Best. Photograph. Ever.

Heading out for Maine this morning. My wife has been working like a slave to get everything ready for the journey. She has cleaned the house, packed with the meticulous attention to detail of a surgeon, as well as attending to all of the extra details associated with leaving Lucy here with a full-time pet sitter. Yes, Lucy will not be coming along with us for the Fall trip, a fact that she has not yet become aware of as I write this. There are lots of reasons for this. When we are here in the Fall we spend less time on and in the lake and much more time on excursions in and around Mid-Coast Maine. Lucy, not being a huge fan of excursions spends a lot of time alone at the house. Plus, she is getting older and is probably not up to two Maine trips in one year anymore. I will miss her terribly, but it’s the right decision.

Anyway, when we arrive at Loon Landing on Friday afternoon and after a day or so of unpacking and gettin the place set up to our liking, this woman will magically appear on the deck…

This is my favorite photograph of my wife. I took it 7 years ago during a Fall trip. I don’t think she was happy about me taking her picture without fair warning which might explain the fist on her hip stance. But she couldn’t help looking fabulous. Nobody looks better than Pam Dunnevant with Quantabacook in the background. And that apron…well that just puts this one over the top, don’t you think?

Debate Change Any Minds?

I didn’t watch the debate last night. Pam did because she’s braver than me. I spent the time finishing up a difficult chapter in the book I’m currently writing. It took me nearly two hours to write 750 words. It was excruciating…but nowhere near as excruciating as watching that debate would have been.

But, this morning my Facebook feed is full of people lamenting the bias of the ABC moderator. This can only mean one thing—Trump must have gotten his ass kicked. Not that it matters one way or the other. I’m not sure anyone’s mind was changed. Was yours? I’m truly curious to hear from anyone out there who watched the debate with an open mind, someone who was undecided or on the fence going in and came away having made a decision of who to vote for. What did it for you? What did either one of them say that changed your mind? What was it that clinched the deal for you? I would be fascinated to hear your story. In fact, I might even devote a future blog post to the topic: I watched the debate and have decided that I’m voting for _________.

Calm Before the Storm

This will be a busy week, lots of loose ends to tie up before we leave for Maine. I know what you’re probably thinking…Didn’t they just get back from Maine? Yes, we spent six weeks up there for our summer trip. This one is our Fall trip. Same place, different season…and that makes all the difference.

We arrive on the 13th of September and leave on the 12th of October. We will get to watch the season unfold on the lake. By the last week the leaves will be at their peak. When we get home we’ll get to watch it all over again in Short Pump.

There are many things we do during the Fall that we can’t do in the summer.

This, for one thing.

The coziness of Loon Landing in the Fall is one of its many virtues. But the best part of Maine in Autumn is that these type of photographs are routine…

By the time the calendar flips into October the temperatures drop up here. The sweaters come out. We go for walking tours of this place and that. We do more touring in the Fall, especially if the wind picks up on Quantabacook. We eat out more often. It’s a different vibe altogether, and we love every minute of it.

This year Patrick and Sarah will be up for a week. It’s been two years since they’ve been with us in Maine, and it will be their first time in the Fall. Can’t wait to show the place off. Of course, Paula and Ron will be up for a week too.

When we arrive back home life will accelerate rapidly for both of us. Pam’s school job starts up again the first day back, and I will be launched into the last couple of months of my business career, all while preparing for the holidays. So these four weeks at Loon Landing will truly represent the calm before the storm.

Always Bring an Extra Bag

The other day I was out perambulating Miss Lucy. I started out in the culdesac near my house and Lucy obliged with a truly prodigious pile of excrement which I gathered up in the poop bag I had brought with me. I temporarily deposited the bag next to my mailbox, as is my common practice, and continued our walk. As we made our way down Aprilbud Drive the thought entered my head that I had not brought a second bag for the trip. For a minute a sense of dread passed through my mind, as memories of previous “one poop bag” walks had been attempted with disastrous results. But, surely after the mountain of feces I had just collected from her, I would be safe this time, I told myself.

But, as is often the case where Lucy is concerned, the worst case scenario usually prevails. So there we were walking past the Oley’s beautifully maintained, meticulously groomed yard, when Lucy decides it’s time for round two. A one sided conversation ensued:

Me: Seriously, Lucy? Are you kidding me right now? 

Lucy: …..crickets……

Me: So now I’m gonna have to go all the way back to the house to get another poop bag, then come all the way back here to clean up after you?? How rude?!

Lucy:….low growl after big stretch….

Lucky for me, a sweet neighbor had just left her house next door to walk her dog and offered me a spare bag, saving me the trouble of the return trip. After dropping the completely purged Lucy back home I continued on my 6 mile walk without further embarrassment…except for one thing. On two other occasions I nearly stepped in even more canine bowel movements. As someone who walks this neighborhood religiously this is a relatively new phenomenon. We Wythe-Traceians have a pretty good record of cleaning up after our pups. As someone who has walked through several of our surrounding neighborhoods I can attest to the fact that we compare favorably with most in this regard! The sudden appearance of un-bagged doggie number twos can only mean one of two things…either dogs are roaming the neighborhood unleashed or one or more dog owners have temporarily taken leave of their senses, forgetting the number one rule of dog ownership in the suburbs—never leave your dog’s dumps in the streets! (Alert readers will note the great lengths I have gone to in this post trying to avoid the word shit). 

So, just a heads up to all of our fantastic neighbors, always bring at least two poop bags when walking your dogs. I could tell you about the time Lucy went through three bags in one thirty minute walk, but that’s a story for another day!

Happy walking, everyone!

To Whom Much is Given

Tomorrow is Labor Day, my last official one while still an active member of the working world. Since my first full-time, non-summer job was one I took during my freshman year at University of Richmond, it turns out that my working life encompassed the years from 1977-2024. Any inspection of those years will conclude that I had it much better than most of my ancestors, and maybe slightly worse than a much smaller number. I was fortunate not to have been of soldiering age during any major or minor wars. I never had to experience anything approaching the difficulties of the Great Depression. My working career coincided with no significant illnesses or debilitating diseases. In my 47 years of working I cashed exactly one unemployment check. I have never been fired. I have never once asked anyone for a raise. I have never had to plead for paid vacation because it has never been available to me. For the last 32 years of my career I have not been provided with any benefits like health insurance, a 401-k, or pension plan of any kind, a secretary, assistant or office. All of these things I was responsible for providing myself. In addition, as a self-employed business owner I was responsible for both the employee and employer contributions to Social Security. But this was the life I chose. I wanted to be my own boss, and it wasn’t cheap.

If I had it to do all over again… I would. I didn’t have the personality type required to work for anyone else. I was too stubborn, too unwilling to give away any of my autonomy to someone who may or may not have had my best interest at heart. For my way of thinking…benefits and a guaranteed paycheck didn’t seem worth it. I fully understand why so many chose differently than I did. I feel no sense of superiority to them. To be honest, over the years there were many, many times when I envied those guarantees. Having no guaranteed income while raising kids can be a gut-wrenching experience. But again, I was either too stubborn or too stupid to do it any other way.

I am profoundly grateful for the many opportunities I was given to succeed. I feel lucky to have been born where and when I was and to have lived in a country that allowed me to make my own way as I saw fit. I am thankful for the public schools that educated me. I am thankful for the great and good neighbors who encouraged me along the way. I thank God every day for the family I was blessed to be born into, the mother and father who taught me how to care about somebody besides myself, to look out for people less fortunate then me. 

Kids entering the work force today have many advantages that I didn’t have. The technology available to them is too staggering for me to even comprehend. But I feel sorry for them in a way too. No kid can get a job working 30 hours a week and hope to put themselves through college like I did at University of Richmond years ago. The cost of higher education has ballooned to such ridiculous heights that nobody can work themselves through anymore. It was hard enough back then. Today it’s impossible.

But every generation makes their own way. My Dad survived not only the Great Depression but also a stint in the South Pacific in WWII. He graduated from U of R on the GI-Bill as a father of four while working the graveyard shift at Reynold’s Metals. My struggles look like child’s play next to his. All of us, everyone…stands on the shoulders of those who came before us. I hope that my shoulders hold up for my kids and their kids. It’s the very least I can do. Its like my Mom used to say, “To whom much is given, much is required.”

Helpless

For men of a certain age what I am about to share will sound familiar. Or, maybe not. Maybe it’s just me demonstrating my penchant for selective incompetence. Although I have developed many fine skills over the years, there are certain things involving the care and maintenance of my health where I seem cursed. I taught myself how to play the classical guitar when I was fourteen. On three occasions in my life I have broken 80 on the golf course. I have run a successful business for three decades. I have written four novels. And yet…when it comes to keeping up with all things medical, I am a colossal failure. In the last thirty days alone I have discovered that I had been taking a medicine that the doctor had told me to discontinue, I have lost an entire bottle of meds and had to have an exception made from the insurance company to have it replaced, and finally yesterday completely botched getting a shingles vaccine!!

So, it is shingles vaccine season around here since Pam got hers last week. This week was my turn. Pam sent me a text suggesting that it was…easy. “Just go to the app”, she says, “and click vaccines. My reply might sound pathetic to some of you, but considering my track record, not unpredictable. “Are you sure I can do this?” I asked. What I was hoping for was something along the lines of, “Oh, never mind, I’ll do it!!” But no, there was a glitch in the app that would not allow anyone else but me do the honors. So, I forged ahead on my own, giant, gangly opposable thumbs doing their best. After several false starts I managed to secure a 3:00 appointment for yesterday afternoon. I actually picked up on the instruction found in the fine print that asked me to remember to show up 5 minutes prior to my scheduled appointment and check in via the app from the parking lot before entering the store. At this point I was feeling quite confident.

I presented myself to Emma, the purple-haired technician who is somewhere in the midst of transitioning between the sexes and who happens to be the only competent employee in the Pharmacy at my CVS. I gave he/her my name with a surprising amount of confidence. But then Emma says that there is no record of my appointment. I smugly handed her my cell phone with the confirmation of said appointment on the display. She looked at me with all the empathy of a DMV clerk and said, “Mr. Dunnevant, your appointment is with the CVS inside the Target on Broad Street.”

“There’s a CVS inside the Target on Broad Street??” I asked. 

“Yes Sir,” Emma replied.

“But why would I set an appointment there when this is the pharmacy I’ve used for 30 years?”

“Did you set the appointment using the app?”

“Yes…” I mumbled, a sinking feeling stirring somewhere in my intestines.

“Yeah, well, sometimes the app brings up the wrong location as the default instead of sending you to the one you normally use. You have to be careful when using it.”

So, once again my uncanny knack of screwing up all things medical strikes again. Instead of being 5 minutes early, now I had to fight broad street traffic and find this stealth CVS inside of Target. I walk in ten minutes late and the whole thing is over in five minutes. When I informed Pam of my travails she texted this reply…

“Dang…you are helpless without me!!!”

Speaking of shingles…I have already had them, several years ago, I’m told. Although I have no memory of it. When I told Pam this she looked at me like I had two heads. “What do you mean you don’t remember having shingles?” But it’s the truth…I have no memory of it at all. It couldn’t have been but so bad, right? Now, I can remember the starting lineup for the New York Mets in game six of the 1969 World Series, but having shingles? total blank. She tells me it was on my back. Maybe thats why I don’t remember because I never saw it. Whatever the reason, this is par for the course. 

And she is right…I am helpless without her.

Time For What’s Next

On December 31, 2024 I will be retiring from the investment business after 42 years. I made the decision over a year ago and am now making that decision public. I will be selling my business to Blaire Greenwood and Allison Lane of Greenwood Financial Group, people who happen to be two of my dearest friends in this world. I’ve known them both since they were annoying toddlers. Now they are annoying grownups who I love dearly. Knowing that they will be the ones taking care of my clients in the future has made the decision to retire much easier to make.

So, why now? Lots of reasons, really. First of all, it’s very hard to do anything for 42 years, but even harder to stop doing it. It becomes ingrained into who you are. But my line of work is the sort that you can’t do just a little of. You have to be all in, all the time. The business is fast moving, constantly changing—an ever evolving and chaotic enterprise. The regulatory regime that has risen up around the business has become oppressive, keeping up with the mountains of compliance edicts have become a full time endeavor in and of itself. There isn’t a place for part-timers. At the end of the day, I would just rather be at the lake in Maine.

2023 wasn’t my best health year. Had a scare or two that required several tests and medications, and also caused me to ask myself some questions like, “why the heck are you still working?!” My cardiologist informed me that the way that the human body handles stress at age 66 is far different than the way it handles that same stress at 36. He suggested politely that maybe my body was trying to tell me something. I have listened.

It’s ironic that I have made a living helping other people prepare for retirement but now that it’s my turn I feel apprehension. It’s not the money part that brings anxiety. It’s more like how do you replace a 42 year career? The answer is that you don’t. You transition to something less consuming, less burdensome, more relaxing. You find ways to embrace your new freedom. I’m confident that I will, mostly because I’m absolutely sure that this is the right decision for me. That doesn’t mean it will be easy. It also doesn’t mean that it isn’t a little scary.

Here’s the part about retirement that I don’t like. First of all, I hate the word. To retire from something is to withdraw, to quit, to disengage. All of those words sound like surrender to me, like giving up. That’s not me, it’s not who I am. But, there it is, staring you in the face. You spend four decades building something with your bare hands, making something valuable out of nothing, then you realize you can’t do it anymore. You turn over the duties and responsibilities to others, younger people with more energy, more drive. There’s no other way to spin it…you’re quitting. But quitting isn’t always bad, right? I mean, after the first bowl you quit eating ice cream. No matter how much you might want a second bowl, you quit because eating a second bowl would make you a pig and you would regret it the next morning when you step on the scale.

The worst part about this notion of “retirement” is the idea that naturally flows from it…that your best days are behind you. Suppose retirement really means that you have already done the best work of your life? That there are no more dragons to slay? If I ever get to the point where I believe that there is nothing great left for me to accomplish, I’m going to be in trouble. The task on the morning of January 1st, 2025 will be to find it.

I will not miss the constant, never ending, relentless pressure of the equity markets. I will not miss the sometimes crushing burden of responsibility that comes with being a trusted advisor to nearly 300 people. But, I will miss the people I work with, their friendship, the feeling of camaraderie, being part of the shared struggle.  I will miss my clients, many of whom I consider like friends and family. But, it is time. Time for what’s next.