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Dollars and Sense  

By Abigail Trafford, the Washington Post

March 9, 2004  

 

Howmuchhowmuchhowmuch . . . how much do you need to pursue your dream? The money mantra often becomes background noise in your brain. But people who have a clear vision of what they want to do -- what they have to do -- manage to put the money issue in its place, even when that means downsizing dramatically.  

Felicity Wright, 56, left a $70,000-a-year job to go to seminary and become a minister. She managed by borrowing against a life insurance policy and taking money out of her retirement savings. She chalked up about $55,000 in student loans. She lived in a dorm on about $400 a month.  

She shed her possessions -- selling her grandparents' piano and giving away her books. But she held on to her house in Washington and rents it out. The house "is my safety net," she says. "If something horrible were to happen to me, I could sell the house and pay off all my loans."  

And why would a person take so much financial risk?  

"It was so clear I had to do what I was doing," she says.  

Last month, Wright achieved her goal. She became the pastor of Arlington Community Church in Kensington , Calif. Her annual compensation is about $8,000 plus a housing allowance. "I'm loving it," she says. "I am truly overwhelmed."  

Most people don't have such a bold plan when they look ahead to the bonus years. Nor are they willing to downsize to the extent that Wright has done. But her story illustrates the reshuffling of priorities in My Time. Finding a purpose -- engaging in meaningful work -- often takes precedence over simply making money.  

By the time you get to these bonus decades, financial pressures may have eased, especially if your children are grown. This opens up opportunities in the not-for-profit arena of the creative arts and community service. It enables you to ask the question: What do I really want to do in these bonus years?  

When Wright decided to become a minister, the timing was right. Her youngest child had reached 18. She was divorced and living on her own. She had proved that she could earn a good salary.  

But some people didn't understand her choice -- how could a single fifty-something woman throw over a good job and create so much turmoil for herself? "I didn't have an answer. Except that at a certain point, you can't live with yourself. You are too miserable," she says.  

For Wright, the ministry is a calling. "The call doesn't go away," she says. "It doesn't have to do with finances. It does have to do with courage. It does have to do with taking time and taking stock."  

Whatever it took to find her new chapter was worth it.  

"Money is not going to protect you from living a lie," she says. "I look at people who are at home in the universe and content with themselves. Very little has anything to do with how much money they make."  

The ministry draws together the threads of her life. She grew up in a family where religion was entwined with social activism. At age 6, she was taken to the National Cathedral. "I fell in love with the place," she says. After college, she joined the VISTA program and worked in Kentucky in one of the poorest counties in the United States . She started to go to church regularly. "I've been a churchgoer ever since. I loved the worship, loved the music, loved the community."  

As an adult she followed a traditional track, with marriage and children. But those years brought terrible losses. One baby, born prematurely, died after three hours. A second infant, born with a heart problem, died at three months. After a miscarriage, Wright went on to give birth to a daughter and a son, who are now grown.  

Then in the mid-1990s, her marriage broke up. "My life totally fell apart," she says. She was nearly 50 at the time of the divorce. Her children were still in school. She didn't have a regular job. The house cost too much.  

"I started praying in a way I never prayed before," she says. She found a job, rented out rooms. "Somehow I made it through." In time, she went on to a higher-paying job, and the children grew up.  

Still, she was restless. Her path to the ministry was arduous. (As she says: "The process of opening one's heart and mind to a call from God is a discombobulating time in life.") At first, she became a part-time student at Wesley Theological Seminary in the District while she continued in her job. Then in 2002, she cut her ties to Washington , put her belongings in the car and drove west to complete her training. In 2003, she graduated from the Pacific School of Religion in Berkeley , Calif. -- a few months before her 56th birthday.  

She looks around and sees "an awful lot of people who are very comfortable," she says. "They don't have to worry about money the way I have to." She had thought that when she reached this age, she would live in a nice house and go on nice vacations. That was before life's jolts.  

"I wish it had been easier. But it hasn't been," she says. Yet she sees challenge in loss, renewal in grief. "It's only when we're vulnerable that we allow people to get close to us. . . . There are opportunities for redemption when things go wrong."  

Money has a low priority for Wright. "You think about the people who made a difference in your life. Whose love, integrity and values are transparent. They are not compromised by money or a need to impress people."  

She pauses and adds: "People are too focused on other people's approval. That's what money is getting at. They are living somebody else's life, not their own."  

Pastor Wright is living her own life. She has found her calling, and that is more than enough. 

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