something.

SPEAKER_02 12:10

But you know, I you know, I, you know, I'm I don't know. I I I've battled it and battled it and battled it, and I just don't want to Who wants to do that? I don't want to. I I I like my job. I like the people I work with. It's just it's gotten too corporate for me. That's what everything started out when I was there, when I got there. It was a although we were the largest company doing what we did, it still felt like a mom and pop deal because they you know the owners would the owners would come by and say, hey, how you doing, or whatever, but now it's it's not that way. Our owners are in New York. You're just a number anymore to them. They don't know you from crap.

SPEAKER_01 12:53

Yeah.

SPEAKER_02 12:54

So I I I just think it's time for me to, you know, I I'd be willing to hang out a couple days a week, you know, to help do whatever I need to do, get for work.

SPEAKER_00 13:03

But the I don't want the pressure anymore of because you know, you you talk even if you take it at 62, you can still work.

SPEAKER_02 13:12

Yeah, you can make $24,000 a year. So I it's not like you know, I I technically I'd be making close to $70,000 a year just working part-time with my retirement and everything else. So uh why not? You know, you I don't need to live high on the hog. I got I got my truck, wife's got her car, and we don't need for anything else. And you know, she does need something in the future, we're still paying up money, so you can buy it other people, whatever.

SPEAKER_01 13:42

Well, the big thing is insurance because when you retire early at 62, you don't get the Medicare insurance.

SPEAKER_02 13:47

That's where I I have an advantage because my wife's so much younger than me, so I can go on her insurance. Yeah. And and I'm still probably saving money because what I it cost me probably 150 a week for insurance.

SPEAKER_01 13:59

So do blow it up.

SPEAKER_02 14:00

Just don't get hurt. Yeah, just don't get hurt, pay attention to what you're doing, and I'm gonna get sick.

SPEAKER_01 14:05

And I'm lucky that you know I'm 100% total permit disabled through the BA, so the wife automatically gets what they call champ BA, so you know she gets that civilian health insurance. So uh so we get when the insurance is not an issue with us, so it kind of worked where that worked out, so we didn't have to worry about insurance.

SPEAKER_02 14:24

So well, you know, I'm I'm lucky that it has worked out the way it is if it works out that way.

SPEAKER_00 14:32

You know, we've we might have to slow down a little bit on some things, but yeah, well, just a little word to the wise for the younger generation coming up. I know everything's expensive right now, I know it's hard, but if you can, you save every bit of money you can and invest it. I've told my son. Invest it, invest it, invest it, and leave it alone.

SPEAKER_02 15:00

You got a 401k, 10%. I I I didn't do it, and I'm paying for that.

SPEAKER_00 15:05

So if you don't so if the younger people go to Walmart during the day and see how many older people are working at Walmart because they didn't plan, they didn't save. Anywhere like that, you will see older people working to supplement their social security because they have no other feed. Yeah, yeah. Some people just like to work.

SPEAKER_02 15:37

Yeah, and I and I don't mind working a little bit.

SPEAKER_01 15:40

Some of them have lost their spouse, and you know, gets them out of the house for a little while.

SPEAKER_02 15:43

I got a mother in law that's 75 years old, still works three days a week because that's what she wants to do. She goes on vacation with us every year, so she puts the money back every paycheck, that's where she spends. So it's you know, I I I've I couldn't sit around and do nothing. You know, you gotta do this. You gotta have to have a hobby or something.

SPEAKER_01 16:07

Well, that's why I want to kick off this, you know, kick this, you know. Hopefully we can uh put our mind to it, we can get successful on doing this podcasting and YouTube stuff. But like I said, like you said, we gotta we gotta get a platform.

SPEAKER_02 16:19

We we gotta figure out what we're talking about. And what we're gonna talk about. It's just my opinion. Saying it on the on the thing, whatever. Yeah, our lives are geared more towards sports. Yep. Yeah. We can talk about politics every once in a while or whatever, but you know, who wants to talk about that shit all the time?

SPEAKER_01 16:35

I don't want to talk about politics at all. You have to come up with something or way over there, yeah.

SPEAKER_02 16:41

Uh you know, people that do it maybe on air and you're listening to this, hey, give us some pointers. Yep.

SPEAKER_01 16:47

We need an editor.

SPEAKER_02 16:49

Yeah, we gotta edit stuff out.

SPEAKER_01 16:52

Hey Pat. If you're listening to McAfee, give us some editors.

SPEAKER_02 16:57

Mike over here has no filter on his freaking.

SPEAKER_01 17:00

Hey Bryson. Our our position's in the give us some uh pointers there, brother.

SPEAKER_02 17:05

Our uh our our our conversations at Target, he just kind of opens his mouth and whatever comes out comes out. And I said, You got to edit that out. I'm not editing that. Well, okay. I don't want to be a racist pig and I don't want to be a pig, period. Talking about something going on, you know.

SPEAKER_01 17:20

Some of it I don't put on there. I'll delete it and we'll start over again.

SPEAKER_02 17:24

Yeah, if we're gonna do it, we gotta do it right. Yeah, I'm not willing to give it a shot.

SPEAKER_01 17:29

Yeah, but just with the retirement, you know, kind of wanted to talk a little bit about that because like I said, I'm I'm there, you're almost there, Jeremy's approaching it. Son of bitch, where'd that come from? Back behind us. There's a good one right there, folks. You hear that? No books.

SPEAKER_00 17:47

Well, we we get into this. You know, we can have different different platforms, different days. We talk about different stuff. Uh drinking Tuesday, uh baking with Tim on Wednesdays.

SPEAKER_01 18:01

There you go, man. Grilling out Saturday with Mike and Jeremy. All right. Well, we're gonna end this episode of uh four clueless dudes, and you guys have a wonderful rest of your night.

SPEAKER_02 18:15

Happy fourth!

SPEAKER_01 18:16

Happy fourth of July.

SPEAKER_00 18:18

250. We go, America. Let's see if we can make it another 250. Yeah, keep in touch with yourself. All ten digits.