Synopsis

In The Retirement Plan, Sue Hincenbergs introduces us to Pam and her three friends—Nancy, Shalisa, and Marlene. These four women, who are navigating the complexities of aging and financial insecurity, find their aspirations for a comfortable retirement shattered when their husbands make a disastrous investment with their life savings. As disappointment looms, they stumble upon the husbands’ life insurance policies, leading to an audacious and morally dubious plan involving a hit man.

Character Dynamics

The story takes a turn when we learn that the husbands—Hank, Larry, Andre, and Dave—also have their own schemes, which entangle them further in danger. Both couples’ narratives intertwine with unexpected twists, including new characters like Hector, a barber from El Salvador, and Padma, the ambitious boss of the casino where two husbands work. The plot thickens when crime syndicates threaten their lives, creating a suspenseful atmosphere that keeps readers engaged.

Thematic Exploration

Hincenbergs delves into the often-overlooked realities of retirement, highlighting how dreams can be derailed by financial instability and personal crises. The story explores the enduring bonds of friendship and marriage, embodying a unique mix of humor and tension. As Nancy wisely states, “We can’t just Lucy and Ethel our way through this; we have to be prepared.” However, the challenges faced by Pam and her friends amplify the complexities of real life far beyond their fictional counterparts.

Author’s Inspiration and Writing Journey

Sue Hincenbergs draws from personal experiences and the realities of aging to shape her narrative. Reflecting on her own friendships and the societal focus on retirement goals, she crafted this novel to resonate with those facing life’s uncertainties. In her words: “I was shocked the first time I was asked, ‘When are you retiring?’ My first thought was: How old do you think I am?”

Creative Process

Having a background in television production, Hincenbergs applies her skills in concise storytelling to her writing. She emphasizes the importance of character relationships and realistic dialogues, making the characters’ experiences relatable. “The relationships are the heart of the book,” she notes, highlighting the balance between love and irritation that characterizes long-term partnerships.

Publication Journey

Hincenbergs’ path to publication was not straightforward. After several unsuccessful attempts with her previous manuscripts, her determination finally paid off with The Retirement Plan, which she completed in early 2023. When querying agents, she experienced a wave of interest, culminating in offers of representation from multiple agents in a short period.

Conclusion

Ultimately, The Retirement Plan combines humor with heartfelt moments, weaving a tale that captures the struggles of mid-life friendships and the quest for financial security. As Hincenbergs succinctly puts it, “If not now, when? Why not me?” This novel invites readers to reflect on their own life paths and the unexpected turns they may take.