Tag Archives: Retirement

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

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

 

 

Encore Quotes – The Joy of Life

I truly believe in the motto, “Life is about collecting experiences, not stuff!” We’ve been off in the last couple of weeks collecting our experiences in sunny Arizona. It seems I always try to have our next adventure somewhere in the planning stages. (Next month – Kauai!)

But new experiences don’t necessarily need to come from travel. Sometimes those experiences can be found in our own backyards. There are a million things around here to try! Just this morning I saw a “glass fusion” class advertised on Groupon! Our city has a rich community education program, or perhaps we might just check out the winter landscapes in one of our beautiful parks.

So how about you, fellow voyagers? Where will you locate your next “changing horizon?”

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