Category Archives: Baby Boomers

Tips for Future Retirees

Happy Sunday, Voyagers!  Do you remember back a couple of months ago I asked you to ponder the following question?

What is the one piece of advice
you wish someone had given you
prior to your retirement?

Our retirement blogger community rose to the occasion and provided me with a wealth of suggestions.  Happily for me, I have been asked once again to guest post for Donna over at Retirement Reflections.  So I figured this was perfect opportunity to share the list I (um…..you all) put together.  So hop on over to Retirement Reflections and take a peek!  I’m excited to see what you think!  You’re the experts!

Lynn

Kauai – 8 Great Things to See and Do

Hubs and I just returned from eight days on the lovely island of Kauai, Hawaii.  Our visit towards the end of February gave us temperatures in the mid-70’s with a couple of warm, rainy days.  Kauai is known as the “garden island,” so travelers should be prepared for a little rain.

First, just for fun…It was pointed out to me that the east side of Kauai, when viewed from above, looks a bit like Chewbacca!

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Now on to the important stuff.  We stayed up on the north shore, in a condo (VRBO) in Princeville.  While there, be sure to visit:

The Kilauea Lighthouse

This landmark represents the northernmost point of the main Hawaiian Islands.  The unbelievable turquoise waters below the lighthouse point are worth the trip.

 

 

 

The Dolphin Restaurant, Fish Market and Sushi Lounge

Before I went to Kauai, I wasn’t a big fan of fish.  Well, if there is any place on earth to change that opinion, it was at the Dolphin.  The Dolphin boasts the freshest fish in Hawaii, and the servers were well versed in the characteristics of each type of fish.  These folks are also pros at impeccable preparation.  The Dolphin operates on a first come, first served basis, but there is a lovely garden where you can enjoy a cocktail and appetizers.  The menu has non-fish entrees, but trust me…try the fish!

Dolphin restaurant interior

 

Sunshine Helicopters

If you are staying on the north side of the Island, Sunshine Helicopters offers tours which take off from the Princeville airport.  Of all the places to take a helicopter tour, Kauai is the place.  Because much of this rugged island is inaccessible by road, a helicopter tour gives a unique perspective, along with fun narration from the pilot.

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Waimea Canyon by helicopter

A word of caution:  We allowed the concierge at the resort to book our flight, and found out upon returning that we’d have saved $200 had we booked it online ourselves.  (But wait…we’d have saved $190.00 if we’d attended the Wyndham timeshare spiel….hmm – learn from our mistake!)

Blue Dolphin Kauai Snorkel Tour

We took a tour over to the Na Pali coast on the island, via Blue Dolphin Tours.  Not only was the coast absolutely stunning, but the captain and crew aboard this large catamaran were over the top hospitable, offering breakfast, juices, sodas, lunch, and after snorkeling, the bar opened.  A wonderful day!

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Poipu, Koloa and the Spouting Horn

Be certain to follow highway 520 to the southernmost part of island. En route, you will pass through the Tree Tunnel, made of eucalyptus trees.  Old Koloa Town, the island’s first sugar plantation town, is charming and worth the stop.  Continuing on to Po’ipu, you will find Po’pu Beach Park and Brennecke’s Beach Broiler.  Enjoy one of the best Mai Tais ever built and some ridiculously yummy food!

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The Spouting Horn Beach Park is worth a visit.  The horn is made from a lava shelf, where water from waves is forced through an opening, squirting water out a blowhole.  This particular blowhole is different from others, because air rushes through another hole, making a moaning sound.  Some say it’s a dragon…

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What Kauai trip would be complete without a beautiful, beach sunset.  The stunning Kekaha Beach Park is part of a 15 mile stretch of white sand beach.  While this is not a beach for swimming because it is unprotected from the ocean and has strong rip-tides, it is a lovely spot for sunbathing or beach combing – or in our case, watching the sunset:

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We’re home now, and our Kauai trip did just what was intended.  Get us out of the snowy north until spring was at least visible.  My forsythia is starting to bloom outside my window.  Guess it worked.

Lynn

Retired Spring Break is Better

A couple of years ago, I read a very endearing blog post written by Lauren over at The Stuff of Life Blog.  It seems that Lauren found herself traveling with her son to Miami for spring break!

First off, she gets some seeerioouuusss cool mom points, especially since she footed the bill.  And secondly, she got me thinking about why I was glad not to be my former, younger, wild thing self of (eh-hem…) just a few short years ago.

These days, the Encore Voyage definitely does not include spring break antics.  Here are a few reasons:

1. We don’t need to escape – Our daily life is pretty damn sweet!  Back in the day, we would count the days until we could ditch college and get some relief somewhere…anywhere!  Now, there’s just not that much to run from.

2. Sleeping in is no longer our priority – God knows I never thought anyone would hear me say this…I have become a lark.  This from a perpetual night owl!  I worked my way through college as a bartender – staying up half the night was part of the routine.  Spring break was when we dreamed of sleeping until noon.  But now – wait for it – I love the sunrise!  I believe this is because we are no longer exhausted as we were during our working careers.  Weird, I know, but true!

3. We don’t need to use spring break to catch up (on studies or other chores) – Remember when you would use spring break to start reading that 50,000 pages that you had put off reading?  Or would count on having the time finally to start that term paper? For us, those things that need to be done have either already been done, or they’ll keep until tomorrow…or next week.

4. The party of a few hundred thousand can go on without us – Spring break evokes pictures of beaches full of wall to wall young sweaty bodies.  Not my idea of a good time anymore.  Does it say something about us that on our recent cruise, there were few people younger than about 25?  And that we planned it that way?  I don’t think we’re old fuddy-duddies, but we sure as heck plan our springtime travels for the times when the little revelers will be safely back in their academic constraints!

5. We know our limits –  Ahhhh, that dancin’, loud music, beach filled, booze fest attended by thousands of our new best friends.  Back then we could hardly wait.  Older – wiser – I can’t remember the last time I puked on my shoes!  Perhaps it’s because we can now afford better cocktails and good wines?  Or maybe we just grew up enough to know that needing to shave your tongue or hold your eyelids open with toothpicks is not a great feeling…

6. THEY come to US – I don’t know about the rest of you, but when I was in college, I couldn’t wait to go HOME for spring break.  Most years I was out the door and headed for good old mom and dad’s!  Laundry in tow and expecting a paid for, home cooked meal was about the best thing ever.  We don’t have kids, but my friends tell me that one of the perks of retirement is getting to spend time with children and grandchildren on their spring breaks – On your own terms!

7. No more bikinis! – Lauren truthfully points out that it is difficult to walk around all day with your stomach tucked in, but that if she had to, she could – She just doesn’t need to anymore!!! I couldn’t have said it better myself!

So how about it, fellow Voyagers?  Got any other reasons why retired spring break is better for you?  I’d love to hear!

Lynn

Encore Quote ~ You Worried Too Much

If you read my post earlier in the week, you’ll know that this is one of the things I wish I’d learned much earlier in my life.  So many of the things I’ve learned since we started the voyage include slowing down, being present, reducing stress, breathing.  The quality of our lives has improved so much that we often think, “Why didn’t we know this before!?!

So how about it, fellow Voyagers.  Are you stressing over things that in the end won’t really matter?  Are there things you can eliminate?  Ways you can slow down?

I wish you a peaceful and worry free weekend!

Lynn

If We’d Only Known Then…

Last night we were at dinner at a local chain restaurant and overheard (um…eavesdropped upon) some young people discussing their desires for the future, and about how it would be so difficult to obtain those desires.

We’ve been journeying on the Encore Voyage for over six years now, and so many times have found ourselves saying

“If only we’d have known then what we know now!”

Not that we’ve got this retirement gig completely figured out, but there are so many things we’ve learned since we retired that would have made our pre-retirement lives so much richer!  Here are my top ten:

  1. Practice mindfulness – We both rushed through 30+ year careers, and while we’ve had a lot of fun times, I wish now that I’d paid more attention. I wish I’d have spent more time breathing deeply and relishing those special moments.  We never get them again.
  2. Become an Automatic Millionaire – This book, by David Bach, is a game changer. The takeaway is simple.  Use an automatic, direct deposit of some amount of money to an investment account WITH EVERY PAYCHECK.  Pay yourself first.  Use the power of compound interest to make you wealthy.  For those who believe they don’t make enough money to save – baloney.  You will never miss it, and believe me, you’ll just buy one or two fewer beverages at Starbucks.
  3. Pay attention to how much junk you’re accumulating – We have neighbors whose garages are stuffed full! My brother-in-law spent half a year going through a deceased parent’s lifetime accumulations!  All those things you are buying or saving now may end up in boxes in the future.  Do you really need them?
  4. Life is about collecting experiences, not stuff – See number 3 above, then mentally calculate the monetary value of the “stuff” you’ve accumulated. Now translate that value into how many plane tickets you could have bought! How many hours of your life did it take you to earn that “thing?” What experiences could you have had, given that same amount of cash?
  5. Take care of your relationships – It is the people in your life who make you whole – Not the work you do, the house you live in or the car you drive. At the end of the day, the people are the ONLY ones who will matter.
  6. Learn to say NO – During my working career I filled every minute of every day. I wish now that I had understood the value of not being so busy.  I wish I had learned to spend my time on what is important, rather than on what was urgent.
  7. Quit responding to negativity – It has taken me many years to learn to turn off the news; to stop allowing negative media, social or otherwise, to infiltrate my life; to stop listening to the negative blather of people judging others. It may seem a bit Pollyanna, but the same is true on a more personal level.  Do you engage only with people who lift you up, or do you spend time with those who bring you down.  Are you a positive influence in the lives of others?  The less you engage in negativity, the more peaceful your life becomes.
  8. Pay attention to your passions – What are the activities you truly love? Are there things you always wish you could do; things you’ve always wanted to try? What gives you a warm glow inside? It’s good to know what will bring you joy when that time comes when career is no longer the priority.
  9. You are responsible for your own happiness. Miserable people focus on the things they hate about their lives. Happy people focus on the things they love about their lives. The choice is a conscious one.  The power of gratitude is very real. I have realized now as I look back that I spent a great deal of time worrying about things that didn’t really matter.
  10. Character counts – Tell one lie and all your truths become questionable.  Do something that is ethically or morally questionable and people will forever question your motives.  At the end of the day, your character truly is your honor.  Take care of it and it will serve you well into your retirement years.

This is a short list of ideas we wish we had known.  I’m sure my fellow Voyagers could add plenty more.  I’ll be interested to hear.

Lynn

Overcoming the Guilt of Being Retired – 6 Ideas for Letting it Go

Retirement Guilt

Recently, I’ve been experiencing some “down time” on the voyage.  My side hustle gigs have slowed down considerably, I didn’t get a contract that I desperately wanted, and I find myself with an abundance of TIME on my hands.

Most people would say, “Isn’t that what retirement is supposed to be about?”  Having nothing but time to do what you want?

Now that I find myself in that situation, a new monster has reared its ugly head – GUILT!  There is a nagging voice in my head that I should be doing something more “productive.”  Somehow, sitting reading a book in the middle of the day could be considered lazy.  How can I work on a quilt in the middle of the afternoon when I should be “working!”

I  have been working hard to fight off those nagging “shoulds!”  I should be doing the laundry.  I should be cleaning something.  I should be doing almost anything that would be considered worthwhile around the house, rather than what I WANT to do.

And just to pile on a little bit, there are always those pre-retired friends, who feel the need to express, “You’re sooooooo lucky to be retired!  Some of us don’t get to sleep in late.”

So what’s a Voyager to do?

Setting Ourselves Free

Recognize that you are deserving of your good fortune.  You’ve worked hard for many years and have made prudent financial decisions which allowed you to retire.  There is no need to apologize for those decisions.  Embrace your well-earned life style.  It’s quite OK to get some rest after 30+ years of racing with the rats! When someone says, “You’re so lucky,” just smile and agree with them!

Change your definition of productivity – When you were employed by someone else, you were paid to produce some type of product.  In my case it was well-taught little people.  Now I am my own “employer,” and I get to decide what the “product” is.  Perhaps it’s a clean house, or a weeded flower bed, or a well written article. Or as my own boss, I can tell myself to “take the day off!”

Volunteer:  Share your time, talents and treasures with others.  If you must combat the guilt of being somehow better off than other people, perhaps you could share your good fortune by giving of your time.  Pick any group which appeals to your heart, and it is not difficult to find an abundance of volunteer opportunities!

Embrace being unbusy.  It takes a little bit of study and practice to intentionally decide that it is OK not to go full-steam ahead all the time.  After all, we burned the candle at both ends for an entire working career.  For me, the practice of yoga helped with the first steps.  And Josh Becker’s post at Becoming Minimalist makes note of some practical advice.  It is important to let go of activities that don’t suit you.  It is not necessary to have a jam-packed calendar.  Set it Free. “Take time to let your soul breathe!” (His quote, not mine!)

Identify your own values – For Jeremy and I, it was a conversation over a glass of wine – “Now that we are retired, what is it that we truly value?”  Of course, many of our lifelong values have remained steadfast, and a few have been adjusted or added as we refined the list.  It’s not an easy conversation, and calls for some introspection over time.  But once identified, I found it freeing to compare what I was doing with whether or not it aligned with our values.  For example, we have determined that we value “Personal growth – creating, learning, exploring.”  Creating a new quilt clearly fits, and becomes even more valuable in that light.  Pat Doyle over at Retirement Transitions recently wrote about the stages of adult development.  Ownership of your own values is an important part of stage 4.  Go check out Pat’s post.

Plan something each day to bring you joy.  It started as sort of a New Year’s Resolution.  In my journal each morning, I plan something for the day that will bring joy.  Such a simple suggestion, and the effects have been so positive.  It seems that joy and guilt are sort of mutually exclusive.  Planning a joyful activity gives legitimacy to the pursuit and puts it high on my ‘To-Do list.

Recognize that this is not a dress rehearsal.  None of us know how long the Encore Voyage will last.  Don’t wait.  If there is something you want to do, it might be best to do it soon!  Be spontaneous!  Those other “should do’s” will still be there later!

So how about it Voyagers.  Do you endure feelings of guilt because you no longer trudge off to a nine-to-five job?  I’d love it if you’d share your thoughts and experiences!

Lynn

 

 

6 Things to See in Phoenix / Scottsdale

Do you know how you tell the tourists from the locals in the Phoenix/Scottsdale area at this time of year?  The locals are the ones who are all bundled up!  Yep, that’s what hubs and I found on our trip last week to escape the winter cold of Idaho.  We were basking in the beautiful Arizona sunshine, with temps in the mid 70’s.  The locals wore long sleeves and sweaters!

It was a short, four-day trip, but we had done our research and enjoyed some of the best the area has to offer:

1) The Phoenix Art Museum

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Our first major stop was the Phoenix Art Museum.  Our Christmas gift to each other was a membership to NARM (The North American Reciprocal Museum Association).  This membership not only gives us entry into our own Boise Art Museum, but also 973 other member institutions around North America.  The museum did not disappoint.  In particular, the museum houses some outstanding contemporary pieces – some of our favorites thus far!

 

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Mass (Colder, Darker Matter) by Cornelia Parker

Proposing that matter is never truly destroyed, but merely transformed, this piece is made from the charred remains of a Texas Baptist Church that was struck by lightning.

2) Roosevelt Row

The Roosevelt Row Artists District is a continually evolving funky area of Phoenix, infused with artist studios, public art, murals, street art, events, and locally owned businesses.

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3) Durant’s

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Durant’s Steakhouse on Central Ave. is a Phoenix icon not to be missed.  A long-time hotspot for Phoenix movers and shakers, Durant’s was opened by “Jack” Durant in 1950.  Regulars know to enter through the back door to get an insider’s view of the kitchen operation. You then move into the dining area, where you will find the signature red -flocked wallpaper design and red Naugahyde booths chosen by Durant himself.

 

Jack Durant’s motto was: “Good friends, great steaks and the best booze are the necessities of life.”  And holy cow – that was the best steak ever!

4) McCormick – Stillman Railroad Park

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If you are a train affectionado, McCormick – Stillman Railroad Park is a great place to spend the morning.  Full-sized engines, Pullman cars, a carousel and scale trains for kids of all sizes make this rail museum a family friendly destination.  But the part we most enjoyed was the 10,000 square foot building dedicated to model railroad layouts in all scales.  Not only did this fire up Jeremy’s motivation for his own railroad, but I’m pretty sure that in the end, it’s going to cost us some money!

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5) Old Town Scottsdale

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The original Scottsdale townsite is a collection of art galleries, small specialty retail shops, dining venues, museums and cultural attractions.  It is entirely walkable, or a free trolley makes a continuous loop to make sightseeing simple.  You can find all the information you need at a display staffed by Scottsdale Ambassadors at the corner of Main Street and Brown Avenue.

6) The Scottsdale Artwalk

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If you can arrange your schedule to do so, you will want to be in Old Town Scottsdale any Thursday evening from 6:00 – 9:00 PM.  During those hours, the galleries along Main Street and Marshall Way invite you to enjoy a 40-year tradition of strolling and enjoying Old Town’s lively art scene.  Often, artists themselves are in the galleries, and the street musicians, good food and drink, and festive atmosphere make this a must-do event.

We barely scratched the surface of all the things to do in the Phoenix/Scottsdale area.  What we did learn from the trip is that it is easy to understand why the “snowbirds” head to this fabulous state.  I know we will certainly return!

Lynn