Alaska or Bust??

I read The Box-car Children when I was in 3rd grade and decided then and there that I wanted to live in a boxcar. To my 9-year-old self, stealing milk off doorsteps and sleeping on a straw mat seemed an adventurous and independent thing to do. Then I read Where the Red Fern Grows and instead of boxcars, I wanted two little puppies to hunt with. Mind you, I never wanted to actually kill anything; just go out at night with my pups and a lantern…maybe steal some milk off a doorstep and sleep on a straw mat. Even now, I still read every day and I still want to go, see, and do the things that I read about.

A few months ago, Angie and I were on an Alaska kick. My mom had gotten us hooked on Alaskan Bush People and we had each picked up a few books about folks living in remote Alaskan villages (like If You Lived Here, I’d Know Your Name by Heather Lende and Forty Years in the Wilderness by Dolly Faulkner). As always happens, we started daydreaming about going there and even looked into Alaskan cruises. We both told our parents that “our next big trip would probably be to Alaska”. And it probably will be. But when we say the words “our next big trip”, we don’t exactly mean the next time we pack up the car and pull out of the driveway. It could be a few years before we make it to The Last Frontier. In the meantime, we have other plans, though none of those plans included hurting the feelings of someone we love. Yet, it seems that we did.

Angie’s mom said she wanted to go with us if we went on a cruise to Alaska. We said that sounded great, and we moved on without much of a second thought. Why? Because my mom always says that she wants to go with us to Hawaii the next time we go. My nephew tells us every time that he sees us that he wants to tag along if we ever go to Ireland. Angie’s aunt and uncle said once that we should all plan a road trip together and my niece mentioned at Christmas that we should go with them to Florida this summer. It’s something people say and sometimes it turns into a real plan, but more often than not, it’s just a way to daydream about a vacation together. But Angie’s mom was serious, and it seems she was expecting us to go this spring.

Of course, now we feel terrible. So terrible in fact that we considered hastily putting together a trip just so we wouldn’t let anyone down or make anyone mad or cause anyone to miss out on such an opportunity. Thank goodness we came to our senses, because we are in no way ready for such an undertaking!

And honestly, most folks aren’t either. Did you know:

  • 75% of Americans have gone into debt to pay for a vacation at some point in their lifetime,
  • 23% did so in the past 12 months,
  • 55% don’t budget for vacations (or factor them into their annual expenses), and
  • Over the past year, Americans borrowed $12.64 billion for vacations, racking up $778.77 million in interest and other charges?

Have you ever heard the term “debt-lag”? It’s what happens when you return from a vacation with debt. We’ve only ever had it once – when we hit a few snags on our 2014 trip to California and Hawaii – and we decided then and there, we would not have it again. Not for any reason. If we couldn’t completely pay for a certain vacation destination, we would simply not go there. There are way too many other, cheaper places to go when the “exotic” or “once in a lifetime” locales are not [yet] within reach.

Our plan for Alaska (or any other big destination) is to save up before we set off. Looking at cruises, lodging and activities gives us an idea of how much we need to add to our vacation fund and how long we need to save. You might say, a lot of dreaming and scheming goes into our travel planning process. I get that it’s not the same for everyone, and that’s okay. If you are ready for and able to take a big vacation, like an Alaskan cruise, and that’s what you have your heart set on doing, then that’s what you should do. We just aren’t there yet.

We gently and lovingly tried to explain our position to Angie’s mom. She was disappointed, but I’d like to believe she respects our decision to avoid debt. More importantly, I hope she understands that though we might not be going to Alaska this year, she is always welcome to go with us wherever we may roam…even if it’s just to the park. (We have plenty of hammocks, by the way 😊)

You Want Me To Do What??

A few weeks ago, the strangest thing happened. We were visiting with my mom, when my uncle called. He is the youngest of my mom’s siblings at 58 years old. They have always been close, even though they fight like cats and dogs much of the time; so, when she answered the phone, I gathered up my stuff to leave and let them talk. As I was waving goodbye, I heard her say, “Yes, she’s here. I’m not sure, you’ll have to ask her yourself.” The next thing I knew, I was on the phone with my uncle.

For the record, I don’t share my mom’s sentiments when it comes to my uncle. I tolerate him and am always nice to him, but we’ve never had much of a relationship. When I was growing up, he would go on rants and put his fist though the wall or block people from leaving the room until he was finished talking. I later learned that he was an addict at that time; but as a child, his behavior terrified me. Though he has not used drugs for 20+ years now, his personality has never really mellowed. He might not put his fist through walls anymore, but he still goes on rants that make you wish you could crawl under the furniture and disappear. He won’t talk to one of his daughters because of the way she voted in the last presidential election and his 13-year old son told me that he’d rather be dead than live with his dad. And here I was on the phone with him.

Over the past few years, I’ve talked to him a few times on his visits to see my mom. Once he was contemplating opening a community center and wanted my help in setting up a 501c3. I directed him to see a lawyer. As I held the phone, I thought perhaps he was going to ask me to write a grant to help fund his venture. In my mind, there was no other possibility for why he would want to talk to me. Then he asked me to be the trustee of his estate.

I had to let that sink in for a minute, which was pretty easy to do since he never stopped talking long enough for me to answer. As a fog settled around my brain, I caught snippets of things like money in a safe deposit box, envelopes with people’s names on them in the office safe, real estate taxes, and investing something for someone to do something with sometime. I wanted to scream. I am the last person who wants to be responsible for someone else’s finances.

If you are unsure (like I was) what the role of a trustee is, let’s look at it together. According to the website for the Law Offices of John W. Callinan:

A trustee is responsible for investing and administering the assets of the trust.  A trustee can be held liable to the beneficiaries of the trust if he invests the assets of the trust in an imprudent manner. A trustee must also distribute the assets of the trust to the beneficiaries of the trust according to the terms of the trust. The role of trustee may last for several months or several decades. So, unlike an executor, a trustee may be serving in his role for a long, long time.

When he finished talking, I gave him the best answer that I could muster: I’ll think about it. In the weeks that have followed, I’ve thought about it…and thought some more…but never once have I thought about saying yes.

I can’t do this.

When my uncle dies, his wife and kids will fight over his estate. I know this because they fight over it now and he rewards (or punishes) this behavior by giving (or withholding) money. Right now, my aunt owes more than $30,000 on her credit card. This is her 3rd time in the last decade to amass this amount of consumer debt. When my uncle wants her to do something, like quit her job or move back in after a separation, he offers to pay off her debt in full. She always accepts, then racks up the debt again. Same for the younger kids, except his bribes to them are in the form of gadgets and games, which I’ve watched them purposely break in order to get newer, better ones. And the madness doesn’t stop there. In the mid-90s, before my uncle got clean, he borrowed a total of $5,000 from 3 of his siblings to make payroll for his home-improvement business. He has never repaid those debts, despite having the money to do so many times over, and he makes a special point when any of them asks for financial help to tell them that he owes them nothing because “they had no business loaning money to an addict in the first place”.

Witnessing behavior like this is part of the reason that I have such an aberrant view of money. It makes me sad and angry and sick, all at the same time, to see people abuse one another all for the sake of a green piece of paper! I can’t be his trustee. I can’t be a part of something that goes against everything I believe in, on so many levels.

I wish that I could say that this type of behavior is rare but I’m not sure that it is. I once watched two sisters fight over who was taking home more plants at their father’s funeral. I also witnessed a grandchild throw a screaming fit at a funeral visitation because her dead grandfather had left his house to his oldest son instead of her. Angie even recalls a time when her nephew told her dad that he wished he was dead so he could get his inheritance and many more times where her siblings have had serious discussions with their parents about spending up all their money. I bet if you really thought about it, you know someone like this too. I hate that we’ve come to a place in this world where the sum of someone’s life means less than what we can gain from their death.

When my mom passes, I hope that she has lived a long, happy life unconcerned about what possessions she will leave behind. I honestly hope that she has spent ever last dime that she saved for her retirement by then. Her legacy gift to me should be the time we spend together while she’s here, not an insurance policy or a safe deposit box full of cash.

I ultimately told my uncle no. I gave no explanation other than that I thought it was a lot to ask and I didn’t think that I could do it. Perhaps that’s a cop out. Perhaps I should have told him how nauseous I felt just considering it, but I doubt it would have made any difference. I am never going to change the way he thinks about money. I can only change myself, and more than anything, this incident has confirmed for me that money is the least important part of my life.

Want to know what is important? Spending time together. Be sure to keep up with out latest adventures in dating through our 48 Really Great Dates project.