It had to happen. It’s approach led to this started-with-good-intentions-but seldom-written-in blog. It has been the Moby Dick to my Ahab. It has been a black cloud on the horizon of my life for the past 10 years. “It” is 40, and it finally overtook me last Saturday.
Turning 30 sucked. Turning 30 meant the end of innocence. No longer a naive 20-something, I felt like my 30s were meant to be my true entry into adulthood. It was during my 30s that I felt I was meant to create my career-life. 30s are meant to be a career building decade and if you play your cards right, you will be well on your way to building wealth and flowing into your “prime income earning years” (40s and 50s) with ease.
Of course, turning 30 sucked. Did I mention that already? As I approached 30, I panicked. “What are you doing with your life?” I asked myself. I was in my late 20s and realized that I was not in a good position to enter anything that involved a long-term career plan. I panicked. I talked my wife into researching franchises so we could open our own business and start down the road to financial independence. We chose a business, we moved to Craphole… er… Scottsbluff, NE, and we tried to make a go of it. All of this panic was caused by the turn to 30.
A few things went wrong.
1st: The franchise we opened did not do bad… we made a small profit in our first year. The franchise did not, however, make enough profit to support my wife and I and our young son. The franchise did not live up to our calculated expectations. We ended up selling it.
2nd: We personally financed the person we sold the business to… and within a couple of months she declared bankruptcy. Guess there was a reason the banks weren’t lending to her…
3rd: After getting shafted by the person that we sold the business to, we could have probably declared bankruptcy as well. But NO… we decided to take the high, moral road and pay back all of our debt. So, instead of taking a lump to the old credit almost 7 years ago (which would have resulted in much less scrimping over the last 7 years and a better quality of life for my family over the last 7 years… and the lump would be healed by now), we have reached a point where we are only a few months away from finally getting rid of all that debt. I know I’m supposed to feel good about this, you know, for having repaid my debts… but I’d really much rather avioded the past 7 years worth of stress and that money, invested, would mean that I would have had a chance to retire some day. Oh well, retirement is overrated, right? Who doesn’t want to work until they die. At least I owned-up to my responsibilities… again, that just isn’t doing anything for me. Retirement would have meant more than making sure the stupid credit card companies got their money. Who’d a thunk that doing the right thing would suck so much?
4th: The wonderful panhandle of Nebraska is not a good place to attempt to open a specialty retail business. Not only is there little disposable income here, if you can’t make a living with the new business, your job opportunities in the Craphole are, well, quite limited. Let’s just say that bright futures aren’t created here. The Craphole is a retirement community… the Craphole is an agricultural community… people either come here to grow corn or people come here to die. People shouldn’t move here to open a little business (in an effort to avoid the stress of turning 30)… because the odds are that you will fail.
Turning 30 may not be a walk in the park, but turning 40 after getting yourself stuck in stinking Nebraska… I don’t know much about growing corn, so I guess I’m part of the retirement community in the Craphole just waiting to die. At 40, it’s really kind of too late to start all over again. Guess I’ve kind of just given up on having the kind of career making the kind of money I went to college to make. At least I have a loving wife and two great kids… if only I could provide for them the way I always imagined I’d be able to. And it’s not that we’re doing bad… it’s just that I always thought I would be financially successful… not fighting to remain middle-class.
I usually try to make these gripe-sessions at least a little funny. You know, cynically tongue -in-cheek. I just really can’t find anything too amusing about the entire situation… not this time.
oh you poor poor bastard. So your not filthy rich. I really feel bad for you. Yes, you have had some bad luck, as have the rest of us. But lets think about this for a moment. You had a job as a paint salesmen at one time, Yes?. Had you stuck with that company, you may be head honcho of many stores right now. Its like the walmart employee that start as a checker and end up running two or three stores (and make more than we ever will). How many times do i have to say this: you have better work ethic than most anyone ive met. The thing about work ethic is, it sometimes takes many years for employers to realize what they have. Get over this age thing, keep doing what your doing (providing a comfortable living for you and your family) and forget about the fancy living crap. Guess what. I want more money too, but the funny thing is, i was more happy seeing my big bro for a couple days than i think money could ever do for me. Do you think when your lying on your death bed your gonna be saying: man i wish i would have made more money. Or do you think youll be saying: man i wish i just would have enjoyed what i have more. Just a thought you old bastard..lol.