My Current Financial Situation is Scary.. I fear Retirement

Retirement is one goal for anyone who has done a long time of working and toiling. For some people it is done when there are gray hairs on the head, while for others, in this new era, it is when they call it a stop that it ends. Retiring is fun, seeing that you do not have to do anything, all day. Just wake up, rock your chair, go to the poll, and/or go for vacation. At the end, you are going to be enjoying yourself and spending time with the people you want to be around you (if you are someone who loves people around).

*this is how I look currently... image Source

While is beautiful, one less beautiful thing about retirement is that you will keep paying bills, which at the time of retirement would have increased to when you were in service, thanks to inflation. I have heard a lot of people worry themselves about their retirement, and painful enough, so many of them do not even have a pen to their name.

Away from the long writing and back to reality

My Fear to Retire

Currently, I have made several wrong financial decisions, and my thoughts are starting to become worries, with a lot of debt tied around my neck. This is something I wake up every day finding a way to get out of it, and I put in all my earnings into it. I really am scared of every day that passes because most of this financial decisions weren’t based on spending lavishly, or misappropriation of funds, they were just money invested that didn’t yield profit but rather came with losses that needs to be repaid.

With this, I start to ask myself how my retirement will be like. I am sure housing and housing repairs won’t disappear, at the same time, daily expenses will continue and I do not know how I will keep up. There will be no work to do at that point and it is very scary seeing that my work now can’t even sort the mess I am in currently, so I begin to ask myself; will I survive this?

Mistakes are inevitable in life, causing depression, continuous headache, like what I am passing through now, and restlessness at the same time, and finding a solution to this mistakes can look like a mission impossible, and this scare me a lot. Trying to sleep, so I can get away from my reality isn’t helping out, because I end up not being able to sleep, and when I end up sleeping, it is like my brain starts to display horrible dreams making me worried.

The Truth, I am worried about my present financial status, as well as I am worried about what the future holds when I retire.

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