This week the United States celebrates another birthday. Since the 4th falls on a Tuesday, it is a long weekend for those workers lucky enough to also take Monday off. Last Thursday as I did my usual grocery shopping for the next month, I passed displays of beach towels and flipflops, towers of soda and beer, end caps filled with backpacks, American flags and fireworks. People frantically rushing to gather goodies for the holiday clogged the aisles. I was reminded of the days when I, in my suit and heels, also rushed through a store at lunch hour or after work to grab last minute Independence Day necessities.
After viewing this scene from my retired perch, I decided I’m also celebrating the personal freedom retirement brought me. For the first time in my life I am not bound to do what society expects of us. Even as a child I did not enjoy the freedom retirement affords me.
Today, there are no parents, managers or other authority figures dictating how I spend my time. The suits and heels are long gone. OK I have one suit and two pair of heels left in my closet for special occasions. But, my wardrobe of choice these days is jeans and t-shirts with loafers, sandals or sneakers. The suit hangs in a breathable bag; the heels are boxed high on a shelf.
Oh, I still have responsibilities. I have to pay the utilities on time, keep a watchful eye on my investments and adhere to a self-imposed budget lest I become a bag lady at ninety. I have to be a good citizen and mind the laws of my state and country, get my drivers license renewed and pay my taxes. But, how I spend my days is up to me. That is a huge responsibility in and of itself. Ingrained in the workaholic boomer generation is the idea that leisure time is wasted time. Freedom just may come with an emotional price.
However, that’s not for me either. I learned a long, long time ago when my workaholic ways caved in upon me, that every life needs balance. I accomplish a lot in my freedom filled life. I also give myself permission to just sit and be for a time each day. Piddling, as my dad called it, is good for the mind and the soul. Taking time to watch birds flutter around the feeders in the back yard while I enjoy my morning coffee is not wasted time.
Accomplishments in retirement are not the same as accomplishments in my past work life. In June I spent a morning trimming grape vines within an inch of their lives. This task is necessary so the vines put their energy into the clusters of grapes. I consider that an accomplishment. Not one that will get me a promotion or a raise, but one that gives me pleasure knowing I will pick clusters of deep purple grapes come fall.
After a day working in my gardens, I always, ALWAYS take a garden tour, strolling leisurely while I admire the beauty. I also consider that an accomplishment. We all need a moment to stop and smell the roses. Otherwise, what’s the point of having them?
This week while workers take a long weekend crowding beaches and camp grounds, turning out for spectacular fireworks displays and enjoying a cold beer around the barbecue, I’m celebrating my successful transition to retirement freedom. Now that is an accomplishment!
The woman looked at me with what I can only describe as pity as she said, “Getting old sucks.” I started to counter her assumption. I found it condescending. Then I closed my mouth. I was already in the middle of a disagreement with her; I didn’t want to add fuel to the fire.
Getting old does not suck. What sucks is the view our society holds about getting old.
We all knew people who didn’t make it this far in life — relatives, friends, classmates, co-workers and neighbors who passed away at a younger age, perhaps even as children. People who didn’t get to fall in love, have a career, reach their full potential, buy a house, the first car, go to college, have children or see children grow or enjoy grandchildren.
No, getting old does not suck. It’s a privilege, a gift.
Yet, people still young, as well as some our age, look at aging as if it’s a disease, at the very least a time of decline, both physically and mentally. I have my share of infirmities, but most are not the result of old age. I had polio at three, which surfaces years later as post-polio syndrome. I also have occasional pain in my lower back, the result of lifting something too heavy for me when I was a mere nineteen. We all have health issues, some worsening from aging. Eventually, the parts will wear out. However, when I see a YouTube of an 89 year-old gymnast vaulting and landing on her feet, I realize the old adage of use it or lose it certainly applies.
Cognitive decline is not inevitable. Recent research and studies at most major universities around the world have shown the adult mind can continue to grow. The brain has plasticity meaning it can form new synaptic connections. We often think of children and young adults as the ones with growing minds. But adults at any age can continue to grow mentally if they exhibit the same curiosity, sense of adventure and learn new things just as they did earlier in life. These discoveries are changing the view of aging, albeit slowly.
Ashton Applewhite, author of This Chair Rocks: A Manifesto Against Ageism, is at the forefront of changing the stereotypes of what it means to get old. We all age. My grandchildren are aging. With kids, we refer to them as ‘growing up’; with over 60’s, we refer to them as aging. We suddenly become seniors, the elderly, the aged, old codgers. We also begin to be talked to as if we were the children, condescending talk. Talk as if we are incompetent. Or worse yet, we are ignored. Since I stopped coloring my hair, letting it go to its natural gray, I’m suddenly dear, sweetie, young lady and on and on or I’m invisible altogether.
I took Applewhite’s cue and used a situation as a teaching moment for an early twenties server at a restaurant. I noticed the couple at the next table who appeared to be in their late thirties were called ‘ma’am’ and ‘sir’. I’d finally had enough of being called ‘dear’ so I told the server not to call me that. She looked at me puzzled and said, “Why?” My reply, “Because my name is Kathy, not dear. If I were your age, would you call me dear?” She didn’t know what to say. Maybe I raised her consciousness; maybe she thought I was just a crabby old lady. I don’t know. But if we are to change the way old age is viewed, the change starts with us.
Our society views aging as something to be cured or fought as in anti-aging creams and makeups, botox injections, plastic surgery and medications to combat normal body changes that come with maturity. One woman, upon seeing my graying hair, told me, “If I stopped coloring my hair, my husband would divorce me.” I have no idea if their relationship is that superficial, but in our youth obsessed culture, not dying has apparently been known to spark a divorce. Fortunately, we are seeing more and more gray haired models like Cindy Joseph, defying the idea that old is washed up, has been and not beautiful.
Getting old does not suck. Attitudes suck. Do not pity me, feel sorry for me or patronize me. I’m having a good time being old and retired. You, too will be here someday. And, when you are, stay engaged with the world, realize that your brain still works and can grow, endeavor to try new activities, learn something. Realize you are still beautiful and vibrant. Stay physically active. Recognize ageism and use teachable moments to change attitudes. You are one of the lucky ones. Getting old is a gift. Do not squander it by believing in stereotypes.
Last Wednesday I joined a small class of Furman University students along with Professor Lorraine DeJong and other retired adults in an intergenerational course about what it’s like to be a “senior” in today’s society. Members of Furman’s Osher Lifelong Learning Institute (OLLI) were asked to participate voluntarily in order to bring the experience to life for the students. I signed up for a couple of classes. The subject for the class I attended last week was relationships. While we discussed family, adult children, grandchildren and friends, the segment that caught my eye was retired spouse syndrome.
Researching retired spouse syndrome, I found many articles as well as research in both Japan and Italy referring to it as retired husband syndrome. It’s no secret men have a more difficult time than women when leaving the workplace behind. More of a man’s identity is tied up in his job description and title.
Conversely, women have taken many roles throughout their lives from work to being the main caregiver of children, perhaps even staying at home for a few years while raising them. Women also are more apt to be the caregiver of parents in their later years. And, for most couples women are the ones who maintain the social calendar. As a result women are more flexible about identity.
That said, I experienced unexpected feelings of sadness and loss when I left work. Those feelings were repeated when Martin retired as I also had many ties with his co-workers over his long career at a single company. Admittedly part of my identity was immersed in his identity. When he retired I was no longer the wife of the vice-president.
As Professor Phyllis Moen, a sociologist at the University of Minnesota and author of numerous books, points out, the first two years of retirement can be a time of enormous stress on a marriage. Both men and women experience the strain as they struggle to create new identities, both as a couple and as individuals. While single men and women also struggle, they may or may not have a partner to consider.
Shortly after Martin retired, I had to remind him I was not going to be his only employee for the rest of his life. Suddenly, the way I filled the dishwasher and the time of day I put clothes in the washer was all wrong. Mind you, we have had a marriage of equal partnership where he washed clothes and did dishes, too. We both cook. It was our habit that whoever cooked dinner that night, the other one of us did the kitchen clean-up. This arrangement worked for decades without comment until retirement.
As I have chronicled in these pages, when we retire, our world shrinks. As it becomes smaller, we are sometimes caught up in minutiae. As I’ve also pointed out, it takes about two years to adjust to a new life and discard the old identity. Avoiding retired spouse syndrome requires an awareness of it in the first place. Once you are aware of it, then it takes commitment and communication as a couple to create the identity you envision for yourselves, together and individually.
Oftentimes, we forget the us factor. Us doesn’t mean we are joined at the hip 24/7; it means we honor and respect each other as we forge new identities. Listening is part of the communication, perhaps the most important aspect. One of the tools Martin and I used was the bucket list. We’d made bucket lists before retirement. We made others after retirement. Then we compared lists. It helped to ignite an honest discussion of who we were and who we wanted to be and whether or not our wants meshed. They did.
As for the dishwasher? Martin loads it — every night. Renewed purpose takes many forms. And we do laundry whenever we need to.
It was the end of 2012 when I first started looking for articles on what retirees did to create a happy retirement. My queries on the web resulted mostly in articles about retirement timing and finances. There was little to be found about a normal, happy retirement.
Last week one of my readers mentioned, “retirement means different things to different people” (thanks for the idea, Walter). That led to my wondering is there a normal retirement? My current search of the web indicates that most people still plan on their date to retire and their retirement income, but not much else.
Gathering information from you, my readers, I’d say there is no normal retirement. While most people plan on retiring somewhere between ages 65 and 70, what they do after that varies widely. I did an informal survey a few years ago with most of you responding about taking up some type of artistic endeavor — painting, writing, drawing, music, dance, knitting, quilting, acting — there is a wide variety of activities covered under the term art.
I know several people who read, read, read and belong to book clubs. They love literature. One woman belongs to three clubs. She can indulge in her passion for reading stories, then gather with her groups for socializing and stimulating discussion.
Besides volunteering there are many retirees who return to work part-time, whether they need to or not. I know of several people who continue working part-time for the social connections, sense of purpose and challenge that work offers. One woman told me, “My goal is to work until I’m eighty.” Her husband of 56 years does not like her working, but the work gives her such enjoyment, she continues at her job. All of these retirees, in fact, have spouses who did not take up paid work in retirement, opting instead to attend classes, continue hobbies, volunteer and whatever else they want to do.
Some retirees choose to just kick back and let each day unfold itself to them. They reason they worked long hours for decades, had bosses telling them what to do every weekday and maybe beyond, wended their way through office politics and satisfying clients and customers. To them, retirement is a long awaited luxury to just be in their own space and time doing whatever comes along.
Some retirees choose to focus on physical fitness, playing golf or tennis, biking, hiking and swimming. Some take up yoga. I know a ninety-year-old who still golfs twice a week. His mind is as sharp as his physical fitness. Staying in good physical shape is important for all of us as we age. Some retirees choose to make it their focus. What’s good for the heart is good for the brain.
Then there are those retirees like me. I don’t ever want to go back to the old grind, but I also need meaning and purpose in my life like I need air to breath. Doing activities that are fulfilling to me is totally necessary to my happiness. I’m a proponent of finding new meaning and purpose in retirement. Admittedly, what defines new meaning and purpose is obviously different for different people.
I also know people who spend most of their day watching TV. One man has three TV’s going all the time on the same channel, so as he moves from room to room he can continue watching his chosen show. Sitting around on the couch in front of the boob tube all day isn’t a life.
With a possible twenty or thirty years in retirement, you may reinvent yourself as many times as you did during your working years. You may end up doing some or all of the above or any number of other activities. You may be content to just float from day to day for a while, then find yourself needing meaning and purpose. You may not want to return to work even part-time, then find yourself wanting to engage again. Retirement is no different, than any other time in your life. It has twists and turns, ups and downs, opportunity knocking on your door and days of wonderful quiet. Whatever you choose to do in retirement is the norm for you. But, for goodness sake, do something.
When I think of peer pressure, I usually think of my teenage grandchildren. Yet, strangely enough, I’ve encountered more peer pressure in retirement than I thought possible. Oh, it’s not the type of pressure kids face like being hassled to smoke a cigarette or drink alcohol or experience an illegal drug. Rather it’s the push by peers to join the activities they enjoy assuming you will enjoy them, too. Or it’s the pressure to take part as a volunteer because volunteers are needed by their chosen organization. Or, it could be the person likes your company and may want to further the friendship by doing more together.
In just the last few weeks I’ve been asked to join book clubs, a monthly mahjong game, a gym, another writing group, a gardening club and a political action group. While I may certainly enjoy all of those activities, if I said, ‘yes’ to any or all of them, what is important to me would be swallowed up. In the past, saying, ‘no’ was not one of my strong points and sometimes it still isn’t. Why we agree to do something we really don’t want to do is usually based in our wish to keep the relationship. Thus we try not to offend the other person by saying, ‘no’ to their request.
Twenty-five years ago, when I was busy nearly going down in flames because I didn’t say, ‘no’ often enough, I learned a valuable lesson. I learned to say, ‘yes’ to me. This twist in my thinking made it easier to turn down the requests to join in too many activities. Not to sound mean, but I also figured out sometimes I was agreeing to partake with someone I didn’t really enjoy being around. My wish not to hurt another person’s feelings was taking a toll on me.
How did I arrive at this change in thinking, making self-love (not selfishness) a priority? I remember a spring day where I sat on the couch recovering from pleurisy. The night before Martin drove me the six blocks from our house to the local hospital. I didn’t think I was having a heart attack, but the hospital staff did. Describing chest pain and difficulty breathing got me an immediate wheelchair ride to the inner rooms of the ER where two nurses shoved oxygen tubes up my nose and took my pulse and then blood gases. Finally, a chest X-ray revealed inflammation of my lungs. Whew! In comparison to a heart attack, pleurisy sounded good. The ER doctor told me rest, rest, rest.
The thought of a heart attack scared me. Between naps, I spent the next day in deep retrospection of what my life was at the time. I likened myself to a small plane in a fiery nose-dive about to hit the ground, exploding into flames upon impact. This was not the first time I was in a nose-dive going down in flames. But, I knew it had to be the last.
As I sat in my internal revery that afternoon, a friend, who knew I was home from work sick, called to ask me to watch her eight-year-old daughter as “something” had come up that she just had to take care of. To my surprise I heard myself telling her I couldn’t possibly watch an eight-year-old in my condition. When she coaxed me with how quiet her daughter would be (I knew this kid was not quiet), I said, “Look I know you’re in a bind, but I’m also in a bind. I need rest. I have to take care of myself first.”
Even as I said it, I felt guilty, selfish. Yet, after we ended the conversation, I felt empowered. I felt good. I had said, ‘yes’ to me. That’s when I realized the operative word in these situations isn’t ‘no’; it’s ‘yes’… ‘yes’ to me. I needed to say, ‘yes’ to me and clear my life of activities and relationships that were not passionately important to me.
Although that may sound selfish, participating in activities because we feel we ‘should’ can take a toll on our psychological well-being. I call participating in activities we ‘want’ to partake in self-love as these are the activities that feed our spirit. Conversely, if an activity drains your spirit, it needs to go.
With the possibility of so much unstructured time in retirement, it’s more important then ever to know what you want, what is best for you and how to say, ‘yes’ to your priorities. In order to stay focused, write it down. The bucket list is a good place to start creating your agenda. If you are unsure about an activity, ask yourself if you are truly passionate about participating in that activity. With an unambiguous agenda it’s easier to set clear-cut boundaries with our peers. And, that helps us limit peer pressure at any age.
Growing up on the New Jersey shore, my parents, younger brother and I sometimes went to an inlet to hopefully collect crabs. An old wooden bulkhead provided a place for the crabs to clutch or, perhaps, be blocked from rolling back out with the tide. As the tide ebbed, we searched for the crustaceans clinging to the decaying wood. Back home in my parents’ kitchen, my brother and I played with the crabs on the floor as my mother boiled a large pot of water on the stove. Once the water came to a full rolling boil, my Dad put the crabs in the pot. It seems cruel to me now, but as children my brother and I liked to watch the drama of the crabs in the pot. You see, one of the crabs always tried to climb out of the pot while the other crabs pulled it back in until they all boiled together providing quite a show.
It wasn’t until I took the Dynamic Aging Program at Furman University that I heard crabs in a pot used as an analogy to describe people who are aging in the way our society expects us to age. According to the program creator, Dudley Tower, Ph.D, most people today just follow the expected norm, retiring to a life of leisure where they play golf or cards, travel, do a little volunteer work or whatever activity they choose to occupy their time, until they slowly decline mentally and physically, sliding little by little, day by day, inch by inch, toward death.
We expect to take care of ourselves by following a healthy diet, doing some type of exercise but, believing, inevitably, we’ll need assisted living and eventually, maybe, probably nursing home care. Prior to my mother’s death several years ago, she spent the last three months of her life in a nursing home. After visiting her with Martin and our youngest daughter, as we rode the elevator down to the ground floor, I said to my daughter, “If I ever have to be in a facility like this, it is my express wish that you just shoot me.”
As dreary and desperate as that sounds, my view has not changed, especially after Martin’s journey and demise. So, the story of the crabs in a pot resonates with me. But what is the alternative? Is there an alternative? We all know we are all going to die. As my father used to say, “Nobody gets out alive.” Then, of course, he’d chuckle at his little joke. In fact, most of us have probably lived our lives based on societal norms and expectations of how we should behave. We went to school, grew up with little push back, got a job, got married, had kids, bought a house with a mortgage, raised the kids, advanced in the job and finally, here we are, retired. And, now, we are following the normal model of aging, retiring to a life of leisure and slow physical and, maybe, cognitive decline until we have to go to a nursing home. In other words, we are waiting to slowly boil to death like crabs in a pot. Ugh!
Now, for the alternative to what was the normal aging experience for our parents and grandparents. People are living longer with more and more people in developed countries living to be 100. Retiring at 70 years of age could leave you with 30 years until you die. Think about it! If the idea of spending 20 to 30 years playing golf or mahjong or traveling or gardening or whatever and then going to assisted living followed by nursing care, is your idea of a great life, that’s entirely up to you. But, wouldn’t you rather do something more exciting?
I asked myself the question, “What would you do with the last third of your life if you were not afraid?” It is self-imposed limitations that hold us back. Self-imposed limitations are something we attribute to ourselves out of fear of failure, fear of embarrassment, fear of ridicule, fear of whatever we are afraid of. What would you do if society, your friends, your family, your neighbors didn’t expect you to live a life of leisure until your world becomes smaller and smaller and you decline further and further? Would you go back to college, start a new career, open a business, learn a new skill, follow your heart, resurrect a childhood dream?
The last third of life offers a freedom like none we have ever experienced. What others think about what we do with our lives really doesn’t matter. We can let our imaginations soar. We can take some behavioral risk. Our society, however, does not readily support personal development as we age. Someone who is 20 or 30 or 40 or even 50 is expected to continue developing on a personal level. It’s a given, the same as society’s expectation of decline for our aging population.
By the time we hit the big 60, we are expected to slow down. We start hearing the ‘at your age’ mantras. Oh, yes, we hear on occasion about the 79 year old weight lifter with a great set of abs or the 89 year old gymnast still vaulting off equipment like a teenager or the 98 year old publishing a first book. Why aren’t we all striving to do something we always longed to do but never had the time to pursue? Because we believe the aging euphemisms about slowing down, about being too old to do this or that. As children, we all had dreams. We all learned new things every day, day in and day out. Aging dynamically requires more than taking care of our health. It requires that we look inside ourselves and resurrect our thirst for learning, our thirst for living on our personal edge and maybe a dream or two. We really won’t know what we are capable of as we age until we throw out society’s expectation of aging.
Shortly after retiring, it occurred to me that retirement was not all it was cracked up to be. Sure, I enjoyed the honeymoon after leaving work, when everyday seemed like an extended vacation. It didn’t take long, however, for disillusionment to set in. I missed the challenge and excitement and camaraderie that work provided. Yet, I didn’t want to go back to work, at least not the traditional work place.
Instead, I resurrected a dream and have been pursuing it ever since. My dream was to be a writer. Long, long ago life got in the way. Having to support a family and taking a different career path, I gave up my dream. Shortly, after retiring, with the power of the internet, I started my own blog. I became a writer. Recently, I started taking courses in writing to sharpen my skills. I decided to seriously pursue writing as a craft. And, now I’m writing my memoirs along with some short stories. I may or may not find a publisher. I may have to self-publish. It doesn’t matter. What matters are the possibilities I am creating for myself.
I am feeling more alive and excited about the future than I have in years. I’m more mindful of what I am doing with my life. I have a vision of how I want the rest of my life to play out. I am aging dynamically. And, that is the alternative. We can meet society’s expectation of how we will age or we can chart a new course, throwing away previous models and maps. How about it? Are you going to be a crab in a pot? Or, will you be the one who scrambles over the side to freedom? Come on…dream a little dream or two.
In the past few weeks I’ve had more than one friend tell me how, now that they are over 60, they’re having an easier time telling people what they actually think. They are having an easier time saying, “No” and putting their needs first.
One said, “Do you think that’s selfish?” My resounding answer was and is, “Absolutely not! In fact, it’s healthy.”
On the other hand I encountered someone trying to please everyone. As she found out, not for the first time, pleasing everyone is an impossible task. I’ve learned the act of trying to please one person often means being unfair to another person. Then, when that person squawks and you try to alter the situation to please them, the first person is affronted. What a mess! It’s a no-win situation for the people-pleaser.
Being a people-pleaser takes its toll on our stress level. While the people-pleaser is trying to please others, they are usually putting their feelings and needs aside. We already have our own problems. Increasing that burden by accepting ownership of someone else’s feelings or problems also increases our stress level. The current mantra of “Not my circus; not my monkey” is a healthy thought. Leaving someone else’s monkey on their back means you are setting boundaries.
All too often we look at setting personal boundaries as building fences that keep others out. In reality we are making others responsible and accountable for their situation. Remember the old saying, “Good fences make good neighbors?” Just like a physical fence along a lot line, setting personal boundaries tells others which space is yours and which space belongs to them. It sets the tone of respect for your emotions, your time and your well-being.
One of the situations I’ve come across in retirement is people who think I am sitting around with lots and lots of time on my hands just waiting for them to give me something to do. Before I retired I was warned by an already-retired acquaintance how I would need to guard my time jealously. He was correct. This is where I found it necessary to set boundaries time and again as people thought I would make a great volunteer for their organization or I had time for one more class or an afternoon of playing cards or joining one more club or group. I struggle at times, but for my personal sanity I learned to say, “No.”
Most of the time I’m in a give and take relationship where my decision is accepted graciously. There is mutual respect. However, if my decision is not respected and pushback ensues, I have no qualms about pushing back myself. And, yes, I find it easier to tell people what I want, need and think now that I’m in my sixties. After decades of caring for others, sometimes to my detriment, this time is for me. Oh, I still have people I care for and want to take care of, but I put my needs at the top of the pecking order.
Working on self-awareness is wholly necessary to reach self-confidence in setting boundaries. Being mindful of who you are in retirement, what you want from these years and what you need emotionally to achieve a fulfilling lifestyle will help you stay on your chosen path. Fences do not keep people out; fences allow you to thrive on your terms.
This post first appeared on May 6, 2013. It actually took another 18 months to find real satisfaction in retirement. But, this was a turning point.
One of the Rolling Stones most popular hits was a song titled “I Can’t Get No Satisfaction”. That seemed to be my theme song for the first 6 months after we officially retired. But, finally after 6 months plus, we have adjusted to our new life. So, today I’m posting what I believe are the steps for getting here from there.
Like most people preparing for retirement, we focused on the financial aspect. And, I don’t want to make light of how important that factor is. It’s, in fact, the single most important factor. No matter where you are in life, if you don’t have enough money to at least meet your basic needs, you aren’t likely to be happy. But, as we approached retirement, the big surprise for us was how our enthusiasm gave way to stress and emotion at saying goodbye to a forty year way of life.
Planning your financial security is a piece of cake compared to addressing the emotional components in your retirement planning. Early on I posted The Transition about being broad-sided by the emotional aspect of retiring. We planned, planned, planned for the money but didn’t put a lot of thought into the psychology. I guess that’s because most books, articles and web sites focus on the finances. We had lots of activities, family and friends and a wish list of travel and learning. But, we were very unprepared for the emotion and stress. After 6 months of ups and downs, corrections in mindset and adjustments, I am able to identify what we should have done to make the transition more painless.
What is the saying about hindsight? It’s 20/20. I hope my 20/20 hindsight vision will help anyone contemplating retirement. Here we go…
When we decided to retire, we looked at retirement as a destination. What I realized about two months into it is retirement is a journey. Hence, the tagline for my blog. There is no one place you are going to. It’s, instead, a never ending adventure. Wrap your head around that because your mindset is very important to entering your journey. You need a forward looking attitude. If your employer has an Employee Assistance Program offering a few weeks of free counseling as one of the benefits, take advantage of it. Even if you think you don’t need it, see a counselor and take your spouse or partner with you. You don’t know what you don’t know. Does that make sense? I hope so. A counselor can help you focus on this next part of your life and how to make the transition less bumpy.
With that in mind, sever the emotional ties to your old work place as soon as possible. Sounds harsh. But once you really say goodbye, you are free to focus on your new life. So, move on as quickly as possible. Martin was really good at saying goodbye. I had a more difficult time. Staying in the loop on your old employer’s activities, politics and (brrr..shudder) the gossip is counterproductive to what you really want to accomplish by retiring. I’m not saying discard true friendships developed through work. I have real friends I met at work, but we have lots of other things in common, which is why we’re friends. Ditch the relationships based on nothing but the work. You left work because you are looking for a new community and activities. Don’t cling to the past.
Like many people we chose our date based on birthdays. Sounds logical because, again, it’s all about the finances. Right? Wrong! You can start collecting from your 401K or IRA at 59-1/2. You can start collecting social security at 62. Base your date on these events and you may be making a big mistake. In choosing your date forget the finances and look at your activities. What are you planning to do with your days? Plan for this just like you plan for your finances and be specific. That was our mistake. When people said, “What are you going to do in retirement?”, we gushed about motorcycling, bicycling, gardening, hiking and some travel. Most of our activities are fair weather types. In South Carolina, the weather is such, you can normally do some outside activities even in the winter. However, we had an unusually rainy, cold, long winter. In fact, as I write this, it’s 52 degrees and 3-5 inches of rain pouring down in May! Even our travel destinations were not conducive to a lot of sightseeing during this winter. We went some places anyway but it was not as enjoyable as anticipated. Fortunately, we had plenty of indoor activities and we stayed open to trying new ones. Choose your date carefully.
Speaking of timing, if you have a spouse or partner, who is also retiring, choose the same retirement date. One of the most difficult transitions was my adjustment to Martin being at home. You see, I left work two years earlier. My routine was mostly just up to me. Once he left the house every day, I did things on my schedule. I’m also less structured than Martin so part of my routine was no routine. Suddenly, I had someone else in the house all day wanting to know what I was going to do with my time or wanting me to tag along with them when I had other ideas. It took the first three months for us to mesh our wants, needs and routines. I’d like to say that occurred without a lot of stress, disagreements and negotiation, but I’d be lying. This is an area where an EAP counselor could have made a difference for us.
Next up, be sure you have enough activities to occupy your time. If you work an eight hour day with an hour for lunch and a 30 minute commute one way, that’s ten hours of activity per day or 50 hours a week you have to replace. The first couple of weeks you feel like you’re on vacation. Enjoy that feeling of just kicking back and doing nothing. But, after that, you need a boat load of activities to take up 50 or 60 hours each week. Make a list of your hobbies, crafts, volunteer activities and how much time will be dedicated to each one on a weekly basis. Martin and I have also been watching one of our grandkids two days a week. He’s also continued to visit his parents for lunch weekly. We had a few maintenance items, which needed performing on our house and property. Include anything like that as well. If you can’t come up with at least 40 hours of activity to replace your work time, start looking around for clubs to join, new volunteer adventures or classes to take. And, once you retire, keep your mind open to learning new things and taking on new adventures. I’ve read retirees watch way too much TV. Don’t become one of them! This is an opportunity to grow and re-energize your life. Don’t squander it on the boob-tube. We’ve quickly figured out how taking up a new project or learning a new skill adds excitement and purpose to our lives. I want those feelings to continue, don’t you?
We also found the word ‘retirement’ in and of itself was a negative. The definition and societal view of retirement is such a has-been, life is over connotation. I kept reading every article I could find on the terms used to describe someone who is growing older and retired. All of them so dreary. I also read several articles about others trying to find a better definition for the words ‘retiree’ and ‘senior’. So, I’m not alone. I guess my subconscious was just working away to find another term because a couple of months ago, it just popped into my head. I’m a PIM…Person of Independent Means. The definition is since I no longer need to work for money I can do whatever the Hell I want with my time, including working for money, if I want to. Even retirees who have to work part-time can be PIM’s as they also have some independent means. Being a PIM instead of a retiree is liberating. It gives you a whole different mindset about this segment of the journey of your life. We have choices. We are healthy. We are active. We get to write a whole new chapter on our terms. And, the term is PIM!
So, how do we feel about being retired…errr…PIMs? We could not even begin to think about returning to the work force. That’s how we feel. We’re having too much fun.
We’re enjoying the freedom of so much choice. We’re enjoying the challenge of finding new and interesting things to do. We’re enjoying the exploration and the thrill of discovery. We’re enjoying meeting other PIMs and developing a new community of friends and acquaintances. We’re enjoying not having to make a 30 minute commute to work in the pouring rain and instead, making spaghetti sauce, chocolate chip cookies, snuggling in to read, write, knit, spin on the stationary bike and talk. Then, later, opening a bottle of red and enjoying a delicious dinner.
I guess the final step is just relax, give yourself time to adjust and keep an open mind. The journey to here from there is just beginning.
Standing in line at the grocery store, I read the magazine covers as I waited my turn. There it was as it always is — ‘How To Make 2017 Your Best Year Ever’. Every December with the current year not quite over, the editors trot out their list for creating a spectacular next year. The Christmas tree is just up and we are in the holiday rush, but don’t forget to forge your campaign for taking on the following twelve months.
Admittedly, when I worked for a living in the corporate denizens, I paid attention to such things. I read the articles on self-improvement and marketing my skills to the boss. I listed goals to be achieved in order to gain a promotion or larger paycheck. And, yes I did this in the throes of the holiday rush of decorating, gift buying, cookie baking and parties. Working in real estate, especially commercial real estate, this was also the busiest time of year. Rush, rush, rush.
Now I’m the boss. I do what I want when I want. Oh, to be sure, I have looked ahead to 2017. I have reflected on 2016, a rough year for most of the world. These days my contemplation is done at a slower pace, no need to squeeze it in along with the galloping pace of the holidays. But, if I were to make a personal list now for creating the best year ever, this is where I would start.
1. Slow down. There is no need to rush into the new year or anything else for that matter. Enjoy the present moment.
2. However, continue to make goals for yourself. Without a compass, you could lose your way. Goals provide direction, clarity of purpose. We still need purpose in our lives.
3. Try something you always wanted to do. Discover your passion. Ask yourself what you always wanted to try, but were too busy, too timid, too concerned about what others might think about you, to try it.
4. Meet new people. Staying engaged with other people is known to keep your mind and body from declining. Join a club. Volunteer for a non-profit, hospital, school or religious organization. Go to your local senior center.
5. Learn something new. Learn to play guitar, speak a new language, play chess, knit a scarf, paint a picture.
6. Travel in your own backyard. What is your area known for? Are there parks, museums, historic sites you never visited even though you toured someplace thousands of miles away? Take a local tour in 2017.
That’s where I would start to make 2017 the best year ever. I may even wait until January 1 to create my specific list. After all, it’s only December. No rush.
This post first appeared on March 18, 2013. Given the tumultuous political season just past in the US, I decided to post it again. Change comes from everyday people taking courage to do extraordinary things.
When I started this blog, this post was not the kind of post I had in mind. This is not meant to start any kind of political debate. Nor is it meant to place blame. It is simply something which has been on my mind due to what I’m seeing in the news. Just like every post I write, these are simply my thoughts put in writing. That said, if you have constructive thoughts you’d like to share, I would love to hear them.
Over the past couple of weeks I’ve seen a few stories in the news and read some posts on other blogs and list serves about sexism and ageism in America. The views range from Sheryl Sandberg’s view that women must rid themselves of the internal barriers to gaining power in the workplace to male nurses are paid more than female nurses because, well, because they are male. Reading through the conversations on a senior forum, the answers behind the question of ageism from this group of mainly professionals, seems to be the mindset of both the general public as well as workers in the senior care professions. As someone who is categorized as one of the point women fueling the feminist movement of the 1970’s, I say we’ve come along way, baby, but the consciousness raising ain’t done. Mindset on both counts.
So, how is mindset changed? And why is it important to change it? Well, the first answer is that old-fashioned (yes, the tools of the 1970’s are now old-fashioned) consciousness raising is what changes mindset.
I’m not talking about what is politically correct here. I’m talking about our internal beliefs brought to life each and every day through our words and actions. I’m also talking about changing those internal beliefs because it’s practical to change.
That brings me to my answer on the second question. I see sexism and ageism as being linked. And, it’s important to change the attitudes because our society has evolved, but our mindset hasn’t kept pace with the evolution.
It’s no secret. In general, women still outlive men. Yet, women, and their partners, don’t take their working and saving and, yes, contributing to Social Security, as seriously as they should.
The majority of women work today. We are also still the parent who puts aside career in favor of raising our children to a certain age before we head back to work. As a working mother, I know first hand how hard that is and how important that is. From a practical standpoint, I also know, currently, the Social Security Administration will take your 35 highest income years to compute your Social Security benefit.
I have also met many women who forego maxing out their 401k contribution in favor of their spouse’s plan. Why? Mindset. The reason many women live their old age in poverty is because they tend to take care of others before taking care of themselves.
The change in mindset starts with women just as it did in the 1960’s and ’70’s. It is up to women to demand equal pay for equal work. The fact that John Doe has been on the job longer is a red herring if Mary Doe is up to the same speed. You might even say, if Mary can rev her engine at the same rpm’s as John, without the years, then Mary may be the better qualified employee.
It’s also up to Mary to start taking care of Mary by saying to her partner, “I’m putting as much in my retirement fund as you are, Honey”. And, by the way, I need 35 years in the workforce making as much as I can, so if you die first and leave me alone, or, if we’re among the 60% who divorce, I don’t have to worry about where my next meal is coming from in my old age.
Reading the comments on ageism, I found it interesting how several people thought our society needed a Gloria Steinem or a Rosa Parks to make a stand and raise our consciousness about ageism. As someone who watched Gloria Steinem on the evening news way back in the late 1960’s, I must say she was an influence on the direction my mindset took. However, the real work was done by everyday people with the courage to stand up in the face of societal norms and say, “That’s not acceptable anymore.”
Well, people don’t age the way they used to. The reason Social Security and Medicare are in trouble isn’t because of any federal deficit or economic downturn. While the reason is a lot more complicated than this, the short and the long of it is we are living longer. We have better medical care. We have more options available to us. Seniors are more active, more involved than ever. When seniors leave the workforce, if they do at all, they aren’t going home to die. They are going on to a new, exciting chapter of their life journey. Our society has changed. Retirement has evolved. Yet, we hang onto the old stereotypes of aging and the aged — ageism.
Mahatma Gandhi is credited with the quote, “Be the change you want to see in the world.” So, if we want to get rid of sexism and ageism, it’s up to each of us to first get rid of the internal barriers preventing each of us from changing our mindset. We don’t need a Rosa Parks or a Gloria Steinem or a Mahatma Gandhi. After all, at one moment, each of them were just ordinary people willing to take action, to speak up. So, all we really need is the courage of our convictions. Catching up with our societal evolution depends on it.
Kathy's Retirement Blog 