Category Archives: Our Encore Career

I Forgot to be Retired!

Late in March, Tanya, over at Our Next Life ran a couple of posts about using the term “retirement” honestly.  If you continue to make some money on the side, through blogging or other means, are you truly “retired?”  Tanya makes some good points about being honest with young people, who may get the impression that if they just save, they can retire early and presto…everything will be both hunky and dory!

As I mentioned in a post long ago, I had friends who told me, “You didn’t retire…you just quit.” , So when we met with our financial adviser last month, I asked her if she considered us retired, even though we continue to make some money.  Here’s what she said:

If you don’t NEED to make money…If you can live comfortably on your retirement income (pensions) and investments,
then YES…YOU ARE RETIRED!

She went on to say that if we continue to pursue other activities which we enjoy, and by chance make a little cash on the side, well, that’s just the icing on the cake.  We can pick and choose how we spend our time (another element of retirement.)

But here’s the rub…

In my little side hustle, I do some administrative support gigs for a few clients.  Document production, organization management, event coordination – things like that.  They are jobs that I can generally do from anywhere, on my own schedule.

Except that I forgot to pace myself…I kept saying, “Sure, I can help you with that!”  And before you know it, I was missing from my blog.  For almost a month.  Because I had work to do…..

Almost like a real job!   Ewwwwwwwwww!  Enough of that nonsense.  I’m retired!  Remember?

Lynn

The Best Things About the Voyage!

Good morning!  If you’ve popped over here to check out An Encore Voyage, there’s a really good chance that you were directed here by Donna over at Retirement Reflections!  You see, Donna does a weekly Sunday Guest Post series, and for reasons that completely befuddle the mind, she asked me to participate!  How cool is that!

If this is your first time visiting here, WELCOME!  We are on an Encore Voyage because, after long-time careers, we sort of got thrown into the deep end ———– um…we found ourselves both unemployed!  Or as hubs likes to describe it,

“We were given the opportunity to reinvent ourselves!”

And so we entered the early retirement group – even though we weren’t planning on it!

Since this voyage began, we’ve learned a great deal!

We’ve learned that sometimes being together 24/7 can be a bit of a challenge.  But guess what?  It’s really a lot of fun if you follow some simple advice.

Admittedly, we needed to do some simplifying and minimizing to maintain our lifestyle.  But in the end, it has brought us a clearer focus about what’s really important.

We started up our Encore Career – We didn’t want to be just “finished,” but we didn’t want to start over from scratch either.  So we reinvented ourselves and created a business that we can be passionate about – and we do it from home and on our own schedules!

And we’ve learned that this type of “retirement” is a total blast!  It doesn’t look anything like the things we feared retirement might be.  And there are lots of things that make this encore gig of ours a delightful experience.

One of those is the time I now have to be creative on this blog, and to engage with others in the blogging community.  It’s a little weird that in just a few short months, I have developed on-screen relationships with so many other bloggers.  It’s like we’ve gotten to know each other.  And as I said earlier, one of my very favorite virtual friends is Donna at Retirement Reflections.  Donna is my neighbor to the north – She and her husband are from Vancouver Island, British Columbia…(Lucky ducks!)  Donna is adventuresome, organized, just a tiny bit nerdy like me – and a fabulous writer!  So if you haven’t gotten the chance, be sure to click on over and check her out!  She’s awesome-sauce!

And thanks again, Donna, for inviting me to participate in your Sunday Guest Post series!

Lynn

While We’ve Been Gone – Let’s Catch Up

I’ve spent the last several days reading back blog posts in a reader list that I have lovingly titled “My blogging buds.”  There are lots of you that I have followed since I started this little endeavor, and as I said last week, blogging relationships are very real.  And just like when you haven’t spoken with someone in a while, I’ve learned that there have been some changes in the lives of my blogosphere friends – some good, some heartbreaking.  So I thought I’d take a minute to bring you up to speed on what’s been going on with us in the year I’ve been away from my blog.

The Encore

We’ve created quite a little encore business.  Hubs travels out-of-town for two short trips a month and returns to write related reports.  He’s only away from home for one night in all this.  The beauty of the gig is two-fold:  He earns airline points like a crazy man, and those projects allow us to take on smaller, more rewarding architectural contracts – the kind that make his heart sing.  I’m the administrative support of the operation, and have cultivated some administrative side hustles on my own.

Now we are learning to balance just the right amount of projects to keep our minds active and engaged, while maintaining the spirit of retirement.  It almost got away from us.  But we’re figuring it out.

The Voyages

In the last year, we’ve been fortunate to take some very cool trips, from St. Louis to Seattle to Hawaii.  We’ve also discovered that we love packing a picnic lunch, getting the dog in the back seat of the truck, and taking off to explore the beauty of Idaho.  Hubs loves to wander US Forest Service roads, and our new motto is, “I wonder where that goes!”  I’ll share the voyages in more detail in upcoming posts.  And you know those, “How Many States Have You Visited?” maps that show up on Facebook?  Well, we’ve decided to start over, only counting those states we’ve visited together!  We’ve only been to 16 together ~ we’ve got lots more to experience!

Idaho River

The Nest

Remember when we decided to sell our property, and instead we completed the Retirement Remodel, making our current home function the way we love?  Well, we’re preparing to embark on “Phase 2,” during which we will add an art studio and shop for hubs.  It’s funny, because this morning, as I was reading Pat’s post over at Retirement Transitions, she pointed out that her idea of de-cluttering was quite different from her husband’s.  And while I realize that a shop will only encourage MY hubs to acquire even more “tools,” it is his love of classic cars that wins out.  We’re all about designing a place for him to pursue his passions (both art and cars) from this place where we will spend our retirement years.

Planning

Our wanderlust continues to be strong.  I’m always planning one or two trips in the future.  Remember those mileage points?  Now I’m trying to figure out where we would like to escape, should “Snowmageddon” hit our city again this year as it did last year.  Don’t want to go anywhere too “floody, earthquakey, firey, or hurricaney!”  I’m open to suggestions!

Reading

We are both pretty voracious readers, and I have nearly completed my Good Reads Challenge of 40 books this year.  I particularly enjoyed:

Hey, I’ve got a good idea – why don’t you find me over on Good Reads (Lynn Jeffers) and then I can see what you’re reading! (Don’t be alarmed by the shorter, straightened hair…it was a moment!)

Creating

I have undertaken a rather huge quilting project.  A teacher friend had the parts and pieces of a Grandmother’s Flower Garden quilt, which had been started by her grandmother as a wedding gift.  Unfortunately, her grandmother passed away before it was completed.  My friend asked for my help.  So I am currently hand piecing and hand quilting fabrics from this 1930’s quilt.  Her grandma pieced and quilted everything by hand.  To do less would fail to honor the quilt…

The Ordinary

As fall is upon us, I find that I’m in a bit of a “cocooning” spirit.  I’ve been canning peaches and pears, and will work on applesauce over the weekend – I love the smell of cinnamon and cloves in the house.  The Roxy girl continues to delight us, even if she is occasionally naughty.

Cute Roxy

We are thankful everyday that we have the opportunity to share this voyage.  So that’s about it…we’re sort of caught up.  And now my mind is reeling with future posts and additional goodies to share.  Stay tuned!

Lynn

 

How Much is Enough? 8 Things We’ve Learned

When we first found ourselves both unemployed seven years ago, my younger sister posed a very simple yet important question:

How much do you really need?

At first, it calmed our fears.  We had saved up plenty to survive while we decided our next steps.  But more importantly, it started us on a journey to sort of pseudo-minimalism.  We lightened our load, examined our stuff, started conversations about our values, and took a hard look at what is really important to us.  We started designing our lives on this Encore Voyage with much more intention.

Examining ‘Enough’

In the early days, hubs would spend sleepless nights trying to answer the question, “Am I doing the right things?”  “Am I taking the right jobs?”  Am I taking all the steps I need for us to be successful.”  At first, those were questions born of fear and uncertainty.

The same questions are true for anyone entering retirement.  Have we saved enough?  Are we prepared both financially and emotionally?  Do we need to do more? Are we ready to take the leap?

Well, it’s taken us a few years, but we have finally learned to stop and take some very deep breaths.  And we’ve learned some things about “Enough.”

  1. We do not need to fill every hour of every day.  Down time is now cherished! We are mindful about doing “enough.”
  2. We do not need to exist on the 8 to 5 schedule of the working world.  It’s OK for us to skip out in the middle of the afternoon or to work on a weekend. We get to decide what to make of the day, and no longer feel guilty for not doing “enough.”
  3. We don’t need to buy much more “stuff.”  We want the items we own to be useful, meaningful or beautiful.  Generally speaking, we own “enough.”
  4. Taking time in the middle of the afternoon to read a book or pursue a hobby is quite OK.  You can never have “enough” curiosity or interests.
  5. We travel lightly.  I’ve studied up on many travel blogs, and it really is quite possible to go anywhere in a 22 inch carry-on and a backpack. Just “enough” is waaayyyy better when traveling than too much!
  6. Keeping up with the Joneses is stupid.  They are broke!  Our “enough” is not for anyone else to judge.
  7. You can never have “enough” meaningful relationships.  They are far more important than the things you own!
  8. There will NEVER be “enough” time for us to love each other and be together.  We need to take advantage of every moment we’re given in this life.

So how about it…What’s “enough” for you?  Any important things I’ve left off the list?  I’d love to hear your thoughts!

~ Lynn

 

 

Photo credit: Patrick Fore ~ Unsplash

An Encore or a Second Act?

As I mentioned in my last post, my absence from the blog has been in part related to the fact that we’ve been CRAZY BUSY with our “Encore Careers.”  He’s an architect, and I do virtual administrative tasks, and we have created our own second act that allows us to work mostly from home.  In the last year we’ve learned some great things in this Encore, along with some not so good…

The Great Things

  1. The world is flat – We can work from anywhere, provided we have a strong cell signal.  I purchased a wi-fi hot spot which lets us connect to people and projects, even if we are in another city or on the top of a mountain.  I have found that I can check email and send a quick response from anywhere.  Often, a client needs to hear, “I’ll have it to you by close of business tomorrow.”  They don’t need to know that I am on the 7th tee box at my favorite golf course!
  2. Starbucks is our conference room – We joke that we have many coffee house conference rooms in and around our city, perfect for meeting with clients.  Or we offer to meet at their offices.  Works perfectly, and I benefit from frequent pumpkin spiced chai teas!
  3. We don’t use an alarm clock – The voyage allows us to set our own schedules.  This is the best!  I never feel exhausted as I did when I was teaching.  We are able to schedule so that our days meet our needs, and we schedule our “down time” with intention.  Oh yeah, and I am always rested now….No seriously, I am!
  4. Togetherness with QUALITY – Back in the days of full time employment for others, we would both drag in at the end of the work day, and it was all either of us could manage to get some type of sustenance prepared for us.  The evenings progressed with me doing school paperwork and him manning the TV flipper, then collapsing into bed.  Now, we plan to do things together, often during the day!  A lunch out, an art museum, a park – whenever WE decide!
  5. Saying “NO” is an option – Because we get to decide what to make of our business, we get to select which projects we will take.  Which leads us to

The Not So Good

  1. We don’t say “No” enough – We have found from the early days of the voyage, we were a bit afraid to turn anyone down.  While we have adequate retirement funds in place, we like not having to draw upon them – and you never know if and when the next job will come along.  We’re more comfortable now, and we are seeking the perfect balance between encore and voyage.
  2. We’re always “at work”  – Even when we’re on that golf course, it’s important for us to care for our clients.  So even if I skip a hole to take care of business, it is that availability that ALLOWS us to make these chosen careers work well.  Being an entrepreneur isn’t a part-time job or a full-time job.  It’s a lifestyle!
  3. It’s easy to over-schedule – Number 1 above has occasionally caused us to pick up too many projects at once, making short-term scheduling difficult.  While we’re pretty good at scheduling our long-term goals, sometimes we let our alligators overload our hummingbirds…
  4. There’s no escape from the office – Our offices are at one end of our home.  We don’t have the luxury of leaving the office to go home.  Sometimes, for good or bad, the settings run into each other.  We are learning to consciously “leave the office” and shut down.

Don’t get me wrong.  We have had more fun since we started this voyage than we ever had in our “pre-retirement” years.  We love that we get to remain mentally engaged, with important work to do, on our own terms and in our own way.  Nearly every day one of us says to the other,

“This is a good gig, scooter!”

And so we we will continue to make adjustments as we journey down this road. Are any of you working any side gigs during your retirement years?  We’d love to hear the things you’ve learned!

Lynn

Encore, Encore, Encore

Hey there, my voyager friends!  I’ll bet many of you thought I had fallen off the planet.  I read somewhere that after one year, 95% of blogs lay fallow on the internet.   It’s been a while since I put up a post, and I have a couple of reasons…erm, excuses.

Seems that for the last few months we’ve been encoring the heck out of this voyage.  Readers of the blog know that I ascribe to learning new things, trying out new skills and creating the life you want to live.  Well, we’ve been doing quite a lot of that lately, and it’s become a bit like having a real job (ewwwww) but with lots of benefits!  We have lots to share about how that’s going.

And as for the voyage part?  We’ve been doing a bunch of voyaging since last we met.  I have lots to catch you all up on.

The bottom line is this.  We’ve learned some new things in this retirement gig that I feel compelled to share.  And more importantly

I’ve missed the relationships I developed
with the readership of
An Encore Voyage!

So, I’m going to make a renewed commitment to An Encore Voyage.  I do not want to become a member of that 95% club!  You’ll be hearing for me as regularly as I possibly can, without succumbing to a bunch of blogger guilt (that’s for a different post!)  I hope you haven’t given up on me completely and will come along for this next act of the Voyage!Lynn

Not Completely Retired? 8 Tips for Working From Home

A couple of weeks ago I wrote about what actually “counts” as being retired. Obviously, times have changed, and “retirement” is looking a great deal different than it did during my parents’ time. In reinventing ourselves on the Voyage, hubs and I decided to start our own business, partly because we wanted the additional income stream, but also because we enjoy the creativity and opportunities we’ve discovered. Hubs will remind you that Frank Lloyd Wright did not actually hit his stride until he was 70 years old!

But we don’t pay for the overhead of an outside office space and instead, we work out of our home. In living and working together 24/7, let’s just say we’ve learned a few things as they relate to working from home. You might find these tips helpful:

1. Keep a workday schedule – If you want to operate a business, you need to treat it as you would a business outside of the home. Hubs gets up every morning, showers and is in his office generally before 7:00 AM. He recognizes that business is taking place out there, even across time zones, and he wants to be at his computer and participating in it!

2. Dress for the job – It’s a mindset. No, really it is. Hubs may start the day in khaki pants and a polo, change into jeans and a t-shirt to mow the lawn later in the day, then change back into “work clothes” when he returns to his office. Now I will admit that I’ve done some paperwork in my jammies, and occasionally I’m barefoot – but as a rule, we respect our business enough to dress the part.

3. Have a “space” dedicated to doing business – Perhaps it’s an office, maybe it’s a desk or even a table in a corner. The point is, it’s a space that is way different than sitting on the couch or recliner. It’s pretty darned easy to get distracted away from the task at hand if that TV flipper is too close! Wherever that space is, it needs to be functional for the demands of the job, with easy access to whatever materials and resources are necessary.

4. Professionalism on the phone is important – This was sort of weird for us at first, as we both use our personal cell phones. Decide, in advance, how you will answer your phone to take business calls or to answer numbers which are unknown. Your business persona is most likely quite different than the way you answer calls from your mom! In some cases, you may want a phone and dedicated line specifically for business. Either way, the current state of cellular technology has convinced us that “the world is flat” and that we can conduct business from nearly anywhere that we have a cell signal!

5. It helps to have a “hotspot.” – We’ve found that having a Wi-Fi hotspot, separate from our phones, has allowed us to have secure internet connection no matter where we travel. When we have traveled out of the country, we have put the hotspot on the international plan with our provider, allowing us to hook up as many as 5 different devices on the road.

6. Be aware of background noise – There is nothing that will make a business seem more questionable than a barking dog or a crying baby in the background! Do you want to do business with someone when you can hear the sounds of “Days of Our Lives” in the background? Didn’t think so…

7. Have a place to meet “clients” – Do you want to have clients come to your home? Early on, we laughed at having “Conference Room East” and “Conference Room West” – coffee shops on both sides of town where we would offer to meet and buy coffee for potential business associates. We also have several professional partners who have offered to let us use their business conference rooms when needed. Some cities have “incubator spaces” where a conference room could be rented on an as-needed basis. Once, when needing to meet with a members of a visiting out of town architectural firm, we had to scramble to find a professional place to meet! It would have been helpful to have a plan up front!

8. Know how to communicate, “I’m Working!” – This has been one of the trickier aspects of the Voyage, and while every instance will be personal, it is fairly universal for those working from home. It is easy for well-intentioned friends and family to believe that you should be able to set business pursuits aside in favor of other activities. “What do you mean you can’t go shopping this afternoon??? Can’t you just do that later?” It can be difficult to explain that while being your own boss does allow for some flexibility, business often must come first!

On the Encore Voyage, we claim to be one-third Frank Lloyd Wright, one-third Warren Buffet, and one-third Jimmy Buffet. We spend quite a bit of time on the Frank Lloyd portion of this gig…it’s not all Jimmy having cheeseburgers in paradise. And while we absolutely love being in charge of every day, stretching our entrepreneurial wings, working from home has been an interesting part of the journey. So how about it…any other tips you’d like to add? I’d love it if you’d share in the comments!

Lynn

Photo credit: Bench Accounting – Unsplash