Showing posts with label Retirement. Show all posts
Showing posts with label Retirement. Show all posts

Wednesday, November 9, 2022

"We keep you alive to serve this ship", Dying lashed to the oar. Part 2 of societal institutions and work.

There's a fair amount of discussion here on retirement.

No, I’m not retired.  And I'm not close to retiring either.

And, frankly, if I listened to outside sources such as financial planners and advisors, as well as the Social Security Administration, and even the Wyoming State Bar, I shouldn't really think about retirement until I'm dead.

Eh?

Well consider this.

This election, the Wyoming State Bar is backed a proposal to raise the retirement age for judges to 75 years old. The life expectancy for American men right now is 77.8 years.  In other words, much like the wizard scene in The Princess Bride, you can retire when you are mostly dead, and hope to enjoy your mostly dead status until you are really, really dead.

And why?

Well, we need to keep the brilliant brains at work until their light goes out for good, while keeping the young brilliant brains toiling in steerage, apparently.

And, let's not forget, it's a huge cost savings to the State

Indeed, if the State gets really lucky, because our upper ages are increasingly a wild card, judges will start dying on the bench, and we'll never have to pay out a dime of retirement money for them! 

Wouldn't that be great!

We know that the State of Wyoming wants you lashed to the plow until you drop dead in the furrows, but what about everyone else?

Well, if you listen to almost any casual retirement advice, it's based on the age you can first take Social Security and you are discouraged to do that.

Depending upon your demographic, that can be age 62.  "Full" Social Security starts at age 65 or 67, depending upon when you were born.  

Here's the government tables on that.

How Your Social Security Benefit Is Reduced

If you start getting benefits at age *And you are the: Wage Earner, the Retirement Benefit you will receive is reduced toAnd you are the: Spouse, the Retirement Benefit you will receive is reduced to
6270.0%32.5%
62 + 1 month70.432.7
62 + 2 months70.832.9
62 + 3 months71.333.1
62 + 4 months71.733.3
62 + 5 months72.133.5
62 + 6 months72.533.8
62 + 7 months72.934.0
62 + 8 months73.334.2
62 + 9 months73.834.4
62 + 10 months74.234.6
62 + 11 months74.634.8
6375.035.0
63 + 1 month75.435.2
63 + 2 months75.835.4
63 + 3 months76.335.6
63 + 4 months76.735.8
63 + 5 months77.136.0
63 + 6 months77.536.3
63 + 7 months77.936.5
63 + 8 months78.336.7
63 + 9 months78.836.9
63 + 10 months79.237.1
63 + 11 months79.637.3
6480.037.5
64 + 1 month80.637.8
64 + 2 months81.138.2
64 + 3 months81.738.5
64 + 4 months82.238.9
64 + 5 months82.839.2
64 + 6 months83.339.6
64 + 7 months83.939.9
64 + 8 months84.440.3
64 + 9 months85.040.6
64 + 10 months85.641.0
64 + 11 months86.141.3
6586.741.7
65 + 1 month87.242.0
65 + 2 months87.842.4
65 + 3 months88.342.7
65 + 4 months88.943.1
65 + 5 months89.443.4
65 + 6 months90.043.8
65 + 7 months90.644.1
65 + 8 months91.144.4
65 + 9 months91.744.8
65 + 10 months92.245.1
65 + 11 months92.845.5
6693.345.8
66 + 1 month93.946.2
66 + 2 months94.446.5
66 + 3 months95.046.9
66 + 4 months95.647.2
66 + 5 months96.147.6
66 + 6 months96.747.9
66 + 7 months97.248.3
66 + 8 months97.848.6
66 + 9 months98.349.0
66 + 10 months98.949.3
66 + 11 months99.449.7
67100.050.0

You'll almost never see any industry suggestions that you retire early.  Rather, in fact, it's the opposite.  You can find plenty of industry advice that not only should you work until you are 67, but you should work beyond that, just to be safe.

Whose interest does all of this serve?

Well, if you don't take a pension that's of the state type, that serves the state or local government.  If you don't take Social Security, that serves the United States government. They don't pay out the balance to your survivors, or at least not purely so.

What about independent financial advisors?

This probably varies enormously from person to person, and here I'm talking about the people you employ to manage your money, including your retirement money.  I really like my guy, who does great, but at the same time, I have yet to ever get a really straight answer on a simple planning questions.  When could I, if I wanted to, retire?  I asked the other day, and have before.

About the most I ever get out of that is "you're getting there".  

That's not really an answer.  Just the other day, therefore, I tried another approach.  If I were to retire today, how much could I draw and not deplete the principal?

"We need to schedule you in".

That's not an answer either, really.  

Now, as noted, I like my guy, but I think that financial planners fit into the same category as other economic folks.  They're end product driven.  It's not like a guy going out and thinking "I'll build me a car", and thereafter collecting the parts.  It's more like General Motors thinking, "I wonder how many of these cars we can make?"

As that's a bad analogy, let me put in this way.  To planners, to at least some degree, if you die with a big pot of untouched loot, you win. Hooray!  To the person whose dead, well they plowed five more acres.  yippee.

I'd note that industry advice, at least in my industry, also works this way.  If you look at any articles on lawyers retiring, what you tend to find is articles about lawyers who "retired" by changing the work that they do. That's not retirement.  That's like the plow mule being released from dragging a plow, so he can drag a cart.  You're still dragging.  For some reason, and perhaps this has to do with industry validation, it's a lot easier for article writers to write something like "Bob went from being a high stakes litigator to switching to be a high stakes litigator" than it is to saying "Bob went from being a high takes litigator to fly-fishing".

And that makes some sense to me.  It's important to any industry to keep up the myth that the reason you undertook this wonder activity in the first place wasn't the money, or wasn't because you needed a job and this was the only one you could do, but because you love it.  It defines you, you miserable sot, now sit back down and row.

Which indeed brings us to the few industries which really have noted short retirement periods, things like military service and the like. At a certain point, those lines of work actively say "get the crap out and get out of the way". Why?

Well, they depend on your fitness and feel you are a drag on things at that point.  

All of which gets back to the point made in part one of this series.  Why do you work?

Well, you have to. But if you work for a living, why should you keep on keeping on after you can actually just live.

Well, because society would prefer you do that.

Row.

Wednesday, October 19, 2022

Lost as to what to do, Stepping back to the bench, Leaving and coming back, and Cultural heritage. More conversations, was Lex Anteinternet: Mid Week At Work. Overheard retirement conversations.

Lex Anteinternet: Mid Week At Work. Overheard retirement conversati...: Now it's 67, after a certain age. . . for the time being.  Just like Wyoming judges used to have to retire at 70 and Game Wardens at 60....

I posted this just the other day, but since that time have heard two more conversations, both among fellow lawyers, regarding retirement that made me pause.

The first was from a lawyer I know well, well I'm related to him, more or less (it's sort of complicated).

Anyhow, he stated something to the effect that he'd be completely lost as to what to do with his time if he retired and therefore, implicitly, has no intention of doing so.

Now, it's not the case that this individual is 80 years old or something.  He's in his mid 60s.  But still, this is remarkable for a variety or reasons that I'll not put in here.

One of the most remarkable things about it is that an individual with a really lively mind, in an occupation that appeals to polymaths by it very nature, wouldn't at some point to want to leave it to explore other interests, while they still could.

It truly baffles me, but I hear that a lot.

Of course, some of that view is subject to a person and pressure.  At least, from what I've observed, lawyers who have that view are the ones who have a very limited number of things going on at any one time.  Lawyers who are extremely busy seem to be more inclined to ponder retiring, as they really can't look into things other than what their work demands.

I'd note that there's a legal journal out there that notes this view as a problem for the law.  Some lawyers get to where they can't leave it, as they're so dedicated to their work. But their work starts to decline anyway with advancing age.

Not related to this conversation, but to another one that I recently also heard, a lawyer I know whose just past his mid 60s and who has been talking about retirement for years, now says he wants to step back to a more advisory role.

The concept that this can be done is something you'd read in things like the ABA Journal.  Maybe some small percentage of lawyers actually can do that, but I think it's pretty small, and it also depends on what they did.  Litigators?  Nah, can't be done.

Again, it's interesting.  A person goes from wanting to step back, and just take life easy, to wanting to step back and let somebody else carry the ball and only be called in for special plays.  But once you are the quarterback, if you will, you probably are going to be hesitant to do that, particularly with an older lawyer, who will tend to criticize your decisions, if you are younger.  And lawyers who do only what they want to do, in litigation, rather than what has to be done, don't turn out to be that much help and people know that.

Which leads to another random observation.  A couple of years ago I ran into a lawyer who had switched from some sort of business law field into litigation, and into insurance defense litigation at that.

That's the hardest kind of law there is, and people don't get in it when they are old.  But he must have entered into it in his 60s.  He was good at it, I'd note, but I think that's frankly crazy.  It's also a little pathetic.

It's crazy for one thing in that it's one of the fields of law that's 24 hours a day, 7 days a week, all the time.  Just at the time most people would actually think about retiring, that's effectively retiring into backbreaking work.  It's like giving up a seat in the construction company's front office to go dig ditches.

Of course, there are some people who like fighting or crave field excitement.  That's why you see old guys try to volunteer for wars in some instances, or policemen who have worked as bailiffs for 20 years ask to go out on the street.  They probably really love their occupations, but felt less worthy of them as they'd never been in the thick of it.  People who have been in the thick of it are less likely to feel that way later on.

And on another overhead item; 

But that’s not what I came here to talk about. I came to talk about becoming native to this place—

Wes Jackson, taken grossly out of context.

There's a fellow (I'm clearly not going to name him) whom I first knew when he was part of a professional firm years ago.  It was significant, to be sure, and therefore, he was also, as part of it.

He left it for some reason, I never knew why.  In the following period, he practiced his profession on his own.  He ran for office in that time period.  I might have voted for him, I can't recall, but he remained a pretty serious figure and I recall at least contemplating voting for him.

Then he left the state.

For decades.

Things happened in the intervening decades.  People died, people arrived, new political figures came and replaced the old.

He returned. But, as would be the case, he returned a couple of decades older, or more than that, than he'd been when he left.

A couple of decades in a person's life is a long time.  We sometimes tend to forget that.  

Returns from long absences are not uncommon in this region.  People grow up and move out, taking jobs in far off regions of the country, and then come back in retirement.  Others, like the fellow I mentioned above, grow up here, go to work here, and then leave for brighter horizons, or due to marriages, or due to family, or just because they've become sick of living in a place where life is always hard, and life here is always hard. And then they return, having secured their fortunes, usually, in the form of some sort of secured retirement.

Everyone once in a while, however, a person returns to go back to their original pursuits. That's really rare.  That's the case here, however, in the instance of the fellow I'm mentioning.

This nameless essay is about all sorts of these folks.

When you leave a place, you leave it.  Some of that place remains with you, but it remains with you in a way that's sort of fixed in time.  Ft. Sill is that way with me.  It'll always be part of me, even though I wasn't there for eons, but it is the Ft. Sill that existed in the early 1980s.  It's changed since then.  I know that from people who have been there since.  Yes, much of what makes Ft. Sill, Ft. Sill, still exists, but the Army of 2022 isn't the Army of 1982.  I can look back and still see it in my distant rearward looking mental view, but that view isn't the same, exactly, for those who are receiving artillery training in 2022.

Now, things would be much different if I'd never left Ft. Sill.  It'd all be part of my mental makeup.

When you leave and go to a new place, and stay there for quite some time, that new place becomes part of you significantly.  At some point, while the old place never leaves you, what it is today isn't.  Or, in quite a few places in modern American life, quite frankly, no place becomes part of you.  You aren't native to this place. . . . you aren't native to any place.

The fellow I started this essay off with is beyond retirement age, which makes this sort of a strange return in the first place.  He's not retired.  He's at an age where he really should be, truly.

And in the intervening years, he's lost his relevance, but doesn't seem to know that. Due to a recent event in which he participated, he really ought to.  You really don't get to spend half your life somewhere else, and then go back to where you were from, and pick up again and expect people to know or care who you are, or to treat you like you are thirty years younger than you really are.  You are an old stranger in a country which, as Cormac McCarthy reminds us, is "no country for old men", at least to the extent that you were a young man when last here, grew old somewhere else, and came back as though you never aged.

Back to my original interlocutor, the other thing he noted is that he'd be worried whether or not he had saved enough money to retire.

Knowing him, I'll bet he has.  As we are from the same extended family and share the same general cultural roots, we're in the group of, essentially, blue collar Catholics who ended up lawyers.

There are, frankly, a lot of us, and in many instances our parents weren't industrial workers either.  But we're drawn from the same pool of Irish, Italian, and South Slavs by cultural heritage whose ancestors never would have thought of going to university prior to World War Two, and who worked in industries or agriculture in one way or another that were pretty working class in some fashion.  He tends to bring that up, in another form, more than I do.

The reason that matters is that we all live pretty modest lives, so it's not like we're taking big fancy vacations or driving new cars all the time.  

It also means, however, that even in our early 60s we probably still have kids in college and, due to the history of our families, we expect things to fail.  There's going to be an economic depression. There's going to be hyperinflation.  Things are going to be bad.  It's just earlier to work until we're sure that we're safe, and that day will never come.

Wednesday, October 12, 2022

Mid Week At Work. Overheard retirement conversations, random emails and musings.

Now it's 67, after a certain age. . . for the time being.  Just like Wyoming judges used to have to retire at 70 and Game Wardens at 60.  Now Game Wardens can stay until they die in the cabs of their trucks at advance old age, although few stay that long, and the state legislature would like to have judges stay on the bench so long, Judges who were serving at the time of the writing of the Book of Judges could still be on the bench.

Back in June, the parish priest as the parish where I normally go retired.

He was the priest at the Newman Center for most of the time I was at the University of Wyoming, and then twice here locally.  He must be 70 years old, but he looks remarkably fit and vigorous, and indeed almost exactly the same as he did 30 plus years ago in his late 30s and early 40s.

Not too many people can say that, although a fortunate few can.

I note this as in the last few months I've been overhearing a lot of comments on retirement, observing a few folks I know who retired, and receiving emails on the topic as well.  And in the news, of course, we have the proposed Pine Box Amendment to the Wyoming Constitution, which I posted about in the current election thread:

Proposed Amendment B.

The amendment summary that will appear on the ballot states:

Currently, the Wyoming Constitution requires Wyoming Supreme Court justices and district court judges to retire upon reaching the age of seventy (70). This amendment increases the mandatory retirement age of Supreme Court justices and district court judges from age seventy (70) to age seventy-five (75).


It's been interesting.

A young person that I know, in her early 20s, stated to me "what does a priest do in retirement"?  It's a good question.  I don't really know, but the few retired priests I've known sort of continued to serve as priests. They're not relieved of their obligations to say Mass.  For the most part, what those priests seemed to do was to move into a rectory and serve Mass, and hear Confessions.  I guess what they're relieved of is their obligations to run a parish, which no doubt are pretty significant.

One Priest I know, who reached retirement age, did not.  He was Nigerian and returned to his home country.  Before he left, he told me that Priests in Nigeria do not retire, they serve until they die, which was his intent.

The Wyoming Supreme Court and the state legislature, some of whom are late Boomers, maybe the majority of whom are late Boomers, are endorsing the view that they can continue to serve five years past their physical deaths.  

That's an exaggeration, of course, but as I've written about before, the assumptions that a person can work in a position of public trust until they go from the bench to a pine box and not suffer in their work in any fashion is foolish.

It's also, in my view, more than a bid arrogant.  Shouldn't these positions be opened up to people who are closer to the average demographic of the state and nation?

And do they have no other interests?

I worry a bit about that, as I've seen at least two ancient lawyers seemingly age past the point of their actually having any other interests. They didn't want to go to court anymore, but they seemingly had nothing much else to do. They took annual vacations, but otherwise came into the office until they died.  This is all the more interesting as neither one had started off to be lawyers, so the old fable that "I've always wanted to be a lawyer" that some lawyers lie about in order to convince themselves that giving up a chance to be a minor league baseball player or something made sense.

Another lawyer I know who is old enough to retire, but who is in good health, keeps on working a full schedule.  I note this as our lives intersect in some odd fashions, one of which is that he also had agricultural interests.  His father was a rancher and his sister married a farmer.  He told me that at one time he imagined himself sort of retiring to the ranch, but just before his father had a stroke and then died, they sold the place.  He seems set on being a lawyer until he dies, taking off sometime for nice biannual vacations.

I'm like my father in contrast.  I just don't take vacations, which is a very bad trait.  Maybe that's why retirement as a concept is on my mind, as I don't take much time off for myself, so I think I can catch up on that once I retire.

In overall contrast, one lawyer I know who has eased into mostly retired has in fact taken up some of his longtime activities in earnest.  I sort of regard him as a model that way.

Another lawyer I know pretty well who is far too young to retire, but has it on his distant radar screen (let's say he's 50), has all sorts of retirement plans, most of which involve being a globe trotter.

He is, however, obviously not a physical fitness bluff and hits the dinner table more often than the gym, which is to say he hits the gym never.  I don't hit the gym either, but up until this year I was in pretty good physical shape, maybe a beneficiary of genetics in that fashion.  I hate to say it, and I don't know how to say it to him, but my guess is that he'll die before reaching that age.  He speaks longingly and optimistically about what he's going to do, but there are things you have to do that, one of which his good health,1

I've noted here before, my father enjoyed good health right up until he didn't, and he died at 62.  His father died at 47. Neither of them retired.2

A lawyer friend of mine and I have enjoyed good health up until this year, and we've both had scares in recent weeks.  I'm not going into it, but I'm in the category of having dodged a bullet, maybe.  Had I not, I would probably have been dead within a few years.

Of course, life is fickle, and you really never know when you are going to board the barque across the River Styx.  Just yesterday, an old Guard friend of mine let me know that a guy we were in the Guard with died following a surgery that was supposed to have worked well.  He was only about 65.

Leaping back up, my unhealthy friend also has a very large family, which is his right.  There are certainly people with very large families that retire, but he's looking at a long list of college tuition payments, the first of which he just started and the last of which isn't anywhere near to commencing.

We pick our lies and take what that means, but some people don't seem to realize that.  I.e, having a giant sized rib for lunch might not be your best option.

All of which gets to the topic of being able to afford to do that.

I married later than most men do (I was 32) and so we started our family late.  My wife comes from a ranching family and while we've been very frugal, working to get her over the agricultural concept of money, which is extraordinarily short term and which features the concept of constant loans as normal, has been difficult.  And a diehard absolute dedication to our children, now in their 20s, that she has, and which is common to mothers, is highly exhibited.  All this means that while we haven't done badly, we haven't done as well as we could.

Maybe, however, we just don't know what that means.  One of the blogs linked in here, Mr. Money Mustache, strongly takes that position. Lots of people can retire who don't, as they don't grasp they can.

In that context, I've tended to find that for men in my situation, I'm ten years older than Long Suffering Spouse, the latter personality resists the older retiring.  We're past that point now, really, but it had been a pretty clearly on the horizon of resistance for a long time.  In most relationships like this, with ours being no exception, the older person gets the larger income and that means a lot.

I'm not, I'd note, of Social Security retirement age, either.  So this is more than a little hypothetical.

A good friend of mine who is a lawyer constantly talks about retiring, and then doesn't.  Recently, he's been expressing the concept of stepping back into lesser roles.

This is interesting.  When a person finds that there are aspects of his work that he doesn't want to do, but he'd like to keep doing the ones he does as a retirement plan, he better be working in a field that accommodates that. Law isn't that, at least by my observation.  You are in, or you are out.  It's not like you can decide to take a lesser role as a football player, for example.  Law is sort of like that.

Still, I see a lot of lawyers go into their late 60s and then their 70s still practicing, which is the point of the proposed Pine Box amendment to the Wyoming Constitution. It's interesting.  Some do seem to have stepped into some sort of genteel role, others not.  

I've tended to notice that family businesses tolerate the stepping down role better than others. Farms and ranches often are, for example, and some small stores are.  Before the complete corporatization of the economy, that might explain why these lines of work were so admired, really.  They were part of life, with life predominating.  Now your role as a consumer does.

Which might be part of the current war against retirement.  It's interesting.  Everyone in the larger society wants you at work.  I've noticed this on a few things recently.  It seems no one wants people in the US to retire. Ever.

Indeed, I saw this entry on Reddit the other day.

This is a rant. I’m sick of all the articles with the same message: work, work, work and never stop. The biggest reasons are: you want that “full Social Security benefit” at 67, (but hey why not hold off until you’re 70 and get even more?) The other reason is “healthcare is expensive”. The push from the media outlets telling us to keep working is essentially propaganda. Instead, why isn’t anyone lobbying for us to fight for better? It’s complete bullsh*t. “ If you run out of your own money, SS alone isn’t enough to live on.” Well I’m not planning to live out my life on a cruise ship FFS, just staying put in my own little house. I’m sorry I live in a country that lets poor people die. Is it too much to ask for our government to provide a decent pension and healthcare to it’s oldest citizens? Nope. This is how it is and rather than try to get the government to fix it, just keep working until you die. BTW I rage-retired 2 months ago, at age 61, due to burn out and I’m living on my savings while my 401k hopefully recovers a bit. But, it was always my plan to start collecting Social Security at 62 (even though my own Financial Advisor is against it) because my mother died at 51 and my father at 69. If I wait I may never see a penny of SS. I know this rant won’t change anything. I just felt like screaming into the void.

And then there's this item that was run in the online version of the ABA Journal. 

A funny thing happened on the way to my retirement

Some items from it:

My attorney friend Ron Taylor, the former general counsel of Blue Cross & Blue Shield of Texas, once advised me not to retire from something “unless you have something to retire to.” That struck me as a truth, and I am fortunate to have other passions to pursue; for you see, my mistress, the law, gave me the freedom to develop them without totally giving her up.

And;  

While many senior lawyers are resting on their laurels and leaving the legal profession, I’m still going strong after more than 41 years of practice as a civil defense lawyer, defending companies in mass casualty high-exposure cases. As I approached my 65th birthday last year, I struggled mightily with how to end my 41-plus year romance (43 including law school) with the law and the law firm, Wilson Elser, I have loved for 30 of those years.

When considering retirement, you can stage and prolong and enhance your career in the process, but to do so, you must first understand that in some ways, retirement for lawyers is a misnomer. It can perhaps better be framed as, “What do you want the next stage of your career to look like?” Retirement is an intensely personal matter, and the answer to this question depends on your interests inside and outside the law and what you want to do now.

At the core of this process is the ability to allow yourself to step back from what you were doing before in order to make more time for other things, such as your outside interests and hobbies. This is an opportunity to rebalance your life and to give you more time to do things outside the law while extending your career inside the profession. Work less at what you were doing before and do more of what you are passionate about. In other words, mix them up to suit your new reality. This can and should be a win-win situation.

The law as a mistress line is a common one among lawyers, and it isn't used in a complimentary fashion.  "The law is a jealous mistress" is the line, and what it means is that the law takes up your time to the exclusion of all else. She won't let you hae any other interests.

The advice Ron gave the author essentially was to marry the mistress, I guess.  Or sort of. That author seemed to be one of the balanced lawyers who was able to do other things.  I'm much less so.  Anyhow, when I read this line, I'm always reminded of the lines spoken by the wounded bandit in The Professionals, about how "the Revolution" goes from being a great love, admired from afar, and pure, to a jealous mistress, to a whore.

Not a pleasant thought.

Anyhow, this is an example, I think of society, which in the 1930s through 70s asked you to look forward to retirement, now wants to keep you from doing it.

"What do you want the next stage of your career to look like?”3 

Indeed, society wants you at work no matter what you do. Thinking about retiring?  Hang on a few more years.  Thinking about staying home with your infant?  Let's warehouse the little non-productive snot in a daycare.  Thinking about staying home with your elderly parent?  Let's put the used up geezer in a "home".  Pregnant?  Let's kill that drain on society before it's born and takes you out of the workplace for a few weeks.

Footnotes:

1.  This puts me in an odd position, as I tend to be pretty honest and when I can't be, I tend just to hold my tongue.  But when somebody who eats three gigantic meals a day and is extremely overweight tells you about their plans to travel when they retire, if you know then, what is your obligation?  Do you say, "Bill, if you don't keep eating the cheesy entire walrus lunch special, you are going to stroke out and never retire?"  Nobody wants to hear that, but maybe you should.

2.  My father was at the point where he wanted to retire.  He just didn't make it.

3.  This fellow, fwiw, recommended the following:

Take your own deposition to gain clarity

Where do you begin? I took a novel approach—I took my own deposition! As a trial lawyer I’d taken thousands of depositions in my career but never one sitting across the table from myself. Lawyers are great at asking questions—after all we are trained in the Socratic method—so why not make a little exercise of taking our own depositions regarding this important decision? The goal is to “know thyself” and what thyself wants to do next.

Questions to ponder:

• How much longer do you want to work?

• Do you have any unfinished goals or projects you’d like to complete?

• What alternate legal work matches your skills and abilities, such as alternative dispute resolution?

• What legal topics interest you that you’d like to know more about?

• What bar activities would you like to pursue?

• Are there any pro bono projects that interest you?

• Would you like to teach law students?

• How about that book you were going to write inspired by your legal experience handling cases and closing deals?

There’s an incredible wealth of possibilities.

In cross-examining ourselves, we can arrive at clarity as to what comes next. You’ve given most of your life to the law, so put your experience to work for you. Make a plan based on your answers to your own personal deposition and follow it into your transition.

This cannot help but bring to mind the scense in the early Woody Allen film Banana Republic in which Allen, who accidentally ends up a Central American revolutionary, ends up subjecting himself to a devestating cross examination when he calls himself as a witness in his trial.

Related threads:

Overheard on retirement

Saturday, July 30, 2022

Today In Wyoming's History: July 29, 2020. Pete Williams retires.

Today In Wyoming's History: July 292022  Pete Williams, Casper, Wyoming native, retired from his long time role as the Justice reporter for NBC news.



Williams had a very long career which stretched back to radio in Casper, starting off at KATI.  From there he went to KTWO radio and television.  In 1986, however, his career took a much different turn when he became a press spokesman and legislative assistant to then Congressman Dick Cheney.  He followed Cheney in that role into the Defense Department when he became Secretary of Defense.  He went to work for NBC in 1993.

Wednesday, July 27, 2022

Thursday, July 27, 1922. Midsummer Number.


Life magazine issued its mid summer edition.

Frank N. Rainey retired, somewhere.


"Fr. N. Rainey receiving a gold watch, presented by P.M.G. Hubert Work, in recognition of his 50 yrs. service in money order division. July 27, 1922"
 

Interesting how gold watches were a retirement tradition, but that seems to have passed.

105 men escaped Dundalk Gaol after the 4th Northern Division of the Irish Republican Army blasted a hole in the prison's walls.

On the same day, Oscar Traynor, an IRA officer, was arrested by the Free State.  He'd later go on to be Minister of Defense and then Minister of Justice for post World War Two Irish governments.

Adolf Hitler was released from prison.

Wednesday, October 28, 2020

Mid Week At Work: Biological services supervisor retires after 28 years of state service to wildlife

 I don't usually do these in "real time", so to speak and more often than not they feature some occupation from the past, in keeping with the supposed focus of the blog.  But I just thought this was interesting:

Biological services supervisor retires after 28 years of state service to wildlife

A couple of random thoughts.

I thought this way of summing up the subject will miss about his job, by the subject, was a nice way to do it.

“Being back in the truck driving home talking on the radio with everyone — after working in the field from sunrise until dark.— that’s what I’ll miss the most,” Woolley said. “No one will understand that feeling unless you did it.”

I'll be that's right.

The other thing that struck me is that he's retiring after 28 years.  He started part time in 1992, as a graduate student, and went full time in 1996. So his retirement years include his part time service while still a graduate student.

If I use the same measure, I've been working at my current occupation for 31 years.  I never actually calculate it that way as lawyers have to be admitted to the bar to be lawyers, and looked at that way, I just went over 30 years a couple of months ago.

It's interesting in that 30 years in an occupation is regarded as unusual by some, usually people who aren't that far into a career.  I know lots of lawyers who have 40 years into careers, and have known those who had 50.  Indeed, lots of lawyers just don't retire and maybe, instead, slow down.

There's some open speculation as to why that is.  For one thing, state and Federal retirement works on the old fashioned pension model that's become increasingly rare in modern times as we evolved to a savings based retirement system.  Lots of people, even with good incomes, never feel secure in their savings and for good reason.  Beyond that, lots of people really don't make what people presume that they do.

Anyway you look at it the headline was a bit of a shock to me.  I'm not anywhere close to retirement and this fellow, who has to be at least three years  younger than men, has retired.

Maybe. We never really know what people actually do when they retire.  I've known one fellow whose tried to retire three times and never really managed it.  

And as somebody with livestock. . . well you never really retire.

Anyhow, it's a nice article.

Friday, May 22, 2020

May 22, 1920. Carranza's Assassination hits the news, and Bergdoll's Departure. The Belmont Run, and Federal Employees get to Retire.

Postman, May 22, 1920.


The dramatic news that Carranza, who had been such a large figure in the Mexican Revolution, and the American Press, had been assassinated hit in the U.S.


Also taking headlines was the flight of Grover Cleveland Bergdoll, a millionaire draft dodger.


Bergdoll had first been in the press as a pre World War One aviator, showing that he at least had an element of personal courage.  But when the war came, he skipped his draft physical and evaded the authorities for two years.  He was finally arrested in January, 1920.


He was tried and convicted, and then oddly allowed out of prison when he claimed the need to recover a cache of gold he'd buried while a fugitive.  On a stop at his home in Philadelphia, while under guard, he managed to escape and flea with his chauffeur. 

He went, oddly enough, to Germany, where he further avoided attempts to kidnap him by American soldiers of fortune on two occasions, killing one of them.  He returned to the United States twice while a fugitive and even toured a bit on one occasion.  He finally surrendered to authorities in 1939 and served the remainder of his term plus added time, being released in 1944.  He remained under psychiatric care until his death in 1966.

The Belmont was run on this day in 1920.

United Hunts Racing Association meet at Belmont Park Terminal track, May 22, 1920.

Beatrice Clafin and M.M. Van Beuren at the United Hunts Racing Association meet at Belmont Park Terminal track, Belmont, New York, May 22, 1920.

The Civil Retirement Act went into effect on this day, providing retirement for employees of the United States government.  

We're so used to thinking of this as always having existed we fail to appreciate that in fact a century ago retirement was not only not a sure thing, it was contrary to the norm.

Wednesday, February 5, 2020

Bloomberg. You failed in your demographic duty and now you won't be able to retire.


The journals have really been pounding out the electrons recently.  Just a couple of weeks ago some complete twit at The Wall Street Journal was happily musing about how we'll all be chained joyfully to our desks until we are desceated corpses at age 200, as we noted here:
Lex Anteinternet: The Wall Street Journal and the Rosy "End of Retir...: On one hand, you can read in the New York Times about how there's a growing number of while collar men in their 50s who have permanen...
At the same time, the New York Times was wringing its hands at people who were forcibly retired in their 50s.

Now, Bloomberg is telling us that you didn't have enough babies and so now you are stuck working, you sot.  As Bloomberg puts it:
The pressures on older Americans to work will likely only become greater in the coming years. This is because the young, working population needed to support retirees will see slower growth, and possibly outright shrinkage.
As recently as 2009, the U.S. had unusually high fertility rates for a developed nation. The total fertility rate — the number of children a woman can be expected to have over her lifetime — was about 2.1 children per woman, which is the level required for long-term population stability. But since then, the rate has fallen to 1.8 in 2016, implying long-term population shrinkage:
Much of this is due to a fall in fertility among Hispanics, whose birth rates are converging with those of other groups. The Great Recession was undoubtedly a trigger as well; permanently lower expectations of income and wealth made child-rearing seem like a more financially daunting prospect.
Fewer kids means, eventually, fewer young workers to support an increasing population of retirees. This will result in less money being paid into the Social Security and Medicare systems, requiring either cuts in benefits, a higher retirement age or ever-ballooning deficits. Past experience suggests that Americans will be asked to work longer.
The U.S. bounced back from falling fertility once before, in the late 1980s. But as economist Lyman Stone has written, there are reasons why history may not repeat itself. High and increasing costs of housing, child care and education show no sign of reversing. The need for ever-higher levels of education in order to thrive in the U.S. job market is causing families to delay childbirth, which results in fewer children. Stone projects that U.S. fertility rates could fall as low as 1.5 or 1.4 — the levels that prevail in Japan and some European countries.
There is one more source of population growth that the U.S. has traditionally depended on — immigration. Low-skilled immigrants make it easier to raise kids by providing cheap child-care services. High-skilled immigrants earn more and pay a lot of taxes, while using few government services themselves, meaning that their fiscal contribution is enormously positive:
* * *
But low-skilled immigration to the U.S. has declined, meaning that more expensive child care is on the horizon. And high-skilled immigration may soon taper off, as President Donald Trump’s policies and rhetoric make the country less hospitable for the world’s best and brightest.
In other words, the U.S. may soon find itself without its two big long-term population boosters, and wind up as a graying, shrinking nation, with young people burdened with supporting ever-more old people, and the elderly themselves forced to work long into what used to be the golden years.
Oh bull.

There are reasons to lament declining birthrates, but the "nobody will ever get to retire" line of reasoning is not one of them.  Indeed, as we pointed out earlier, the bigger problem is automation which is removing a larger and larger number of jobs from the economy and which is now not only wiping out "labor" type jobs but which is also wiping out white collar jobs.

Every time you get an automated phone answering system, or check out at the grocery store with an automatic checker, or check into a flight with an automatic system, or shoot, order something on the Internet, you are participating in this.

The one thing that automation appears unlikely to intrude on, however, is the writing of "the sky is falling" on retirement articles.  It takes, so far, a real human being to do that.

Wednesday, January 29, 2020

Retirement Ages

I've posted two items on retirement ages here recently, one from the NYT's rosy "hooray. . . we can all work until we're 200 years old!" the other day, and then one that was referenced in regard to the Irish election.

So what are the average retirement ages in the world anyhow?

Well, you can find a big chart on Wikipedia and I'm not going to repeat it here.  If you look at it, however, the entire world is remarkably uniform in placing retirement between 60 and 65, although several countries provide 55 and up for women, interestingly enough.  Quite a few more advanced nations are raising their retirement ages, including the United States, but also including Ireland, Australia, Denmark, France and others.

Also worth noting is that earlier retirement ages, by nation, don't equate with wealth.  Actually, the opposite is generally true.  The same is true for young retirement ages for women.  That probably suggest that those younger ages aren't economically stressed as people are dying younger in those areas and categories.  So, while citizens of Bangladesh or Vietnam may be able to retire earlier than in the US, that isn't necessarily really a good thing for most Bangladeshis or Vietnamese, as their governments are likely banking on their not making it to retirement or living long in retirement.  Having said that, while the current life expectancy is a bit higher in the US, its not massively higher than either of those nations.

Those lower retirement ages also probably say something about the nature and extent of retirement in those countries as well as the standard of living.  I.e, they likely don't get much in retirement, but they aren't taking the RV in a trip to Banff either.

Of course, it also says something about birth rates, oddly enough, as well. 

I generally don't subscribe to the commonly cited thesis that a country needs to have a birth rate higher than the death rate, i.e., a perpetually growing population, in order to be economically sound.  That entire concept fails to take into account a lot of things, including the growth in wealth of societies over time and the impact of technology.  Like the Communist economic model, that thesis is based on a concept of perpetually frozen economic and technological conditions, which has never existed in the real world.  Indeed, since World War Two the entire world has evolved into what was basically once reserved for "first world nations" in terms of wealth and that trend is continuing to the extent that its one of the many things that worries people who like to be worried. 

But a feature of that is that governments don't do a very good job of determining tax structures to fit evolving economies, and they're always evolving.  The tax structure of most nations is still the ones that the Romans used; i.e., tax collectors take part of your income or party of your individual wealth.  That probably made sense in 20 AD or 220 AD but it's a pretty primitive way to do things in 2020 AD.

Indeed, while I think the entire concept of a Universal Basic Income is total folly (I have a dormant post on that which perhaps I'll get back around to), government funded retirement is a species of late Universal Basic Income which, unlike other types of UBI, makes a lot of sense in a lot of ways, ignorant columnists of the New York Times aside.  I note that as Andrew Yang had some original thinking on how he was going to fund his UBI concept and while I don't support it, showing that sort of original thinking would generally be a good idea here, and it'll become necessary as our undirected manic drive towards "progress" increasingly displaces younger workers.

Anyhow, as we don't think that way, the decrease in the premature death rate, which is really what the increase in life expectancy actually is, combined with the decrease in the first world birth rate, means that at least for the time being this is one area where people who worry about demographic collapse are somewhat economically correct.  When Social Security came in, during the 1930s, deaths from disease, accidents, wars, birth, and poor health were much much higher than they are today.  Given that, lots of people never made it to retirement.  Neither of my grandfathers did, nor did my father.  For that matter, one of my aunts didn't either.  Now, a lot more people make it to retirement and live for a long time while drawing their Social Security checks. That's a good thing, but the rise in retirement ages all around the world is because our good fortunes and good health don't fit the old economic model. 

Which is, I suppose, a good problem to have.

Wednesday, January 22, 2020

The Wall Street Journal and the Rosy "End of Retirement" Article. A repeating theme.


On one hand, you can read in the New York Times about how there's a growing number of while collar men in their 50s who have permanently dropped out of the work place.

And you can also read about how suicide in the US is growing, in part because of a sense of alienation with our cubicle society.  The BBC has published a recent article about how the youngest generation of the Japanese is building a "solo" culture in which people simply live alone.

Presidential candidate Andrew Yang warns that we're about to displace so many workers do to automation that we'll have to go to a Universal Basic Income because we're about to forcibly retire a bunch of the work force.

Well, the rosy Wall Street Journal, in contrast, comes out with this:

THE END OF RETIREMENTThe conventional wisdom—save enough to retire at age 65—won’t work for the generation starting their careers today, writes columnist John D. Stoll.t took about six years of annual asset reviews with my financial planner, Joe Mackey, to confront a big question. After I spent my entire adult life trying to save enough to quit working by 65, Mr. Mackey wanted to know what my rush was. 
“Do you even think you’ll want to retire?” I’m a 42-year-old writer with a job offering travel, intellectual grist and social connection. With few hobbies and an allergy for sitting still, it’s fair to assume my view of a comfortable retirement includes more work than quit. Maybe I’ll deliver the mail, write books or teach. 
People spend a lot of time wondering if they’ll have the means to retire, often ignoring the equally important calculation: Do they have the will to retire? A job, historically seen as simply a way to make money, is increasingly the source of the types of friendship and stimulation that are hard to find in bingo halls, on beaches or riding a golf cart. 
“When my friends and I talk about our futures none of us says, ‘When I’m 65 I’m going to retire and live on a farm and do nothing,’ ” says Kevin Frazier, a former legal assistant at Google who is now pursuing joint law and public-policy degrees at Harvard and the University of California, Berkeley. Mr. Frazier, age 26, watched his dad work a 30-year career at AT&T, but the one-employer tenure is no longer status quo.
There's more of of this blather on the linked in WST article.

Let's start with the comment of Kevin Frazier, now studying law at age 26.  That means he'll graduate at age 29, probably, more or less and enter a career that is now deeply imperiled and which, at least by the time he's in his 50s, will have seen a massive erosion of work to overseas sources (an Indian lawyer working out of his apartment in Delhi can review a contract just as well as an American one in the high rent office district of Denver) and for which Google analytics will be able to answer lots of legal questions.  It'll only take a competent person, a paralegal likely, to run the search and a produce an answer that would have taken two or three lawyers a couple of days of research and thousands of dollars to produce.

Of course, Frazier is an ignoramus, as in ignorant.  He doesn't know what practicing law is like and he doesn't realize that the profession as a massive substance abuse and personal problem rate for a reason.  And that's not going away.  In twenty years he'll have worked in three different firms and be hoping for enough income to buy a latte before starting work at 4:00 a.m.

I've essentially read the same analysis on this since I was a teenager.  Soon (probably twenty years out), they say we'll be living to 200 years old (an item in the article) and we won't want to be retire.

Well, being old is no treat.  The article notes the author is 42.  Within a decade he'll know that his clock is winding down.  No matter how healthy you are in your 40s, you won't be that way in your 50s or 60s.  And the ravages of age don't fall on only your ability to play whatever urban sport is in vogue in a gym, it falls on the minds of many as well.

Currently, the real trend is that white collar workers are just dropping out of the workplace as they age. There's no UBI, but they're not working.  Forced retirement due to one thing or another is common after 55, which doesn't mean its a comfortable retirement.  Only those in occupations that pay well and have really dedicated support staff can actually tolerate people working until they die.

Retirement ending?  It may be, but not in a nice way.  And that's not a good things.  Dignified work is ending too.

So, Frazier, at 65 will you be living on a farm "and doing nothing". Well, being on a farm is actually doing a lot.  But you won't be doing that at 65.  You'll be working part time in the local library for minimum wage wishing you had a farm to go to.

Wednesday, September 25, 2019

Overheard on retirement

I've written about retirement and the history of retirement here more than once.


This is one of those threads that was started off in draft a long time ago, several months actually, and then never finished. At the time it was started, I'd been present when a person employed in my field, but not yet of Social Security age, made a comment in frustration over something about retiring, and another lawyer present dismissed it out of hand, even though that lawyer is even closer to that age, with a "oh no, now let's not talk that way".  It surprised me.

Since that time, I've encountered a bunch of additional talk about retirement in various circles, which may be because I'm in my middle, middle, 50s, and maybe that's when you start to hear about that. For that matter, to my huge surprise, some lawyers I personally know, whom I've always thought were about my age (maybe they're slightly older) are in fact retiring.


I have no close personal experience with retirement.

My father didn't live long enough to retire.  He was 62 years old at the time of his death, having made it I suppose to minimal retirement age, but he was hanging on with the intent to make it to 65.  That's always the advice all the retirement folks give you, based on what are some faulty assumptions, not the least being that you'll live to age 65 or appreciably beyond it.  He was pretty clearly ready and wanting to retire, however, and was talking a bit about it.



Indeed, he'd been talking about it for at least a few years prior back into my final university years.  By that time I think he was pretty clearly burned out from working, which he'd done since he was very young, and was slowing down physically.  Indeed, the scary thing there is that in some ways our two lives follow the same pattern in some things, which very much diverting in others.  In terms of ways they parallel, he'd been working from a very young age, which I've also done, as he was employed at least part time since his mid teens, and I have been as well (my early teens actually).  While he never ever complained about it, he also had lived a pretty hard life as his father had died when my father was just out of high school and that put my father into the full adult world with all its responsibilities very early.  For me, my mother had been ill for years and years, which took quite a toll in other ways and while not as dramatic as the story for my father, it had a similar impact.  That is, compared to some others, but only in some ways, I sort of went from my early teens to my quasi adult years and skipped over the teenage ones, sort of.

Given all that, he was getting worn out.  While still in school I suggested to him that he ought to retire, even though he was still in his late 50s at the time, just a little older than I am now.  I told him at least once, and perhaps more than once, that he didn't need to worry about me, and I could take care of myself.  He should take care of himself, and go ahead and retire.  He didn't.

Of course, it's easy when you are in your 20s to imagine that people in their 50s can retire, which isn't really the case.  Probably a part of that was a sense of responsibility, which was highly developed in my father, that he couldn't retire as I was in school, which is something I worried about at the time.  But then my mother's illness was likely also a major factor.  He no doubt felt he had to make it to full retirement age given all the factors he was faced with.  He did not.*

His father didn't either, dying in his 40s.

And his father's father did not as well, although he died in his 80s.  He was multiply employed during his life, being a part owners in a store and also a post master.  At some point he became a city judge, accordingly achieving a judicial career aspiration of mine that I'm not going to achieve.  In fact, he recessed a case early for the noon break as he wasn't feeling well and then went home and died.

Of course, that's only part of the story of my ancestors and that's unfair, as your maternal great grandparents are just as much a part of your story as your paternal ones. The point is, I don't have any recollections, like some people do of "when my grandfather retired" or "when my father retired". Both of my grandfathers were dead before I was born and neither of them lived into their 60s (my mother's father was 58 when died).  My father didn't live long enough to retire either.

So perhaps that means I don't appreciate the nature of retirement and why a person wouldn't retire.

Or perhaps I appreciate it more.

I'm not old enough to retire myself, now being two years junior to the age of death of my maternal grandfather, but I'm old enough to hear the conversations about it and listen to them. Indeed, that's true of anyone making into their 40s.

In my case, however, I'd started hearing about them in my 20s, as I was a National Guardsmen.  Retirement is a draw of being a Guardsman, or at least it was then, in the oilfield depression of the 1980s.  Lots of men, and we were mostly all men in those days when combat, and we were combat arms, was the role of men, were unemployed or underemployed at that time and the Guard provided desperately needed cash, just like deer and antelope season put meat on the table.  As a lot of those men were Vietnam veterans and had at least two, if not more, years of military service in prior to joining the Guard, and they'd been in the Guard for awhile, reserve retirement was something that was really on their minds even if they had to wait age 60 to draw it, which most of them were not anywhere near being able to do.  Hard times made retirement pretty real to them.  It was only vaguely real to me, as I was in college and had a long ways to go before any such thing could be the case for me.

Well that's no longer true, which makes my presence as a silent third party in topics about retirement a different sort of thing than it was earlier.  And I have some distinct views.

One thing that really surprises me quite frankly is the degree to which people accept the common advice about keeping working once you can retire, or even have a stated desire to never really do so.  I'm not telling anyone to retire and as I'm not at retirement age as it is, or Social Security retirement age, any opinion I have on that sort of things is not really fully informed.  But one thing that's really struck me in regard to it is how many people simply assume that they're going to retire and then be perfectly okay for enjoying life while not working or, alternatively, that they'll be fine to keep on at occupations that were physically or mentally taxing for people in their 20s, 30s, and 40s, when they're in their much older years.

Many things won't work that way.

Indeed, for most, at least to a degree, they don't.

People who track human happiness, or perhaps just the happiness of Americans in general, sometimes note that the elderly are the happiest demographic, which is not only true, but frankly sad.  By and large their daily struggles are over, and by and large, given the glass and steel and cubicle world that we've made, and the abandonment of structures that gave life meaning, most people frankly aren't very happy during their long working years.  That in and of itself has to make a person wonder why all the advice exists not to retire.  Statistics year after year paint a very grim view of American working culture in psychological terms. Telling people to suck it up and keep on keeping on may not be the best advice.

It might also not be because once a person hits 50, and frankly for men it's 40, things become dicier health wise all the time.  People are generally in fairly good health in their 20s and 30s, but things begin to catch up with them soon thereafter.  If you are in any group of men in their 40s you'll be shocked to see some who look twenty years older than that and others who look twenty years younger.  Injuries, genetics and daily living catch up with people.

As just such an example, this past week (this was written on September 23), the state bar circulated the news that a lawyer in Cheyenne had died, and in looking it up, I saw that she had died of a cerebral hemorrhage at age 50.  Not old.  This can be caused by a lot of different conditions, including an injury.  But it can also be caused by high blood pressure and other things that you genetic makeup may predispose you to.  In that case, generally if its detected early enough, you'll make it into a longer life.  An aunt of mine who had high blood pressure, for example, made it into her 90s, whereas my grandfather, who also did, didn't make it so long and passed away in his 40s, as earlier noted. The key there is that it was detected in his case at an age that they couldn't really do anything about, although frankly he was heavy and that no doubt didn't help things at all.

Anyhow, that's just one such example.  I'm in pretty good shape in my mid 50s but I'll note that a friend of mine who is the same age about walked me into the ground during sage chicken season.  Keep in mind on that we both walked for miles, so it's not like I made it a few yards and stopped.  But the point here is that he's in really good shape, and that's in part due to his work, which keeps him that way.

In contrast, a couple of colleagues I vaguely know are at the point where they're a physical mess.  There's a variety of reasons for that but if I were to hear that they were physically incapacitated or died, it wouldn't surprise me at all.  Lifestyle, in those cases, is clearly an element.

All of this deals with people in their 50s, not their 60s. The 50s are the decade where you really start to pay the piper for the dance.  By the 60s the bill is really coming due in spades.

And this doesn't really take into account things you just can't do much about but which hit some people anyhow.  Women who had no warning will develop breast cancer irrespective of their never having smoked and the like.  Men will start developing prostate cancer simply because they're men.  Other rarer forms of various diseases hit people without warning and without known cause.  And all of that just deals with physical ailments.

For some the more dreaded diseases, the ones of the mind, really start to come in during their 50s or even their 40s.  That's fairly rare however.  But by the late 60s that's less and less true.  Not everyone gets them by any means, but when Americans talk of retirement and the "I'm going to work until my 70s" talk comes out, its as if nobody ever is so afflicted.

Indeed, not do those ailments rob many people of their old ages, but directly and in terms of vicarious impact (being married to somebody in mental decline is no treat), it's a problem that's so significant that it ought to be addressed in terms of not "when will you retire" but "you must retire".

Ronald Reagan was 70 years old when elected President, which was seriously regarded as quite old for the office at the time.  Since that time the United States has come to entertain increasingly older and older Presidents.  Reagan, according to those who knew him well or who have studied him, was an extremely intelligent man who affected a lesser intellect in the same way that Dwight Eisenhower had earlier in his career.  Nonetheless there's some fairly serious speculation on whether Reagan's dementia had manifested its onset during his second term.

The United States to date has been extraordinarily lucky that it has not yet had a President or a Supreme Court Justice who clearly suffers from dementia.  We will sooner or later if we continue to believe that simply occupying those offices makes a person exempt from being afflicted.  The Supreme Court is particularly remarkable in this regard in that the occupants of that court are often ancient.  The recent health problems of Justice Ruth Bader Ginsberg give a really good example of how, sooner or later, there's going to be a real disaster on the bench.  In her case, her afflictions were physical and not mental, but any rational person has to concede that, absent a change in how the court is staffed, sooner or later some justice is going to be afflicted with dementia and its not going to be caught until its fairly severe.  Even at that, it's almost certain that the Justice's staff will work to conceal it until its simply not capable of being concealed.

Woodrow Wilson exhibited a slender body form that's the more or less modern metro ideal, but his health was horrific.  Suffering from high blood pressure, Wilson had suffered his first stroke in 1896 and would have subsequent episodes prior to his debilitating stroke of 1919.  Wilson was 63 years of age at the time of his last stroke and had suffered his first when he was 40 years old.

This is a good argument for retirement to occur in certain occupations, particularly public occupations, prior to the potential ravages of time taking effect, although it isn't the only reason to have a mandatory retirement age in some occupations. Just taking that on in and of itself, however, a good argument can be made that in certain occupations, an out date should probably be mandated as to avoid the "Apres Moi, la deluge" type mentality that some acquire after long service.

Charles de Gaulle who couldn't conceive of a French republic without himself being there.  A vigorous man his entire life, he departed life suddenly at age 79, just two years after leaving office.  He predicted the "deluge" following his retirement, but it didn't come.

That's basically what we see at the Supreme Court level right now, and its surprisingly common with people in all walks of life.  People come to the view that at some point they're completely indispensable.  However, very few people really are.  In odd circumstances, and perhaps in a small handful of jobs, the opposite is true.  But it's exceedingly rare.

Mentally vigorous, but physically frail, Justice Ruth Bader Ginsburg is now occupying one of the most powerful positions in the United States at 86 years of age, twenty years after the conventional retirement age.  She's occupied the seat since she was 60 years old.

Indeed, examples to the contrary abound.  And not only do they abound, a person who self occupies that indispensable position can in fact hurt the very institution that the imagine themselves critical to.  Let's call it the Eamon De Valera Effect.

Eamon De Valera, who was the Irish Prime Minister from 1937 to 1959, and then President of Ireland from 1959 to 1973.  He died two years after leaving office at age 92, having left office at 90 years of age.

De Valera was a force in Irish politics before there was a modern Ireland.  Self appointing himself the Irish "President", recalling the term for the American head of state, during the Anglo Irish War, he went on to be an unyielding voice for Irish Republicanism and a central figure in the creation of the Irish Republic.  He was the country's Prime Minister for twenty-two years before stepping up, so to speak, to the role of head of state which he occupied until he was 90 years old.  He was a giant of Irish politics.

He also wasn't a George Washington of Irish politics who saw the need to step down and his own views came to so dominate Ireland that much of the country's current flirtation with flippancy may be put at his doorstep, or tombstone if you prefer.  An extreme conservative in many ways, he created an agrarian state with a special relationship to the Church that the Church itself attempted to prevent but yielding to in the end.  His view that he was indispensable to the Ireland he created may in fact have been somewhat correct, but that has proven to be a problem.  By dominating Irish politics for so long, Ireland was not allowed to really evolve into a more modern state earlier on, which it would have done in a way which likely would have accommodated its culture and religion more fully.  De Valera's refusal to go helped freeze Ireland in place for decades with the predictable result that when change inevitably came it came in a radicalized and ignorant fashion.  De Valera would have done his country a huge favor if he'd retired upon reaching that age.

And that's the real risk those who imagine themselves to be so important run.  Nobody lives forever, and by insisting that you control until nature determines you will not doesn't prevent a changing of the guard, it delays it, and delays it in a fashion which precludes it being done well. The United States Supreme Court has become the absolute poster institution for that fact.  With no mandatory retirement age, Justices now serve into their extremely advanced age, well beyond the era of their appointments, and either attempt to time their retirement such that they will be replaced with somebody they more or less approve of, or they simply determine to occupy the position until they die.

Justice Anthony Kennedy, a disappointment to conservatives, seems to have reached back towards the President who appointed him in terms of choosing to retire when he did.

The entire process accordingly subjects the entire country to constant turmoil at the Supreme Court level, a turmoil that's gotten worse as the country has become increasingly politically divided. It's also caused the dead hand of prior Presidents to be remarkably present many years after their original appointments.  The recent retirement of Justice Kennedy gives a good example of that.  Kennedy was appointed by Ronald Reagan and, in spite of not having been the conservative justice that was hoped for, it seems that he cast back towards the politics of his appointer in scheduling his retirement.  In contrasts, Clinton appointee Ginsberg seems to be holding on until somebody more like Clinton is in office, assuming that she simply doesn't choose to depart when called to the final docket.

That all pertains to important public offices, of course, so a person can logically argue that doesn't have much to do with conventional employment.  And they'd be at least partially right.  But there is something to it.  An individual in a private institution can become as ossified as one in a public one, and the ravages of time are every bit as present.

As an example of that, years ago I was working on a contractual matter in which it was clear that something odd was going on with the other lawyer.  When we gathered for the closing, it was clear that he'd become completely senile. His longtime secretary was doing the real work, Edith Wilson fashion, and doing it fairly well.  But it wasn't quite right, and the explanation for that became clear at that point.

Edith Wilson, President Wilson's second wife (his first predeceased him).  She effectively operated as President while Woodrow Wilson was debilitated due to a stoke.  Fortunately for the country, she did a good job at it.

That is an extreme example,, but many others abound. Finding examples of institutions in which an elderly figure holds on when he shouldn't are fairly easy to find.  Family businesses of all types, in which a founder brings his children into them and then won't yield to their decisions, are particularly common, often leading to the end of the business when a frustrated child simply chooses to quit.

Outside of that, i.e., debilitation and limitation coming into play for those not retiring when they can, there's also a certain sadness necessarily associated with the "I'll keep working" point of view that's hard to escape.

We all as children have very broad interests.  That continues through our teen years and early 20s, but the impact of work and the "occupational identify" tends to operate to destroy it or bury it in a lot of people.  People who when young had a wide variety of interests drop one, then another, then another, until by the time they are within a decade or so of retirement they've stripped all their interest down to work.  If you run into the friends of your youth and ask them about some activity they did when younger the reply "oh. . . I haven't done that for years" is a common one.  Indeed, if they have an outside interest its often one that's frighteningly associated with their occupations, either as an auxiliary way of doing business, an activity directly associated with it, or worse of all, an activity that was designed to drown it out at all costs.  Young men who had been outdoorsmen in their youth are found, forty years later, maybe golfing, watching over mock juries, or drinking.  Not a good development. For quite a few, work is all that's left.

Not all, of course.  Not by other means. But one thing about retiring is that it gives a person a chance to do those things, perhaps, again.

It also gives a person the chance to exercise what may have been a secondary vocation, or even their primary one. Their "calling", so to speak.

Just recently here I wrote about Norman Maclean, the author of A River Runs Through It.  I have a second post in the hopper regarding Maclean that I may, or may not, finish, dealing with the fact that his published writings all come late in life.  Indeed, they came after he had retired as an English professor.  My thought was that, to a degree, that was a tragedy, particularly as he left a selection of long worked upon but unfinished work.

But what that doesn't completely acknowledge it is that writing is really hard work. At least good writing is.  People who write are working at writing and its taxing.  People who write at history, moreover, or historical fiction, are not only writers, their researchers.

This has become increasingly obvious to me as I'm not only a lawyer, I'm a writer.  I write here constantly, of course, in part because I'm a compulsive writer, but in part because writing a lot hones your skills at writing. And not all writing is the same, although the more you write for a wider audience the more all of your writing begins to be of that type.

Anyhow, as a writer who is employed full time, indeed who has two jobs, I'm like Maclean.  I'm not getting my writing completed.  I may well have to wait until I retire, assuming I live that long.  But that's the point.  Maclean likely didn't finish his works written while he as a professor because he was working.  They had to wait.  People who have that auxiliary vocation, or even primary one, that are suppressed due to the need to work take that vocation with them to the grave if they never retire or retire too late to exercise it.

And there are a lot of those sorts of things.  For example, in my state there is or was a Catholic Priest who didn't take up that vocation, which he had all along, until he was retired.  In that time period he'd been married, raised a family, and become a widower.  At that point, he sought leave to enter the seminary and take up a calling he'd heard in his youth but never heeded.  Indeed, remarkably, both he and one of his children were priests at the same time.  A well known local lawyer did something similar to that when he retired from the law and became a rabbi.

Some time ago I read of an instance in which a Canadian man whose father had been a career Canadian Army officer entered the Canadian Army in his 40s.  The Canadian Army still allows for that and he'd always wanted to be a soldier, but life had interrupted his goal.  He finally acted on it, after leaving his civilian employment.  Locally a retired investment broker works enthusiastically at a fishing tackle store as fishing was always his real passion.  A bull testing I was at a while back had an ancient man who was assisting as a lab tech for the veterinarian, who turned out to be his son.  It was his chance to be outdoors around animals.

I can't say, except in the case of public servants, that anyone "must" retire.  Ultimately, that's an individual choice.  But I really question where societal pressure operates against it.  "Work a few more years" presumes you have those years when you might not.  "I don't ever want to retire" suggests that maybe you've forgotten your other joys or are afraid to have to face life without the roar of work.  Time moves on and we don't get it back.  For some, working until the grave or until quite close the grave may be their real joy.  But for most it won't be and pondering something else, if they can, should be done.


*And then I took over in that department, although my mother had revived a bit in my father's very last years.