Hello world!


I belong to the “Baby Boomers” generation. Many years back, retiring from the work force was an option open to me. However, in the beginning of 2013, this changed. I was laid off, forced out of employment. This event impacted my lifestyle.

I filed for unemployment benefit and looked for work at the same time. My wife was working part time, earning minimum wage. Together with my wife’s income, my unemployment compensation and dipping into my 401K as well, we were able to keep up with the expenses – mortgage, utility bills, food and the premium for our medical insurance or “COBRA.” I was not yet 65 and not qualified to apply for Medicare.

For so many months my job search was futile. The state of the economy at this point in time left me no chance to be employed again. At the same time, by the end of December, 2013, my unemployment insurance ran out. I am now a retiree in “limbo”.

The expenses outgrew the income and so my wife decided to take early retirement. We continued to withdraw from  my 401K as needed to complement my wife’s part time salary and her retirement income to cover our mounting expenses. This is the ongoing challenge that we face going forward. How we will meet the unforeseen events that we face due to this unplanned retirement will be documented in my next update.


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