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Colorful Gospel
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Nov. 2003
Getting older proves
to be financially draining
Patricia Lorenz
Special to Parenting
Back to Parenting front page
"Come on, Mom, can’t we go out for cheeseburgers and fries?” my teen-age son Andrew implored.

“Sorry, fast food is too expensive.” I snapped.

As my 50th birthday loomed, I’d become a money-hoarding crab. I’d loved my 40s. They were fun, energetic and full of life. I’d accomplished a lot during my forties. A month before I turned 40 I became a single parent to my four children, but thanks to team effort and lots of prayer, we survived the next decade beautifully. I not only got the three oldest through their teen-age years without too many new gray hairs, they were now college graduates living on their own and supporting themselves with interesting careers. I just had the youngest, Andrew, still at home … a terrific high school sophomore involved in sports and band.

My 40s had been happy years, but I wasn’t sure about turning 50. The big day was only months away and what I didn’t know was that my financial future was beginning a downward spiral and most of it had to do with getting older.

The first thing that happened that summer was a huge portion of my back tooth broke into little pieces. When a new crown was put in, I had to fork out $487 to my dentist. No dental insurance, of course.

The next day I received a bill for X-rays of my arthritic toe … $144. The medical insurance I could afford didn’t cover X-rays.

That same week I noticed I was having trouble reading the fine print and sometimes even the medium print. Out of desperation I purchased a huge light for the kitchen that contained four four-foot-long fluorescent bulbs. It made cooking, bill paying, reading and letter writing at the kitchen counter much easier for my “approaching 50” eyes. But that new light set me back $107.

Next, I made a trip to the optometrist’s office. He said both my distance and close-up vision were worse. My whole physical well-being flashed before my eyes. It said, You’re almost 50, over the hill.

The bill for the bifocals and reading glasses was $241.

That same week, I gave in to one too many backaches caused by the ancient desk chair in my home office. I figured the lower back pain was just another pitfall of approaching the big five-oh, which was starting to feel more like the big five-oh-NO!

I prayed desperately and repeated my favorite verse from Psalms 37:5 over and over. Commit thy way unto the Lord; trust also in him; and he shall bring it to pass. I stepped out in faith and wrote out a check for $105 for a superb office chair with arms and lumbar support. Things seemed to be looking up until I added up all the “extra” bills. Grand total: $1,084.

I took a deep breath and, once again, committed it all to the Lord. The next day I discovered lightning had struck our television set. I could do without a television, but Andrew often brought his friends to our family room to watch movies. So that week I wrote out another check for a good second-hand television … $250.

I wasn’t just going “over the hill” age-wise, I was careening down, out of control, financially as well as physically.

And so I prayed. “Lord, I need help! Thank you in advance for providing for my son and me.” I ended the prayer with the verse from Psalms.

A few days later while I was still wallowing in self-pity over my pending birthday, I received a letter from a publisher. As I opened the letter a check tumbled out. The year before I’d written a few short daily devotionals for their annual book, but I’d already been paid for my work the previous spring.

The letter explained that in honor of their 20th year of publication, they’d turned the distribution of the book over to a larger publisher who expected sales to skyrocket. The original publisher was sharing the advance on the royalties with all the writers of the book.

My share was $1,338.

All I could do was nod skyward with a banana-sized grin. Then I grabbed my calculator. But even before I added the cost of the television to my list of five “getting older” expenses, I knew the check I was holding would cover it all.

The bills totaled $1,334, enough money for all those expenses plus two big juicy cheeseburgers and fries. That night as Andrew and I chowed down at his favorite fast food place, I said what I’d been thinking all day. “Andrew, turning 50 isn’t so bad. I think my 50s are going to be my best decade yet, now that I’ve learned to trust in the Lord.”

(Lorenz is an internationally-known author of four books and hundreds of magazine articles and stories. To contact her about speaking opportunities e-mail <patricialorenz@juno.com>.)

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