 Episode 6 of Resources for a Modern Retirement breaks down the 9 keys to true wealth and planning for your future self.Where do you want to be in ten years? In today's podcast, join Eric J. Weigel and me, as we navigate how to plan for your future self. Retirement is about more than just money, as Eric identifies in his book, Reimaging Retirement - 9 Keys to True Wealth. Learn about the 9 keys to true wealth and focusing on all areas of your life that are important to you! About Our Episode Guest
0 Comments
 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? 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: MENTALSet 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: SOCIALMake 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: SPIRITUALThis 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  Episode 5 of Resources for a Modern Retirement focuses on getting creative in retirement and finding new passions.How are you going to spend your newfound free time in retirement? Today’s podcast introduces you to Jerry Park, who I think you will find to be an absolute inspiration. Jerry suggests:
About Our Episode Guest   I don’t often talk like that. In fact, I find that I will go out of my way not to say it or even hint at it. But now since Tom Brady is back, I will state it in capital letters: I Told You So! Let me explain. If you will recall, in one of my recent blogs, I talked about trying to find a substitute for the word ‘Retirement.’ I do feel replacing (or enhancing) the word is important because the connotation is just dripping with... "it’s over! you’re a has been! you are outa here! and you have become a 'usta be!’ " Tom Brady felt it, I’m sure. After all, when he decided to quit playing football, here is how he announced it: “I am not going to make that competitive commitment anymore.” Rather fancy, huh? Kind of a dancing around the situation, right? He could not bring himself to say, “The Big R” word, so he just used some other pretty words instead. But the meaning was there: I am retiring and “imagining the possibilities.” … at least for a little while. "Acting Before Thinking is Regret"Here we are two months later, and I’m sure you heard the news: Tom Brady said Sunday he is returning to the Tampa Bay Buccaneers for his 23rd season in the NFL. The seven-time Super Bowl champion announced his decision on Twitter and Instagram, saying he has unfinished business. Uh, yeah. ‘Unfinished business.’ Ok, now maybe you will try to tell me he was made an offer he couldn’t refuse. Money? Really? Tom Brady would be swayed by the money? I doubt it.  Instead, he found himself in the position that I have warned you against - namely, regretting the decision soon after leaving work and then wasting time trying to figure it all out. It can be nice during that honeymoon phase of the first few months, having no schedule or responsibility. But it’s when you start longing for connection, searching for identity and finding your purpose that the questioning and doubting begin. The TakeawayUnless you are forced out, do not leave your work until you have some idea about how and with whom you will spend your time. It is so important to get involved in some interesting, satisfying, and challenging activities OUTSIDE OF WORK many years before you plan on reaching ‘The Big R.’ Which brings me to another of my blogs: Please go back and reread my two previous blogs through the links above. Be smart, and don’t be like Tom Brady. (Has anyone ever said that before?) Contact a Retirement Coach today (maybe me?) and imagine the possibilities! Enough said, except ... I TOLD YOU SO! Loretta
P.S. If anyone out there knows Tom, please send him my contact information. I’ll be glad to help him figure things out.  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? |
 | “Since he’d already mapped out his plan, when he was needed he rushed to the phone booth, took off his shirt and glasses, and he became SUPERMAN!!” She was wondering if I was serious, so I continued, |
“Here’s another example - suppose you decide to get fit and enter a half marathon. You wouldn’t just get up that morning, put on a good pair of running shoes and join the race - hoping to get to the finish line, right?! You’d map out a training program to make sure you were prepared to succeed.”
She wiped some coffee from her chin and laughed out loud. “Ok, but what about other people’s reactions? I just saw Susan, and she was complaining that her neighbors think since she is around all the time, she can watch for their deliveries!” She paused, “And her kids think she is a full-time babysitter; they assume she’s always available.”
She wiped some coffee from her chin and laughed out loud. “Ok, but what about other people’s reactions? I just saw Susan, and she was complaining that her neighbors think since she is around all the time, she can watch for their deliveries!” She paused, “And her kids think she is a full-time babysitter; they assume she’s always available.”
Today, more than 50% of retirees are working
part-time and others are volunteering or
busy learning something new.
I smiled and shook my head. “Stop worrying about other people! The fact is that it’s smart to approach retirement with a plan and an attitude of adventure and creativity.
Today, more than 50% of retirees are working part-time and others are volunteering or busy learning something new. It does not have to be solitude and loneliness!
“So,” Emily said. “What now? It’s obvious we need to do something about that word!” I smiled. “Well, you’re right and people have made lots of suggestions. But the Big-R word has been around a long time. Instead, I say we keep the word ‘Retirement’ and just add a tag line:
Today, more than 50% of retirees are working part-time and others are volunteering or busy learning something new. It does not have to be solitude and loneliness!
“So,” Emily said. “What now? It’s obvious we need to do something about that word!” I smiled. “Well, you’re right and people have made lots of suggestions. But the Big-R word has been around a long time. Instead, I say we keep the word ‘Retirement’ and just add a tag line:
So YOU GO, TOM BRADY! And when interviewed next time, just smile and say
"Imagine the Possibilities!"
"Imagine the Possibilities!"
Loretta
*Voldemort, also known as 'The Dark Lord' in the Harry Potter series, was so evil that even his name was not to be spoken.
*Oxford Languages is the world’s leading dictionary publisher, with over 150 years of experience creating and delivering authoritative dictionaries globally in more than 50 languages.
*Oxford Languages is the world’s leading dictionary publisher, with over 150 years of experience creating and delivering authoritative dictionaries globally in more than 50 languages.
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 [email protected] Olli (Osher Lifelong Learing Institute) |
Despite the availability and access to the Covid-19 vaccine, there is still a lot of stress circulating around Halloween this year. We all didn't imagine we'd still be feeling this way a year later, but here we are! So, I wanted to reshare last year's Halloween post, which still resonates.
~~
Lately, I've gotten 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:
~~
Lately, I've gotten 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:
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.
“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.
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?”
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.
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.
“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.
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.
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!”
As the door shut, I heard Casper shout:
“That was amazing! Ok, everybody, MASKS ON – Let’s have a Group Hug!”
~ HAPPY HALLOWEEN
-Loretta
*Warning*
This blog may offend you. In it I speak to you straight,
no beating around the bush.
Yes, I’ve got a second secret. Remember when I told you that one of the first secrets of dealing with adjusting to changes in life - including enjoying a successful retirement - is having a positive attitude? Well, that is absolutely right. (If you slept through that lesson, go back and read it again.)
But there is more. Regardless of how old you are, I’m pretty sure you do not want to face years of waking up wondering what you can do today and why you should do it. I’m pretty sure your goals do not include lack of curiosity and years of watching others enjoy their days feeling full of purpose, while you sit in front of the TV. If I’m wrong, skip this blog and check today’s tv guide.
That said, here is my second secret:
That said, here is my second secret:
Learn How To Use Technology!
Yes, you read that correctly. It won’t help for you to whine or squirm or say things like, “I’m too old” “It’s too hard” “Leave me alone.” In fact, you won’t even have to say the “Leave me alone” part because that train will have already left the station.
Plainly speaking, if you don't attempt to learn the basics of using the computer and your smart phone, you will be left out...
... of both the virtual world and increasingly many IRL "in real life" events as well. I'm talking about activities such as booking and confirming appointments and events with friends, doctors, restaurants / listening to music and watching TV and movies / communicating with the world outside your home.
There, I’ve said it. So put on your big boy/girl pants and get ready to learn.
... of both the virtual world and increasingly many IRL "in real life" events as well. I'm talking about activities such as booking and confirming appointments and events with friends, doctors, restaurants / listening to music and watching TV and movies / communicating with the world outside your home.
There, I’ve said it. So put on your big boy/girl pants and get ready to learn.
Let's Start By Asking the Right Questions
1. WHO?
Who needs to learn and Who can teach
WHO needs to learn? You do! Yes, you - along with anyone else who feels like they don't have a good basic grasp of current smart phone and internet technology or who simply does not want to be left out.
Who can teach? The first people I recommend for you to turn to is your family -
If those come up empty, try friends and neighbors or a volunteer organization. You may have to pay some of these people but trust me, it will be worth it. Maybe you can barter - bake/consult/garden, or offer a skill in which you excel.
The point is don’t be shy or try to overthink it. Just do it.
Who can teach? The first people I recommend for you to turn to is your family -
- Significant Other
- Kids/Grandkids
- Aunts
- Uncles
- Cousins
- Results of ancestry.com
If those come up empty, try friends and neighbors or a volunteer organization. You may have to pay some of these people but trust me, it will be worth it. Maybe you can barter - bake/consult/garden, or offer a skill in which you excel.
The point is don’t be shy or try to overthink it. Just do it.
2. WHAT?
What technology should you master first?
- The basics of the computer hardware – keyboard/screen/mouse/video camera or touchpad/power, printer, etc.
- Then, basic usage of those devices: accessing and searching the internet/reading and writing emails/ joining a Zoom meeting / accessing news or entertainment, etc.
- I am assuming you already have some sort of phone to stay in touch. Ask for lessons on how to use it beyond dialing a number, including text and instant messaging. That is how much of the world communicates now.
My purpose is not to scold or belittle. My purpose is to get you in touch with what is out there today – sort of like my podcast, RESOURCES FOR A MODERN RETIREMENT – to help you help yourself enjoy every day to its fullest.
3. WHERE?
Where should I learn?
Wherever it is easiest for you. If you don’t have a computer, ask the person who will teach you if you can work on theirs. If you can afford it, then purchase a computer (desktop or laptop), tablet, smartphone, or other electronic device. If someone who cares about your future would like to buy you a gift, put it on the list. In the meantime, practice your lessons by going to the library or borrowing a device.
4. WHEN?
When is the right time to start learning?
Now. Today. Get Started.
5. WHY?
Why do I need to learn this stuff now?
I don't even need or want a device.
I don't even need or want a device.
You need to learn this so you won’t be left behind. The reality is that the world is now more digital than not. Most individuals and businesses communicate via text message and/or email. Want to find a phone number or address? ... it's online. Can't find the manual for your vacuum? ... it's online. Need to access your banking information without going to the bank? ... it's online. Want to watch a movie? ... it's online. Especially in the age of Covid, everything you need can be accessed virtually, if you know how.
and
6. HOW?
How do I find the information I need to learn?
There are lots of ways for you to learn. If you already know how to get online to the internet, YouTube is a great resource for "how-tos". If you aren't comfortable yet searching online, take a trip to your local library or bookstore. Ask for the "Dummies" series of books on digital literacy. The National Institute on Aging has some helpful glossaries of computer and internet terms. Go ahead, try those.
If you are the one doing the teaching, here is a great guide to help teach tech to seniors.
If you are the one doing the teaching, here is a great guide to help teach tech to seniors.
I won’t give you homework like finding friends from high school or using Google Earth to walk down your street. (But you've got to admit those sound kind of interesting!)
Yes,I do understand that things like passwords and email addresses and saving documents and pictures can be frustrating and challenging, but getting comfortable with these technologies will lessen frustration and open a new world for you and a way to explore your curiosity and create new goals.
Go ahead – you have a new goal now. Have fun!
You're welcome,
Loretta
Yes,I do understand that things like passwords and email addresses and saving documents and pictures can be frustrating and challenging, but getting comfortable with these technologies will lessen frustration and open a new world for you and a way to explore your curiosity and create new goals.
Go ahead – you have a new goal now. Have fun!
You're welcome,
Loretta
Episode 3 focuses on the types of questions you should be asking when choosing a financial advisor.
Maybe you don’t have a financial advisor yet. Maybe you’ve often wondered what questions to ask when talking about planning for Retirement. Do you know what fiduciary means? Should you have long-term care insurance? Join Carolyn Fleury, Wealth Management Specialist at Merrill Lynch, and me as we address eight important topics you do not want to overlook.
About our Episode Guest
 | Carolyn Fleury |
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.
Categories
All
Children
Couples
Decision Making
Grandparenting
Holiday Tips
"Let's Talk Retirement"
Life Strategies
Make Happy A Habit
Modern Retirement
Parenting
Personal Empowerment
Retirement
Social Distancing
Technology
Videos
Zoom
Archives
March 2025
October 2024
July 2024
June 2024
March 2024
November 2023
July 2023
June 2023
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
RSS Feed
