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Book:
How to Love Your Retirement: The Guide to the Best of Your Life
Author:
Hundreds Books
Publisher:
Hundreds of Heads Books
Genre:
Books / Home and family
Year:
2010
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Ready or not, here it comes: your retirement years! The third phase in your life.
You can look forward to good and interesting times if youre prepared, and Love Your Retirement is packed with helpful, entertaining stories and lots of real-life advice from hundreds of retirees who are making the most of their golden years.
Love Your Retirement lets readers learn about the NEW retirement: the un-retirement, Protirement, encore experience, from renewment trailblazers. It will introduce the exciting possibilities about how to think about and experience retirement and to hear from hundreds of heads who are doing it in this new and satisfying way.
Stories are:
Inspirational
Funny
Touching
Educational
Among the topics covered:
-How to pick the best time to retire
-Home again: learning to live with your spouse 24/7
-A new life: starting fresh in business, love, and family
-Back to schoolits more than being Old Person On Campus
-Footloose: traveling your days away
-Health: how to stay fit and beat the insurance system
-Grandkids: how to be the best grandparent in the world
-Volunteering and Working: staying busy and productive

Hundreds Books: author's other books

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Table of Contents

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WARNING:

This guide contains differing
opinions. Hundreds of Heads will
not always agree. Advice taken in
combination may cause unwanted
side effects. Use your head when
selecting advice.

INTRODUCTION

What is retirement in the 21st century?

We hear about the longevity revolution all the time: In 1900, the average life expectancy at birth was 47 years; babies born today can expect to live to age 78. Today a man at age 65 can expect to live another 17 years; a woman can expect another 20 years. And if you exercise, remain active and engaged, and dont smoke, living to 100 might be a reality. While these tremendous gains are something we have wanted they come with some challenges. If you think about it, what we have really gained is not more years at the end of our lives, but additional active years in midlife. And knowing how to navigate these new and robust years can be daunting. Fear not: the hundreds of people interviewed in this book share some vital advice for this stage, when work is no longer the primary activity, and a sense of adventure, meaning and purpose takes on an even greater role.

As originally envisioned during the Depression, retirement moved people out of the workforce to make room for younger workers. The question was, what to do with those 10 or so years? Dell Webb and others answered the question with the development of retirement communities based around leisure and made up of people all around the same age. As a result, retirement quickly became synonymous with three primary ideas: playing golf (or something of that sort); taking that vacation youve always dreamed of; and spending time with grandchildren. That was about it.

That model doesnt work anymore. Simply put, we need to retire the word retirement! The new retirement, or pro-tirement, means ending the traditional way we have worked at our full-time jobs and venturing into new ways of using our time. If you think of your life as a portfolio of activities, much like your financial portfolio, consider how you invest your time. Up until now you may have invested the majority of your portfolio into work. With careful retirement planningnot the financial kindyou can reallocate your time spent on activities/relationships that you choose in a way that designs your personal portfolio of meaningful choices. Many people assume that retirement means not doing any work in exchange for compensation. Not so: retirement may mean starting a new home-based business or working part-time; it does not necessarily mean a cessation of work for pay. In fact, given our extended life expectancy, many people need to maintain an income stream in retirement. The difference is really based on the centrality of work in your life.

Retirement is also about purpose, passion and the place where the two intersect. Its about strengthening bonds with friends, family members and those causes that we relate to. Its about a peak quality of life.

Retirement may look like an inspired phase of creativity where you finally take up an instrument, sing in a choir, develop your inner artist, write your memoirwho knows? We do know this: creativity, lifelong learning and engaging in activities and with people who make you smile will increase not only the quantity but also the quality of your years.

Retirement may get you into the best physical shape of your life. Retirees are competing in Senior Olympics, climbing mountains, and generally feeling more engaged and energized than when they were younger. Some are experiencing their most creative and productive years ever.

Retirement also signifies change, and if there is one thing weve learned its that change is never easy. Well introduce you to an effective model for change that will help demystify some of your feelings and move you toward the balance you desire in your life.

Dont expect to know exactly what this stage will look like for you. Experiment. Discover new things by taking a risk and signing up for that class youve always wondered about. Offer your help in an area youd like to learn more about by creating an adult internship. Remember, 60 really is the new 45! In these pages, hundreds of individuals tell us just how they are transforming their retirement phase in new and exciting ways. Experts in critical subject areas offer tips, information and perspective on this Third Stage. Welcome to what will be some of the best years of your life.

BARBARA WAXMAN
Founder, The Odyssey Group

CHAPTER 1

21st-Century Retirement: The Third Stage

One of the most exciting aspects of 21st-century retirement is that todays baby boomers, those born between 1946 and 1964, are in the midst of giving yesterdays retirement a complete overhaul. That isnt surprising when you consider the fact that boomers have influenced our society since birth: The proliferation of suburbia was fed by Americas growing families. In addition to changing societys structure, the boomers effect on civil rights, womens rights, sexual rights and so much more, has created an entirely new way to experience life. In short, boomers have always claimed the freedom to choose their own path. Retirement is no different.

Todays retirees are blazing new trails. Look at colleges bursting with older adults. Look at gyms filled with mid-lifers. Look at organizations (both volunteer and for pay) that are actively recruiting for part-time support. Retirementor better yet, pro-tirementis a time of renewal, growth, meaning and purpose.

How do you know when its time to retire? First, and perhaps most obviously, you must understand your financial needs. Although this is not a financial planning bookthere are plenty of good ones out theresee Chapter 7 for more on this topic. Assuming you are able to transition from your current income to a lesser one or none at all, ask yourself this question: Has work become less of a contribution and a meaningful way to spend your time, or what one client of mine unhappily referred to as having to go to the J-O-B? Of course, no one loves work all of the time, but if there exists a sense of calling to something else or to a constellation of other activities, I suggest you dip a toe in the water and try it out. Retirement need not be an ending, with a gold-watch ceremony, but can be a negotiated withdrawal from a position over time. Experiment with it and own your future.

I HAD BEEN THINKING ABOUT RETIREMENT FOR SOME TIME, but really couldnt make up my mind to quit a job I truly loved. My relationships with my students meant so much to me that I was afraid Id miss them terribly if I retired. I thought about it and prayed about it. Finally, God got tired of listening to me and gave me a shove. I lost my voice; for a teacher, that can be disastrous. I thought I had laryngitis, but found out it was something else and that it wasnt going to clear up on its own. Now, after three years of regular treatment, I have my voice back most of the time. God knew what I needed, even if I didnt.

SUSAN
TAYLOR, TEXAS
YEARS RETIRED: 3

RETIREMENT SOUNDS SO TERMINAL, but its really just the end of one part of life and the beginning of another. Its a transition from part one to part two. Some people do it gradually. When I knew I was going to retire a year ago, I already felt like I was retired, so I was trying out things like playing with investments and hobbies.

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