Why the Plan Changes and Why I Couldn’t Be Happier About It

About 5 years ago, my BH and I had set our sights on owning a cottage. The reasons for this were myriad – we wanted a place for family to regularly gather on vacation, a place where we could get away from it all at any time of our choosing and, eventually, a place to retire away from it all. We were in love with the idea of a quiet, peaceful, lakefront existence. We often envisioned many of our golden years being as cottagers. We developed a strategy to reach our cottage dream that included how much we would need to save each year, where we would need to cut back, where we would keep our savings to maximize returns, and how often we would need to rent out the cottage to help offset some of the expenses. It was the perfect plan for us.

Until it wasn’t.

Sometime between the moment that we decided on the cottage and today, the plan received an overhaul. We no longer see ourselves owning a recreational property, splitting our time and money between two fixed locations. We do, however, see ourselves renting a cottage in the future whenever we get the hankering for a taste of that life. But cottage ownership is not something we are striving for any longer.

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About Lighter Years Ahead

First and foremost, welcome to my neck of the (inter)woods

Please accept the sincerest of “thank yous” I have for you, gentle reader. In a universe of (almost) infinite virtual destinations, the fact that you made your way here and have gotten this far has not been lost on me. I appreciate and value your time, as I do mine, so I hope you enjoy Lighter Years Ahead!

What’s with the title? Why Lighter Years Ahead?

Although somewhat accustomed to it, I realize that I have accumulated a lot of baggage in my 41 years. This baggage comes in many forms, such as living with poor financial decisions, lack of proper health and wellness, having too much stuff at home, being overweight, suffering from anxiety and depression, procrastination, over-consumption (both in diet and in lifestyle), poor habits, and the list goes on and on. It is through letting go of this baggage that I will lighten the load that I carry with me in life. But I know that dropping the baggage and breaking the habits will not be easy.

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