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Random Thoughts on the Passing Scene (With Apologies to Thomas Sowell)

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AUTHOR: Ken Cutler on 8/03/2025

-During a dinner a year or so ago with some of my recently-retired but still working friends, talk turned to what toys the fellas were buying with their “bonus” income. Most of the guys had big-ticket items to report: expensive new trucks, recreational vehicles, motorcycles…things like that. I didn’t have a lot to add to that conversation, but when I was pointedly asked what I’d bought for fun, the most extravagant item I could come up with was a new Trek bicycle that cost me a little under a thousand dollars—far more than I’d ever paid for a bike previously. Still, several other purchases in retirement have brought me significant satisfaction. I bought a standing desk, which almost miraculously cured the chronic neck pain I’d been experiencing. I purchased a Weber charcoal grill, which has taken our cookouts to the next level. I replaced three clunky older cordless drills that I had inherited with a brand new DeWalt drill. This exchange allowed me to complete some much-needed repairs on my mailbox without it becoming an all-day ordeal.  Finally, I bought several dozen interlocking, brightly-colored anti-fatigue foam pads and created a path around my concrete basement floor’s most trafficked areas. My back has thanked me ever since.  The total cost of these four purchases was around $500, hardly requiring me to continue working. Yet they really are the most significant lifestyle-enhancing purchases I’ve made since retiring.

-I’m less fascinated by my financial spreadsheets these days. Before I retired, they helped give me a sense of progress toward our retirement readiness. Today, the numbers seem increasingly meaningless. I’m convinced our combination of cash flow and assets is likely “enough” for our relatively modest lifestyle. Constantly sorting data to check our income or net worth now seems like a somewhat empty exercise, although I admit there is still a bit of residual satisfaction when I observe increases.

-Upon reflection, I realized I haven’t truly experienced retirement yet. I’ve been working part-time jobs since retiring from my 38-year career in 2023 and currently have two employers. My hours have actually increased this year as I’ve been supporting a project that’s particularly interesting to me. Although I work from home and have essentially unlimited autonomy, I’m still very much in the work world. LinkedIn continues to be one of my favorite internet sites to visit. Thus, it seems I’ve kicked the can down the road a few years when it comes to dealing with the identity issues that will inevitably come when I’m fully retired from paid employment.

-I continue to find the most satisfaction in simple, inexpensive pleasures of everyday life: a quick trip to historic Bethlehem, PA with my wife; an exquisite steak from the local butcher cooked to perfection on my new Weber grill and enjoyed on our patio in pleasant weather; meeting with buddies at a local restaurant to share a tasty meal and good conversation; making friends with my daughter’s delightful new tuxedo cat, Morgana, rescued from the parking lot of her workplace.

-We have a grandson due to arrive in September, our first grandchild. I enjoy children—I’m still a big kid in many ways—and am eagerly anticipating supporting my son and his wife as their family expands. I expect to experience significant shifts in my identity, priorities, and perhaps even daily routines after becoming G-pa to this precious new life.

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Patrick Brennan
5 months ago

Ken, I found your stand up desk helping your neck pain to be quite interesting. Who would have thought? Many others may benefit from that life hack. And, you are in good company. The great Admiral, Raymond Spruance, was famous for his standup desk in his office at Pearl Harbor. When he became Nimitz’s Chief of Staff, which he alternated with Halsey, he had a standup desk built in his office. Additionally, there were no chairs or couches. When people came in to do business with Spruance they stood, did their business, and got out there. No lounging around or non-essential conversation. Near the end of Spruance’s life his biographer, Thomas Buell, asked him why he was so successful. Spruance replied, “I was lazy, I didn’t do anything I could get someone else to do, and I was a good judge of men.”

DAN SMITH
5 months ago

Ken, congrats in advance on the arrival of your first grandbaby; may there be many more in your future. 
You touched on many things that I can relate to. I remember my brother calling me after receiving a sizable check for unused sick time when he retired. He was telling me all the ways he planned to spend it. I reminded him of his age and suggested he pay off the mortgage. I heard my sister-in-law in the background agreeing with me. 
Like you, I have lost interest in spreadsheets and similar planning tools. With significant guaranteed income and modest distribution percentages I finally find myself in the “no need for a budget” camp. 
I also added a few new tools when I built my workshop in the garage. Those tend to pay for themselves by making DIY projects possible. And of course, I’m always looking to add some new tunes to my vinyl resting place.

Marjorie Kondrack
5 months ago

Ken, always a pleasure to read your uplifting articles. All of us have great things in our life. We just need to pay attention to the small things instead of the big things. Feeling grateful for what we have is the most powerful way to experience happiness. Our home, our friends, and now a new grandchild —a joy to anticipate.

Mike Gaynes
5 months ago

I loved this “morning cuppa”, Ken. You’ve achieved a wonderful perspective on easing into the transition we all face, and as industrious as you still are, it seems obvious that your crowning achievement is your relaxed attitude. This sort of contentment is what we all hope for.

(I would posit, however, that there is never, ever a reason to apologize to Sowell for anything!)

R Quinn
5 months ago

Grandchildren will change your life in several ways, all for the good. What a journey it has been from holding the first new baby to seeing them off to college and every milestone in between.

Our eleven range from age 10 to 20 so we are still involved in activities. Get ready for lots of sports. Grandchildren can be expensive if you let it — let it.

As far as finances go, a click on my Fidelity website and I learn all I need to know. Let them do the work.

Jack Hannam
5 months ago

What a fun article to read with my morning coffee Ken! Before I retired, one of my goals while working was to achieve financial independence and the flexibility to do, or not do, whatever I chose. Seems like you are there too. Your life will change for the better next month. After the arrival of the first of my six grandkids, my son gave me a tee shirt which read: “Grandpas are great Dads who got promoted”.

normr60189
5 months ago

I’m with you, Ken. The simple things give me pleasure. My finances are largely automated. so, I spend very little time on related spreadsheets, etc. Most of my data mining is related to my writing.

Rick Connor
5 months ago

Ken, I was talking to some neighbors yesterday about their new E-bikes (one a nice Trek). I’ve been thinking about them for a few years, but haven’t jumped in and done the research, did some test drives, and made a purchase. The one neighbor bought a refurbished E-bike from Upway. I wonder if anyone else has used them. I found a local business that rents them by the day – I may try that this fall.

I’m happy you have found meaningful work to fill your time and ease the transition. I was happy I was able to consult the first few years after full-time work. And the income is nice, both financially and psychologically.

I’m excited for you for the new grandson. It’s amazing. When we had our first grandson (of 4) I remember the almost overwhelming joy I felt. A big part of that joy was watching how great my son and daughter-in-law were at being new parents. I look forward to future posts from a proud G-pa.

bbbobbins
5 months ago

Everyone has their own pace and wants and needs. Personally I question whether any of your guys are really retired if they are still working to buy toys.

It’s fine to continue working if that gives people enjoyment and fulfillment or they appreciate the “spare” cash.

But our time is finite and every day spent working past the time when we have already decided “enough” is a day when we’re not doing other stuff. Again it’s fine if that work fulfills us in other ways than the paycheck – it can be the “stuff”.

I think you’re about to discover than becoming a G-man might be the important stuff.

bbbobbins
5 months ago
Reply to  Ken Cutler

That sounds like the way to do it, A bit of strategic income boosting after a longish time living the dream. Not sure I’d have the mindset to get back in after running my own show in that way but planning for not having to.

Edmund Marsh
5 months ago

Ken, I don’t doubt the other guys are finding happiness with their new expensive toys. But it’s nice to read you are finding yours at a lower price, mostly with things and experiences you share with your family. Seems better, and more likely to last longer.Thanks for a nice article to start my day.

greg_j_tomamichel
5 months ago

Thanks Ken, a great read. I love the term G-Pa. Interesting to read how some relatively inexpensive purchases have really added to your lifestyle. All the best.

luvtoride44afe9eb1e
5 months ago

Ken, your Slowwww transition into retirement is working for you and answers that dreaded question “ what are ya gonna do in retirement “. LOL.
BUT the new grandchild which cannot be “bought” will bring you the most joy of any of your post work pursuits or projects!
I’m retired 2 years and have 4 grandchildren (ages 2-14) and having the time to spend with, interact with and provide needed support to their parents is the most fulfilling part of retirement for me. Yes, I have time to volunteer for organizations I’m involved with, get together with friends and take college courses for enjoyment, but nothing compares to being Pop-Pop! Enjoy this next phase of retirement!

OldITGuy
5 months ago

It’s good to hear how you’re doing Ken. Sounds to me like a pretty good success story for how to transition into retirement. I doubt you’ll have any issues as you continue the transition. If the expensive toys makes someone happy, to each their own. But I also am pretty content these days; I buy what I want but I don’t feel any compulsion to buy stuff. Best wishes for a continued contented journey. Gene

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