Financially Independent, Retired Early(ish) at 57.

Category: Delayed Gratification (Page 10 of 10)

Living on a Prayer.

Last Saturday night my friend Blogless Megan and I went to the MCG to see Bon Jovi.

Not my usual genre of music, but when I heard that they were coming I knew I had to get a ticket. Not for present Frogdancer, but for Past Frogdancer. I haven’t blogged much about life when the kids were little, but when we were living on the bare bones of our backsides, there was a song that was one of my absolute anthems of hope. I’d sing it with the boys, changing one very important line, and we’d belt it out and I’d put my heart and soul into every word.

The relevant lyrics?

“We’ve got to hold on to what we’ve got.
It doesn’t make a difference if we make it or not,
We’ve got each other and that’s a lot for love…
We’ll give it a shot.
Woah, we’re halfway there
Woah, livin’ on a prayer!
Take my hand, we’ll make it I swear!
Woah, livin’ on a prayer!
Livin’ on a prayer…
Oh, we’ve got to hold on, ready or not
You live for the fight when it’s all that you’ve got –
Woah, we’re halfway there!
Woah, livin’ on a prayer!
Take my hand, we’ll make it I swear,
Woah, livin’ on a prayer.”
I’m reading through these words and I’m starting to tear up. At work, at my desk. I’d better get a grip. But it brings back those days so clearly, when I was so scared I was going to somehow muck up the boys and we’d disappear in a puddle of failure.
When I left my husband, my boys were 6, 4 and  3 years old, while the baby was 11 months old. Our assets were a house that had a 100K mortgage, 2 ancient vans and a joint bank account with $120 in it. I closed that account and gave him half. The boys and I began our new life together with $60 cash, a mortgage repayment, (my ex was supposed to pay it as child support but he soon stopped when he realised I was serious about the whole ‘separation’ thing) and not much else.
I was definitely living on a prayer. The boys were so very young and they depended on me to keep everything together, safe, secure and free from drama. I was determined to give them the normal middle-class life that they were entitled to have, whether or not they had both parents around. No one forced me to marry the man I did, but I was utterly adamant that my poor choice was not going to hold them back in any way. I just didn’t quite know how I was going to pull it off.
This song had so much in it for us. The complete love we had for each other. The fact that we were all in it together, holding on to what we’ve got and moving forward together.
Of course, anyone who has an ounce of grit in them will see the lyric I still change every time I sing it. How can it NOT make a difference if you make it or not? It makes all the damned difference in the world, especially when you’re looking down into the four little faces of your tiny sons who depend on you for everything in their lives.
So I sing, “It DOES make a difference if we make it or not.”
No room for error here, thanks. The Frogdancer family wasn’t going to go down the gurgler if I had anything to say about it!
So I had to go and see this song being sung. I owed it to that scared but determined mother who left her husband because it was the best thing for her little boys. The one who lived for 4 years on the sole parents’ pension of 18K a year, paying the mortgage and keeping food on the table and grimly treading water financially, waiting for the time when her baby was off to school and she could go to work again and try to get ahead.
 So here’s what happened.

 

Every bogan in Melbourne was there. This gif illustrates the typical bogan couple in a recreational mood. Some people were wearing mullet wigs, but an impressive number of men and women were sporting home-grown mullets and Bon Jovi t-shirts stretched out over middle-aged paunches.

I’ve always been a pretty lucky person, even when times were tough and it didn’t seem like there was much light at the end of the tunnel. When you look back, there’s always been luck working on my side. Fortunate Frogdancer struck again at this concert.

Exhibit A: I defy any woman reading this to NOT be impressed by this.

This is a ladies bathroom at a major event in a stadium seating 100K. There was NO QUEUE. This is unheard of. And yet – you see the evidence.

After visiting the Women’s, Blogless Megan and I felt the need to rehydrate with an alcoholic beverage or two. Look! We had open space at the bar! It took around 20 minutes for the hordes of thirsty Bon Jovians to find this bar and fill up the place. By then, we’d tucked away 2 wines and were chatting away like ladies.

 

I also discovered that I’m still nimble enough to leap like a gazelle up onto this VERY tall stool. See where my feet end and the bottle of water begins? That stool was HIGH!!

After our drinkies, we found our seats. When we were looking at our obligatory selfie, Blogless Megan noticed the woman behind my head. I have no idea what she has in her mouth…

Our seats were right beside where the sound people are. That meant that we were in the perfect place to get the best sound. Fortunate, hey?

Then look what happened!! These freakishly tall people came and sat in front of us. The guy on the left was literally 6’6 at least and he sat directly in front of me. I silently sighed, resigned to my fate. I’m 5’2″.

But then he and his wife had a quick exchange and then swapped places!!! I leaned forward, tapped her on the arm and said, “OMG, I love you!!” They laughed.

Blogless Megan tapped me on the arm and said, “We’re in the same row as Molly Meldrum.” She took a sneaky pic. See him in the cowboy hat???

Molly Meldrum used to host Australia’s version of MTV back in the 70’s. He was hugely influential in the music scene.

So what was the actual concert like?

Gently boring, to be honest. Here’s the setlist.

For the first HOUR, there was only one good song. ‘You Give Love a Bad Name’, which the crowd belted out as one. It was great. The rest were from their latest album, which 95% of the crowd didn’t know.

I just stood there, listening to the music and watching the crowd. I wanted to hear, “It’s my Life’ and of course, ‘Living on a Prayer.” I knew my time would come.

After the first hour, the concert got more interesting. There were a couple of songs that I vaguely knew, so that was good.

Lots of mobile phone action during a song where he talked about lying down in a bed of roses. Sounded dangerously prickly to me, but it seemed to be a crowd favourite.

So how was ‘Living on a Prayer’?

Fantastic. I sang that song with everything in me. So did the rest of the crowd. It was amazing.

Would I go to see them again? Nope. I’ve scratched that itch for Past Frogdancer. She never dreamed that one day she’d be sitting in a $260 seat, just to hear her song being sung. Her kids have grown up and they’re doing fine; she’s well on the way to FIRE and she lives debt-free in The Best House in Melbourne.

The line of, “You live for the fight when it’s all that you’ve got” was how she lived her life for years, with extreme frugality being her main weapon. Imagine if I could send a message back to her – to tell her to chill, that everything was going to work out fine.

I can’t do that. So I stood there at the MCG and sang her song.

With gusto.

You can have everything you want… just not all at the same time.

Sometimes when we’re on the road to FI/RE it seems like nothing’s happening. We set up our finances, we learn about asset allocation and we teach ourselves what how and why to invest. Then, once all that’s done, it seems like it takes forever before we get what we want. We keep commuting into work, putting in the hours, daydreaming about how different our routines would be if we were financially free…

But yesterday, something happened that got my mind on a different track. See the gorgeous Maple tree I’m carrying like an umbrella? I’ve wanted a Japanese maple tree since forever. And now I have one.

Over the years I’ve noticed that I always get what I want. Always. The only ticklish thing is that it’s rarely at the moment that I first desire it.

Delayed gratification’s definitely a recurring theme in my life. I can’t remember which famous person said, “You can have everything you want – just not all at the same time.” It was probably Oprah, Gandhi or Mussolini. Whoever it was, they were absolutely right.

And now I want FI/RE.

Years ago, back when I was a mere child, I thought that one day I’d like to own a grey cat. I don’t know why – maybe grey goes with any decor? I’d already fulfilled my ambition to own a tabby cat after reading Paul Gallico’s beautiful novel ‘Jennie’, and a grey cat was the next desire.

I’d completely forgotten this until I was looking for a kitten to give to David12 for Christmas. I went into the Lort Smith Animal Hospital, because back then you could get a desexed and vaccinated kitten for $50 and save it from being put down, which fulfilled both my strict budget requirements and the ‘feel good’ factor. I walked in and there in the kitten room was a skinny grey kitten with huge green eyes. My childhood dream came rushing back to me.

I ended up walking out with two kittens – Daphne and Maris. You should have seen Jordan12’s face when he opened the box under the Christmas tree! Maris lived to a ripe old age and this was a photo of her favourite sunning spot. I could never plant anything in this wicking box because it was ‘her’ box.

The Cavaliers are another example. When I was a kid we lived on a busy road. It was murder (literally) for pets. Our third dog, Bonnie, survived for about 4 years and we thought she was safe. Past the silly puppy years… you know what I mean. She wasn’t. We didn’t know which breed she was until 5 years later, when I picked up a book of dog breeds at my boyfriend’s house and there on one of the pages was Bonnie.

Two years later I bought Sarah and I ended up breeding and showing many beautiful cavaliers for about 6 years before I started breeding baby boys. I’ve owned cavaliers for the past 30 years. Poppy (on the bottom) and Jeff (on the top) are direct descendants of Sarah and are the latest in a very long line of Cavalier King Charles Spaniels that I’ve owned.

Sometimes when wishes are granted, you get far more than you bargained for!

I waited a long time for this one. This is Evan18 on his Valedictory night. He was the last one to get through secondary school. After putting everything on hold for so long for the four boys – this night was a huge milestone for me. I had a long-term goal of getting to Europe and I said I’d do it when all of the boys had finished high school. Look at my face. I’d already booked the tickets!

This is an example of a milestone that I knew was coming. When going for FI there’s always dollar figures that we know we’ll eventually reach if we keep on plugging away. You feel like the cat who stole the cream when you reach them.

I’ve always wanted someone to throw me a surprise party. It never happened, until my first year 12 Theatre Studies class threw me a surprise dinner when I took a term off to go to the UK and Europe. Look at their naughty little faces! They got Evan19 to pretend that he was going to take me out to dinner – and then up they popped. Such a lovely group of kids. And without knowing it – they brought another wish to fruition, but not in a way that I would ever have forseen.

How often does this happen? An opportunity pops up and because we’ve been looking at life optimisation, we recognise it and grab it? An unexpected windfall, a job offer or something? It’s not always a hard slog to the finish line – unexpected surprises can pop up and brighten the way.

When I was planning my big trip to Europe when I was 15, I would have been aghast if I’d known that I wouldn’t make it over there until I was 51. This is Westminster Cathedral. The history that’s buried within these walls is incredible. I felt like this was my spiritual home In London.

In a funny way, being forced to delay my trip for a few decades meant that when I finally got there, my knowledge was so much richer. I’d had the time to read, to think and to broaden my view. Instead of racing through the cathedral to tick it off a list, I was able to wander around, getting goosebumps at sometimes what seemed like obscure little markers and gravestones – unless you know your history and realise who these people were.

Sometimes the roadblocks and delays end up being a good thing. The trouble is, it’s very difficult to see that at the time! It’s only later that we look back and recognise the benefits.

I’m a Tudor history girl, so a trip to Hampton Court Palace was an absolute must. It was where Henry VIII lived, after all! Look at the red velvet cloak that I was swishing around in. It was in the middle of summer, but for an Aussie, it was still a bit nippy.

This was the realisation of a long-held ambition. I was so happy. I consciously revelled in every moment.

This photo has 2 things that have come to me late – one that I intentionally organised and the other was pure serendipity.

The emerald ring is one I bought when the boys and I went to Thailand in 2007 – a full 20 years after I saw a friend’s brilliant emerald ring and loved it. Many emeralds are a bit wishy-washy in colour, so when I saw this one for sale at the resort’s gift shop I had to have it. It was practically the only souvenir I brought home with me. I’d never forgotten that ring and I was ready to pounce when I saw the chance.

The other one was pure luck. See the table? This is the VERY TABLE THAT JANE AUSTEN WROTE HER NOVELS ON. I went to her home in Chawton with a friend, but I had no idea that so many genuine artefacts were there. I’ve touched her writing desk with my own hand. (Well, I could hardly have touched it with someone else’s, but that’s beside the point.)

Sometimes the things you encounter along the way are the most beautiful surprises.

Here’s another goal that I kept in front of me for years. Haworth parsonage, where the Brontë sisters lived. I booked my mini-tour through England because this was one of the stops. This was a milestone in my life. It was a goal I’d set since reading ‘Wuthering Heights’ and ‘Jane Eyre’ all those years ago and it was so darned satisfying to walk through and be where they had been.

Here’s Milly in Wales. I was missing Poppy and Jeff so much while I was away and when I saw this puppy I had to stop and have a pat and a chat. When I found out that this ‘puppy’ was actually 4 years old – I knew I had to have one.

Like all of us on our FI/RE journey, I put a strategic plan in place, researching through my contacts in the Aussie dog world to find out who was the best breeder in England for miniature wire-haired dachshunds, (turned out it was Milly’s breeder, which was nice), then emailing her and asking if she’d exported any stock to Australia. It helped that I’d once owned a Cavalier that one of her best friends had bred, back in the day. She put me in touch with a breeder in Queensland and, 18 months later:

Success! Scout flew down to join us.

Things like this give me hope that my plotting and planning to reach FI/RE will move equally well. That 18-month wait for the breeder to have a litter with a girl that suited us seemed like a long wait at the time, but looking back? It went like a flash.

I suppose the secret is to set big, lofty goals and then enjoy the smaller milestones and surprises along the way. I’ll close with my win from last night – I’ve been waiting for what seems like weeks for both of the boys to be away from home for dinner, so I could make myself a ‘fakeaway’ dinner of frozen chicken schnitzel and chips.

I know, I know, it looks disgusting as it goes into the oven. It didn’t look that much healthier coming out, either. But I was chuckling. I’d hidden those packets away in the freezer in the veggie section and neither of the boys had found it. Success!

Enjoy the journey and celebrate the small wins – even ones as small and as selfish as this one. The journeys we’re all taking to our lofty goals of freedom may seem as if they will never end, but I have faith that when we turn around and realise we’ve succeeded, it’ll seem like it took no time at all.

🙂

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