A few years ago, I was talking to a gentleman about a pre-retirement course for himself and his wife. During our last conversation, I answered all his outstanding questions and left him to make the online course booking - which I fully expected him to do. After a few days, when the booking still wasn't forthcoming, I assumed that he'd just changed his mind about the course - which was, of course, his prerogative.
About a month later, however, I received an email from the man, apologising for not making the booking and explaining the reason why - his wife had passed away, suddenly and unexpectedly. She'd fallen downstairs on her way to the bathroom during the TV ad break, hitting her head and sustaining fatal injuries.
The couple had been weeks away from retirement and, just like that, all the plans they'd made were in ruins.
Many things have the potential to derail a retirement:
- a downturn in the economy
- the collapse of a company or corporate financial misdeeds
- ill health or a life-changing accident
- an unexpected redundancy forcing someone to retire before they're financially ready or
- divorce or the unexpected ending of a relationship.
If you've experienced your own derailment, retirement can start to look like a scary and unfathomable place, rather than the warm, chilled out, opportunity-filled future you had planned.
Eventually, like the gentleman who lost his wife, you will have to pick up the pieces and move on, through grief, to a different kind of retirement. One that you've adapted to your changed circumstances. After the immediate devastation and debilitation turns into raw grief and pain, however, you might find that mindfulness - or living in the moment - might help you get through each day.
When you're living in the moment, your focus is on that moment only. The past and the future can't touch you.
It can be a difficult task to put your feelings about the past or future aside. It's like when someone says, "Don't think of a pink elephant!" Did you think of one, just now?
Well, your grief is sometimes that pink elephant and it seems like there's nowhere to turn. In this situation, you can look for help from present moment thinking.
Remaining in the present takes practice. While you're learning how to live in the moment, remember that it gets easier as time goes on.
You can work on controlling your thoughts, but one practice that's all about staying in the present moment is meditation. This simple exercise can also help you get through your grief.
Here are some meditation tips:
Make a meditation schedule - 30 minutes per day every day.
Go to a place where you can relax and be alone.
Sit in a position with good posture.
Take deep breaths in and out.
You can use a "mantra" or positive affirmation to help you focus.
When thoughts arise, acknowledge them, and then let them go.
The most difficult thing you might encounter when learning to meditate is calming your busy mind. Focusing on your breathing helps clear away extraneous thoughts and worries.
When you're grief stricken, it's an especially difficult time to keep a clear mind. Thoughts of the past will more than likely keep coming up in your practice. This is normal. As you continue practicing, it will get easier to focus on the now.
An important thing to remember is to avoid judging yourself. Don't punish yourself for thinking of the past when you're trying not to think about it. Realize that your mind is taking a turn you didn't intend, and then lightly nudge it back in the right direction. Be grateful that you were able to catch yourself in the midst of a negative thought, and then move on.
Keeping Up Your Practice
Once you've adopted a philosophy of present moment thinking, concentrate on keeping up with your practice. Rather than a mechanism you turn to only when you're in a pinch, consistent present moment thinking can bring you comfort on an ongoing basis
Moment By Moment
As your practice deepens, you'll fully realize that life is just a series of moments. It's not a definable measure of time, but you'll feel many moments in every minute. Little by little, you'll learn to recognize them.
You may find it difficult to remain in the present just because you must refer to the past and plan for the future in order to live. This is true, of course, but once the reflection is over, and the planning is put away, your goal is to remain in the moment as much as possible.
Refer to the past when you must, but avoid re-immersing yourself in the grief or daydreaming about what things could have been like.
Plan for the future, but don't obsess over it.
Simply look at what you're experiencing right now and immerse yourself in it.
When your mind is completely focused on the present moment, you'll be able to keep going, one foot in front of the other, until you feel ready to face the future again.
Is your retirement in the doldrums? Do you sometimes wish you'd never retired at all and feel that your life has taken a downward turn since the day you left your job? Do you wish you could start your retirement over again - and make a better job of it this time?
Sometimes, you've been looking forward to retirement for so long, that you blow it. Completely.
Let me explain.
When you looked ahead to your retirement, you saw the opportunity to chill out, spending leisurely mornings with coffee and the paper bed and, finally, doing only the things you really wanted to do (after a lifetime of doing what your bosses wanted you to do).
So, when retirement arrived, you did just that. You chilled, you read the paper and you watched a lot of TV (or played a lot of golf). And, even though a niggling voice somewhere inside yourself was telling you that there must be more to retirement than this, you ignored it in favour of 'just a few more days of relaxation'. Which was followed by 'just a few more days...' until, before you knew it, a couple of years had passed, you'd piled on the pounds from all that sitting around, lost contact with 90% of the people you knew and your world had shrunk to the size of your living room.
Okay, so you’ve thrown your hands up in the air and declared that something must change. You’re ready for a fresh start. While your current situation may be challenging, the intention of making a fresh start is a good sign. It’s much better than giving up and resigning yourself to watching daytime TV for the rest of your life!
What do you need to change? Is it just one area of your life or do you need a complete makeover?
Home. Consider giving your living arrangements a makeover. You could move to a new home or change your existing home. Move the furniture or purchase new stuff. Paint the walls a new colour. Convert a spare room into a room with a purpose. It could be dedicated to music, arts and crafts, or meditation.
Finances. Create a budget. Get a retirement job. Talk to a financial advisor. Start an online business. Address your debt. Start offering a service that people need. Look at your current financial challenges and finally address them with a detailed, step-by-step plan you can stick to.
Social life. It’s time to say goodbye to the people in your life that drag you down and replace them with those that provide a boost to your life. Meet some new friends and try a few new social activities. Work on your dating skills and catch the partner of your dreams.
Health and body. Hire a personal trainer or join a gym. Find a diet that works for you. Address any health issues you might have. Visit the doctor and the dentist. Try a new sport. Just get out and move your body!
Belief structure. Investigate a new religion or philosophy. Learn how to meditate. Question your beliefs and find a purpose. Read a good book each month and apply what you learn.
These are just a few ideas. You can also address your current relationships, attitude, or fears. It isn’t necessary to change everything at once. In fact, addressing one area at a time will yield better results.
Useful tips for changing your life:
Develop systems that support your desired change. For instance, if you want to meditate daily, create a schedule that ensures you’ll be compliant. Use a timer so you won’t worry about spending too much time or falling asleep.
Visualize the change. See yourself with a healthy body or bank account. Allow yourself to feel successful and proud. Project yourself into the future and enjoy the changes you’ve made.
Be willing to fail from time to time. It’s not easy to change. In fact, your brain is highly resistant to change. You’re doing well enough to be alive, and that’s good enough for your brain. It views any change as potentially dangerous, so it’s not going to allow you to change easily. Expect that you’ll struggle during the process.
Commit to persevering. Make sure that you succeed.
Be kind to yourself. Celebrate each victory, no matter how small. Give yourself a pat on the back when you deserve it. Any progress is great news, so enjoy it.
The decision to make a fresh start can be daunting - especially when we're not as young as we used to be. If you're not happy with the way things are, it's never too late to try something different. Before you do anything irreversible, however, just give careful thought to the changes you want to make. It’s a mistake to believe that any change is a good change. There are many changes you could experience that are worse than your current situation. Make conscious decisions rather than clinging to the first log that floats by.
Making a fresh start can result in a new and exciting experience. Aim high and be diligent. You’ll be glad you did.
Do you realize how much you can improve your outlook on life by simply being grateful? This is what is called an “attitude of gratitude.” If you cultivate an “attitude of gratitude” you’ll actually bring even more joys into your life like a fulfilling retirement, better health, and stronger relationships.
An attitude of gratitude is truly a magnet for prosperity and success. After all, much of life is about your attitude and your outlook on things. It’s been said that optimists may be wrong and pessimists may be right about some things, but optimists enjoy the ride. Which are you?
If you transform your attitude you can change your entire universe. And yes, you really can change in your attitude by showing appreciation a little more often.
Be Thankful for What You Do Have
Many people, maybe even the majority of us, believe their lives are boring or meaningless. Isn’t that awful? Often, we see little to be thankful for because we’re always thinking about the things we wish they had. We may live in a comfortable home in a nice neighborhood and we may have plenty of food on the table, but we just don’t see the joys in the everyday.
We often take the little things for granted. Are you one of these people? If so, it’s okay! There’s plenty of hope and there are plenty of things for you to be thankful for.
There are so many joys in your life right now that you’re likely overlooking. For example, by reading this article you have obviously awoken for another day. Isn’t the fact that you are still alive something to be thankful for? After all, a cancer survivor, sure won’t take life for granted anymore!
Here’s something to think about:
Did the sun rise today? If so, be thankful for the gift of light and warmth.
Did you have chores to do today? If so, be thankful for the opportunity to make life better for you and your family.
Did you eat a nourishing meal today? If so, be thankful for the gift of food.
Even the smallest things in your life are reasons to celebrate! As we all know, “things could be worse” which is all the more reason to have an attitude of gratitude!
Lots of Gratitude = Positive Attitude
It’s a fact: those who are grateful are more uplifting and positive. By having a positive attitude, you’ll not only feel better, but it's highly likely that you’ll also enjoy better physical health because our body, mind, and spirit are so heavily inter-connected. Now, that’s something to be thankful for, isn’t it?
As mentioned earlier, by having a positive attitude, you’ll be a magnet for positive relationships. You’ll attract like-minded, go-getters who will not only inspire you, but push you further. After all, like attracts like, which is all the more reason to be positive!
Now ask yourself: What do I have to be thankful for today? Spend a few moments showing your appreciation to your loved ones, friends, or any random strangers you meet.
If you can't wait for retirement and you've already started checking off the days on your calendar, you may be surprised to find that, once you retire, there are some things you might miss about work.
1. You might miss the challenge of the work you used to do. Well, you probably won't miss the stress that used to accompany the challenge, but the feelings associated with being challenged - feeling stretched, the pressure to come up with solutions to a problem and the satisfaction of overcoming the odds when you succeed.
2. Many retirees miss the daily banter that is part and parcel of being at work - the jokes, the witty repartee, the sarcastic quips and the camaraderie.
3. Retirees who had fairly eventful jobs have reported that they miss the drama associated with being at work - and that even though the drama could be stressful, it was never boring.
4. Other retirees have said that, now that they're retired, they long for some responsibility. Even the ones who had found work after retirement tended to be working in part-time jobs that were fairly undemanding. They often found these jobs to be unfulfilling and longed for some responsibility and the satisfaction of having done a good day's work
5. Many retirees report that they miss having some space between them and their partner - this came from both male and female retirees. Females were concerned about husbands getting under their feet. Males were concerned about being at the mercy of their partner's 'just do lists'
What do you think? Have you recently retired and found yourself bumping up against some unexpected feelings and emotions? Do you know someone who retired and found themselves struggling to cope with no longer being in the workplace? What will/did you do to help you get over it?
From Mail Online: Don't dread downsizing - a smaller home makes you feel like newlyweds!
Entrepreneurs aren't limited by age, and you can start a successful business at any stage of your life. However, becoming an entrepreneur later in life has its own unique challenges.
Consider these tips for starting a business as a senior:
1. Avoid allowing others to limit your goals. As you get older, you may have more people in your life who try to persuade you away from the entrepreneur lifestyle.
* Your family and friends may have good intentions, but they can also limit your dreams.
* They may remind you that it's more difficult to start a new business as you get older because you have other responsibilities. Children, aging parents, and others can take up a lot of your time and present challenges when starting a business. However, knowing that these challenges exist can also help you make contingency plans for when time is tight.
2. Ignore your age. Dreams don't have expiration dates, and entrepreneurs don't have age limits. As they say, "you're only as old as you feel." So if you feel like taking on the rigors of starting a new business, let your age be the last thing on your mind as you move forward with your business plans.
3. Be open to learning from others. The most successful entrepreneurs are open to learning new ideas.
3. Be open to learning from others. The most successful entrepreneurs are open to learning new ideas.
* Stay up to date on new advancements in your field, either by keeping in the loop yourself or by hiring employees or contractors that incorporate this into their tasks.
* Finding a mentor with successful business experience in your field can help your new business see profits quickly and plan for successful growth.
4. Get your family involved. Successful entrepreneurs often have their family members involved in the business.
* Do your children want to help you build a business? Does your spouse have interesting ideas and want to collaborate with you? Your family can help you make your dream come true.
5. Consider the impact of the business on your personal life. If you're still working, how will the business affect your family and ability to continue working your regular day job?
* A new business venture may be exciting, but it has consequences.
* It's important to consider the full impact of the new business on your personal life. Will you be able to spend time with your children and spouse as you launch the business?
* Your personal finances are another area that can be deeply affected by a new business. How do you plan to pay for the business? If your plan involves draining personal finances or getting new loans, then this can affect your entire family. It's important to discuss the changes with them before you take action.
6. Consider the impact of your parents on the business. As your parents age, they may become dependent on you. Can you handle the complexities of being an entrepreneur and caring for your parents?
* Younger entrepreneurs may have decades before they have to worry about caring for their aging parents. However, as an older entrepreneur, you don't have this luxury.
* You may have to handle multiple roles at the same time. How will you balance your lifestyle and finances to manage everything? Can you afford to start a new business if your parents need your help?
* Your parents can have a serious accident or health issue that makes you responsible for taking care of them. The expense of this situation can be detrimental to your efforts with your new business.
You can become a successful entrepreneur and build a strong business at any age. However, it's important to stay aware of the challenges that come with being an entrepreneur and make plans that will help you overcome these challenges.
Check out our Boomers Starting Businesses blog for more ideas and information about starting a business in your retirement...