can't do anything right

Posted By: SmallBankBSA

can't do anything right - 08/19/21 08:18 PM

Did you ever have one of those weeks where you feel like you just can't do or say anything right? Ugh!
One more day!
Posted By: InFairness, CRCM

Re: can't do anything right - 08/19/21 08:28 PM

Yes!!!!! This has been my week. Too much to do, too little time, and everything I touch breaks.
Posted By: Skittles

Re: can't do anything right - 08/19/21 08:34 PM

The past few months of my life I've felt similar - like I'm not doing anything well any more.
Posted By: Sunshine Lady

Re: can't do anything right - 08/19/21 08:36 PM

Skittles, I feel the same way daily. I am hoping it gets better. Everyone around me seems to be having the same problems.
Posted By: InFairness, CRCM

Re: can't do anything right - 08/19/21 08:41 PM

I think it's a pandemic effect, at least partly. It's harder to separate from work for down time when your office is your home.
Posted By: Island Dreaming

Re: can't do anything right - 08/19/21 08:55 PM

it's also difficult to stay positive when everyone else is a crab....
Posted By: InFairness, CRCM

Re: can't do anything right - 08/20/21 01:15 AM

Crabby people make me crabby. So do people that cannot make up their mind at decision points where I cannot proceed until they make a decision.
Posted By: DeeQ

Re: can't do anything right - 08/20/21 11:47 AM

Crabby people make me stabby. But, working at home with my fiance for two years is starting to wear on me... laugh
Posted By: Rocky P

Re: can't do anything right - 08/20/21 11:55 AM

Wait till you get older and less tolerant.

I live in a 55+ community and several friends whose "mouth mufflers" no longer work.
You know exactly where they stand. What is on their mind leaks out.
Nothing viscous, just straight to the point.
Posted By: Skittles

Re: can't do anything right - 08/20/21 12:41 PM

I am older .... I turned 60 a few months ago.

I made the decision to retire early after months of contemplation. My husband is 9 years older than I am and I want to retire and hopefully do some things before we're both too old. While I initially stated September 30th, that may get pushed out a bit to make the transition a little easier - and hopefully a new Chief Compliance Officer can be hired.

Time will tell.
Posted By: Rocky P

Re: can't do anything right - 08/20/21 01:17 PM

YEAH! Congratulations!
Posted By: InFairness, CRCM

Re: can't do anything right - 08/20/21 01:18 PM

Originally Posted by Skittles
I am older .... I turned 60 a few months ago.

I made the decision to retire early after months of contemplation. My husband is 9 years older than I am and I want to retire and hopefully do some things before we're both too old. While I initially stated September 30th, that may get pushed out a bit to make the transition a little easier - and hopefully a new Chief Compliance Officer can be hired.

Time will tell.

My husband took early retirement this year, and joining him looks more attractive every day.
Posted By: RR Sarah

Re: can't do anything right - 08/20/21 01:21 PM

Congrats Skittles! So jealous!

I'm a few years out from retirement but I told our EVP that I was tired...so very tired.
Posted By: burkemi

Re: can't do anything right - 08/20/21 01:32 PM

uggg. All this talk of retirement - it doesn't even qualify as an abstract concept for me just yet lol. My sights are set 15 years in the future. Assuming I can survive banking that long that will give me 35 years.

Congrats Skittles!
Posted By: Skittles

Re: can't do anything right - 08/20/21 01:38 PM

burkemi - I'll be in banking 42 years this December - and compliance for the last 27 of them. I'm tired too, Sarah.
Posted By: raitchjay

Re: can't do anything right - 08/20/21 01:56 PM

Congrats Skittles. I'm tired too.....but only 14 years in banking/compliance and probably a minimum of a dozen years before i can retire (my 401k would like 15 years a lot better).
Posted By: Valley girl

Re: can't do anything right - 08/20/21 02:04 PM

I'm a bit older than Skittles, but it looks like 7 or 8 more years, if work can put up with me. It's been a tough year - our lobbies were only closed for a minimal period of time. For a couple of months, we had Covid everywhere and I was scared to death I was going to bring it home to my hubby. He's a little older than me and has health issues. Anyway, 17 years in CUs and I volunteered to learn compliance 6 or 7 years ago. So, still learning, but it keeps it interesting.
Posted By: Susielou

Re: can't do anything right - 08/20/21 02:42 PM

I have a countdown on my desktop so when I'm having a stressful day, I take a look at it. Only 734 more working days.....
Posted By: Island Dreaming

Re: can't do anything right - 08/20/21 02:50 PM

Congrats Skittles!!

I'm hoping to last five more years till retirement but - - - I second, third and fourth the 'tired' comments - I said the same yesterday more than once.
Posted By: Reg Warrior

Re: can't do anything right - 08/20/21 03:32 PM

Congratulations Skittles!!

I fell into compliance 22 years ago while working for a mortgage servicer. Transitioned to CU compliance 9 years ago. Still have 15 years to go before I can contemplate retiring.
Posted By: hmdagal

Re: can't do anything right - 08/20/21 03:59 PM

Congratulations Skittles!
Posted By: Sunshine Lady

Re: can't do anything right - 08/20/21 04:04 PM

So happy for you Skittles, I have also been in banking for 42 years as of this past May. Still have a few years to go until I will retire. Trying to hold on for the insurance. Congratulations!!!
Posted By: madukes

Re: can't do anything right - 08/20/21 04:46 PM

I've been in banking for maybe about 42-43 years; will be 62 this year. Retirement is looking better every day. Our bank is considering mandating vaccines if they don't reach goal of 100% vaccinated.
Posted By: DeeQ

Re: can't do anything right - 08/20/21 04:54 PM

4 yrs and 5 days until I retire, not that I am counting or anything.
Posted By: SmallBankBSA

Re: can't do anything right - 08/20/21 05:28 PM

I'm jealous of everyone close to retirement ...I've still got about 20 years left until I'm at full retirement age. I'm tired too!
Posted By: Skittles

Re: can't do anything right - 08/20/21 05:39 PM

You're jealous that we're all older than you are?
Posted By: DeeQ

Re: can't do anything right - 08/20/21 05:59 PM

laugh @ Skittles...

We put in our time, grasshopper... wink
Posted By: SmallBankBSA

Re: can't do anything right - 08/20/21 06:04 PM

Skittles and DeeQ - Well if you put it that way I guess not lol!
Why can't retirement age be younger?!
Posted By: Skittles

Re: can't do anything right - 08/20/21 06:12 PM

grin
Posted By: Truffle Royale

Re: can't do anything right - 08/20/21 06:27 PM

Among other things, Covid has taught me to appreciate the distraction and mind stimulation of working. I'm full retirement age+ and have a vague retirement date out there in the future. But being home with my retired husband has shown me that I'd be bored to tears without the problem solving and feeling of being needed and appreciated that my job gives me. Granted, I work 3/4 time so I've time for the things I want to do every day.
Just putting this out there that for all the ones that can't wait to retire.
There are those of us that definitely can wait.
Posted By: Bankwoman1

Re: can't do anything right - 08/20/21 06:38 PM

I still have quite a few years until retirement...and I'm ok with that (yes, I'm tired too).

I'd just be happy to be able to work from home. We have never been given that chance.....and I think I would enjoy it!!
Posted By: raitchjay

Re: can't do anything right - 08/20/21 06:43 PM

Originally Posted by Bankwoman1
I still have quite a few years until retirement...and I'm ok with that (yes, I'm tired too).

I'd just be happy to be able to work from home. We have never been given that chance.....and I think I would enjoy it!!

I think i'd enjoy a mixed schedule....say 3 days a week at the office, 2 days a week working from home.
Posted By: Bankwoman1

Re: can't do anything right - 08/20/21 06:54 PM

I would be alright with a schedule like that also. It is nice to see my co-workers, however, I would be perfectly ok at home also a few days a week! smile
Posted By: HappyGilmore

Re: can't do anything right - 08/20/21 07:27 PM

i think everyone is tired, burned out, overworked, under appreciated, etc etc. if you have remained in the office, you think the people at home aren't carrying their load. if you are working at home, you work much more than 8 hours and don't know how to step away, and you think the people in the office are loafing. add to this that many banks have reduced expenses via early retirement incentives, reduction in force, not filling open positions, meaning less people doing more work. and loss of institutional knowledge as people leave makes it even harder. oh, and across the board, everyone has poor morale these days.

There are days i feel i have accomplished nothing but eating lunch and going home while the sun is still up.

tomorrow is always another day
Posted By: Rocky P

Re: can't do anything right - 08/20/21 10:57 PM

You nailed it Happy.

Last banking job (before consulting) was with a denovo. When being interviewed, the CFO asked if I would mind working half days.
I replied that I could probably handle that.
He commented that I could pick any 12 hour stretch I wanted. 2 years later, he wasn’t kidding.
Posted By: InFairness, CRCM

Re: can't do anything right - 08/21/21 06:18 PM

Originally Posted by HappyGilmore
There are days i feel i have accomplished nothing but eating lunch and going home while the sun is still up.

tomorrow is always another day


You get lunch? I'm clearly doing something wrong.

In all seriousness, you are spot on. Most banks are seriously understaffed. The compressed interest margins have lead to cost-cutting, staffing reductions, etc. Those left at work are drowning.
Posted By: HappyGilmore

Re: can't do anything right - 08/23/21 04:49 PM

Originally Posted by InFairness, CRCM
You get lunch? I'm clearly doing something wrong.

i block out one hour on my calendar each day for lunch, and i don't let anyone schedule over it, not open to negotiation. granted, i usually just close my door to eat, and sometimes i read, sometimes i choose to catch up on email and paperwork, but that is my choice, and i am getting my hour of peace and quiet.

when people say "but you can't take the meeting, in know you have lunch scheduled?" i always respond with "everyone is free at 7:00 AM tomorrow, let's do it then." No one has yet to take me up on 7:00 AM meetings...
Posted By: raitchjay

Re: can't do anything right - 08/23/21 06:49 PM

On the subject of being tired.....i feel like i have 2 fulltime jobs.....banking, and cutting grass (let's just say i mow a LARGE area, and with the bountiful rain we've had this year, it's been once a week like clockwork). With the brush gathering and weed-eating and mowing involved, it either takes most of a Saturday or Sunday, or at least 2 nights after work (now that the days are getting shorter, 2 is getting more and more difficult).....i'm ready for November.
Posted By: HappyGilmore

Re: can't do anything right - 08/23/21 07:25 PM

i feel your pain RJ - i cut down all my trees last year, now my yard gets full sun, and like a dope i also water and fertilize, on top of hte tons of rain we have had as well...there have been times i've had to cut twice in a week as it is growing so fast and thick. i'm fortunate that i enjoy the mindless task of cutting grass.
Posted By: raitchjay

Re: can't do anything right - 08/23/21 07:27 PM

Happy....i COULD mow every 4-5 days (esp. in May and June) if i wanted...but i refuse to mow it that often. smile
Posted By: waldensouth

Re: can't do anything right - 08/23/21 09:29 PM

Congratulations Skittles! Enjoy!
Posted By: Soccer

Re: can't do anything right - 08/24/21 12:47 PM

Originally Posted by Skittles
I am older .... I turned 60 a few months ago.

I made the decision to retire early after months of contemplation. My husband is 9 years older than I am and I want to retire and hopefully do some things before we're both too old. While I initially stated September 30th, that may get pushed out a bit to make the transition a little easier - and hopefully a new Chief Compliance Officer can be hired.

Time will tell.

Congrats Skittles!! I too will be 60 this year and retirement is right around the corner, I can't wait.
Posted By: OldeTymeBanker

Re: can't do anything right - 08/25/21 08:27 PM

I will soon be 63, my husband 64. We took the step of meeting with a financial advisor to review our various retirement accounts, etc. Last night we met with an insurance guy who went over the Medicare options, Cobra, etc. We initially thought 4/30/22, but now that we have started down this road I find my patience is shorter. We have a major system conversion coming up next year. I have done so many of these in my career, mainly due to acquisitions and mergers, and I just don't know that I have it in me to do another. What I once viewed as being a strength, adaptability, is going further and further down the drain.
Posted By: Truffle Royale

Re: can't do anything right - 08/26/21 04:48 PM

If there's any one thing I would suggest to those of you with 10-20 years left till retirement it's FIND A FINANCIAL ADVISOR NOW! Don't wait till you're 60 to decide it's time. If your bank offers meetings with the entity that administers your 401K, make one. Talk to them honestly about what you'd like to be able to do in retirement and when you'd like to retire. Take full advantage of any matching your employer may do too. You've got the time to make it happen.
Posted By: TMatt87

Re: can't do anything right - 08/26/21 07:09 PM

You mean Doge coin isn't a solid retirement strategy?? shocked
Posted By: P*Q

Re: can't do anything right - 08/27/21 03:58 PM

Originally Posted by Truffle Royale
If there's any one thing I would suggest to those of you with 10-20 years left till retirement it's FIND A FINANCIAL ADVISOR NOW! Don't wait till you're 60 to decide it's time. If your bank offers meetings with the entity that administers your 401K, make one. Talk to them honestly about what you'd like to be able to do in retirement and when you'd like to retire. Take full advantage of any matching your employer may do too. You've got the time to make it happen.
Could NOT agree more! I plan on retiring at 59 1/2 and have been planning accordingly for years to be able to do so and that includes regular discussions with my financial advisor and tweaking investment strategies. So far on track! Woohoo!
Posted By: Rocky P

Re: can't do anything right - 08/27/21 11:12 PM

Excellent advice.
A good financial advisor (look for fee only - many have CFP certifications) can direct you for investments (preserving assets), insurances (life, liability, health), legal documents (wills, estates, trusts), guide on taxes (state, federal, exemptions), etc. For some "Financial Advisors" it is a title for an investment company, sell company products only and have sales goals.

A CFP website https://www.letsmakeaplan.org/
Posted By: OldeTymeBanker

Re: can't do anything right - 09/02/21 08:11 PM

If I gave the impression that we have never met with an advisor previously please understand this is not the case, but recently we have met with one that is separate from my employer. Sometimes one wants to make one's own determination.
Posted By: Truffle Royale

Re: can't do anything right - 09/03/21 06:37 PM

You just provided the opportunity for three of us to chime in with doing what you did, just sooner. My husband and I did this much later than I now wish we would have, having relied on what was offered through our employers. Especially with the news regarding the SS Trust being depleted within the next dozen years, it's of paramount importance that the young 'uns that hope to retire take all the steps to fund it early.
Posted By: Skittles

Re: can't do anything right - 09/09/21 12:32 PM

After listening to a webinar from an attorney firm over the proposed 1071 yesterday I told a coworker that if I hadn't already decided to retire - this would push me over the edge.
Posted By: Rocky P

Re: can't do anything right - 09/11/21 02:49 PM

Olde Tyme Banker, the comment was not directed at you. I had sat through the CFP program and it was intense and interesting. (In banking 30 years at that point and figured investing would be a snap. Everything I knew was covered in the first hour of the first class!) Just passing along general information.

There is a radio personality Clark Howard who provides some fairly easy to understand financial information. (He is also referred to as "America's Cheapskate" because of his thrifty advice.) He came out with a full explanation of Fiduciary Financial Advisors which I found informative, Link attached.

https://clark.com/personal-finance-...tm_term=0_afa92deb83-9424a747b0-72871525
Posted By: OldeTymeBanker

Re: can't do anything right - 09/13/21 04:19 PM

Thank you. I will confess that for years I have paid zero attention to Medicare info, reasoning that it would most likely change 10 times before I was eligible. Now our insurance advisor has given us 3 books on it. Yipes.
Posted By: rlcarey

Re: can't do anything right - 09/13/21 05:10 PM

The most dangerous thing that you can do is not sign up and pay for your chosen Medicare coverage when you turn 65 if you delay drawing SS. To sign up later can involve significant penalties.
Posted By: TryingtoComply

Re: can't do anything right - 09/14/21 12:29 AM

Congratulations Skittles. Green with envy! My retirement date is written on an index card under my desk mat. It is in 2026, which seems far away, but the last two years have gone by incredibly fast. Hope the next few do too. I'm still hoping that my darling husband can find a way for me to retire sooner via our investments. We recently signed a purchase agreement for our retirement home and are waiting for it to be built. It will make for a longer commute, but it will be well worth it. Something to look forward to.

Here's to RETIREMENT!! smile
Posted By: DEL

Re: can't do anything right - 11/22/21 07:52 PM

I'm joining the retirement club! I'll be retiring at the end of 2021. I decided I just couldn't hold out to 65! Even so, I'm still surprised at how excited I am getting about it!
Posted By: Skittles

Re: can't do anything right - 11/22/21 08:23 PM

Congratulations DEL! I know exactly how excited you are.
Posted By: Purple Pride

Re: can't do anything right - 11/22/21 08:24 PM

Congratulations DEL! Excited for you.
Posted By: Rocky P

Re: can't do anything right - 11/22/21 10:10 PM

Sleeping late, breakfast whenever, shopping when everyone is at work, napping when you want and everyday a Saturday is not as cracked up as everyone expects. (It's better)
C O N G R A T U L A T I O N S
Posted By: Soccer

Re: can't do anything right - 11/23/21 06:39 PM

Congrats DEL, I can't wait to join the club. If my plan works, less than 2 years.
Enjoy smile
Posted By: DEL

Re: can't do anything right - 11/30/21 12:53 PM

Thanks everyone for all the good wishes!