I've always planned on outliving Cliff. Honest! But lately, my gut feeling tells me that I'll go first. This doesn't upset me, mind you. But the two of us talk about such things. It's a sign of old age, I guess.
So today, I mentioned to Cliff that I don't know how the 401K thing works. Do you collect it all at a certain age? Do you collect it even if you decide to go ahead and work for a few years? We don't have a clue.
Then we got into the Social Security issue. Cliff could sign up for his soon, since he'll be 62 in June. If he socked it all away in an IRA, would that be smarter than waiting until he's sixty-six? We don't have a clue.
Then I told him I intend to get most major debts paid off in the next three years. Because if I died today, he'd not have any idea as to how to pay the bills. So he'd better live at least another three years.
He said he'd probably just work overtime to pay stuff off (to keep from missing me, I think, but he didn't say that.)
Then we talked about if he died first.
"I'll have an auction as quickly as possibly," I told him.
"You'll have to have somebody help you get stuff lined up and ready," he says.
"Kevin (my son-in-law) will help," I said. "And your brother, Phil."
"With all that stuff, plus the house and grounds, you ought to be set up pretty good," Cliff answered.
"Yep, even the car will sell, since I don't drive."
Now to younger folks, this probably sounds morbid. But it's the strangest thing... Cliff and I have no trouble at all with such conversations.
And that's a good thing!