Tag Archives: advice

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

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

Packing for the Voyage – Our Best Tips

I am a packing BOSS!  Now, I understand that there are about a million and one bloggers who have created packing lists, so I’m not really going to do that.  And right up front, I want to assure you that nobody is paying me anything to write this stuff.  (I haven’t even yet figured out HOW to get anyone to pay me anything for blogging – but that’s another story.)

I did want to share that as hubs and I have been doing more wandering on the Voyage, I have been studying up, and here is one thing I have seen over and over again:

Checked Luggage = Lost Luggage!

Maybe not this time, maybe not next time…but eventually.  And so I have learned how to use packing cubes and envelopes to enable us to travel anywhere for at least 10 days in a 22 inch carry-on suitcase and a backpack.  We’ll be leaving on Monday for Hawaii, and we’ll only be taking carry-on items.

Eagle Creek NYTPhoto Credit:  New York Times

It starts out by using the Eagle Creek Pack-It system.  Again, Eagle Creek has no idea I feel this way.  I wish they did, as I’d be a great sales rep!  Here’s one thing I’ve learned:

Clothing Wrinkles When It Moves

In a suitcase that is.  Eagle Creek Packing Cubes and the Envelope make it easy to compress a whole bunch of clothes into a very small space.  These are the pieces we’ll use.  With the envelope up top, you use a folding board and can compress at least 10 – 16 tops, skirts, dresses, shorts or pants into a six-inch thick bundle (seriously…I’ve done it!) the beautiful thing is, the clothing travels well, with minimal wrinkles.  Each evening, I hang tomorrow’s items, and by morning, they’re perfect.

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The medium packing cubes let me roll knit skirts, pajamas, and palazzo pants into a small compressed bundle.  Swimsuits and all that stuff will go in another cube.  The smallest cubes are perfect for underwear.  There is nothing better than having the hubs know exactly where to find his stuff, with no rooting around in a suitcase!  We use the tiniest cubes for electronic chargers, etc.

Each of us has TSA approved travel kits, which are always packed with the liquids that we need when traveling.  (In between trips, all I do is refill the shampoo bottle!)  It’s pretty much “grab and go.”

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And then there’s this little baby.  I call it my “anything you need kit.”  While I swore that I wouldn’t give you a packing list, you could probably fix your car with less than is in this little pouch.  It holds everything from superglue and Velcro to toothpicks and teabags.  It has a mini-lint roller, band-aids, eye drops, laundry detergent and wet wipes.  And a whole bunch of other tiny, but very useful things! It’s saved us on many occasions.

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How it all fits together is dependent upon whether or not we’re TSA Pre-checked.  Our electronic readers and tablets go in the backpacks so we can access them easily.  I always wear a large scarf or pashmina.  It can serve as a blanket on a cold airplane, can be a swimsuit cover-up, a shawl, or even a throw for a picnic.  (Ummmm….and I always put the heaviest stuff in hub’s backpack.)  There are always quart and gallon sized zip lock bags in my suitcase – perfect if you have a damp swimsuit or need to make an ice pack!  And lastly, copies of all important travel documents and information, including passports, emergency credit card numbers and prescriptions are stored safely in a cloud account (we use One Note) – so that we can access them from any computer.

So that’s how we roll.  Does anybody have any other great tips to share?  I’d love to hear!  And Eagle Creek, if you’re trying to get hold of me in the next couple of weeks, I’ll be on a beach in Hawaii!

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

 

 

Retirement Travel Togetherness – 13 Compromises to Consider!

Hubs and I are getting ready to do some more Voyaging!  Next week, we’ll head to Phoenix, Arizona, escaping what is predicted to be the next wave of snowy weather here in Idaho.

In our years on the Voyage, we’ve learned some things about traveling together.  It hasn’t always come without some tensions and bumps in the road.  But as I’m sure many other retirees can attest, there are compromises which must be made:

Relaxation vs. Adventure – I’m more of an adrenaline junkie.  He’s more of a sip wine and read kind of guy.

Planned out or “Fly by the Seat of Our Pants” – Our compromise is usually a little of each.  I like to do some initial research.  We schedule things only as the events require.  (We’ve been saddened when attractions were closed on the day we wanted to visit.)

On water vs. On land – Some people love cruising.  Others can’t stand the idea of being stuck in the middle of the ocean.  Some crave the beach, others, the mountains.

Fly, drive or travel by other means – My brother-in-law will die before he will board an airplane.  Good to know.

Lots of driving or Little-to-no driving – Depending on the location, sometimes we take our own car, sometimes we rent, sometimes we hire car services, and sometimes it’s Uber or Lyft.  And did I mention that a smaller type RV is in our future?

The question of music – Yes, No and What Type? – In the car, sometimes our music tastes differ.  He likes classical, I prefer contemporary. Our best compromise is mid-seventies rock, turned up loud, with both of us singing at the top of our lungs!  Reliving our college romance!

Where to stay, and how much work that will involve – I’ve heard folks say, “If I have to cook and make my own bed, it’s not a vacation.  Sometimes we choose hotels, sometimes Airbnb , or rental condos, sometimes high-end resorts.

“Sleep in” or “Up and at ’em” – There is nothing more annoying than having someone try to wake you up when you’re on vacation.  Or conversely, there is nothing worse than tapping your toe waiting for someone to get up and ready.

Temperature and weather considerations – It’s amazing how many people responded to my McCall post with comments about how we could just keep our Idaho snow.  But some of us know that the correct clothing and preparedness makes this a winter playground.  Many would disagree.

Amount of down time – This is an important one.  Some people like to go, go, go, while others need or want more frequent breaks, and packing the day full of activities is not so fun.

Airports – When is the “right” time to arrive? – Surprisingly, this can be a point of contention.  While hubs wants to leave absolutely nothing to chance, I’m a bit more of a “what’s the worst thing that can happen?” kind of girl.  Depending on where we’re going and the travel conditions, we negotiate our departure times.

Shopping or No shopping – My advice is to be sensitive.  If your hubs is not a browser, please don’t torture him.  It’s his vacation, too.  As for us, we spend little money acquiring more “stuff,” so it’s not really an issue.  We both like to nose in unique, non-touristy, craftsman type of shops. (We do look for a “not cheesy” Christmas ornament to represent each adventure.)

Different Interests during different trips – We took a trip to the midwest, with the primary purpose of visiting all things Frank Lloyd Wright – including Taliesin in Wisconsin, and the Robie House in Chicago.  Our first visit to the Phoenix/Scottsdale area, over ten years ago, was for all things automotive – The Barrett-Jackson car auction and Bondurant High Performance Driving School for hubs. Our trips to St. Louis and New Orleans were primarily in search of jazz and blues.

In each of the above instances, communication is the key!  It is far better to discuss things before you go, rather than to discover them after you arrive, or, even worse, to brood in silence when you find situations which test your compatibility!

As we return to Scottsdale this time, we’re soaking up warmth and a vibrant art scene enmeshed in Southwest culture.

So how about it, fellow voyagers?  What compromises in travel have you needed to make as you go wandering during retirement?

Lynn

 

Encore Quotes – What Really Matters?

Can you believe we’re heading into Thanksgiving already?  Wasn’t it just summertime about a second ago?  And before we know it, Christmas will have come and gone.  In all the rush, I hope you will take a moment each morning and ask yourself two questions:

What’s really important today?

What’s not so important at all?

I wish you a peaceful weekend, taking the time to enjoy those things that really matter!

Lynn

That’s Outrageous!

I’ve been thinking recently about causes of stress in our lives.  As I’ve said before, this is a pretty good gig!  What could possibly be causing angst?  And then I heard an expression somewhere that resonated with me:

We have become a country addicted to OUTRAGE!

As I started to examine that concept, I can see so many examples of its truth.  Everywhere we look, something in the media, social or otherwise, is just begging us to get riled up.  Remember the days when the paper was delivered in the morning, and the news was on TV at 5:00 and 10:00 pm?  Not much time for anything but reporting real events.  But these days, a 24-hour news cycle, coupled with thousands of different media outlets plying for your attention, has given rise to endless “click bait.”

Now I’m not saying that we should become complacent.  We SHOULD be outraged by some a$$hole who shoots hundreds of people in Las Vegas.  We SHOULD be outraged by an idiot who drives a truck into a crowd of innocent people.

But pictures of fat Trump? or Hillary with an enraged face? or Melania’s high heels? or what this or that celebrity did or did not say?  REALLY?????  Do we need to be outraged at that nonsense?  Reporters on TV are no longer “reporters” – they are “commentators”…and they are banking on their ability to get you hooked.

And maybe this is just a sign that I’m getting old, but don’t they teach how to detect bias in high school English any more? Like:

  • Are there inflammatory words in this headline?
  • Is this trying to sway my opinion or get me to hop on board?
  • Is this intentionally misleading?
  • Is it the intent of the publisher just to sway me to click on the site (and hopefully on advertisers?)
  • Is it their intent to incite or outrage the reader?

 

As I was surfing around, I found this video on YouTube which, while a little old, still rings true:

Outrage

So how’s about everyone just take a big deep breath, be grateful in the moment, and vow to look for happier, compassionate, uplifting events in our world.  OK, I know, that sounded pretty PollyAnna, even to me!  (gag me with a spoon!)

But my point is, we do have some control.  As consumers, we get to decide what ‘news’ to read, what sites to click on.  We have more control than you might imagine.  My friend over at Intrepid Kate has instituted her own Facebook policy.  She will scroll her feed until she comes across negativity.  When that happens, she shuts it down and wanders over to something more fun like Instagram or Pinterest.

As for me, I’ve taken to using the “Unfollow” button on my Facebook feed.  Those friends who insist on posting negativity are getting ‘turned off’ (not Unfriended, mind you – I’m just taking a break from their posts.)

I have successfully reduced my Facebook feed to friends who provide “soul-enhancing relationships,” advertisements, and PUPPIES!  Oh yeah, and goofy videos…

So I would encourage you to reserve your outrage for more than Tarantulas in the Guacamole (watch the video).

Random.Ranting.Over.  Can’t wait to hear your thoughts…

Lynn