The “Fog of Work”

2022 update: listen to Doug Nordman’s audio recording of “The Fog Of Work”!

This essay caps off the book’s first seven chapters on ways to leverage your military career & benefits for financial independence and retirement.

I wrote it after an exchange with Tomcat98 at Early-Retirement.org. We realized how often the daily grind of work gets in the way of planning, let alone recognizing new opportunities or breaking free of the routine. One of my great personal regrets in my career is that I stayed on active duty and bulldozed all the way through to 20 instead of transferring to the Reserves at about the 12-year point. At the time, I was too tired to plan and too ignorant of the opportunities that were knocking on every door around me. Nearly a decade later, Tomcat98 was facing a similar situation and trying to pick the best answer. While he was doing that, I was writing this:

The “Fog of Work”

This blog’s advice has been distilled from a dozen books and websites on lifestyle and financial management. There are literally hundreds of other books with even more detailed information, dozens of computer programs, and thousands of websites ready to walk us through every step of the planning process. The military’s pension and Tricare systems are great solutions to retirees’ challenges with inflation and affordable healthcare.

So why aren’t there more military retirees? Why is this so hard for so many people to accomplish?

By now, you’re beginning to appreciate that the goal takes dedication, commitment, and time. However, there’s another major disruption to the retirement mindset: the “fog of work.”

What is the Fog of Work?

You’ve probably heard of Clausewitz’s “fog of war”, or the service member in your family spends a lot of time dealing with it. For those who haven’t studied military strategy, Clausewitz wrote one of the classic books on warfare. One of his most famous quotes is “All action takes place … in a kind of twilight, which like a fog or moonlight, often tends to make things seem grotesque and larger than they really are.”

“The fog of war” is the perfect military metaphor for retirement! It is the parallel analogy for those on the path to financial independence. The fog of work is the day-to-day grind that blinds us from the bigger picture of life.

During your working years, you’re expected to strive to get ahead and to stay alert for opportunities. If you don’t act when the time is right, then you might miss a great chance to improve your life or your net worth. If you’re not happy with your current situation, you should take a step back, calmly consider the pros and cons of change, and make a rational decision. Sounds simple, right?

But when we’re at work, most of us are focused on our work. We’re consumed by so many things that occupy our working day, including everything from emails, phone calls, meetings, to-do lists, and project deadlines. The list goes on and on.

We’re not free to work on something else, either, let alone go part-time. In the rare work moments when our laser-keen focus wanders off task for a second or two, we’re just taking a mental break. It’s like recess at elementary school, with less running around. All too soon, the task at hand (or our sense of duty) puts us back on the job. This routine goes on for hours, days, weeks, and years, leaving us no time to dig into the deeper meaning and purpose of our lives

When we’re not at work, we’re getting ready to go to work or taking care of the errands, domestic chores, or childcare that support our work. At night, when we’re slumped on the couch channel-surfing the TV, we’re still watching comedies about work or thinking about what needs to be done before we go back to work. Even if we’re raising a family, we’re training them to finish school and go to work.

When we’re on vacation, we’re working at playing. We get away from the routine, have new experiences, and socialize. However, it can also turn into a military mission order: Drive that highway. Fish in that lake. Hike those mountains. Occupy that beach. It’s not a time for thoughtful contemplation. It’s turned into a time to go places and do things.

We’ve planned most of our lives around work. We do a lot of work, whether it’s productive or not.

But when do we get around to planning our lives?

Let’s not kid ourselves —what we call “planning” is mostly a series of isolated short-term actions on a random walk toward a vague goal. It starts when we’re teenagers and continues through adulthood.

“Dude, that college campus was so cool, I have to escape this loser high school and go there!” And then: “Hey, I could spend the rest of my life with this person.” Or: “Someday I’d like to raise a family.” And hopefully even: “Hmm, no frappalatté today, I’m saving money.” “Hunh, what’s this about the TSP’s ‘lifestyle’ retirement fund?”

We’re “saving money” to buy a house or to go back to school. Meanwhile, we’re thinking: “Gotta learn more about the housing market soon. And we’re going back to school someday– maybe even next year!”

We “plan” to get more training and promotions so we can earn more money while doing more work. We “contribute to our retirement accounts” so that we can retire someday. But no one, not even nuclear engineers, plans a long-term budget to project the cashflow savings and their compounded growth into a specific calendar date when we’re going to start school, buy that house, and accumulate enough savings to retire. We’re lucky if we spend any of our off-work time on “long-term” planning beyond the next meal or social activity.

Perhaps the common factor in the lack of planning is a fear of money. Some people lost money in the stock market and feel their portfolios need to recover, while others have no idea how much they spend now or how much they’ll spend in retirement.

If people sat down with financial software, they could put together a net worth summary and a cash flow statement. Many would be less afraid, even surprised, at the results. Yet when people determine that their retirement income is higher than their expenses, the response is “Yeah, but…” followed by “What if?” or “I don’t want to have a problem with…” or even “But… but… but what will I DO all day?!?“

The real problem is that people rarely find the time to reflect on these life questions or their finances, and almost never make the time to do anything about them.

We’re too busy working!

It’s hard to learn about the 4% rule, let alone read life-changing books like “Work Less, Live More” or “our Money or Your Life“. But veterans can achieve a net worth at least double that of most retirees– even without having any idea whether they can retire!

This “fog of work” can continue for years or even decades. Maybe work is fun, maybe planning is too hard or even scary, or maybe we’re too busy with the daily minutiae to focus on the long-term picture.

How to Overcome the “Fog of Work”

But one day, something clears the fog for a few minutes. Maybe you go to work for the 6,473rd time and realize “Whoa, this isn’t fun anymore!” Maybe there’s no 6474th time because you’ve just been laid off. Maybe you’re facing a health crisis or a family emergency, and you won’t be able to return to “regular” work for a while. Maybe you realize that you have no cash flow, let alone compounded growth.

As the fog of work creeps back in around your ankles and wraps around your legs, you appreciate that your current strategy (if you have one) just isn’t going to carry you to victory anymore. You tell yourself, “We’ll take care of that real soon.”

But then the phone rings, and there’s a new e-mail. And soon the fog of work returns you to its smothering embrace…

As a result, long-term planning happens sporadically, randomly, and superficially–if it happens at all. No wonder the concepts of financial management and retirement are so foreign, even frightening.

Clausewitz’s “fog of war” teaches military commanders to plan, adapt, keep moving, and re-plan. Today we Observe, Orient, Decide, and Act. However, there’s never enough information at hand to fully understand the situation. There’s never enough time to figure everything out, let alone to develop a perfect plan.

The longer we delay, the fewer options we’ll have (or the enemy will remove those options). The commander’s only solution is to pull their head out of the tactical situation for a minute, stop hoping the answer will present itself, and look at the bigger picture to see where they can go. It’s the same for the “fog of work”.

People must find time to break away from their busy daily lives to learn how to become financially independent and review their savings plans. They have to practice living retirement without trying to work (there’s that word again!) through a huge catch-up To-Do list. No traditional cross-country family vacation, painting the house, or writing the great American novel. No aggressive new exercise program, another diet, or one more online course. Try just “being” for a while instead of “doing.”

After a two-month sabbatical, how many veterans would be interested in going back to work? If we had enough assets (and confidence) to not return to work, perhaps we’d move easily into parenting, exercising, home improvement, and rediscovering our non-work interests. We’d do whatever we wanted without having to sign a contract or meet a deadline.

There’s only one solution: whisk away the fog of work. This requires purposeful thought and a commitment to dedicating time specifically to your future financial goals as a priority now.

Heads will clear after a couple of weeks of naps, long leisurely walks, and family discussions. Instead of worrying about “now” or “dinner” or “tomorrow’s meeting”, the focus can shift to the future and a plan for getting there. Suddenly, there’s time to design a budget, to read that Bernstein book on asset allocation, and to analyze a retirement portfolio’s Monte-Carlo survival during bear markets.

Free of the fog of work, many of us would return to duty after a sabbatical and think, “What a bunch of toxic waste.” Retirement planning would be promptly executed. No more random walking– just a confident stride to the nearest exit.

In a military career, a good “sabbatical” opportunity can arise during a 30-day leave, while on terminal leave, or even after leaving the service. It could happen after retiring from active duty, or after leaving active duty for the Reserves, or even when making a clean break from the uniform. A similar opportunity in a civilian career is after a corporate sabbatical (for the few companies that still do sabbaticals) or… a layoff.

Another way to look at this crossroads is to ask yourself how you want to spend the rest of your life. This isn’t a superficial question. It requires some deep thinking on your part and then coming up with a reasonable game plan you can execute successfully. It also requires flexibility, you can incorporate as your goals change and you learn more about who you are and what you really want.

How to Get Financial Independence and Retire Early

Everyone’s situation, goals, and processes are different. However, there are some steps that apply no matter where you are in life.

First, understand that financial independence is a long game. You play it out over the years. So, the earlier you start, the earlier you can win the game. Study the concept of compounding and use it to your fullest advantage. Start small if you must, but be consistent in setting aside part of your income.

Knowledge is also a key. You have to invest in learning about investing, making smart money moves, and, more importantly, protecting what you already have. Surround yourself with smart, money-minded people you trust. Listen to their counsel and above all else, don’t assume you know more than you really do. Hubris can cost you millions if you’re not careful.

Don’t put all your financial eggs in one basket. Diversification is critical to growing your financial portfolio and protecting your existing nest egg. When in doubt, play it safe. Be the tortoise, and not the hare.

Only invest in things you understand. If you’re not comfortable with cryptocurrency, NFTs, or other new and exotic investment vehicles, stay away from them. You don’t have to be a show-off when it comes to your investments; you need to be smart. Let the other guy gamble with his or her savings. Don’t become the cautionary tale others learn from as you wallow in the gutter.

Readjust your portfolio as needed, and review it at least a couple of times a year. If you set it and forget it, you could be in for a rude awakening, or leave money on the table you didn’t have to do.

Breaking Free From the Fog of Work

Procrastination is your enemy. Find a way to break free of the fog of work as soon as you can. Plan your financial future and check it a few times a year.

Take as much leave as you can, or find a way to carve out contemplative time to make a plan. Figure out what you like to do, what you need to be able to do it, and when you can start.

Enlisting in the military provides a unique benefit to those who want to join the F.I.R.E. (Financial Independence, Retire Early) movement. As you start asking yourself questions about your future, read up on this timely topic to help provide added clarity.

Stay alert to the alternate career opportunities around you.

As you travel around the world, learn how other cultures view work and retirement. Learn how people in other countries balance their lives and work. Ask how you can apply the things you see and learn to your situation. Stay in touch with other service members who’ve made the transition to civilian careers or retirement, and ask for their help in developing your own plan.

Meet the Author

Doug Nordman

Doug Nordman is a United States Navy submarine force veteran with 20 years of service. Nordman retired in 2002 and wrote "The Military Guide to Financial Independence and Retirement" to share the...

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