Join Date: Nov 2005
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A very good question about our sailing "golden" years! I have the same concerns about where to go, what to do should I decide to sail off into my retirement. That''s a great plan, but the body does grow feeble after a while. Even living aboard tied up in a marina might be impossible due to inabilities to climb the companionway, etc.
In my current incarnation, I work for a certain gubmint agency that collects and pays out lots of money to retirees. What lots of people fail to realize is that social security is not meant to be enough to live on. It''s only supposed to replace 30-40 percent of pre-retirement income. And what I hear you saying in all likelihood is lots of "freelance" work with pay that may be under the table <cough>, or may not even be enough to earn coverage for payment (assuming you aren''t fully covered now.)
Social security also handles the Supplemental Security Income program, which replaced the old state welfare systems back in the ''70''s. you don''t need coverage for that, but it also is a pittance compared to what most people would consider a decent income.
In short, the life you''ve outlined may be one of devout poverty and deprivation far down the road when you and your husband can no longer work. even a ship''s carpenter needs to be able to move around. Maybe I''ve been around too many 80 and 90 year olds lately, but when frailty hits, it''s not a pretty sight. You''ll likely end up in a state supported long term care facility, which is a bleak prospect.
I know I am talking an extreme here, but it''s not that far from the reality of many senior citizens. personally, I think you''re right to worry about it.
I''m also reminded of this story. A young woman is in line at the super market and notices an elderly lady behind her in line with cheap cans of tuna cat food. Knowing that such food often contains impurities some cats can''t tolerate, the younger woman says to the older one, "I know those cans of cat tuna are cheap, but they aren''t the best thing to feed your cat." The older lady responds, "It''s OK. I''m the cat."