The Money Shot

In the ever shifting seasons that we call life, one question continues to haunt me on a daily basis: Just how the hell am I going to make a million bucks and retire before forty?

It’s a question that occupies much of my waking hours. I plot when I brush my teeth. I scheme as I plotz my way to the bus shelter. I concoct elaborate plans as I schluff into the office along with the multitude, and my brow furrows with effort as I schlep home with the rush hour crowd.

My flatmate Amanda has been giving some serious thought to the matter of early retirement funds.

“But do you think that one million dollars is enough?” she asked the other day at breakfast in our little apartment, her pretty oval face wreathed with fiscal concern. “It won’t buy you a loaf of bread these days!”

“Especially if you shop at Cold Storage!” Saffy interrupted with a snort, remembering her recent grocery expedition.

I asked Amanda how much she thought I’d need then.

“At least twenty million,” she said without hesitation. Saffy choked into her morning coffee. “No, seriously! That’s like the bare minimum. A nice house these days will cost you at least one million, say. Then a car and driver is half a million. Then you will be traveling first class, so that’s about a hundred grand already, if you assume ten trips a year. And you have what,” her inbuilt brain calculating, “18.4 million left. You gotta have a house in London, so that’s easily five million gone and a little pad in New York, take away another four million. Which leaves you, uh, 9.4 million of spare change.”

By this time, Saffy’s eyes had glazed over and she later said that it bothered her that there were women like Amanda around who could be so ridiculously beautiful and still have minds like steel traps.

“So, say you put that 9.4 into a 5% interest bearing account, and that’s what?” Amanda continued rhetorically, “$470,000 interest a year. How could you possibly live on $470,000 a year? A half decent necklace from Cartier easily costs you that much already!”

Later as we were washing up – Amanda had headed out for her Pilates class – Saffy said that at this rate, chances were she’d be seeing out the end of her days in a trailer park. “If I’m lucky!” she said, her famous breasts trembling with fear. “More likely, I’ll be living in a cardboard box under the Sheares Bridge! Will you come and visit me?” she asked as she put a plate away.