Rolling the Dice
Jerry Hatrick had converted the back booth of the Marina’s Pilot House Lounge into a personal office, judging by the papers strewn around his empty pint glasses. “Whazzup?” Flathead Fred asked amiably as three of us yahoos slid in with our own beers at risk of foaming onto Jerry’s table top filing cabinet. “You doing your taxes early this year??”
Jerry pushed a pile of papers into a heap, leaned back with a groan and said, “Just trying to decide whether to take Social Security now … or wait.” The boyz are all over this one since we’re of that age. Fred took his at 64 even though the benefits were way less than if he’d waited til 70. “I’m grabbing what I can before they go broke,” he told Jerry. Phil laughed. “Fred, if the government goes broke, you got worse troubles than no monthly check.”
“Laugh all you want, Phil, I’m hedging my bets. There’s less people putting in and more of us taking out. You do the math.” Jerry said that’s exactly what he was trying to do before we interrupted. And that was assuming he lived until, oh, 90 and then how much would the difference be if he took early retirement and what would it be if he took it at 66? The last thing he needed was Fred’s monkeywrench logic, which included inflation, health insurance, nursing home care and anything else he could throw in to muddy Jerry’s mathematics. “Whadda you think, Skeeter?” Phil asked about ¾’s of a pint into the discussion.
I’m 64 and eligible for an early pay-out myself. Recently I got my earnings statement for the past 47 years. Four years I made zip. Nada. Zilch. Nine I didn’t break into 4 figures. The boyz consider me semi-retired and so do I … since about 1975. Truth is, I tell em, I’ll be working as long as I can. Which, of course, cracks the table up.
“Next you’ll be wanting us to buy your beers out of sympathy,” Fred crows, shaking his head. Fred worked for 45 well paid years as a construction foreman. His reduced benefits would look pretty good to this grasshopper who fiddled away his working years. Jerry’s going to have a hard time too, I know. But his working days are over with his arthritis problems and pretty soon he’s going to have to roll the dice like the rest of us. If I know Jerry, he’ll have a few more pints, divide by an even number, weigh the empty glass and then flip a coin. Just like the rest of us high rolling gamblers….
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