Last weekend my husband and I had the pleasure of visiting the Pink Floyd exhibition ‘Their Mortal Remains’ currently on at the V&A museum. I sat mesmerised listening to and digesting the lyrics of ‘Time’:
“Ticking away the moments that make up a dull day
You fritter and waste the hours in an off-hand way
Kicking around on a piece of ground in your home town
Waiting for someone or something to show you the way
Tired of lying in the sunshine, staying home to watch the rain
You are young and life is long, and there is time to kill today
And then one day you find, 10 years have got behind you
No one told you when to run, you missed the starting gun
So you run and you run to catch up with the sun but it’s sinking
Racing around to come up behind you again
The Sun is the same in a relative way, but you’re older
Shorter of breath and one day closer to death
Every year is getting shorter, never seem to find the time
Plans that either come to nought, or half a page of scribbled lines
Hanging on in quiet desperation is the English way
My time is gone, my song is over
I first heard these words way back in my teens, when I promised myself that this wouldn’t happen to me; I would live a full life and fulfil my plans and dreams.
Since then, many more than 10 years have got behind me and those years are starting to feel shorter. Having helped build many Financial Plans for clients over the years, the time has now come for me to embark on my own retirement planning.
Whilst listening to these lyrics again it struck my husband and I that a Financial Plan is exactly what we need to help ensure that this won’t happen to us, or at least to stop the rot! By helping us understand when we can afford to retire to our desired lifestyle, our plan will be the ‘something to show us the way’. It will tell us when we can run, so that we won’t miss the starting gun, and it will give us the reassurance that we can fulfil our plans.
The lyrics also remind us that nothing lasts forever and that it is better to go ahead and make plans that DON’T come to nought so that we don’t end up ‘hanging on in quiet desperation’. A great financial plan shows you how to achieve your goals and more importantly gives you permission to go ahead and live them in an enjoyable and stress-free way.
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