Here’s the quote most often heard from people discussing plans for retirement: "One of the main things I plan to do when I retire is TRAVEL." If you have followed me long enough or simply know me well, you are familiar with the four areas of non-financial retirement I discuss, preach, talk about, and emphasize that are necessary to prepare for retirement: mental, physical, social, and spiritual. Today I’m writing this column while traveling abroad, and I dedicate it to all of you who are saying, "One of the main things I plan to do |
| (This scene is real, from Como, Italy, 2023.) |  |
(This really happened to me.) Seven minutes later, the station is in sight. But so are the three flights of steps to get to the station! If you are in shape, this Sisyphusian* challenge for you and your new four-wheeled friend that now includes several treasured souvenirs might just be manageable. Make sure you are physically fit!
Those are four very good reasons that I always ask you about physical fitness as you prepare for retirement. Travel is exciting, educational, interesting, and fun. It may be harder today, but when you are physically fit, you will be better prepared to handle ‘stuff’ that can happen. I wish everyone a fun summer full of friends, family, adventure and very few travel challenges.
BON VOYAGE!
Loretta
*In Greek mythology Zeus punished Sisyphus by forcing him to roll a boulder up a hill for eternity.
P.S. I’d love to hear your travel stories and how glad you were to have physically prepared for the challenges and the fun.
Tell me: loretta@coachingwithloretta.com
*In Greek mythology Zeus punished Sisyphus by forcing him to roll a boulder up a hill for eternity.
P.S. I’d love to hear your travel stories and how glad you were to have physically prepared for the challenges and the fun.
Tell me: loretta@coachingwithloretta.com
1 Comment
I’ve always said that in life one thing we can surely count on is change. Sometimes we can plan for it and sometimes it is thrust upon us. Sometimes we’ve grown older and wiser, and sometimes we’ve simply become bored. Consider:
RELATIONSHIPS, COLLEGE, MARRIAGE, PARENTING, EMPTY NESTERS, CHANGING JOBS, RETIREMENT!
When facing a change, we often say, “Well, it’s a transition. Change offers challenges, adventure, and an opportunity to grow.” All that is true, but the words ‘change’ and ‘transition’ have two different meanings. Here’s the difference:
- Change refers to the need to move away from the way things used to be to the way they are now.
- Transition is the psychological process we go through to adapt to the change.
To quote the author William Bridges, “Without transition, change is just a rearrangement of the furniture.”
Think about that for a moment. Now, think about how it relates to Retirement. Transition requires a psychological process to have a successful change.
There are three stages to TRANSITION:
Stage 1: Accepting the Ending – Long Goodbye
Ok, so you have left work. You must accept the fact that your days will be different. You will no longer have the structure, calendar and organization you had before. Where you spend your day, and who you will be with will change.
Ok, so you have left work. You must accept the fact that your days will be different. You will no longer have the structure, calendar and organization you had before. Where you spend your day, and who you will be with will change.
Stage 2: Living in the Neutral Zone – Messy Middle
Yes, you read that correctly. Accepting a Messy Middle is an important mindset to
have. Realizing that things really are different and that it will take time to figure out what you really want and how you will find your purpose to feel satisfied can be a bit uncomfortable (and messy) in the short term.
Yes, you read that correctly. Accepting a Messy Middle is an important mindset to
have. Realizing that things really are different and that it will take time to figure out what you really want and how you will find your purpose to feel satisfied can be a bit uncomfortable (and messy) in the short term.
Stage 3: Reaching Your New Beginning
Take a victory lap! You have figured it out, so find comfort in this new beginning. You also can relax because you realize that you can tweak it along the way as you experience the many new adventures you have been curious about.
Take a victory lap! You have figured it out, so find comfort in this new beginning. You also can relax because you realize that you can tweak it along the way as you experience the many new adventures you have been curious about.
Those are the facts. If you jump from Stage 1 directly to Stage 3, you may find yourself very unhappy. Spend some time in Stage 2 (the Messy Middle) so you can really enjoy that victory lap!
I leave you with the words of Dr. Seuss:
Let me know if you need a little help.
Loretta
Loretta
Well, I knew it was bound to happen. The combined stress caused by the perfect storm of Halloween and COVID -19 together has brought a lot of requests for my services as a Life/Retirement/Transition Coach. This time, I immediately thought the answer was group coaching.
Normally, I don’t share information about clients, but in order to help you understand that we need to reach out and help each other, I have obtained releases from anyone involved in this note.
Last week I held a group session with five attendees. Each had their own issues, and each was truly concerned. I’m sure you will recognize them:
Normally, I don’t share information about clients, but in order to help you understand that we need to reach out and help each other, I have obtained releases from anyone involved in this note.
Last week I held a group session with five attendees. Each had their own issues, and each was truly concerned. I’m sure you will recognize them:
Wanda, the Witch
Cornelia, the Candy Corn
Casper, the Friendly Ghost
Terry, the Tarantula
Peter, the Pumpkin
Cornelia, the Candy Corn
Casper, the Friendly Ghost
Terry, the Tarantula
Peter, the Pumpkin
I asked each in turn “What is going on?” and here are their answers:
 | Wanda: “It’s becoming more and more common. You’ve seen it, and you’ve probably even laughed at it. Well, last week it happened to me.” |
SLAM! There I was, face flat into the tree
I gave her a questioning look.
“I was on my broom and one of my earbuds fell out. I had to look down to retrieve it - and SLAM! There I was, face flat into the tree. I heard people laughing! Why didn’t my radar warn me about the tree? Am I getting too old? Should I retire?”
Cornelia: She spoke softly and made eye contact with each member of the group.
“Look, as early as the 1880s I became popular. My three colorful layers are attractive, and I’m small and easy to eat.”
She teared up.
“Look, as early as the 1880s I became popular. My three colorful layers are attractive, and I’m small and easy to eat.”
She teared up.
Ok, Ok, I guess I should just retire - right?
“At least I WAS easy to eat. I’m the most fun to eat by the handful! And, I mean, really, with COVID-19 people don’t want to eat anything by the handful!”
She started to sob.
“I’m fat free and keep in the refrigerator for up to 9 months, but nobody really wants me now... Ok, Ok, I guess I should just retire – right?”
She started to sob.
“I’m fat free and keep in the refrigerator for up to 9 months, but nobody really wants me now... Ok, Ok, I guess I should just retire – right?”
Casper was next.
Casper: "Yeah, it’s not rocket science. You all know me – you know me by my full name, ‘Casper the Friendly Ghost.'"
He started to smile a little, and then the smile faded.
Casper: "Yeah, it’s not rocket science. You all know me – you know me by my full name, ‘Casper the Friendly Ghost.'"
He started to smile a little, and then the smile faded.
“That’s right; I’m a non-conformist. I’d rather make friends than scare people. I know I’m different from the rest of the haunt team, but it is who I am. I like people; I’ve made friends before. I don’t like scaring them.”
Wanda started to snicker.
“Whoever heard of a friendly ghost?” she muttered. I had to shhh! her.
“And now there is COVID-19,” Casper continued. “People can’t even be with their regular friends, so you can bet no one wants to talk to a friendly ghost! What should I do? I have a lot of years ahead of me!”
Then it was Terry’s turn.
Terry: “Ha – you think you guys have issues? You think you don’t know what to do ‘next’? When I was a little tiny tarantula, my Mama told me I was cute. Then I left the nest, and it all ended.”
He looked around, daring people to challenge him.
He looked around, daring people to challenge him.
“I remember the first time I became aware of Halloween! Look around, guys! Do you notice how many phony spiders people put out – on the lawn/on the bushes/crawling up the front of the house! THEY ARE ALL TARANTULAS! What do you think this does to my self-image?”
Everyone got quiet.
“I know, I crawl; I have long hairy legs, and I have eight eyes. But I’m harmless to people! If I bite, it’s no worse than a bee sting – okay? Look it up! So, what’s a young guy like me to do with a reputation like that?”
Wanda started muttering again. “Maybe you remind people of the COVID virus,” she whispered.
I talked over her. “Ok, Peter, it’s your turn.”
Everyone got quiet.
“I know, I crawl; I have long hairy legs, and I have eight eyes. But I’m harmless to people! If I bite, it’s no worse than a bee sting – okay? Look it up! So, what’s a young guy like me to do with a reputation like that?”
Wanda started muttering again. “Maybe you remind people of the COVID virus,” she whispered.
I talked over her. “Ok, Peter, it’s your turn.”
"Let's face it, the pumpkin is the
symbol for both Fall and Halloween"
Peter: “Well, in comparison, maybe my problem is not so bad. I mean, let’s face it, the pumpkin is the symbol for both Fall and Halloween."
“I know, I’ve been pretty lucky over the years - always the one up front – inside and outside – enjoying the popularity and fun.
His voice softened.
“But then, enter plastic and inflatables. Enter strange colors and shapes. How can I keep up with those inexpensive, use year-to-year decorations? Even on the flavor side – so many cheaper, easy-to-use imitations! In chips/pancake mix/coffee – even donuts!
People are pumpkin crazy, but they are not using the real thing!”
He looked up at me and sighed.
“And now COVID-19. There used to be pumpkin carving parties. Now no one is gathering groups together to sit close and carve. I may be able to hold out for a few more years, but I need a plan, a new direction. Should I retire?”
I let the air settle for a few minutes. Group sessions are not easy. A person (or a pumpkin) can listen and feel their issue is not so bad, or the participant can take on everyone’s problems and go away feeling worse.
I decided there was only one answer and it applied to the whole group.
“I think,” (I said carefully)
“The answer for all of you is the same:
1. Decide what you really want.
2. Think of ways to reidentify yourself.
3. Find a new path to reach your goal. "
“The answer for all of you is the same:
1. Decide what you really want.
2. Think of ways to reidentify yourself.
3. Find a new path to reach your goal. "
Ask yourself important questions like:
Wanda – How much of who you are is your broom?
Cornelia – In what other ways can the world use candy corn?
Casper & Terry – Especially during this time of COVID-19, it’s best you stay under the radar. What if you two got together and taught a class about ghosts and spiders on Zoom?
Peter – With a legacy like yours, why not share your life story with the rest of the world? Who do you know that can help with the writing?
Cornelia – In what other ways can the world use candy corn?
Casper & Terry – Especially during this time of COVID-19, it’s best you stay under the radar. What if you two got together and taught a class about ghosts and spiders on Zoom?
Peter – With a legacy like yours, why not share your life story with the rest of the world? Who do you know that can help with the writing?
A person (or a pumpkin) can listen and feel their issue is not so bad, or the participant can take on everyone’s problems and go away feeling worse.
Before I left the room, I looked around and smiled. “Of course, If you want to talk more about planning for the days and years ahead, give me a call!”
As the door shut, I heard Casper shout:
“That was amazing! Ok, everybody, MASKS ON – Let’s have a Group Hug!”
~ HAPPY HALLOWEEN ~
-Loretta
While traveling recently, I was introduced to someone from Brazil. When I told him I was a Life Coach with a specialty in Retirement, he was intrigued. The conversation went something like this:
He: Interesting. I recently watched a documentary about retirement in the U.S. If you don’t mind, I have a question.
Me: Sure, go ahead and ask.
He: Well, one thing really surprised me. Is it true when a person retires in the U.S., they are assigned a LEGAL GUARDIAN?
Me: Sure, go ahead and ask.
He: Well, one thing really surprised me. Is it true when a person retires in the U.S., they are assigned a LEGAL GUARDIAN?
A Legal Guardian at Retirement? No!
Needless to say, I was surprised. Perhaps the film dealt with financial planning or offered other suggestions for protecting one’s assets during retirement. Somehow, he had come away with a very strange conclusion.
Note: Many people in the U.S. take legal steps to assign Power of Attorney to a family member or trusted friend as part of their Estate Planning. This gives that person the legal authority to care for the personal and property interests of someone who has become physically or mentally impaired.
A legal guardian is similar in nature, but the guardian is assigned through an extensive court proceeding rather than through the wishes of the individual. Obviously, neither is an automatic factor of retirement.
Guard Against the Dark Side
What I did not share with him - and what I really don’t like to linger on here because our focus in these pages is the power of positivity – is the fact that after retiring some people do experience the dark side of retirement. Simply put, the dark side of retirement has to do with feeling lost, useless, depressed, and simply without validation. Sitting in the house all day with little to do is very boring and lonely; the spiraling down can even lead to exploring the liquor cabinet.
For some, the lack of purpose that comes with retirement is very hard and finding the positive can be difficult and they can no longer handle their own affairs. If you or anyone you know is experiencing depression or having trouble shifting a negative mindset, I encourage reaching out to a good therapist or consulting with your primary care physician. There is help!
Focus on the Bright Side
Happily, what most people can look forward to is the bright side of retirement!
And, indeed, there is a bright side – time to do the things you really enjoy, opportunities for creative and exciting adventures, satisfaction of embracing the new and nurturing the tried and true. It involves PLANNING, and there are a few simple things you can do now to make YOUR future look bright.
Step One: PHYSICAL
Start now to build an exercise routine. This does not require a gym membership or a Lulu Lemon outfit. If you are new at it, start with 10 minutes and watch yourself build up to 30.
Step Two: MENTAL
Set your mind to being more positive every day. Make things happen. What are you are really good at and enjoy doing? Spend a little time starting up again. (Photography? Learning a language? Volunteer?)
Step Three: SOCIAL
Make sure your friends and social connections are not all associated with your work. You’ll have new friends thanks to step two! And…, get rid of negativity. If relationships are hard to break, try to interact less often.
Step Four: SPIRITUAL
This is not an edict for religion. Instead find time to bring significance to your daily routine. How can you contribute? How can you feel satisfied? Oh yes, and perform a random act of kindness every day.
That’s it. I’ve tried to make it short and sweet. Whether you are following these suggestions yourself or if you are a Power of Attorney or a Legal Guardian trying to help the person in your care, working through these four steps is bound to lead to positive and impactful benefits in the years ahead.
Loretta
Loretta
I recently worked with an executive who was thinking about retirement. In one of our initial sessions, I asked him about his hobbies.
“HOBBIES? HOBBIES?
Loretta, do you really think I have time for HOBBIES?!” he ranted.
Rather than wait for him to work out why I was asking, I quickly changed the wording. “OK,” I said. “Let’s try it this way: What are you good at and enjoy doing such that you completely lose track of time?”
This made him pause. He knew he was good at a lot of things, but it had been so long since he had done many of them that he wasn’t sure he still could. He began to realize that he had been so steeped in his work and glued to his schedule that he rarely did what he liked to do. And…, if he took time for himself, he felt selfish!
Call them HOBBIES or PASSIONS or even INTERESTS, making time in your life for things you enjoy - whether you are 25 or 65 - is important.
It’s important for your emotional wellbeing; it’s important for your mental stimulation and…IT’S REALLY IMPORTANT FOR RETIREMENT.
Retirement can be lonely. Sure, you can find yourself newly retired and then decide to ‘do what I want to do when I want to do it!’ Your search may take a little longer and be a lot more difficult than if you had started years ago, but yes, you can begin after the Retirement Party.
If, on the other hand, you have already been involved in a few activities you enjoy before you retire, you have a head start on interacting with people who share your interests. Let me remind you, the feeling of belonging is one of our basic human needs. Yes, right up there with food and shelter.
When a person stops working, that sense of belonging, of being ‘included’ or identified as part of a team/company/title can slip away. Some people feel like outsiders in their own life. That’s why it is important – starting today - to make time for the things you really enjoy doing.
If you still need more convincing to get started now, here are three reasons that are backed by science:
1 - BETTER WORK PERFORMANCE
A study in the Journal of Occupational and Organizational Psychology finds marked differences between those who engage in hobbies and those who do not. This includes a better attitude at work and more creativity on projects.
2 - IMPROVED PHYSICAL AND MENTAL HEALTH
A study of enjoyable leisure activities measured by Pittsburgh Enjoyable Activities Test (PEAT) shows “Higher PEAT scores were associated with lower blood pressure, total cortisol, waist circumference, and body mass index, and perceptions of better physical function.
3 - REDUCED STRESS
A study by Matthew Zawadzki, a health psychologist at the University of California, shows that leisure activity can provide immediate stress relief, which has been shown to have both health and psychological benefits, like improved focus, happiness and a longer life.
…and who wouldn’t be impressed by those reasons!
So, get started. Explore how to get involved in activities you’ve put aside or always wanted to learn more about. You will make new friends (outside of work), enjoy sharing an interest, and have fun being around others who like to do what you do. And Happy Retirement, whenever that is!
-Loretta
P.S. In case you missed it, recently the Mars Wrigley Corporation (owner of M&Ms) made some changes you can read about here. They decided their multicolored mascots were not reaching all of society in their ads. A change was necessary “to create a world where everyone feels they belong."
P.S. In case you missed it, recently the Mars Wrigley Corporation (owner of M&Ms) made some changes you can read about here. They decided their multicolored mascots were not reaching all of society in their ads. A change was necessary “to create a world where everyone feels they belong."
Photo from Today.com
Start planning for retirement NOW to avoid finding yourself spending your days at home in front of the TV - with a bowl of M&Ms!
Episode 4 focuses on being a lifelong learner.
What if I told you that you can take noncredit courses on university campuses with no assignments or grades?
In my conversation with retired Vanderbilt University Professor Dr. Ed Friedman, we talk about resources for retirees who love learning. Whether you want to be the student or the teacher, the Osher Lifelong Learning Institute (OLLI) offers intellectually stimulating ways to fill your days in retirement as well as a chance to meet people with similar interests.
In my conversation with retired Vanderbilt University Professor Dr. Ed Friedman, we talk about resources for retirees who love learning. Whether you want to be the student or the teacher, the Osher Lifelong Learning Institute (OLLI) offers intellectually stimulating ways to fill your days in retirement as well as a chance to meet people with similar interests.
About our Episode Guest
 | Edward H. Friedman Retired Vanderbilt University Professor & Osher Life Long Learning Program teacher edward.h.friedman@vanderbilt.edu Olli (Osher Lifelong Learing Institute) |
Author
Loretta Saff, M.A., CPC, CPRC
As an active writer, both nationally and internationally, Loretta Saff's humor columns, blog, and lifestyle articles reflect an insight in dealing with situations that helps people get to their core issues and encourage confidence, trust and support.
Archives
March 2023
December 2022
November 2022
October 2022
September 2022
July 2022
May 2022
March 2022
February 2022
January 2022
December 2021
October 2021
September 2021
July 2021
June 2021
April 2021
March 2021
February 2021
January 2021
September 2020
July 2020
June 2020
April 2020
January 2020
December 2019
October 2019
July 2019
March 2019
February 2019
January 2019
September 2018
August 2018
March 2018
February 2016
Categories
All
Children
Couples
Decision Making
Grandparenting
Holiday Tips
Let's Talk Retirement
Life Strategies
Make Happy A Habit
Parenting
Personal Empowerment
Resources For A Modern Retirement
Retirement
Social Distancing
Technology
Videos
Zoom
RSS Feed
