Lately I’ve been obsessing over things I’ve done (or didn’t do) in the past. Very unhealthy.

About five years ago when I worked at Bank of America, one of my manager set me aside to talk about the 401(k) benefit I’m entitled to as a peon of the corporation.

Now, I’m not sure if it was corporate policy to encourage employees to seriously consider planning for retirement, or my boss just cared for my financial well being (probably the latter), but she told me that if I start to save for my retirement (then at the age of 20), I would be miles ahead of the game.

Of course, being the air head that I am, I soundly ignored and dismissed her advice.

“A cut to the already measly paycheck? No way!”

“But Cap, it’s important to seriously consider your financial future. The company match can be significant over a long period of time,” said the concerned manager, “I’m 36, and if I can go back in time and get started at 20, I would take the chance in a heart beat.”

“Well.. I don’t think I’ll work here that long. Moving this plan to another employer is such a hassle…”

“That may be true, but even if you don’t utilize the 401k, I would seriously recommend you look into other various individual retirement accounts available out there.”

“In fact,” she continues, “if you need any help on getting started, I’m more than willing to walk you through the necessary steps.”

“Ah, I’ll get back to you on that. But yeah, I appreciate the offer!”

And of course I never talked to her about retirement planning again. Another moment in my life where I ignored a genuine offer of help. Dammit all to Omicron Persei VIII.

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