I've never had kids, mainly because my ex husband didn't want any, so I'm still holding it together. I'm 5' 8" and I keep my hair shoulder length so that it is easier to maintain. I'm a brunette and because I swim often I don't bother with colours etc, they simply don't last. I sauntered down to the waters edge and then ran straight into the next wave. I don't believe in checking the water before diving in and today was no different. The water was just right. I spent about 20 minutes in the water enjoying the waves and the relaxing movement of the water. I noticed that the four boys were out of the water and playing a bit of beach cricket on the sand. I call them boys because they were all about 18 or 19. Boys to me. I swam into shore and wandered over to my towel and dried myself off. I took the time to examine the boys as they mucked about. When one of them waved to me I knew that I had seen them before. I couldn't believe it but they were all students from last years Year 12. I. I didn't make any comment and I decided tocontinue with some practical matters. "I have been thinking what itactually means to our finances my possible early retirement. I'll loosehalf my income but you are doing very well at your job and if I remembercorrectly you are about to get a substantial salary raise. Then ourdaughter is 22 already earning her own money and there are no mortgagespending or any other financial obligations, don't you agree Pam?"She looked at me with a renewed interest. "The way you talk Nick is asif you decided already to retire. Yes you are right I am doing well atmy work I am already an associate partner receiving extra bonuses and Iam about to get a substantial raise and yes our finances are veryhealthy. So yes again it is true we can face the change financially, butfor me the challenge is elsewhere. In fact you didn't answer my questionhow you are going to use your free time." She stopped and looked at meexpectantly for an answer.I hesitated a bit because I.
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