It’s Nice When Your Big Life Decisions Are Validated

If you’re a new reader and not familiar with my story, I reached financial independence accidentally by saving money and investing.  I semi-retired and went “half-time” to 20 hours a week at my job in late 2017.  I’ve been doing this 20 hour a week thing for so long now it’s become my new normal.  As I found out recently, that has implications. 

A few weeks ago, my happy-go-lucky life of leisure was dealt a shocking death blow from the past.  A week of misery validated my big decision to change paths.

 

By Choice

Let me state for the record that I still like being engaged at my W2 job for now, which is one of the two main reasons I don’t fully retire.  As long as I’m not managing anymore I find the work can still be intellectually stimulating and not too bad.  But 20 hours a week is plenty enough.

The other main reason I stay on part time is that I get to keep my healthcare plan, which despite a pretty significant cost is still way better than going on the ACA. 

And since COVID hit last March I’ve been working from home.  While a global pandemic is surely not the reason I would choose to become a work from home employee in an ideal world, it’s how it happened.  For me WFH is a silver lining of this whole mess. 

I absolutely love working from home.

 

Team Player

ValidatedThe project I’ve been working at my job unlike most government projects is on schedule and tracking for success.  I knew we would have a stressful February and March based on milestones, and I tried to prepare. 

In early February it was clear I was going to have to work a full 40 hour week to keep the project on course.  Holy crap, I hadn’t done a 40 hour week at my W2 job in over 3 years

Since I’m paid on a bi-weekly basis I’m required to work 40 hours every two weeks.  As a senior employee they allow me tons of flexibility and I can essentially make my own schedule, but since I went part time I’ve been sticking to 20 hours a week for the most part.  I usually do those 20 hours in two 10 hour days, that way I have 5 days off each week. 

I’m still a team player, so for the sake of the project I decided to take one week off completely and work 40 hours the week it was needed.  What I dreaded the most however is that the 40 hour week would be conference calls pretty much all day, every day. 

We would be interviewing and vetting technology companies to award a competitive contract.  Interviews were scheduled at the top of every hour, and lasted 50 minutes.  That gave us a whopping 10 minutes to finish our notes, and get ready for the next one. 

 

This Just Plain Sucks

As the week progressed, the suck-factor rose at an astonishingly rapid rate.  I was suddenly thrust back into the world that I purposely went part time to get out of.  The world of jam-packed days with barely any breaks, all day meetings with chat sessions running simultaneously, and basically chaos. 

In a nutshell it’s unhealthy and insane. 

At the end of every day I was mentally exhausted, that part was expected.  But I was also physically exhausted, my whole body was tired.  And I worked out way less that week

It was just like the old times, the bad ole timesStudies suggest mental fatigue causes perceived physical fatigue, but not actual changes in biological measures.  Either way, my physical exhaustion felt real enough to me. 

I plopped down in bed every night feeling wasted.  And unlike normal, I had to keep doing it again the next day.

 

WFH = Amazing

It's Nice When Your Big Life Decisions Are Validated

The fog of work….

Being at home basically stopped this really sucky week from breaking me.  I chatted to a colleague one day that I was going for a bike ride during our merciful one hour lunch break.  She said “A ride!?  How’re you fitting that in?“. 

She’s at the office, I’m at home.  That’s how.  Working from home gives sooo much flexibility. 

If I were at the office it would be a 5-7 minute walk to the gym to change into my riding clothes.  On the way I’d no doubt run into two or three folks I know and have to stop. 

“About that project blah blah….”

“Hey have you done any climbing lately?  I was reading an article about blah blah….”

Poof…..there goes 5 minutes, there goes 7 more.  Then I’d have to change, attempt to leave the building without running into someone else I know, walk the extremely long distance to get to my bike, and then attempt to ride.

Then I’d have to come back in early to leave enough time to shower quickly, change back into my work clothes, and get back to my desk before the next meeting.

Virtually impossible.  I’d be lucky to get 15-20 minutes of riding, and I’d be stressed the whole time.

But at home it went like this – during the final 15 minutes of the meeting before lunch, I’m changing into my cycling clothes.  No, I’m not on video calls – I do audio only for this reason! 

I was rolling my bike out of the basement door as I was hanging up the last call, and turning pedals 2 minutes later.  

On a couple of the days I was able to get a full 55 minutes of riding in, then walk back in the house and dial into the next meeting with a few minutes to spare.  It’s friggin’ fantastical. 

And with no one to watch me and judge I was able to change and eat as the next meeting went on. 

This is still not an ideal situation, but it beats the shit out of the alternative by a mile.

 

Choices, Validated

What a week.  Work-wise it was successful and we accomplished what we needed to.  But what I really took away from the week was a complete validation of my choice to semi-retire and go to half-time

I can’t live like that anymore, I couldn’t even fathom doing another week like that right afterwards.  That’s what my project colleagues had to do. 

As hellish as that week was I was still enjoying the benefits of working from home.  And I wasn’t dealing with management crap like I used to on top of everything.  I wasn’t even experiencing the full misery that I used to live every day!

The whole experience made me realize I’ve lost my tolerance to handle that shit.  I posted a while back about how I’ve been slowly losing my W2 muscles, but I’ve also lost the fortitude to handle the time-crunched chaos of that world. 

I generally don’t like to use the phrase “I’ve lost the ability to…” as I’d like to keep gaining abilities in life.  But in this case I really think I’m at peace with it.  I’ve become a full time white collar wuss, and that’s who I am. 

Deep down I know I could adapt back if I really needed to, but I have no interest in that.  Good riddance.

Financial independence has freed me from that fate.  I chose to semi-retire and in early February my choice was validated.

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Dave @ Accidental FIRE

I reached financial independence and semi-retired in my mid-40's through hard work, smart living, and investing. This blog chronicles my journey and explores many aspects of personal finance including the psychological and behavioral factors that drive our habits.

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28 Responses

  1. Xrayvsn says:

    Once you are used to having a certain amount of time off it really is hard to go back to a regular work week.

    Recently I have had a run of 5 day work weeks. Doesn’t seem bad as most people do this but after getting accustomed to 4 day work weeks that extra day feels far more brutal.

    It is much easier to adapt to going to a lower work hour commitment than a higher one.

    • Dave @ Accidental FIRE says:

      Absolutely Doc, so true. Getting “acclimatized” to an easier way of life is, well, easier. I know deep down that I can adapt to anything and succeed, but it’s awesome knowing I should never have to

  2. Jacq says:

    I have been taking advantage of WFH to go on my walks, especially with the fewer hours if daylight in the winter. If there was a 1 hour plus block of time in an afternoon I’d ‘pop out’. I can do work stuff when its dark.
    I still go into the office some days and as much as I do very much like the people I work with, they want to talk to me. Next thing you know I haven’t gotten anything done, and and then am at my desk til 6 or 7 just to wrap things up. Not great with the drive home too! (Thankfully not that bad of a drive.)
    In June & Dec I supported the other site for a week, which was a 1hour+ commute each way and in person despite the pandemic. The extra level of tired was very real! At least for the June week a friend from my site was there and we motivated each other to walk around the building on lunch break.
    I’ve told my boss I hope to not go back to the office 5 days a week after this. I’m so much more productive from home. He’s agreed with the productivity being good & that we don’t need to physically be there all the time. We will see what actually happens.

    • Dave @ Accidental FIRE says:

      Ugh, a 1 hour commute each way. I did that at the start fo my career and it made me beyond miserable in addition to the huge vehicle and gas expenses. It’s no way to live

  3. Good for you for getting the validation. I’ve had similar experience, though smaller in scale. Upon retiring, I was invited to join the Board of Directors of a multinational company. I thought it over, figured it would be a fun experience, and insisted to the Chairman that it not be invasive on my time (nice to be in demand), he agreed and has honored that pledge. Quarterly board meetings are the only exception, where (pre-COVID) I’d drive the 2 hours to the airport, fly somewhere, enjoy a biz dinner, then sit in a board room for a full day before flying home the next morning. I feel like an imposter at every meeting, reminders of my life in Corporate America flooding through my head the entire day.

    Internally, I scream. Externally, I smile.

    Then, I fly home, and smile during my entire drive to our retirement cabin, knowing retirement is my real life, I only play around with the Board gig (and, the comp more than offsets the slight inconvenience). Validation, indeed.

    • Dave @ Accidental FIRE says:

      “Internally, I scream. Externally, I smile.” Ha, what a great way to sum it up. There’s also probably a part of you that likes the engagement. I read your blog, you’re a smart type-A type 😉

  4. those conference calls sound horrible. really horrible. i don’t think i could do that kind of work where i had to be on them regularly. i’m pretty happy the past 3 years just coming to work in a big chemistry lab and doing work i’m overqualifed for. plus, the bathrooms are clean here.

    like you, dave, if i had to go back to the kind of setting and work i was doing 10 years ago i would quit and figure out something else. it’s good to invest well and have options.

    • Dave @ Accidental FIRE says:

      oh they are horrible, it’s like I’m chained to the phone and so many people talk over others or forget to mute their microphone. It’s a mess. But still better than having to go in to the office physically and deal with all the junk food and crap

  5. I can completely commiserate with this. After taking six months off and then getting back to doing some work on AR and other side hustles I can feel the stress in my body. I feel exhausted on days where I sit in front of my computer too long. Frankly it scares me a bit that most humans live this way still. And it’s likely gotten worse for a lot of folks working longer hours at home during the pandemic.

    • Dave @ Accidental FIRE says:

      yep, covid has made it worse. Hopefully that light at the end of the tunnel keeps getting brighter

  6. I have gone through this scenario in my mind as well. I even consider non corporate office jobs and if I could handle a full week of 9-5 doing the needed tasks. I am not sure I could and would probably go through what you just did. Especially for us outdoor types that need to run, hike or bike every day.

    • Dave @ Accidental FIRE says:

      We’re both now officially full-time employment wusses! And much of that time has been replaced with outdoor physical activity. This is a significant upgrade in every way 🙂

  7. I don’t think I could go back to full-time work. Having autonomy really spoiled me.
    People that are used to it can handle it. But it’s just too stressful for me.
    Cheers.

    • Dave @ Accidental FIRE says:

      From the tone you take on your blog and the description of your former job I doubt you’d ever do it Joe. You played all your cards right and beat the system, in a big way

  8. Nancy says:

    Have you found PT to help with your transition to FIRE? I’ve run multiple retirement calculators and even the basic rule of 4% SWR (really 3.3%) has been achieved, but I’m still having trouble pulling the trigger on retiring from my “career” job. I’m trying to focus on what to “retire to”, rather than “retire from”, but still having some ‘fear’ about retiring early.

    • Dave @ Accidental FIRE says:

      Oh it’s helped in a HUGE way and I’m surprised more folks don’t do it, although I realize many employers unfortunately aren’t open to it. You get to stay engaged in whatever you do but free up so much time to start on the next chapter of your life. I’ve built an entire business that’s paying my mortgage and expenses with the time I took back. There are also some things to consider as to how it’ll affect your relationship with your job as I posted about before. You should definitely consider it.

  9. Mr. Fate says:

    Excellent article Dave. I’ve often wondered if I even possess the constitution nowadays to survive one of my former 60-hour workweeks with the insane travel. Just reading this alone assured me that I don’t. I too am now a White Collar Wuss. The real gem here is the open acknowledgment that our decisions to scale back or walk away completely from our former FT careers we’re indeed very solid and beneficial decisions.

  10. EarthFI says:

    Totally agree. I’m considering W2 promotions… and keeping Eyes Wide Open of any losses to such freedoms. Not worth it!!!

    • Dave @ Accidental FIRE says:

      You are smart, be wary of those promotions and analyze all angles of them. They can sometimes be devils in disguise

  11. Chris@TTL says:

    Now imagine doing everything you did during your hellish week, but like you said, week after week. Perhaps much like you did in the bad ole days. But then imagine doing it with the weight of a balloon mortgage, car payments, kids extracurricular activities dues, etc. Gotta pay the bills! And if you don’t keep grinding, someone has to sit down the family and tell them why there’s no more soccer practice, playroom, or new car.

    I had a conference call yesterday with four people on, setting up a new project. I agreed to play a light PM role just to keep things moving along but am skipping out on any development/design/UX/etc. So really I’m just putting the teams from different organizations together to get it done. Even that nearly had me hives. We do get used to our situations, don’t we?

    That said, we need to count ourselves lucky.

    I hope all the cycling talk means you’ve been taking advantage of this week’s weather! It’s been a tantalizing look at spring coming for us—we covered 15 miles cycling out in the sun yesterday along the river (complete with a picnic lunch!).

    • Dave @ Accidental FIRE says:

      Great comment man, I do have to continually remind myself that so many folks out there have it way worse than I did even during that hell week. Part of my gratitude practice.

      And keep riding those bikes, spread the magic of cycling to as many people as you can!

  12. Same. I recently had to do two 40-hour weeks of going into the office after a year of WFH and it was hell. But like for you, it was a great reminder of how good I have it when I don’t have to do that! I am not going back to that ever again if I can help it. I might have to look for a new job at some point, and I might not even enjoy the work as much, but that’s a price I’m willing to pay. I bet there’s a lot of us like that out there who are going to make the job market very interesting when our employers start wanting us to come in again.

    • Dave @ Accidental FIRE says:

      Great point – I think we need to be reminded how good we have it by experiencing that crap from time to time. Kind of like going to a third world country to appreciate how good we have it in America. It’s something more Americans should do.

      And yes we are going to make it interesting indeed. We have FU money, and me myself, I have a foul mouth and am not afraid to say it out loud!

  13. Mr. Tako says:

    It would certainly be tough for me to go back to the 40 hour a week grind. I admit I’ve been spoiled by financial independence. Having time to actually do something with my life besides work is amazing.

    I think a lot of people have gotten a taste of that life due to COVID-19, and I wouldn’t be surprised if more employers were open to people working from home (at least part of the time).

    • Dave @ Accidental FIRE says:

      It is amazing innit? And I’m not even fully retired, I’m looking forward to even more amazement.

  14. Andrea says:

    Well I haven’t retired yet because I love deploying to Antarctica for part of every year but every time I return to the office (even WFH) I get the same validation! It’s a tough thing and I totally get that feeling physically tired after sitting on calls all day. It’s so true and one of the worst parts. It’s a problem for pretty much every working person I know. Glad you only had to do a week of it this go round!

    • Dave @ Accidental FIRE says:

      Your job is so unique and cool it throws all traditional rules out the window. I think I’d put up with being under fluorescent lights and conference calls if they were in Antarctica!

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