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Rob (age 70) and Paula (age 68) Grey who live in downtown Denver just sold their investment management/financial planning business. The concept of retirement didn’t seem to fit their colorful lifestyle so they have come up with a new concept…”ReFirement” rather than retirement.

How colorful, you ask. Rob grew up in Ohio and Florida because his parents could never decide which state they liked best. Rob was in his high school’s debate club and attended a national debate competition in Denver. He decided that’s where he wanted to live. This was the basis of his first marriage...finding a women who wanted to move to Denver (how romantic). After his "starter wife", Rob met Paula.

Paula’s dad was in the Air Force and they moved around until she was 10. Her family rooted in Los Angeles where Paula graduated from high school and University of California, Santa Barbara. Paula married a high school friend but neither that marriage or her second marriage lasted. Then she met Rob.

Rob hired Paula to work with him in the insurance business. They were great business partners and soon Paula was making more money than Rob so he asked her to marry him. Rob's investment management business was launched with Paula's income from the insurance business but soon became their main business venture. This all happened 36 years ago, proving, at least for Paula, that 3 times is a charm when it comes to marriage.

Paula explains that she still hasn’t decided what to be when she grows up because she has had so many “careers” and/or business ventures. Rob served his military time as an Army Corpman working with amputees from the Vietnam war then mentally ill inpatients. With that knowledge he decided to get his masters in Religious Education at the Iliff School of Theology (he was the only recovering-Catholic in this Protestant seminary). After serving as a youth pastor, he was prepared for the insurance and then investment business...right?

Through their 36 years together they have raised 4 children and now have 6 grand children and 8 grand dogs. In addition to the investment and insurance business, they also had a multi-level marketing business, Aspen-based personal growth seminar business, shampoo & conditioner business, motorcycle customizing business (each rode their own Harley for 25 years) and Paula is a hair stylist.

They have a lot of experiences to share plus ideas about how to “refire” rather than retire...so this blog was born. They hope you find it entertaining, informative and inspiring.

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What is Retirement? by Rob Grey

During my years of working full-time, I always looked forward to my 3 day weekends and you probably do as well.  However, I do not look forward to the prospects of a 30 Year long weekend. I have spent the better part of my professional life helping people financially prepare for "retirement."   Frankly, I did a good job for them and for myself as well.  However, now that I have "arrived" at retirement and recognize that I could live well into my 90's, I recognize the next 20+ years of my life is a journey that I am not fully prepared for.  I am at the crossroads of "if I am what I do, then who am I when I don't? "  In other words, if my identity is my work, who am I when I am no longer working? One way to answer that question is to never stop working.  Despite the fact that I sold my business,  I still consult with a handful of clients that want my help, but it does not equate to 40 hours per week. So, I have begun asking myself some questi...
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What Snakes Can Teach You about Retirement Spending by Paula Grey

SNAKES & THE IRRATIONAL FEAR OF SPENDING Now that I have settled into retirement, I am aware of an irrational fear that keeps popping up inside me.  I've focused most of my life on becoming debt free and saving for retirement but now that I'm retired with plenty of savings to fund my lifestyle, I'm afraid to spend my money.  Apparently, I'm not alone according to this article that I just read (see link below). When I was working on my Masters in Education, my thesis was "Coping With Cold Blooded Fear."  I had two pet boa constrictors that I kept in my classroom; my students loved them but many adults were very afraid of them.   Boa constrictors are not poisonous and can't strangle an adult so I identified this fear as an irrational one.  I started doing public talks with my snakes around my neck. Giving the talks helped me identify how to help people move beyond  their fears.  People asked, "are they slimy...will they bite...will they get tigh...
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The Probabilities of Living Past 80 & How Interests Shift ..... by Rob Grey

Two guys grow up together. After college one moves to Michigan, the other to Florida. They agree to meet every ten years in Vero Beach and play golf. At Age 30 , they finish their round of golf and go to lunch. “Where you wanna go?" "Hooters.”   “Why?” “Well, you know, they got the gals with the tight shorts, and the great bods' …” “OK.” Ten years later at age 40 they play. “Where you wanna go?” “Hooters. “Why?” “Well, you know, they got cold beer, and the big screen TVs, and the football games.” “OK.” Ten years later at age 50 they play. “Where you wanna go?” “Hooters.” “Why?” “ The food is pretty good and there is plenty of parking.” ”OK.” At age 60 they play. “Where you wanna go?” “Hooters.” “Why?” “Wings are half price.” “OK” At age 70 they play. “Where you wanna go?” “Hooters.” “Why?” “They have 6 handicapped spaces right by the door.” “OK.” At age 80 they play. “Where you wanna go?” “Hooters.” “Why?” “We’ve never...
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