The Challenge of Retirement

For those of you that have recently retired, or if you are approaching retirement and doing some planning, there are a few unexpected surprises that might be waiting for you. At least there were for me.

I had looked forward to being retired and having all that extra time to do anything I wanted to like travel, play more tennis, and just have a great time. Well, I must tell you, when that day arrived, I was in for an enormous surprise.

I don’t think most of us realize what a great challenge retirement can be. It didn’t hit me immediately, but after a few months of it, I found myself going stir crazy. I came to realize that we humans need structure and a routine. Without that, we can become very frustrated. I talked to a few friends that had retired a year or so before I did and they told me that the same thing hit them. We all need a reason to get out of bed in the morning and I didn’t have any routine or daily plans to motivate me.

At that point, I began to see how very important things like going to the office and interacting with others were for us humans. I missed the social part of my work life and struggled with feelings of worthlessness because I wasn’t producing anything. We thrive on being productive which helps those around us and lifts our brain and lives to a higher level. Sure, I can travel more and have great fun hanging out with my kids, grandkids, and friends, but we need to be contributing to our lives and the world around us in some way as well.

My advice to everyone is to plan for retirement, not just financially, but in what you will do with your time. Make lists and talk with others that have retired or are heading that way fairly soon to see what, if anything, they are planning. It’s a good idea to look at your life and think about what brings you the greatest pleasure and what stimulates your brain and then see if you can build your retirement around those things.

Patrice Jenkins, PhD, wrote a brilliant book called What Will I Do All Day? Wisdom to Get Over Retirement and on with Living. In the book, she offers some great advice: Creating meaningful work in retirement provides an opportunity to step out of your comfort zone. If you’d like to, you can redefine yourself try something new and different. In retirement, you have the freedom to be anything that suits you.

Even if you are many years away from retirement, it’s not too early to do some thinking and planning now. I think you will be very glad that you did when those retirement days come around.

Getting On With Living

As mentioned last week, retirement has challenges that aren’t always anticipated and so I gave you some ideas to overcome that. This week, I have more ideas to help you deal with the struggles that many people have when they retire, including me. Even if you are not retiring now or anytime soon these ideas and methods can still enhance your life.

When I found that I was struggling with retirement I sought answers in a few very helpful books written on that very subject and what I learned helped me a ton. By the way, the current pandemic can have us struggling in a similar way as our routines and schedules are thrown out of whack.

Elaine St. James wrote a great little book titled, Inner Simplicity: 100 Ways to Regain Peace and Nourish Your Soul. ln the book, she talks about how important it is to have a routine and follow a schedule that you set up for yourself, retired or not. Of course, before we are retired, most of us have a routine and schedule due to our job and family but most of that goes away as we enter retirement.

For St. James, “inner simplicity” means creating joy in our lives and staying connected with that joy every moment of the day. When many of us retire, along with a loss of routine, we may stop or reduce how connected we are to our joy which is due in part to our reduced connection to other people, like work associates and even friends.

St. James goes on to say, “Now that I’ve simplified my life, I find it easy to get up at the crack of dawn, or even earlier. In that quiet time, I can do you yoga and stretching, write in my journal, do some deep breathing, work on affirmations and visualizations, meditate or have some quiet time to just sit and think.” That’s some very good stuff we can learn from and follow.

Another great book is What Will I Do All Day?: Wisdom to Get You Over Retirement and on with Living!, by Patrice Jenkins, PHD. She talks a lot about energy and also notes how much we get from working with other people when we are on the job.

She asks, “How do you discover your work’s energy source? Think about what parts of your work you enjoy most. Is there one part of your work that charges you with high-octane fuel? “

She continues with suggestions and probing questions. “Maybe your energy source comes from being involved in teamwork with coworkers. If you have already retired, you may have insight on what parts of your work provided you with the most energy. Was it a chance to help people, to teach, to solve problems, or be physically active? ”

Later, she makes this great point: “Once you have identified your energy source, you will know what it is that you’ll want to keep alive in retirement.”

Wow, that’s some great advice and it has helped me a ton. I hope this will help you if you are retired or planning for when that day arrives, or even through this terrible pandemic. Routines, staying in touch with people, and knowing the source of our energy can help us through unexpected struggles and back to living a full life.

 

Retirement Can Create a Better World

I want to write a bit more about last week’s theme of retirement – how it can be good, bad or sometimes very ugly. Even if you are many years away from retirement, you can make your retirement much better and have an easier transition if you are aware of some of the pitfalls that many people stumble into when they retire. I want to share a few secrets to making your retirement transition quite comfortable and pleasant.

Part of the reason I want to share these points is that, for me, retirement came close to driving me seriously crazy. It made me feel worthless and caused me to have big mood swings. Last week I wrote about some of the great and promising ideas from Patrice Jenkin’s book, What Will I Do All Day. She points out that many people go into retirement without realizing how critically important it is for them to still have routine and structure in their lives. Most people’s work lives automatically give them those two critical things. Plus, their work usually results in a lot of measurable production which lifts the human mind and spirit and gives us great personal satisfaction. The huge problem comes when a person retires and most, if not all, of those satisfying items quickly disappear. One other thing that also goes away or is often greatly diminished is one’s social life!

So, what is an excellent antidote to the retirement blues and the great letdown? In one word it’s WORK. But it has to be much more than just busy work. It has to be meaningful and productive.  Ideally, it’s doing something that you love and something that helps other people. It should be something that helps make the world a better place because, although you don’t really need to make a dime out of doing that work, it needs to be purposeful.

For me, the answer was going for the great feelings I get from donating my time and money to charity work. What is especially appealing to me is helping kids. Even doing a little thing like reading to them or telling simple, fun stories on a regular basis is fulfilling and purposeful. Even more fulfilling for me is teaching, because of my background and my passion.

I’ve done a little of this already, but I’ve just begun this particular new mission in life. The time I spend with the kids involves simple things but it is now part of my routine and structure and is a huge mood lifter for both me and the kids. A similar mission could do the same for you no matter what charity you choose. In a small but growing way, we can make the world a better place all while staying fulfilled and purposeful in our retirement.

The Freedom of Structure

I’m reading a great book that my son gave to me, titled What Will I DO All Day, by Patrice Jenkins PHD.  It’s all about retirement and how it can be either a really good thing or something that drives you crazy. And it can all start long before you retire. It may even start from the moment you just begin thinking about what the heck you are going to do when you retire.

Most people think, “Oh, it’s going to be great when I retire. I’ll have all that time to do all those things that I’ve wanted to do but haven’t had time to do.” But when people actually retire, many of us can become very frustrated because, all of a sudden, we don’t have a routine or the structure that a regular job gave us. Now we must set a routine and a structure of our own and that takes some thinking and some work.

So much of what this author talks about that needs to be done also applies to all of us in our daily living long before we even think about retirement, such as setting goals, writing them down, and writing daily “to do” lists. We all know, or should by now, that when we write down a list of things to do the night before, the likelihood of us following through and actually adding action to that list and doing it, increases big time. I’m sure you have seen that happen in your own life.

Patrice has a chapter called “Structure is Freedom”. When we are working full time, structure doesn’t seem like freedom. She tells the story of this one guy by the name of Jim. Jim said, “You have to know what you’re getting up to each day.” Here is what she wrote about Jim and what Jim’s thoughts were:

“When Jim first retired he was looking forward to having his days free to do anything he wanted to do. But, after a few months of this, he told me that he, ‘found it to be more work not to work. My energy level was lower than when I used to work 10 hours a day. The truth is I was puttering around the house most of the day.’

“It was at this point that Jim acknowledged that having more structure in his days would improve life in retirement. He started scheduling appointments, making commitments, and setting deadlines. He decided to set his alarm for 7 a.m. and start each day with exercise. He made a rule to turn the television off by 9 a.m. so that he could start doing something more productive. Jim also volunteered for a couple of organizations which required weekly commitments of his time and talents. He told me these changes gave his life a more focused direction. ‘Now I know what I’m getting up to each morning,’ he said. ‘I really needed the structure to give me the freedom to enjoy retirement.’”

What Jim learned is something we should all focus on and be sure we do it whether we are retired, close to retirement, or many years away from that status. Yes, our full-time jobs give us structure and a routine, but our lives can be, and will be, so much more fulfilled and productive if we set up our own routines and structure totally independent of our jobs. Now that I’m semi-retired I am going to work much harder on my own routines and structure too.