Ellensburg is where your author lives; Eugene is home.

In two weeks’ time your author will be back home in Eugene, Oregon, leaving Ellensburg and its one-and-only Wells Fargo ATM in the rear-view mirror of my little green chariot (Mazda Miata).

He and his bride, Jeanne, will embrace the term, “Zoomer,” or Baby Boomers with not-so-many miles on the odometer and plenty of fuel in the tank.

There is a world of difference between doing what you want to do, and what someone else demands that you do … enough of the latter, particularly make work.

For the Baby Boomers there are the older Boomers (born 1946-1954; 72-64 years of age), and the younger Boomers (arriving 1955-1964; 63-54).

Let’s face it, the vast majority of these Boomers (born in 1956 or before) have reached retirement age. The balance of the generation will reach 62-years-kinda-young in each of the next eight years.

And please don’t think the non-descript X-Gens are off the hook as the oldest of this soon-to-be-forgotten generation are turning 53 this year. The youngest will reach 40 in two years.

The real question is will these Boomers embrace and celebrate retirement or will they be involuntarily put out to pasture kicking and screaming?

Shouldn’t retirement be a choice, your decision in particular?

Shouldn’t we anticipate our Zoomer years, including a healthy lifestyle and a F-U account?

That would be the plan.

Your Choice or “Their” Choice?

What is the one word that aptly describes Baby Boomers who loyally held one job for 10 years, 15 years, 20 years, 25 years … ?  Stagnation.

Way too many times Almost DailyBrett has been on the receiving end of conversations which begin with the following phrase: “I worked for them for 15 years, and this is what …”

Maybe the fact you worked for one organization, essentially doing the same job says more about your inability to embrace change than the younger employer, who eventually decided it was past time for you to go.

The new boss may have questioned your return on investment (ROI). Management may see you as a fungible commodity (younger, cheaper models are available). You may be regarded as a depreciating asset in a digital native world. And finally, machine learning (AI) may be easier, cheaper and with less hassle (no vacations, health care expenses, drama …).

The real question is: Do you want to manage or be managed?

Here’s another pertinent interrogative: Will your F-U Fund expire before you expire?

Be honest with yourself and loved one. If there is a doubt about your financial longevity, it may not be time to retire, but at the same time you may not have a choice.

How can we as Baby Boomers avoid being pasteurized?

Think of this question as a metaphor. The hardest mental gymnastics is not when to buy the stock, but when to sell.

As Mad Money’s Jim Cramer has repeatedly stated: “There are bulls. There are bears. And pigs get slaughtered.” When it is time to sell the shares, then it is time to sell the shares. Never apologize for taking a profit.

Being honest and deciding when it is time to retire (e.g., my best friend of 41 years passed away last year at 62-years-too-young) changed the thinking of Almost DailyBrett.

Your author avoids the use the first-person singular (i.e., I, Me, Myself), but I made the decision in concert with meine Frau that summer 2018 would be the time to Zoom into the sunset.

No one else is making the decision for us.

We are managing. We are not being managed … and never will.