Fitful night..Worrying…

Worrying is an enormous waste of time, especially during the night when restorative sleep is so vital to our well being. Each morning I am able to see how well I slept the previous night by plugging in my fitness armband to my computer.

As a lifelong fitness fanatic (“nut,” as Tom would say) I have been wearing a fitness armband for the past two years made by BodyMedia which tracks all my activities, calorie burn and sleep patterns which I can view on 
either my Android smartphone or laptop throughout the day to see how I am doing. My goal is take 10,000 steps per day, a tough goal lately while spending considerable time online these past months researching for our future travels.  

Each morning I plug the Bluetooth enabled device into my computer to recharge. As the data is uploaded, I can view how well I’ve slept the previous night. Invariably, my sleep pattern is totally dependent upon how much worrying I’ve done during the night. Last night my sleep efficiency was 81% indicating that approximately 19% of my lying in bed was spent worrying.
Sure, I may have spent 5% of the 9 hours lying in bedthinking pleasant thoughts, chatting with Tom, planning my day, wondering about the weather, and contemplating getting up. Subsequently, I actually slept about 7.5 hours, certainly plenty on an average night.
Why spend any time worrying? My theory has always been that worrying is only beneficial when the avoidance of it is so powerful that it inspires one to change that which they worrying about. Otherwise, it is wasted energy, time, and health. Years ago, my eldest son Richard, reminded me of this quote: 
“Worry is interest paid on a loan that never comes due.”
 
Tom has reminded me of Richard stating this quote many times over the years. Oddly, for most of us, we worry at night. As we busy ourselves with the activities of our day, our worry dissipates, only to be revived in the middle of the night. Years ago, I made a pact with myself: if worry appears during the night, do whatever I must during the day, to make it go away.  
 
Today, I have a bit of a dilemma. What task is necessary to stop worrying about one small part of our travels that kept me awake last night? Here is the source of my worrying, that started last night while reading online about traveling to Belize this upcoming January 29, 2013, a mere 9 months away: 
 
We will take the cruise from Miami, disembarking in Belize City, one day before its final destination. We were able to get permission from the cruise line to disembark early at Belize City, it’s second to last port. There are no cruises that actually “end”  or “begin” in Belize City with the reverse occurring when we leave on 4/9/2013, in both cases, missing out a few days of the cruise. The pricing both ways was less than the cost of a hotel, airfare and meals and thus we have been thrilled with this plan.
 
So, what am I worrying about? When we arrive in Belize City on January 29th, we must find a way to get to Placencia, Belize, a 17-mile long peninsula, a four-hour drive from Belize City! This map illustrates the location of our rental property. Toward the right side of the page is item #69, listed as “Decked Out House.”  I was worried…how do we get there? Here are the options:
1.  Rent a car in Belize City for the entire two and a half month period at the cost of $3000+. They don’t allow other “drop off” locations leaving us stuck with a car the entire period, barely using it with so much within walking distance as indicated on the map.
 
The popular means of transportation in Placencia is a nearby (walking distance) golf cart rental for about $10 hour, handy for grocery shopping, and nearby sightseeing. We anticipate that we’ll rent a golf cart for 8 hours a week.
 
2.  Fly from Belize City to Placencia at a cost of approximately $400 round trip for both of us plus cab fare from the airport to property about $40 plus the cost of the golf cart. Little prop plane. No thank you. Golf cart rental plus airfare for a total of $1240
 
3.   Shuttle: $175 each way for an air-conditioned shuttle, leaving at specific times each day (may require some waiting) plus the cost of a golf cart for 8 hours a week for a total for entire period = $1150
 
Writing this down today, calculating the costs, realizing we won’t fly in the little plane, the solution is clear…we will use the shuttle and rent the golf carts for 8 hours a week. If we decide we want to wander further away from Placencia, we’ll rent a car in Placencia, for one day at a time. Worry dismissed!
 
What will I worry about tonight? Our Placencia rental is from February 1 to March 31, 2013.  Our cruise drops us off on January 29th and our picks us up on April 9th. Where do we stay on January 29, 30, and 31st? Where do we stay from March 31 to April 9th?  
 
In checking out hotels on either end, it appears the average night in a decent hotel will be no less than $200 a night, plus transportation for 11 days, plus meals for 11 days (requiring us to eat every meal in a restaurant), plus taxes, plus tips may total $4000 or more, the usual cost of an 11-day vacation in Belize. This doesn’t comply with our budget and can throw off our numbers.
 
Time to get back to work on the Internet to find a solution for this dilemma, get that sleep efficiency number up to 95% tonight, and get in my 10,000 steps! Once this is done, I can start worrying about the zip line in Belize! Ha!

We don’t like flying…

It’s not that we’re fearful of flying. We’re not. We both say a prayer upon take-off and landing, asking God to take us to our destination safely and praising God for the minds and skills of those individuals instrumental in creating and flying these beasts of the sky.

In our earlier discussions of the possibility of world travel upon retirement, we had this brilliant idea (so we thought) that we could avoid flying and cruise from location to location. In the planning of our first year, we are able to avoid stepping foot in an airport from October 31, 2012 (retirement/departure date) to September 1, 2013, when we will depart from Rome to arrive in Diani Beach in Mombasa, Kenya for our upcoming three-month stay.

In looking at a world map, it’s easy to ascertain that cruising from Italy to Kenya is challenging, if not impossible. The trip through the Suez Canal is wrought with dangers of political strife and rampant piracy, which prevent many cruise lines from sailing through these areas.  

Also, the seaports in Kenya are shallow as described in this link about the difficulty China has in importing goods to African seaports, not only due to its shallow ports, but also due to a lack of an adequate river system to transport the goods throughout the continent. As a result, smaller ships travel to Kenya, vulnerable to piracy.  Not an ideal scenario for cruising.

There are a number of cruises that travel through the Mediterranean to Egypt, but only a rare few that continue on into the Red Sea to Kenya. The cruise we have booked for June 4, 2013, doesn’t sail to Egypt. In the future, we will experience a cruise to Egypt. After all, we will have all the time in the world provided good health prevails.  

We selected this cruise which departs from Barcelona, Spain, after our one-month stay in Majorca, Spain, to fill a two-week lag we had to fill prior to the availability of our rental in Tuscany on June 16, 2013.  The cruise ends in Venice where we’ll either take a train to Florence or rent a car and drive to the Tuscany Region to our rental.  

When analyzing the cost of this cruise to the costs of two weeks of transportation through Italy, car rental, hotels, and meals, it proved to be slightly more economical. We’ll have plenty of time to tour Italy while staying in Tuscany for almost three months. 

12 nights departing June 4, 2013, on
Norwegian’s Norwegian Spirit
Brochure Inside $2,399
Our Inside $1,249
You Save 48%
Brochure Oceanview $2,599
Our Oceanview $1,499
You Save 42%
Brochure Balcony $3,299
Our Balcony $1,929
You Save 42%
Brochure Suite $6,399
Our Suite $3,929
You Save 39%
$$$ Early booking bonus! Book now and receive a FREE $100 per cabin onboard credit and a FREE bottle of wine on select categories. Book select penthouse suite or villa categories and receive a FREE $300 per cabin onboard credit (call for pricing).
Promotions may not be combinable with all fares.
The prices shown are US dollars per person, based on double occupancy, and subject to availability. They include port charges but do not include airfare or (where applicable) airport or government taxes or fees.
Important Note: Visas are required for this itinerary.
ITINERARY
DAY DATE PORT ARRIVE   DEPART
Tue Jun 4 Barcelona, Spain 7:00 pm
Wed Jun 5 Toulon, France 8:00 am 6:00 pm
Thu Jun 6 Florence / Pisa (Livorno), Italy 8:00 am 7:00 pm
Fri Jun 7 Rome (Civitavecchia), Italy 8:00 am 7:00 pm
Sat Jun 8 Naples (Capri), Italy 8:00 am 7:00 am
Sun Jun 9 At Sea
Mon Jun 10 Mykonos, Greece 7:00 am 3:00 pm
Tue Jun 11 Istanbul, Turkey 9:00 am 6:00 pm
Wed Jun 12 Izmir, Turkey 11:30 am 7:00 pm
Thu Jun 13 Athens (Piraeus), Greece 8:00 am 6:00 pm
Fri Jun 14 At Sea
Sat Jun 15 Venice, Italy 2:00pm
Sun Jun 16 Venice, Italy Disembark

As always, we have booked a Balcony cabin.

And thus, we are limited by our transportation to Kenya. Train travel through Africa appears interesting and varied, but the uncertainty of train schedules and creature comforts didn’t quite fit our goal of “wafting through our worldwide travels with ease, joy, and simplicity.”  

Simplicity and ease would not include dragging our bags through various train stations, often waiting overnight while sitting on a bench awaiting the next train. That, definitely would not be “joyful.” After all, we aren’t in our 20’s any longer. 

We’ve discovered that careful planning, well in advance, better prepares us to handle the “unknowns” we will encounter along the way.  

Flying to Kenya and three months later to South Africa could result in sleeping on the floor in an airport with our heads on our carry-on luggage due to a delayed or canceled flight.  It could also result in delays at custom checks or as a result of overweight checked baggage. It may result in our being unable to sit together on the flight. We’ll take these risks, albeit hesitantly, and book the flights as the time nears.

Once we arrive in Diani Beach, unpacked our bags, and get situated on the veranda, we’ll be quite content.

Giving up habits..Wean me slowly!…

Bye, bye tea!

“They,” say it takes three weeks to break a habit. Yes, we still have six months and fourteen days until we leave for our adventure, but I feel compelled to start weaning myself off of some of my habits and routines. Most likely, Tom will bring his habits with us! 

We often chuckle over our routines and habits, as written in the first entry in this blog on March 14, 2012, describing in painstaking detail how we jointly manage to change clocks twice a year for daylight savings. That bi-annual event is but the tip of the iceberg!

Creatures of habit, we are! As we anticipate the homes we will occupy in the countries we will visit, many of our familiar and comforting routines will be tossed aside. Never staying long enough in any location to firmly establish new routines, we will strive to find ways to feel at ease and comfortable in someone else’s space.

The master bath in our home has a sink with brass fixtures, a bit outdated, but still attractive and befitting our lodge-like home on a lake here in Minnesota. The faucet in the pedestal sink drips. Over the years we’ve had several plumbers looking at it, telling us that the faucet cannot be repaired and must be replaced with a more current design. It still looks quite nice.

The faucet leaks when not shut off tightly (mostly by me). It drips onto the brass ring and stopper at the drain. This annoys me. Two to three times a day, I get out the Barkeeper’s Friend with a little sponge kept at the bottom of the closet (have to bend over each time), wet the sponge, sprinkle the Barkeepers, and scrub the drain until it sparkles, drying off every last drop of water with a piece of toilet paper. 

Good riddance!

Throwing the t.p. in the toilet, I consider flushing it but don’t. Why waste water?  Why don’t I throw it in the little plastic bag inside the little decorative brash trimmed, off-white porcelain trash can? Simple, I don’t want to have to feel compelled to empty the trash! (Now you can see why the details of planning this extended many years life of world travel, make me feel right at home as if you didn’t already know)! Two or three times a day, I do this! Twenty-six years!!!

Will I immediately go to a grocery store upon arriving in Belize, buy a Barkeeper’s Friend equivalent, and a small scrubby sponge to run back to our little ocean side house and start scrubbing the sparkly stainless steel drain two to three times a day? I don’t think so. Some habits will die on their own. Good riddance!  

However, other habits will be harder to break. This morning, as usual (another habit) I awaken at 5:30 am. I get up, hit the loo (Ha! Look, I am already getting more familiar with foreign expressions!), brush my teeth, wash my face and put in my contacts in order to see and go back to bed to look at my phone, an AndroidX loaded with 100’s of apps, but only a few I habitually use: Gmail, Facebook, Pulse, and Amazon Kindle Free App (containing my latest reading obsession).  

This morning I realized that this may not be possible once we are no longer on US soil. Yes, we will have access to the Internet on our laptops, many times provided as wireless broadband by the property owners. During these periods, we will be unable to use the Internet on our phones unless we are willing to pay outrageous fees. 

When I calculated the possible fees, it would be about $5000 a month for playing with our phones, considering our current megabyte usage, utilizing our current service provider! No thank you! (We will get into this in more depth on this topic as we move along here and discuss XCOMGLOBAL and SIM card options). Thus, another habit to break! Playing with our phones! Yikes!

We have three flat-screen TV’s as do many Americans, one in the living room, one in the bedroom, and one in the kitchen. From the moment we are up and about, until going to bed, the TV is on in the background, quietly or off when talking or loudly when watching due to Tom’s hearing loss (42 years on the railroad).  

Although recently distracted with our laptops; Tom with ancestry, me with travel stuff, we usually spend most evenings together watching shows we programmed during the week. This “getting outside your head” form of entertainment is a delightful respite from the stresses of everyday life.   

Most of the vacation rentals will have tiny hard to watch old TVs with shows in foreign languages. No more piling up our plates with tasty homemade dinners to sit and watch yet another episode of “Downton Abbey”, “Dexter” or one of our favorite mindless, sinfully deliciously reality shows.  

Guess we’ll watch TV on our computers when we have Internet access or watch the many movies we plan to download to a yet-to-be-purchased portable four terabyte external hard drive.  

Here’s another habit, hard to break. Every afternoon at 4:00 PM, I brew tea, one cup at a time, at exactly the correct temperature, with precisely the same pot, for exactly three minutes, with a certain strainer, a special timer, a sterling silver spoon, in a pale green cup, with 3 drops of liquid Stevia, my own version of Happy Hour.  
I only like one type of tea, Pouchong, a hard to find, buy-online-only tea grown in the spring in Taiwan. I have tried numerous other teas to no avail. Oh, no! The bag of tea, the strainer, the cup, the timer, the Splenda, the pot, the spoon all weigh 2.7 pounds which equals 3.85% of our allowable luggage when we fly. Bye, bye tea!

Finally, the itinerary…

Admittedly, I have procrastinated about posting the itinerary. Procrastination is not my style. I am a “get-it-done” kind of person who contemplates a task in advance, sorts out the details, and then fires away. Why, the procrastination?

There are a few reasons. One, as indicated in today’s earlier post, I was definitely preoccupied with the pending immunization appointment, and two, I’ve been wrapped in the details of the rental house in France, which is now complete.  

We have yet to book a portion of the time in Europe and in Hawaii (primarily due to the hesitancy of property owners committing so far out). In addition, the last three cruises, although upcoming and available, have not yet posted for bookings.

Will we continue traveling after experiencing this itinerary?  

Yes, we will if the following prevail as planned: Are we healthy? Did we follow the budget? And of course, do we want to?

Location Days  
11/2/2012-11/4/2014
Minnesota drive to Scottsdale AZ
3
11/4/2012-1/2/2013
Scottsdale Condo Rental 
61  
(included in the above)
Scottsdale to Las Vegas-hotel
5  
12/30/2012-1/3/2013
Scottsdale to San Diego – stay with family

4
 
1/3/2013-1/18/2013
San Diego to Fort Lauderdale – Panama Canal Cruise
15  
1/18/2013-1/20/2013
Fort
Lauderdale to Boca Raton- stay with a friend
2  
1/21/2013-1/29/2013
Fort Lauderdale to Belize – Cruise
8  
1/29/2013-4/8/2013
Belize Rental-House on beach
70  
4/9/2013-4/13/2013
Belize to Miami Cruise
3  
4/13/2013-4/20/2013Miami
Visit friends in Boca, Bonita Springs
7  
4/20/2013-5/1/2013
Miami to Barcelona – Cruise
11  
5/1/2013
Barcelona to Majorca (RT) – ferry
0  
5/1/2013-6/3/2013
Majorca Oceanview
Condo Rental 
33  
6/3/2013
Majorca to Barcelona-Ferry 
0  
6/4/2013-6/16/2013
Barcelona to Venice- Mediterranean Cruise
12  
6/16/2013
Venice to Tuscany-Train
0  
6/16/2013-8/31/2013
Tuscany Rental-17th century villa
76  
8/31/2013
Tuscany to Rome-Train
0  
9/1/2013
Rome to Kenya-Flight
2  
9/1/2013-11/30/2013
Kenya Rental- Diani Beach house
90  
11/30/2013
Kenya to South Africa-Flight
1  
12/1/2013-3/26/2014
South Africa Rental-Kruger National Park – House
115  
3/26/2014
Kruger National Park to Durban, South Africa-driver
0  
3/26/2014-3/30/2014
Durban to Cape Town-Cruise
4  
3/30/2014-4/17/2014
Cape Town to Genoa- Cruise                             
18  
4/17/2014-4/18/2014
Drive to Genoa, Italy along
French Riveria, to Hotel in Cannes
1  
4/18/2014-5/17/2014
Cannes to 16th Century
Stone House, Cajarc, France
30  
5/17/2014-9/17/2014
Spain, Portugal, London (take the Chunnel under the ocean) rentals
123  
9/17/2014-10/1/2014
London to Fort Lauderdale-Cruise
14  
10/1/2014-10/5/2014
Fort Lauderdale to Boca-stay with friend
5  
10/5/2014-10/19/2014
Fort
Lauderdale to
San Diego Cruise
14  
10/19/2014-10/22/2014
San Diego to Baja CA
-Hotel
3  
10/22/2014
Baja CA
to Ensenada,
Mexico
0  
10/22/2014-11/2/2014
Ensenada Mexico to
Honolulu Cruise
11  
11/2/2014-3/31/2015
Hawaii – Home Rentals-Island Hopping (Christmas booked with family on Big Island during this period)
150  
Total
Days Booked to Date (more will follow)
880

Photos of rental properties will be coming soon. Thanks for stopping by!

Ouch!…Plunge, twist and release…

After two hours of being terrified at the prospect of contracting one of many horrifying diseases throughout the world, I left the Park Nicollet Travel Immunization Clinic with my head swimming. WHAT ARE WE DOING????

If we don’t die from the side effects of the Yellow Fever or Typhoid shots, we might die from one of the many diseases for which there is no immunization or treatment! Why tell me, overly efficient, profoundly knowledgeable, delightfully warm Travel Nurse Marcia, who hugged me when I left, that we could die?  

On information overload and losing my competency to make reasonable decisions, I agreed to our taking $10 a day malaria pills (fewer side effects) that we’ll need to take for eight-plus months, $700 rabies shots, $80 for tuberculosis tests, and also, an array of 10 or more other vaccines that will total in the $1000’s. We sure hope the insurance company will pay for these. I hadn’t budgeted $300 a month for malaria pills!

I felt as if I were buying a car from a persuasive, albeit highly competent “salesperson” who was trying to sell me safety features that invoked so much guilt that I couldn’t resist buying. I signed up for everything. Oh, I did hesitate on one thing, flu shots. Why would we need flu shots that are derived from viruses only prevalent in the US? Go figure! What if we went out to dinner with an American couple we meet on a cruise ship who currently has the flu? We signed up for that too!  

The dreaded Yellow Fever shot will be on May 1. I am terrified. Four people died from the vaccine alone (OK, four deaths of out one million, not quite a high risk). I said to Travel Nurse Marcia, trying to reassure myself, “Those four people could have died that day anyway, right?” She reassuringly nodded her head. On May 1, please pray for me. Later, for Tom.

Tom has yet to go to his two-hour appointment. I suggested that Travel Nurse Marcia not tell Tom everything she told me for three reasons: 1. He gets bored listening to medical stuff. 2. He’ll pretend to be listening when he isn’t. 3. He’ll refuse the shots and tell her to take a hike.   

Oh good grief, I can picture my dear husband, sick with some dreadful disease, ensconced inside a mosquito net, with me at his side, frantically trying to nurse him back to health. Sounds like a scene in a movie! No, thank you. PLEASE my dear handsome, charming, funny, adorable, “best husband in-the-world,” agree to get your shots, take your $5 pills with food and SHUT UP about it!

So, lovely Travel Nurse Marcia left the room after handing me my stack of 100 CDC documents to read, moments later returning with a tray loaded up with four, that’s right four, giant syringes on a sterilized stainless steel tray. She gently set the tray down on the counter, leaving the room again. I stared at the tray, my heart pounding so hard, I could hear it in my head. Minutes later, she returned instructing me to get up on the exam table.  

The rest is a blur, rolling up my sleeves, taking a deep breath, feeling the brutal violation of my pale winter skin while each of four syringes plunges deep into the tender flesh of my upper arms. OUCH!!! It felt as if she “plunged, twisted, and released” those horse-sized syringes. Then,  it was over, for now at least. I waited for something to happen. Nothing happened.

After sleeping fitfully all night, unable to lay on either side. My arms hurt as anticipated from the warning by Travel Nurse Marcia. After two huge cups of coffee this morning I’m back to my “old” self, dressed in workout clothes, off to the gym and then to the bank to transfer the 25% deposit in 1481 francs (today’s going rate, which is about $300 US dollars) to the owner of the charming “Stone House” in Cajarc, France for one month beginning April 18, 2014 (yes, 2 years from now). Nothing like planning ahead!

BTW, the itinerary will follow later today. 

Bag the bags!…

Writing a blog about upcoming travel is very different than writing after traveling has occurred. Although we both have traveled extensively in the past, long before we met and little after we met, we know full well that predicting the outcome of future travel, its level of enjoyment and personal enrichment is highly speculative.

There is no doubt that later on, as we roll out each leg of our endless itinerary, that we may change our minds and subsequently change or add to these criteria that we have determined as important for financial success (staying in the budget) and security (of traveling exclusively utilizing our monthly income as opposed to using investments/saved funds).

The process of explaining this is a bit tedious for a writer such as me, preferring a more “flowery” and “expressive” type of writing, as opposed to the more “clinical” aspect of describing this process. 

Undoubtedly, as we move along, traveling and writing, there will be a 50/50 ratio between technical details and the emotionally enlightening experiences such as cruising through the Panama Canal during its extensive renovation, catching our first king salmon in Alaska, and feeding a giraffe through the window of our temporary home in South Africa. The first 571 days of the itinerary will follow soon.

Here are our “rules” so far…

Criteria #1: Do not have a permanent home!
Criteria #2: Do not own cars! 
Criteria #3: Do not stay in hotels unless absolutely necessary!
Criteria #4: Do not pay more than that which we were willing to pay for rent in our chosen retirement community!
Criteria #5: Use the cruise!
Criteria #6: Bag the excess baggage! Cruise lines are more liberal on the number and weight of bags than airlines. In the first 10 months of our itinerary, we won’t step foot on an airplane. The temptation is to load up our two suitcases each and our carry on bags. 

Upon investigating baggage fees, for example, for the possible airlines that can fly us to Africa, the fees are astounding. Some only allow 44 pounds in checked baggage per person! When we flew to Florida for 7 days last fall, we each had two bags totaling 100 pounds! I calculated that we would have had to pay an additional $800 each for overweight baggage, more than the cost of the flight per person from Rome to Kenya!

How will we pack lightly? Can’t imagine! Even Tom has a penchant for packing everything he owns when we’ve traveled in the past. Later on, we will write about how this preposterous scenario will unfold.  

How will a woman, such as myself, pack lightly, one who insists upon using a wide array of cosmetics, having a fresh change of clothes daily, likes a certain tea, a certain coffee bean, a certain low carb sweetener, a certain baking pan and an endless array of gadgets? 

What about workout clothes and the requisite rotating tennis shoes? What about the 20 different bottles of vitamins and supplements we each take in what may prove to be a futile effort to stave off “old man time?”  What about heavy jeans, jackets, rainwear, hiking boots, Tom’s suit, and my evening dress (dresses) for “dress up” dinners aboard the cruise? I’ve spent hours reading about how to pack for travels; two pairs of casual pants, four tee shirts, one dress shirt, one pair of dressy shoes, one pair of walking shoes, a raincoat, an umbrella, and la la la.  

Last week I bought a travel scale. I weighed it on the kitchen scale. It was advertised at 1.5 pounds, but in fact, weighed 2.3 pounds. I am already using 0.052% of my allotment (44 pounds) on the scale itself! Oh, dear, packing is almost as frightening as the zip line in Belize!

Criteria #7 to follow next time. Please come back!

A dream is born!… Is it affordable?…Are we crazy?

We are everyday people. We aren’t wealthy. Tom worked hard for 42 years on the railroad. My career mostly consisted of owning a small real estate company experiencing varying degrees of success and failure, always subject to the turns of the market and my own life experiences, ups and downs.  

We’ve lived in a fabulous lake house with the upkeep that sucked up most of our income but rationalized it that the joy of living here together was worth the expense and sacrifice. Our retirement income was growing due to Tom’s contributions and we didn’t really worry much about the future.
Then the economy burst and we, like so many others, lost a chunk of security while at the same time my desire to battle the failing real estate market waned day by day. I threw in the towel and retired eighteen months ago. Good grief, I applied for Social Security, after paying in for 45 years. It was hard to believe that time flew by so quickly. It was only yesterday we were chugging Vodka Gimlets and dancing at the disco.

I had often said that I’d never retire having loved the clients, the excitement, and the gratification of helping people make the biggest financial decision of their lives. It was now over. I felt sad. What would I do but wrap myself up in the eventuality of Tom’s retirement?

My goal was to come up with some ideas to present to my exhausted husband on the weekends who still working twelve-hour days this late in his career, along with the two hours of driving time. I had felt a little guilty being home, not contributing more than packing his three-meal-lunch each day and the basic, relatively easy everyday running of our two-person household.

The days until Tom’s upcoming retirement had been a daily reminder in an app I had installed on my DroidX phone, Retirement Countdown Free that today says: 7 months, 16 days. I look at it every day. It doesn’t seem to move. But it does. It’s Halloween. I keep counting on my fingers to ensure it is accurate. It is.

Strangely, during this time, we negotiated a deal, albeit at a loss, to be rid of our house to free us to move on. Not what we had wished. We knew that living on a retirement pension the upkeep would be prohibitive forcing us to live the last third of our lives in a perpetual state of stress, leaving no room to travel. We hadn’t been on a real vacation together in over fifteen years never wanting to spend the money or to leave, or a beautiful home.
Invariable, Tom and I spent the bulk of our vacation time working on projects around the house, him oblivious to his skills as a hard-working handyman. He can fix just about anything. I have been “the helper” washing the insides of the windows, cleaning, doing laundry, and happily cooking our favorite meals and desserts (more fun when we weren’t low carb, gluten-free).  

Neither of us ever minded the definition of the stereotypical male/female roles. We grew up in an era when gender roles were more defined than today. We never fought it. We never fought with one another over it. We relished in giving each other the very best we had to offer, without complaint, without judgment, without “snipping” (in itself, the secret to our marital success).

So, as we counted down the days, each weekend we began talking about that which most Minnesota “Snow Birds” do; move to a warm climate in an income tax-free state, downsize our “stuff,” sadly say goodbye to our family and friends, sell one of the two cars, and occasionally go on a Viking River Cruise with other “old timers” like ourselves.  

We finally relented buying the proverbial AARP card, good for a full five years. Wow, we can get a discount at Denny’s in Las Vegas, Perkins in Rapid City, or Old Country Buffet in Miami! Here come the Golden Years! Ouch, more than those crunchy joints are hurting!

In our typical fashion of online researching of literally every thought, our brains regurgitate, we investigated best places to retire in the US,  buying an RV, moving to a retirement community, or simply renting a condo in Scottsdale, Arizona while we think it over. Although not an income tax-free state, the climate is good in the winter, the desert appealing for its mysterious beauty and the population not unlike ourselves. A good temporary solution.
On my laptop, an Excel spreadsheet in front of me, I plugged in formulas and numbers to create a “feasibility study” to determine our future financial life considering the average rental cost of a typical condo, utilities, groceries, health insurance, medical including prescriptions and co-pays, cell phones and Internet, food and entertainment, etc. We could survive, we determined.  
It was Saturday afternoon, January 7, 2012. We had just reviewed the numbers in the spreadsheet while sitting in our usual comfy chairs in the family room, the TV on quietly in the background, freshly poured frosty glasses of iced tea on the side table, the smell of pot roast in the oven wafting through the air (love that word!) and we looked at one another, our eyes locked in a gaze as powerful as an embrace.  Tom took a deep breath and quickly blurted out, his words running together awaiting my reaction and said, “Let’s not have a home and travel the world instead.”  
I gasped. I paused. I said, “Wait, give me a minute.” I looked at the spreadsheet. I removed the rent, the utilities, the car and its insurance, the annual vacation, and all the expenses that would go away if one didn’t have a home.  

I added back the following onto the new worksheet: visas, taxes and tips, airfare, ferries, taxis, auto rentals, cruises, food (eating in 6 days a week, eating out once), a monthly (or longer) vacation rental home fully equipped with kitchen and all household goods, entertainment, unexpected expenses and on and on. We talked. We giggled. We dreamed aloud. We accepted that our preliminary numbers were subject to change as we completed more research.

The pot roast was done. The time had flown. We inhaled our dinner anxious to swallow the next bite in order to say something more, interrupting each other, as we often do. We couldn’t watch the favorite shows we had taped during the week. We talked all night long. The remainder of the weekend was a blur, fingers flying across the keys in our relentless pursuit of more and more information. 

Tentatively, tempering our enthusiasm, over the next several weeks, we came to this startling realization: If we didn’t have a home, with its fixed monthly expenses, we could travel the world as long as we wanted to, living off of our monthly income alone, as long as it met strict criteria.

Now, two and a half months later, after hundreds of hours of research, we have booked and paid deposits for 492 days beginning October 31, 2012, with more plans brewing imminently. Planning is a full-time job in itself.  

The next post will include: the strict criteria to make this possible. And soon, the set itinerary thus far, the resources we have used to make this possible, the endless list of “to do’s,” the amazing people we have encountered all over the world, and most of all the preparation we are making for all the “what if’s” that we will surely encounter along the way. Then, of course, there are the “unknowns” that we choose to acknowledge exist and pray that our good sense and resources will guide us along the way.

Fearful? A little. Joyful? A lot.