Showing posts with label retirement. Show all posts
Showing posts with label retirement. Show all posts

Friday, July 6, 2018

Friday Feature: A Roadmap for Couples in Retirement

Six years ago, I retired. I was 51 years old, my daughter was just entering high school and my husband was still working full time.

It was an adjustment, especially since my first year was a limbo year. Retiring at 51 meant exiting my primary profession, but it didn't mean leaving the work force entirely. Since I hadn't stepped out of one job and into another, however, I had a lot of figuring out to do and, suddenly, plenty of time in which to do that. For a while, my husband and my daughter maintained their schedules while I tried to carve out a new one for myself and to figure out who I was now that I'd left my career behind.

These days, I'm firmly ensconced in my second career and very happy where I am. At some point, though, I will retire for real and so will my husband. My daughter, now a college student, will be on her own, making us empty nesters for real. It will be transition time again.

In her Next Avenue article, "An Emotional Playbook for Couples in Retirement," Joan Fischer acknowledges the challenges of this transition, and offers some suggestions for navigating it. Sure, it's supposed to be a time to relax and have fun, free from the entanglements of a work life, but it's also an entirely new way of life. Schedules change. Priorities change. We change.

Fischer's article is worth a read for empty nesters, too. It's so easy to assume we should just know how to do this and that it all should be fun and games as our responsibilities fade away and we have time for ourselves. But, as Fischer says, "Most of us don’t blithely stumble into marriage or childbirth, perhaps because those transitions carry so many obvious red flags."

If we prepare financially for these transitions, why not prepare emotionally too? Acknowledging the enormity of the change is the first step, and Fischer's practical suggestions offer guidance in navigating the new terrain.

What are you looking forward to in retirement? Why not take some steps in that direction now?


Friday, April 21, 2017

Friday Feature: Working Longer & Loving It

Five years ago, I took an early retirement.

It didn't stick.

The first year looked a lot like retirement, with a few community ed classes (as an instructor) and some writing thrown in. But before the academic year ended, I got another teaching offer, one that turned into a second career.

I don't really mind. In fact, I'm thrilled. I never expected to be retired in the traditional sense at 51, and finding a second career I loved as much as the one I'd left was a wonderful surprise.

Whether for financial reasons, or just to keep things interesting, many of us work in retirement, sometimes even establishing a second career.

Wondering if it's time for a change? In her article "How to Keep Working into Your Sixties and Beyond," Kerry Hannon shares 5 rules to keep working and to switch careers.

Because sometimes, change is good.

Friday, October 28, 2016

Friday Feature: Time Management...in Retirement?

When you think of retirement, what comes to mind? No more alarm clocks? Sailing around the world? Pursuing a hobby, or maybe even a new career?

I'm betting that time management doesn't even crack the top ten.

But, when you think of it, what could be more important when you suddenly find yourself with more leisure time to manage?

As it turns out, those who manage their time are happier in retirement than those who don't. I'm not talking about checklists and daily schedules, here -- more like a flexible set of goals and wishful to-dos. Kind of like the way parents are encouraged to look at a toddler's diet -- a week-in-view big picture rather than a day-by-day line item assessment.

Actually, this makes quite a bit of sense. By the time we retire, it's been decades since we've had hours of free time to play with every day, so it's only logical that it might take some time and practice to find a new balance.

So go ahead. Make those retirement plans. And, while you're at it, make that bucket list, too.

You're going to want to have some things to put on your calendar.


Wednesday, February 3, 2016

4 Things that are Different 4 Years Later

Four years ago at this time, I'd just turned in my letter of intent as the first step in my retirement journey. Things were emotional, to say the least. My family was less than thrilled with my decision -- the part of my family that lives in my house, anyway -- and I was alternately exhilarated and terrified. I was just beginning to share the news with my colleagues, very few of whom had seen it coming, as I was about a decade younger than retirement age. I was crying a lot, praying a lot and trying to act as though everything was normal, when, in fact, it was about as far from normal as my professional life had ever been.

Four years later, things are different. I still worry about money -- but I know very few parents of high school seniors that aren't thinking about money. A lot of other things have changed, though -- nearly all for the better.

My daughter, who was finishing middle school when I made this decision, is now finishing high school, and on the cusp of changes of her own. In the intervening four years, I've gotten to spend much more time with her than I would have if I'd stayed where I was. I'm here every morning when she leaves for school, and accessible nearly every day after school. I'm around most days when she and her friends come by for lunch, and though I make myself scarce so they can have their privacy, I love that I'm here. When she leaves for college next fall, I'll expect that I'll treasure these four years even more than I do now.

Photo: pixabay.com
My job is different, yet the same. I always thought I'd continue to work part time as a counselor, but when that door closed, I was more surprised than sad. As it turned out, being an educator was rooted in me more deeply. While I initially sought out jobs in community education to earn an additional paycheck because that was what I knew, once I got back into the classroom, I realized it was a part of who I am as well. And, though a part of me always thought it would be fun to teach at the college level, I never imagined leaving elementary education behind. Then again, I never imagined it would look the way it does today.

My writing is an enormous part of my life, which came as a surprise to no one. When I shared my intention to retire, all of my colleagues asked me if I planned to write. I'm not sure I'm cut out to be a full-time writer -- I'm used to the stimulation and interaction teaching brings -- but I love that writing of some kind happens nearly every day in this no-longer-new lifestyle. While I've been blogging for close to a decade, I didn't blog regularly until I retired. Though I had two nonfiction books published while I was working, I didn't publish a novel until after I retired -- and then, I had two out within two years. The combination of writing and teaching fills -- and drains -- the creative part of my personality.

My schedule is much more within my control. The first year, I had almost too much time on my hands, and last semester, I had almost none. But the pace of the days is up to me much more than it every was. While I still plan my day around classes, I don't have to report to a place of business (except when I teach), and though I get up to see my daughter off to school every morning (much more for me than for her), I can go back to bed when she leaves if I want to (and, as a non-morning person, I often want to). I can work until noon, take a long lunch, and make up the hours in the evening -- and I often do -- which is a great option for a night owl. My schedule now shifts three times a year instead of twice, and that is still taking some getting used to, but I love the freedom that comes with it.

pixabay.com
We never know for sure the impact of the decisions we're making when we make them. We can hope, pray and project, but every new choice carries new risk -- risk that inspires fear we can overcome only in the face of deadlines that force us to choose. Sink or swim. Now or never.

Maybe there's something to be said for the magic wands and crystal balls of fairy tales.

Or maybe they unnecessarily complicate leaps of faith.

Friday, October 9, 2015

4 Keys to Happiness in Retirement...or Before

Photo: Mensatic via Morguefile
Three years ago, I took a leap of faith and an early retirement. I didn't intend to fully retire; for one thing, I was too young, and for another, I had a daughter starting high school, which meant college was just around the corner.

It's been an interesting three years. I still worry about money (I don't know any parents with children on the cusp of college who don't), but I don't regret my decision. Though I'm younger than the retirees in 4 Traits of the Happiest Retirees, I think the advice fits not just retirees, but people of all ages. 

So why not start practicing now?

Wednesday, December 17, 2014

I Want it All!

As I careen toward my second post-"retirement" Christmas, I find myself wondering if perhaps I've finally done it. Perhaps I truly have bitten off more than I can chew.

As I was mulling over this depressing possibility, a song lyric from a show I did years ago popped into my head, nudging me to find a recording (on YouTube, as my CD, like so many other things in my house at the moment, has gone missing) and select just the right verse, which, ironically, belongs to a college student:
"I've been sitting here making decisions, just like you have. And so the thing that I did was to make myself a list. I put what I want on this side, and what I don't want over here. It was quite a bout, but I've worked it out. And now the answer's very clear....
          ....I want it all!"

And her "all" encompasses (among other things) "adventure, love, career, kids large and small" along with
"a quiet, simple life and some glory. And Steven Spielberg filming my first story."
Yup. That's about right.

Though I should be the older woman -- the voice of reason ("Oh no, my friends. There's no two ways to slice it. You must choose, my friends...."), well, I'm just not.

Or maybe I am. Even as she counsels that there are "things any grown-up, practical woman gives up if she's wise..." she, too, arrives at the same conclusion, with her ultimate war cry against settling and practicality coming at the end of the song: "I could get used to this!"

Well, it's been two years. I've gotten used to a lot of things. Never did I think I'd find myself getting used to a schedule that was even crazier than the one I left behind, but there you have it. As I've noted before, for me, retirement didn't "take."

Although those first few months of peaceful planning were nice, as I look at the "all" that comprises my life right now, I can't imagine what I'd part with. (Though not parting with anything does lead to parting with things like sleep and order...) It's easy to look at commitments and think that if I eliminated just one, I'd have a lovely open space on my calendar (that elusive thing called "free time" that I've heard others speak of), but in my crazy "I want it all!" mindset, I've actually chosen all those things that keep me leapfrogging from one calendar square to the next. (Except for things like cooking and cleaning...but I think others would object to my elimination of those).

Besides, I'm an optimist. I keep thinking it's all going to work. Achieving balance takes time, after all, and it's complicated by the fact that just when you think you've got it, something comes along that knocks everything off-kilter.

But on the good days, things come along that remind me why I keep juggling. As I was typing this, my daughter came home from school. And I was here. Exactly where I wanted to be.

And I've definitely gotten used to that.

http://www.amazon.com/Baby-1983-Original-Broadway-Cast/dp/B00000JT5V/ref=sr_1_1?ie=UTF8&qid=1418847796&sr=8-1&keywords=baby+maltby+shire&pebp=1418847798128

Friday, November 14, 2014

Friday Freebie: What I'm Reading in Ten Minutes or Less: Five Steps for Making Your Passion Your Priority

When the school district I worked for offered an early retirement incentive two years ago, I jumped at the idea. Moving from excitement over the possibilities to making it a reality took a lot more time and soul-searching, however. I was just over fifty and my daughter was about to start high school. College tuition, among other expenses, loomed and fear that the decision would backfire was overwhelming.

I was fortunate to be surrounded by supportive friends, and to get some pretty clear answers to the prayers I sent up at regular intervals throughout the day. I'd also had some pretty great role models -- women who'd followed their passions alongside their day jobs and family responsibilities -- who'd shown me what it looked like to lay a foundation for retirement.

One of the things I looked forward to was following my passion -- writing. (Little did I know that retiring wouldn't weaken my passion for teaching). And when I read Stacey Horowitz's 5 Steps for Making Passion Your Priority, I remembered all of those pre-retirement dreams all over again.



Now, two years have passed. Some days, I still struggle to find time to make my passion my priority, but I can say for sure that setting my sights on my passion was worth it. I was too young to retire by typical standards, but I was old enough to know that life is too short to put off the things that put the light in our eyes and the joy in our days.

Though I loved Horowitz's ideas for working in those things that matter most to us, what I most identified with in the article was her realism. The fact that sometimes we get our best ideas in the shower because it's the only time we have that's uninterrupted and allocated for just one thing -- one thing we can do on autopilot. The fact that many times, I go to bed tired and wake up still exhausted, but it's okay because I know what I'm doing matters.

What have you been longing to do? And how can you fit it into your life? Every baby step takes us closer to the dream.

There's no time like the present.

Wednesday, May 28, 2014

Twitter Truths


technorati.com
Scrolling through the Twittersphere this morning, I had to chuckle at this tweet from Sarah Reinhard:

"What is this "biting off more than you can chew" thing people ask me about? Huh? #Igetitalldone #99percentontime"
And, of course, I had to retweet, not just because of Sarah's characteristically funny hashtags, but because the sentiment is oh-so-familiar.

I thought that when I retired, life would slow down. Though I knew I wasn't finished working, I also knew that whatever jobs I took on in this next season of my life were likely to be part-time, giving me
more control over my schedule and therefore more time to do all the things I enjoy doing.

As it turns out, that list is long, and retired or not, I still have only 24 hours in a day. In addition, the "jobs" -- as in the plural form -- which have replaced the single job I left behind two years ago --sometimes seem as though they require the energy of a much younger person.

Fortunately, these jobs add much to my life -- pleasure, satisfaction, creative and intellectual fulfillment. The one thing they don't add is time (in fact, they subtract it, sometimes exponentially).

But there's not a single one I'd relinquish. Some days, I feel as though my head is spinning, and other days, I simply curl up and take a nap in sheer self-defense, but overall, to quote Sarah's hashtags, "I get it all done, 99% on time."And on a good day, the energy I expend seems to create more energy in the process.

The truth is, I don't know how to be any other way. I've always approached life with an "all in" attitude; I'm just not capable of passing up the opportunity to do something I love. And when I pause and think about the things I might not have done if I'd been more practical with the expenditure of my time, I'm even more certain that saying yes -- within reason -- is right for me.

But it helps to know someone like Sarah is on the same crazy ride because let's face it -- life's better when you have company for the journey.




Word Count Wednesday: 5245 :-)

Monday, July 15, 2013

The Impermanence of Goodbye

Yesterday, my favorite priest said his final Mass at our parish. He has volunteered to take on a new ministry, and will no longer be part of the day-to-day workings of our parish -- a development that he describes as "going off the payroll." A beacon of light and inspiration -- along with ADHD-level energy and wonderful voice -- he will be greatly missed.
Photo: www.sjy.org

He said something in his homily that I knew I should have written down, but whipping out a pen and pad in the middle of Mass seemed inappropriate -- even if I could have dug one out of my choir bag. It had to do with goodbyes and greetings, and how one sign of friendship is when we greet each other with the same amount of affection and enthusiasm that we express when we are saying goodbye.

As usual, his remarks hit home. I've been thinking a lot lately about how life changes often reveal who our true friends are. It's hard to believe that almost a year of retirement is behind me, and quite interesting to see who's stuck around.

Lives are busy and friendship is a time-consuming endeavor. It's easy to unintentionally lose touch, even when we neither mean to nor want to -- too easy to stay in our own little ruts doing the same things with the same people, forgetting to reach out to those whose lives are running parallel to our own. I'm grateful to those who are better at initiation than I am, often extending an invitation just when I need it the most -- sometimes even before I know I need it.

The Gospel reading yesterday was -- fittingly enough -- that of the Good Samaritan, and Father Dennis talked about the difference between being "nice" and being "loving." In short, being loving means going the extra mile, doing -- as the good Samaritan did -- more than others would routinely do. Being the one to reach out.

I'm grateful to those who continue to reach out to me -- those whose greetings routinely remain as enthusiastic now as they did at good-bye. As I approach my second year of retirement, it's time for me to work harder at being a good Samaritan -- time to look for opportunities to be the one to reach out, instead of staying in my rut, waiting for someone else to extend the invitation. Time to nurture old friendships while exploring new ones.

I will miss Father Dennis greatly, but I know I will think of him every time I hear the story of the Good Samaritan.
Photo: www.sjy.org

Wednesday, May 22, 2013

Quacking Ducks and Leaps of Faith

I used to think that I needed to finish every book I started reading, as though I'd entered into an unspoken contract with an author I didn't know to follow the work through to the end, even if I discovered somewhere along that way that it didn't get better as I hoped it would somewhere around chapter 3. I don't remember which book it was that relieved me of that burden, but I suspect that it was not the one I was reading, but rather one that was waiting in the to-be read pile, calling my name, promising to intrigue me more than the book I was holding.

I used to think that retirement didn't come until a person was in their sixties, unless that person had worked at something dangerous like police work or firefighting or the military, or something that required a level of physical prowess only young people possessed. Entering a profession that most people left after 35 years or so, regardless of their age, disabused me of that notion as I watched my colleagues retire while they were still vibrant and ready to leap into all retirement had to offer. And when I saw one woman wait just a little bit too long, only to have her husband pass away before they could live out any of their plans, the notion of working until the bitter end began to have new meaning.

I used to think that I'd work at my job as a school counselor for those 35 years or so, retiring at a ripe old age after decades of entertaining and educating kids and their families. But somewhere along the line, I became a mom, and the job changed, and the I used to thinks about balancing work and home shifted in such a way that I developed a longing to stay home with my daughter that I never thought I'd have.

I used to think that the pain of good-bye would last, remaining interminably painful - an ache that never fully subsided. But eventually I realized that to say hello to something new, we have to say good-bye to something old, and that the things we take with us from our hellos and good-byes shape the person we become, and that the truly valuable things stay with us beyond comings and goings.

I used to think - not all that long ago, in fact - that taking a leap of faith that went against all the rules and that might not come equipped with a net was foolish at best and certainly irresponsible when one had a family and obligations. And then I discovered the root of the expression leap of faith, put my quacking ducks in an unruly row and trusted that faith would handle the rest.

I used to think that rules were a good thing - a thing that kept life orderly and predictable and safe - and I still do. But I've also discovered that guidelines work better than hard-and-fast rules and that calculated risks are risks worth taking. Playing it safe keeps us in one place, treading water; taking a risk allows us to swim toward the horizon. We can plan these journeys to a certain extent, but at some point in the trip, we have to take a leap of faith.

And with faith, all things are possible.