RETIREMENT.....it's many Phases & Faces

Making it go as smoothly as possible
Making it go as smoothly as possible

Decision to retire...if not now, when?

Starting off very early on, into the world of making one's mark in the "job" market, may seem like an enormous step, requiring Herculean strength and stamina. It is, in many ways. However, when we've reached the point of looking back, relatively speaking, we may find that was the easiest our career journey would be.

Once we have devoted 30 or 40 years to our livelihood and have reached the end, so to speak, we're face to face with a major life decision. What now?

Another of life's milestones? Yes, absolutely and by no means is retirement a minor step.There are any number of drastic changes about to occur with their corresponding issues and emotions. Just as with any major event in our life, the better prepared we are, the more comfortable the transition. While levels of excitement and anticipation may run high, most of us don't escape a little concern and anxiety. At retirement age and stage, I think we can agree this change is nothing at all like perhaps going off to college or buying our first home. No, this step is quite different in many ways. Moving on.........

Making sound life choices
Making sound life choices

Preparation and Thought Process

While the official age of Retirement is and has been 65, for what seems like forever, individuals everywhere have opted to take flight at various ages. There seems to be a rise in the choice to not retire at all, but continue to show up at the office for as long as health & circumstance will allow. To each, his own.

For the vast majority, from the moment you hold your very first job, in addition to the hundreds of reasons and purposes we trudge onward, we're aware that the ultimate goal is, Retirement.

If you're nearing this huge life change, the first phase has begun for you. While details may be individual and personal, the big picture entails many of the same issues for all of us. In any case, there's an enormous amount of planning to consider.

This planning phase will be as difficult or uncomplicated as one allows it to be. One of the most beneficial places to start is as close to home as possible. The Veteran Retiree is an invaluable source of experience and wisdom. Conveniently, they also happen to have the time and desire to answer all your questions and share their secrets to creating the comfort and satisfaction you've earned.

Sure, there are experts and professionals who do nothing else but assist in retirement planning, particularly in terms of finances. A consultation with one of them, is an absolute must.

I retired young. I hadn't planned it that way, but a family situation with catastrophic illness, altered the usual course of events for me. I was forced to make this decision and although it was a no-brainer to make, needless to say, some fancy footwork and shortcuts were required. I've not regretted this for one moment of the past 10 years.


Dave Ramsey: The Money MAGICIAN

95 degrees in the shade, 400% HUMIDITY!!
95 degrees in the shade, 400% HUMIDITY!!
Oh, how I love my life!
Oh, how I love my life!

Pulling up stakes or staying put?

In our country, Northerners, a.k.a "Snow Birds," head South in droves. There's no secret to this nor explanation necessary. A really common practice for so many, is to acquire property in a southern locale, at some point in mid-life.

This then, becomes their "winter home" and annual vacation spot destination. When it's time to close up shop, they simply transfer their life from North to South.

Then there are those, like myself, who choose to stay right where they are. The list of determining factors for this decision is endless. For me, I not only love my lifelong environment, the thought of leaving family and the dear friends I treasure, is simply out of the question. All the sun and warm climate in the world, wouldn't keep my heart warm.

In the interest of honesty, I should admit that I despise high temperatures and humidity, in the first place.

Sailing solo or with a Ship Mate?

If we're fortunate enough to have reached retirement with our spouse or partner, this presents another aspect to the decision-making. Reaching agreement in choices, here again, is as simple or complex as we make it. It's fairly safe to assume that a long term marriage or relationship has resulted in common goals and dreams of what is desired in a future together.



Relax & Enjoy!  You've earned it!
Relax & Enjoy! You've earned it!
Now I have you all to myself!!  WOOF!!
Now I have you all to myself!! WOOF!!

Celebrate an Ending and a NEW Beginning

The LAST Days at our place of employment can be a mixture of excitement and emotion. If not a Retirement Party, our fellow-employees will not allow us to exit without a bit of fanfare, a cake, some gifts, well-wishes and lots of hugs included.

While we may feel a ton lifted from our shoulders in terms of relinquishing those daily pressures and the work-related stress, there may also be a tiny part of us feeling some separation anxiety. After all, if we've spent a fair amount of time with fellow-employees, the staff in general, we've formed bonds, or at the least, a pleasant association. It can pose a struggle to say Good Bye to familiar faces.

But, this is our time now and as with every new beginning, the finale of something precedes it.



The Gold Medal of Achievement

Speaking from my own experience, there's a realization that stands out above some others. The first time it is crystal clear to you that your time is your very own....that moment, has the impact to literally lift you off the ground.

Within reason, we make your own schedule, call the shots, change our mind as often as we damned-well please and see before us a thousand scenarios of interesting things to do and places to go. There's a surge of joy and gratitude that does not soon subside.

Go for it. Just DO IT. If you prefer, do NOTHING. But use this wonderful opportunity to it's full potential for yourself and your loved ones for the balance of your life.

Wherever you are at this point in life, whatever is in store, there is no doubt it's all as it should be. The Universe makes no mistakes in timing of events. You are valuable and your life so worthwhile.

As you glance at your own image & look around, I trust you'll find Magnificence. Drink it all in. Embrace retirement with gusto!

Go ahead, laugh a little. You've earned it!

More by this Author


Comments 137 comments

uncleglenn 2 years ago

Donna, I was reading that you congratulated the writer for "making it through" ten years of retirement. It's not a question of making it through at all. It is so much better than working (I've been retired 4 years) that it's not really an effort compared to that. It's more like breezing through rather than making it through. Glenn


fpherj48 profile image

fpherj48 2 years ago from Beautiful Upstate New York Author

Donna......Thanks so much for stopping by, reading and leaving such a nice comment.

You really do have the ideal job to take your time in deciding when you may or may not wish to retire. In fact, after I did retire, I briefly considered getting my Real Estate license......to stay active and out there in the world a bit longer. Then circumstances helped me decide against it.

It's great that you are pre-planning......and I wish you health and happiness no matter what you choose to do! Peace, Paula


DonnaCaprio profile image

DonnaCaprio 2 years ago from Newburyport, MA

I really enjoyed your hub on retirement! I'm not sure if I will ever retire. I'm lucky that I have the option of working as long as I like because I am in real estate sales. Retirement will be a solo adventure for me. If I retire I envision a life traveling, writing, learning and spending time with family. So when I have enough money to support my interests, that will be the time I retire. I have returned to college to finish my degree, one course at a time, and love it!

Kudos' to you for making it through 10 years of retirement solo. Not an easy feat. Love your writing. Hope to read more!


fpherj48 profile image

fpherj48 2 years ago from Beautiful Upstate New York Author

d.w......Hmmm "I have always lived my life going the other direction than most".....We are partners in that "other direction." It's a tough thing to deal with growing up, especially in the '60's. Individuals who were a little "different" from the cookie cutter/Norm.....were not as understood or well-accepted as they seem to be in this era.

I would not have described myself as going in the "other" direction...as much as knowing I was going in the "right direction" for ME. In other words, I was not a crowd-follower and thus, not a crowd-pleaser.

My Dad would introduce me as" his daughter the Rebel turned Pioneer." I took that as a huge compliment.

Your comment sings of a Contented Retiree. Good for you! It is a marvelous and comfortable feeling of freedom.

Thanks for the visit. Stop by anytime!


d.william profile image

d.william 2 years ago from Somewhere in the south

What a great hub on retirement. I certainly enjoyed reading it and all the wonderful comments. I have been retired for 7 years now. I have always lived my life going the other direction than most (LOL). I was brought up in New England and moved to Florida over 40 years ago. When i retired my intent was to sell my property here in Florida and move back to New England where the rest of my family still lives. The real estate market crash has made a different decision for me and i am still in Florida hating this heat and humidity.

But the feeling of independence from the work force is still as fresh in my mind as the day i retired.

I love the quiet and solitude and the fact that i don't have to do anything i don't want to do anymore.

Of course there is still a residual of fear that somehow all retirement funds will be re-routed to the personal bank accounts of the crooks on wall street. I just try to make the best of each day and enjoy the world around me and the last of my pets that are aging more rapidly than i am.


fpherj48 profile image

fpherj48 2 years ago from Beautiful Upstate New York Author

Glenn.....Congratulations to you for having found balance and creativity in your life, now that you are retired. I agree with so much of what you have said here and would only encourage you to stay on track of taking care of the things that matter most to you.

It is imperative we take time to care for ourselves.....especially if we are full time care givers!

It is so true that it doesn't take a financial magician to handle the changes in life as a retiree. We are capable of making changes and adjustments with little effort!.......Peace to you, Paula


uncleglenn 2 years ago

For my previous comment, that was 6 weeks ago that I started at the gym. Also, I am planning more trips both with my wife, and especially trips on my own. You really do have to treat yourself once in awhile. Glenn


uncleglenn 2 years ago

I had written a response on this site probably well over a year ago, and this is an update on my retirement. I have been for retired early for three years now. I was always glad to be away from the work world. I still have a job to do, as I am my wife's full time caregiver. However, I started to realize I had to care for myself at the end of last year, and took a trip to the ocean where I stayed in a condo on the beach for four days in December. It was a wonderful experience for me. Then in early February, Amazon.com sent me a list of 100 books to read in a lifetime. I had already read seventeen of them, and I thought, what the heck, I can read 83 more. I don't know if it is a two year or a seven year project, but I am on my way. This is an avocation that I can do in my own home, so I am still able to help my wife throughout the day. Then, about six months ago, I started regular trips to the gym. I have been working out three days per week, with only one day missed in that whole period. It is a great feeling of accomplishment, and my mood has been lifted since I started. So I am finding that retirement looked one way when I was working, another in my first three years, and now it has taken on an entirely new complexion.

I would greatly recommend retirement to all who can handle to financial part of it. And I think you will find, it takes a lot less money than you expected. Glenn


fpherj48 profile image

fpherj48 2 years ago from Beautiful Upstate New York Author

Kathleen....As HIGH as you aim and soar.....you won't have a care in the world about the years passing by. You strike me as a woman who will be Forever Young......and certainly NEVER scared!!.....Just keep reaching for that star....you're easily on your way.


fpherj48 profile image

fpherj48 2 years ago from Beautiful Upstate New York Author

Audrey...with your interesting and varied background, talents & qualifications.....although you may soon retire from a formal career....you will be like a butterfly, fluttering everywhere and keeping very active. The "creative" blood flows forever. almost without effort, as I'm sure you're aware.

I sense you will never be idle, as in the end of a ride. No doubt you will merely shift seamlessly onto a new and exciting road! Good Luck...


Kathleen Odenthal profile image

Kathleen Odenthal 2 years ago from Bayonne, New Jersey

it is becoming a scarier and scarier thing to look at, with the ages of retirement recommended getting older and older i sometimes worry if i will ever make it there!


AudreyHowitt profile image

AudreyHowitt 2 years ago from California

Oh this is us coming up soon! We'll see what changes come along in the next few months!


fpherj48 profile image

fpherj48 2 years ago from Beautiful Upstate New York Author

OH.....don't let your girlfriends scare or influence you. I would say that all depends on each individual husband, wouldn't you? My late hubby (rest his soul) kept very busy in his retirement by running a business from a home office. He was one of those type A personalities that just had to go go go...and feel productive in order to be happy.

We each kept busy doing our own things throughout the week days.....and then on week-ends we would relax, do things with our kids/grandkids......and let's not forget there are ALWAYS home & yard projects galore!!

If you and hubby have a simple system you both agree on.....your lives and time can be your own!!.......I'm happy for you that you're enjoying this freedom.....to heck with lots of money. Can't take it with ya!!


Kathleen Cochran profile image

Kathleen Cochran 2 years ago from Atlanta, Georgia

I "retired" almost four years ago, like you, because of a catastrophic family situation. Three books later, I don't regret it. I'm finally doing what I've always wanted to do and not just when I could find a bit of time for myself.

I miss the income only in that I wish we could travel more, but after 20 jobs in 40 years, I'm just not up to starting over - again! I loved being a reporter, but it's really a young person's game (those hours for that money - whew!)

I (foolishly) have no retirement income to show for a lifetime of work, except the military retirement I helped my husband earn and our investments if no other world crisis hits the U.S. economy. I'd like to think my books will provide some security, but the odds are not good.

I'm convinced the secret to being out of the work force is to get out of the house at least twice a week. I volunteer at the local hospital and sing in my church choir. I also enjoy being commander of my own time, but I've been told by girlfriends that comes to a halt with the hubby retires too!

You struck a nerve with this hub. Good job.


fpherj48 profile image

fpherj48 2 years ago from Beautiful Upstate New York Author

I understand precisely what you mean!! However......the down side is that you don't really want time to fly by any more quickly than it does!!

You still have years of "wedded bliss" ahead of you to enjoy!


Jeannieinabottle profile image

Jeannieinabottle 2 years ago from Baltimore, MD

All I ever think about is retirement and I am only in my 30s. Naturally I can't afford to pay for it. I guess really I am thinking about is ways to not work anymore. Actually, yes, that is the real goal. :-) Working full-time stinks. Great hub and voted up!


Denise Handlon profile image

Denise Handlon 2 years ago from North Carolina

Thank you. :)


fpherj48 profile image

fpherj48 2 years ago from Beautiful Upstate New York Author

Thank you, dear Denise....Bless you and more power to you in your valuable journey! You and your children have the strength and stamina to do whatever you choose. May your happiness and success abound........Paula


Denise Handlon profile image

Denise Handlon 2 years ago from North Carolina

Hi Paula, my condolences to you regarding widowhood x 2. My girls were 3 & 5 when I divorced their dad and began to seek an employable career. I met John along the way and he was just the man who was both a loving husband and father to my daughters.

Like you, my life has been a series of serious learning experiences, and at age 60, I am still learning. One thing is for sure, I have more confidence, contentment and courage now than I had at any point in my life. I am convinced that part of the reason has been the generous support and growth I've had along the way. I've never lost sight of the fact that I am open to new possibilities and have an infinite potential to become all that I am meant to become-age is not a factor.

Best to you, sister, on our continued journey here on earth. Peace.


fpherj48 profile image

fpherj48 2 years ago from Beautiful Upstate New York Author

Denise.....I would say that we can be "cyber sisters".......My heart shares your loss. I was widowed the first time at the age of 23 (with 2 babies).....and just last year, my hubby of 12 yrs passed away...so I am solo for these final few laps.

Hardship? LOL.....Denise, I won't go there at this time. I wrote a 4-part Hub on my "journey"......it's been a doozy. The positive side? I learned very early on exactly what I'm made of and what impossible hurdles a human being has the capacity to get through, if they simply CHOOSE to do so. And you can trust and believe me, Denise, when life continues to beat you up......there are decisions to make...quickly and firmly. By no means does the term "easy" have a place here......but it truly is" simple": You learn to FIGHT back, with every ounce of heart, soul and body you possess.

The alternative is to die. That's not an option, now is it?

Your retirement will be fabulous...of this I'm sure!.....Peace, Paula


Denise Handlon profile image

Denise Handlon 2 years ago from North Carolina

Wow, what a great hub for people like me...planning to retire in 5-7 years. Unfortunately, my husband died before we could, "grow old together" and did not plan well for me re: his pension or health benefits. I was required to forge ahead alone. Rated this hub Up/interesting and useful. I envy you your early retirement, and hope it has not been a hardship for you.


fpherj48 profile image

fpherj48 2 years ago from Beautiful Upstate New York Author

FA......42 is very young and you certainly were fortunate! Good for you. Whatever you had to adjust to, I'm sure you did just fine and are happy and active, lovin your life!


FlourishAnyway profile image

FlourishAnyway 2 years ago from USA

Retirement does change your life. I retired at 42 (I never imagined that!) and feel very fortunate to have been able to do so. It was a little jolting at first because of what it does to your identity and social network but it's a new phase.


fpherj48 profile image

fpherj48 2 years ago from Beautiful Upstate New York Author

DDE.....I'm glad you chose to visit. Retirement definitely changes your life. I can attest to this.....quite happily!


DDE profile image

DDE 2 years ago from Dubrovnik, Croatia

Retirement can change people in ways ,like relaxing and taking time out can be a bit different and their behaviors too your hub is informative and very interesting.


fpherj48 profile image

fpherj48 2 years ago from Beautiful Upstate New York Author

Hi, Rolly........Genius or Dummy....the book is great. In fact, I like the entire huge series of these Dummy books. They are simple, but accurate and very helpful.

I understand your own experience with retirement....sounds like the ideal situation. I maintain......".whatever works for each individual."

The point is....It's a glorious point to reach, in life and more than that.....what we do and how we handle it, is entirely up to us!

Peace to you!


Rolly A Chabot profile image

Rolly A Chabot 2 years ago from Alberta Canada

Hi fpherj48...

Ok I have to admit what caught my attention was the book cover "Retirement for Dummies" I have been busted as it is one of the many Dummy books I have in my office.

Retirement over the years to many has meant sitting back on the couch and watching TV. For me the first 6 months was catching up on some rest after a very stressful job. Once there I was able to refocus my attention and I have now entered into a phase I call "Refirement"

I think sitting in front of a TV is something that will have to wait a few more years... not ready yet... Great article...

Hugs from Canada


fpherj48 profile image

fpherj48 3 years ago from Beautiful Upstate New York Author

MT.....What a GREAT Gig you and sis have! I'm jealous! I'd give anything to share a residence with my sister!


Minnetonka Twin profile image

Minnetonka Twin 3 years ago from Minnesota

Hi fpherj48-thanks for a very useful and informative hub on retirement. As you know, being diagnosed with lung cancer at 41 changed my job plans. The good news was that when I decided to leave the rat race, I was able to rekindle my passion for writing. I now write from home and do the household chores, while sis is out working. We are a great team and one working from home and one working out the home, works great for us. Great hub my friend :-)


fpherj48 profile image

fpherj48 3 years ago from Beautiful Upstate New York Author

Rebecca....I hear you honey!! I HAVE them all!! LOL. Wish I'd have thought up the concept for these books!.....That person was definitely NO dummy!!!


fpherj48 profile image

fpherj48 3 years ago from Beautiful Upstate New York Author

Paul.....Always glad to see you...anytime! Sorry that I have not been around much. I shall return. On week 4 of a 6-week gig...."Granny the Nanny." Have 3 month old TWIN grandsons....born in Georgia. Mom went back to work and "Grandma" insisted the boys are too young for day care just yet. (a-HEM.....I need to learn to keep my mouth shut!) LOL...just kidding. I adore the little guys. I'm a big baby myself, when it comes to being homesick.

You will be so HAPPY on the date of your 2nd. retirement! It's well-earned, that is for sure. You seem the type who will have a full schedule of wonderful, productive activities going on at all times. It's the only way to go!!...........Thanks, Paul!


rebeccamealey profile image

rebeccamealey 3 years ago from Northeastern Georgia, USA

It's good to know there is a Retirement Book for Dummies.....I need ALL the books in the For Dummies series! LOL


Paul Kuehn profile image

Paul Kuehn 3 years ago from Udorn City, Thailand

Paula,

This is such an awesome well-written hub that I had to read it again and add more comments. I retired from my stateside government job when I was 63 and moved shortly later to Thailand for my retirement. Since I wasn't satisfied sitting around and doing nothing, I went into teaching English full-time because I had always wanted to be a teacher when I was younger. I have been doing this now for over 6 years, but I will be retiring from full-time teaching in March of next year. I would like to write more, travel, and get involved in other things while I am still in good health. When I do hang the teaching up, I won't miss the 10 hours each day I have to spend at the school! Voted up and sharing with followers. Also Pinning.


fpherj48 profile image

fpherj48 3 years ago from Beautiful Upstate New York Author

ps.....Same issue for me......family illness =early retirement. We do what we have to do. and because all things are as they should be, at any given moment, guided by our Universe.....things work our in the end......If it all doesn't work out right away....IT'S NOT THE END! Peace.


fpherj48 profile image

fpherj48 3 years ago from Beautiful Upstate New York Author

uncleglenn.....It's clear to me, you have made your own very sensible and acceptable argument for leaving your stressful job and transforming yourself and your entire life.

You'll be just fine, financially, believe me. It's amazing what we learn to do and what we can easily do without, for the sake of peace and happiness. Best of luck!...UP+++


rose-the planner profile image

rose-the planner 3 years ago from Toronto, Ontario-Canada

Great article! You have offered great suggestions and perspective on the subject of retirement. I see a lot of seniors out there that don't want to retire. I guess it's different strokes for different folks. Some people can't wait to retire and I think some would die if they did. Thank you for sharing. (Voted Up) -Rose


pstraubie48 profile image

pstraubie48 3 years ago from sunny Florida

Excellent suggestions. I was forced to retired three years early due to family illness. It was a bit of a challenge at first but now all has settled in and it is smooth sailing.

Thanks for sharing this. Angels are on the way Voted up and shared.


uncleglenn 3 years ago

Not all careers are cheerful. I worked for my last 16 years in mental health. Some of the work I enjoyed , but spent my last 4 or 5 years as a mental health counselor. I found it became very difficult for me to spend time seeing my clients. I used a lot of empathy, and by the end of a lot of sessions, I was drained. I consequently developed a lot of anxiety, that would manifest itself before my clients would show up. My higher anxiety level led to health issues, and on one particular day, I just knew it was too much for me and would never get better. That was the day I hung up my shingle. My boss had about 4 hrs notice.

But then I was FREE. My health improved, and now it has been two years of a much more peaceful time in my life. I'm not sure if the dollars will always stretch to cover my inexpensive lifestyle. I just know I am happy with the change, and my wife is happy with it also. If I really needed some extra money to live on, I might have a couple of extra fund sources to tap into. Meanwhile, it's ten o'clock on a beautiful morning. There have been many days like this. It is so much better to have my life back. I am very happy with retirement. Glenn


fpherj48 profile image

fpherj48 3 years ago from Beautiful Upstate New York Author

Hi rajan.....How wonderful that you had your own business. Much responsibility, I'm sure, but it's what most people consider the "dream" career......so many aspire to have their own business.

It seems some of us are doubly blessed, at this point in life, to have such an active and interesting 2nd career, as "writing!".....Thanks for stopping by, rajan


rajan jolly profile image

rajan jolly 3 years ago from From Mumbai, presently in Jalandhar,INDIA.

Interesting read on a phase each one of us has to face sooner or later in life. After retiring from a self owned business I find myself occupied full time writing. And enjoying it.

Voted up, interesting and sharing.


fpherj48 profile image

fpherj48 3 years ago from Beautiful Upstate New York Author

Thank you so much, midget! Whenever you retire.....I wish you the BEST!!


midget38 profile image

midget38 3 years ago from Singapore

We all have to plan ahead for this! Thanks for sharing, Paula, sharing again!


fpherj48 profile image

fpherj48 3 years ago from Beautiful Upstate New York Author

pages....Thank you so very much for the stars and positive feedback. I'm glad you enjoyed this.....I'm also happy for you that you are fully "into" the retirement thing! Good for you!.

I'm sorry it took weeks for me to reply....but I have been away from HP for the past several weeks....and only now beginning to get back into the swing, little by little. Hope to see more of you and all my wonderful hub-buddies in the near future....!


pagesvoice profile image

pagesvoice 3 years ago from New York/Pennsylvania border

Voted up and FIVE stars! I loved this article and am living the dream. I've been retired for a couple of years and now have the chance to tinker with crafts, woodworking, gardening, cooking, reading and writing. I've always done those things, but now I can be much more involved.

My wife is midway through her 38th year of teaching school, so when she is off in the summer months we get to practice what it will be like when she finally retires. I must confess, however, that I am the one who does all of the cooking, so I do get quite protective when she is in MY kitchen. LOL.

I remember like yesterday when my company showed me my retirement date...way back when. I thought, oh dear, how will I ever live that long? Then I blinked and "WHAM" I was there.

I thoroughly enjoyed this piece.


fpherj48 profile image

fpherj48 3 years ago from Beautiful Upstate New York Author

Paul.....We humans do have a tendency to change as we grow, don't we? And isn't that a wonderful part of this journey? Thank you so much, Paul. I appreciate your comments, always.


fpherj48 profile image

fpherj48 3 years ago from Beautiful Upstate New York Author

gm...although my retirement came unexpectedly, a bit early, I did not find it "a bitter pill to swallow," in the least.....then or now. Surely, it was an adjustment, but in many ways, under the circumstances, I found it to be a seamless transition.

I'll admit, this could be due to the fact that I'm famous for rolling with the punches.....and firmly believe that "at any given moment, all things are precisely as they're meant to be."

I don't get into extensive questioning or analysis.....I simply "adapt." Challenges keep me young.......Thanks for the visit, gm.


Paul Kuehn profile image

Paul Kuehn 3 years ago from Udorn City, Thailand

Paula,

This is a very useful hub for anyone who is considering retirement. When I was younger, I loved my government job so much that I thought I would never retire. As I got older and started to develop different interests I realized that there was something interesting for me to do after retirement. Financial planning prior to retirement is so important. When you retire, it is also important to be living at a place where you are physically and mentally comfortable with life. Voted up as useful and sharing with followers and on Facebook and Pinning.


gmwilliams profile image

gmwilliams 3 years ago from the Greatest City In The World-New York City, New York

I absolutely loved this hub and you are correct on many accounts. Retirement is something to be planned at least 25 years before its inception. However, sometimes retirement can occur unexpectedly through family illness, caring for an aged parent or aging parents, and just be "downsized" or "laid off".

Many people, unfortunately, never plan for retirement until it is near their retirement. Savings, pensions, and investments can mean a difference between a happy, secure retirement and one that it fraught with angst. Many Baby Boomers often have to work past their retirement age because they want to retain their living conditions as is.

Retirement is a very hard pill to swallow, especially if one has been working most of their lives. However, there are ways to occupy oneself through the "retirement" years such as returning to school and embarking on a second career, volunteering to help those in need, and other related activities. Excellent hub as usual, fpherj48, voted up.


fpherj48 profile image

fpherj48 3 years ago from Beautiful Upstate New York Author

Jools.....Looks to me like you made the right move at the right time...and I applaud you for having the confidence to do it. You sound so much like I felt at first, even though my reasons were different. For the longest time, I kept wrestling with going back to work.....but instead, I got heavily involved in our home business and found it was more than enough to satisfy my need to be active and productive. I positively love being retired and I'm glad you do too!


Jools99 profile image

Jools99 3 years ago from North-East UK

Paula, interesting hub. I am 49 and 'retired' from my staff management job in July! I thought that after a few months off, I would want to go back to work, I've worked since I was 16 but you know, I have decided not to go back to work and I'm loving the freedom. My last job was very stressful and I sort of became a very different person and not one that I recognised any more. I'm glad I left and I'm enjoying not working. I won't say I will never work again but at the moment, I'm in no hurry to return - I love the peace I have found. I love looking after my family and I used to resent it before :o), isn't that terrible? But my work had taken over completely - I walked away at the best time :o)


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Sounds to me like you are quite happy and doing exactly what you like. That's most important of all!! Congratulations!


Louisa Rogers profile image

Louisa Rogers 4 years ago from Eureka, California and Guanajuato, Mexico

I have always worked for myself and part-time, and my husband joined me in this work/lifestyle, so we've both felt semi retired for decades. The line between working/ retirement is becoming fuzzier in our culture, I think, with many people beginning to opt out of a full-time job earlier and going into consulting, writing and other independent free-lance efforts to keep some revenue coming in. Thanks for a good read. PS We bought a house in Mexico 7 years ago, so we're among the folks who have both a northern and a southern life!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

alocsin...Oh heavens....we never want to retire from writing! The truth is, while we are retired from the general work force, we own and operate 2 home-based businesses that do extremely well and keep us Hopping. The main point is....WE are in charge of all aspects. Makes all the difference in the world, between JOB-work.......and CHOICE-activity.

Someone like you, young and energetic and self-motivated.....will LOVE being retired. Good luck!


alocsin profile image

alocsin 4 years ago from Orange County, CA

Some good ideas on a phase of life that I'll be entering. But since I'm a writer, I doubt that I'll ever really retire. Voting this Up and Useful.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

From all I hear....90% of all retirees are enjoying every minute! Those who don't, simply aren't being "creative" enough! Thanks, midget!


midget38 profile image

midget38 4 years ago from Singapore

Retirement should be a new beginning! Thanks for sharing your own experience as well! Sharing too!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Eddy.....Whether you are retired from the work force or not......You're a special lady with such talent.....we hope you keep on writing!


Eiddwen profile image

Eiddwen 4 years ago from Wales

So well informed and interesting.

Enjoy your day.

Eddy.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

mj...I must apologize for not having seen your comment all this time! But, am here now and thank you for taking a moment to leave your thoughts.

Retirement is, in most cases, a choice. The truth is, even though many of us have picked up stakes and locked up the office, we go on to do numerous other things.

My husband and I have not actually stopped "working," for one second. Our businesses are crazy busy. The major difference is, we make all the rules, create our own schedules and answer to no one but each other and of course, in some regards, to our clients.

Retiring simply does not mean ...crawling into a lonely corner and withering away. Quite the contrary!.....Thanks!


mjkearn profile image

mjkearn 4 years ago

Hi Effer

I definitely think you have given plenty back and I must have another look at my own bio.

Great hub and a great outlook. Not quite in the 6th decade but fast approaching the 5th and retirement has been on the mind for a while.

Both my partner and myself were on track to upsticks and move to another country before the present crash which has derailed our plans.

We are resilient and resolute for our future and our move. We are both have a go types and self employment is a must as our move is to Southern Italy and our combined Italian hasn't reached passable stages as yet.

Love the mug pic "retired from work not life". It's the best attitude and way forward. Fair play and bravo to you.

I have seen several retire and wither as work was their life. Worst still I've seen some retire and lose their partner or themselves in an all too short and unacceptable time.

Today's world has heaped on the pressure and it is truly harder for many to see a way through so your words of advice in this hub are invaluable, encouraging and very welcome.

Awesome job. Voted up, ticked and shared.

MJ.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Wayne....based on your comment, the tone and the heart behind it, you sound ...typically, happy-looking-forward-reflecting-back-eager-a tiny bit apprehensive....."Ready," to actually hang up those spurs. Oh and remember to place them where they can remind you that they're THERE for good.

Let me CONGRATULATE you in advance and wish you as much success and achievement in your years of retirement as you were fortunate enough to have in your interesting career.

Yes, it can be viewed as a "leap of faith," but honestly? it's fine, because you get to believe in yourself, depend on, work and play for yourself (and spouse of course)....report to Wayne, and best of all...write up your own evaluations!! lol...

The tiny bit I can claim to know about you via our association here, I've not a single doubt, for you and your wife...the VERY best is yet to come.........Paula


Wayne Brown profile image

Wayne Brown 4 years ago from Texas

After almost 42 years in the labor force, I looked up one day and realized that I was part of the "old heads" here on the job. I have been blessed having had a good run over that course of time. I have never been unemployed longer than 36 hours. I have also been blessed that each phase in my life has prepared me for the next phase and such was the case in my career. I had some really unique experiences and held some unique jobs over the course. But now, I am ready to change the pace and focus more on what I want to do. Come January 1 2013, I will hang up my spurs for retirement. As you point out, it is a big decision, no doubt and regardless of the amount of preparation, money, time, etc. that goes into it, eventually one realizes that a certain part of the decision is simply a "leap of faith". I plan to devote more time to writing and hopefully climb to a higher plane in that effort. At the same time, I enjoy writing far too much to make it a task of labor so I have to be careful. Beyond that focus, I'll be taking everything as it comes fully aware that the game is in the final quarter and maybe I still needs some points on the scoreboard. Good write...you made us think! ~WB


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

WOW!! 12 years younger? You little devil, you. I'll bet he works YOUR ass (off) too!! that'll get me banned......


TToombs08 profile image

TToombs08 4 years ago from Somewhere between Heaven and Hell without a road map.

Effer, get hub! Terrye's retirement plan = Marry man 12 years younger and make him work his ass off. :) Voted up and more!


DMVmimay 4 years ago

so intriguing and super cool hub, i like it.. it's a great pastime reading your hub, so fun.. keep sharing!


uncleglenn 4 years ago

Very funny!!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

uncleglenn....No problem. Didn't notice. I was reading in the dark.


uncleglenn 4 years ago

Please excuse the typos in my last statement. I was working in the dark. Glenn


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Congratulations on focusing on YOU and your health. Losing that much weight is proof that you are serious and succeeding. I completely understand about having the time now, to take better care of yourself and simply DO more for yourself. That is a special benefit to Retirement.....and there are plenty others! I LOVE it too!


uncleglenn 4 years ago

Haven't been around Hub for awhile, and noticed this discussion started up again. Been off on another site, the Spark pages, losing weight. Retirement led me to really be better able to focus on my weight and fitness level. Am now 43.5 lbs down, 38.5 to go. And I am working with a persoanl trainer on a new fitness program. Retrement really slowed me down, and let me focus on what was imporotant to my life, instead of to somebody else's. No complaints about leaving work early. In fact, I LOVE FRETIREMENT!! Glenn


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

thank you, Millionaire Tips. Coming from someone with your background and proven methods....I feel validated in how I handled my own situation. You are so right...there's nothing like being the Boss Lady in your own life!


Millionaire Tips profile image

Millionaire Tips 4 years ago from USA

I fell into early retirement as well. I was planning to switch to another career, but the joy of choosing of making my own decisions about what I want to do with my time is incredible, as you say. Voted up.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Thanks Eddy.......Yes, we do have to live and hope.....and if you ask me, you're dreams will come true! You're so good at what you do!


eddy4me profile image

eddy4me 4 years ago from Wales.

How interesting ;well informed and brilliantly presented.

You have covered the subject so well .

I hope to be still writing when I retire and maybe have many books published !!!Well we have to live in hope don't we ha ha!!!

Thanks for sharing and here's to so many more to come.

Eddy.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

OK...I'm shocked. I would not have guessed you as a boomer, alocsin.....pictures are deceiving......or you have SUPER-genes! you'd pass for early 40's easily. Yes, that's a compliment.

I read your second sentence to mean that your free-lance writing IS your profession. If that's correct....that is wonderful! Every single hubber on this site would love that.

Thanks for the visit!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

I can understand your growing disappointment in working full-time for "someone else." It's a real Bit**. I think you're wish of working just part-time plus "on-line," is a really doable dream, jeannie. Like so many hubbers, clicking the keyboard, working at finding the perfect combination of online money making situations.....becomes easier and closer to reality.

Whatever your near future holds......I know you will ACE it!


alocsin profile image

alocsin 4 years ago from Orange County, CA

I'm probably a lot closer to this age than I would li but like many boomers, apparently, I don't intend on retiring. Of course, as a freelance writer, retirement is not really critical to me, since I'm doing a creative profession independently. Voting this Up and Interesting.


Jeannieinabottle profile image

Jeannieinabottle 4 years ago from Baltimore, MD

Great hub! For many years, my dream was climbing the corporate ladder. Now that I've been working for a while, my dream is retirement. What I once thought would create fulfillment in my life is not what I truly want. I am hoping to "semi-retire" in about 4 or 5 years. I can't stand working full-time for anyone else anymore. I just want to work online and work some hours here and there at an office. Following someone else's rules and working all the time for someone else's dreams is not for me anymore. Thanks for sharing this information! Voted up and shared!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Tammy.....just bide your time and save....wait for the market to be revived in favor of the sellers...Hold off until you find the deal of the century......and go for your dream!!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

bill....this is an old hub written by an old lady......your last paragraph is positive evidence that you ARE retired!! Especially the part about "not being sure you really care!" Congratulations, you are official Retiree! This hub was "Hub of the Day" when it was first published!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Susan....I wouldn't think of deleting your comment!! You can visit me ay time you choose. (I've done the same thing myself!!) It's perfectly OK.......I think it has to be ten visits to qualify as "stalking!!" LOL


tammyswallow profile image

tammyswallow 4 years ago from North Carolina

Great thoughts that motivate me to start considering a real plan. I know I want to sell off my house and retire to the beach but I will need a better solution for day to day income than Hubpages. Very thought provoking!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Susan...You and hubby certainly have the right attitude. I say....go ahead and "dream," because what you want can very well be what you ultimately get. A cabin on the lake sounds like heaven.......Actually, your entire situation sounds like heaven......a retired military officer who can work his own schedule and keep the troops at home in line.......and teaching affords you the "luxury" of week-ends, Holidays and summers OFF duty! Do you have any idea how many people would LOVE that set-up? Thanks for stopping by, Susan......always good to see your pretty smiling face!


billybuc profile image

billybuc 4 years ago from Olympia, WA

Where did this one come from? Is this a recent one? How come I wasn't invited to the party? Sheez, you think you know someone and then they leave you out of a party list. Hmpff!

Hey buddy, great hub on retirement. I can't decide if I'm retired or not...I don't work for anyone....but I work for myself writing ten hours a day....is that retired?

I do love the freedom of not working a "real" job.....and I'm doing what I love to do....so for me, I feel like I'm retired from the standard way of living. I don't know if that makes any sense but I'm not sure I really care. LOL

Have a great weekend Paula!


sholland10 profile image

sholland10 4 years ago from Southwest Missouri

You can delete/deny this... I already read this hub. Your writing is so refreshing. It is brand new each time I read it. :-) I went to my Realities of Retirement hub and found I had already linked this hub there. DUH!! LOL


sholland10 profile image

sholland10 4 years ago from Southwest Missouri

Paula, planning retirement is so important. In your case, your planning paid off when you retired unexpectedly early.

I would love to retire, but not because I don't like my job as a teacher. My husband is a retired military officer and was able to retire at the ripe old age of 45. I want to go do things with him. Of course, he has a job, but he gets to pick and choose when he works. He had a plan. His plan for me is to stay until I am eligible for retirement. LOL He loves it when school starts and he has the house to himself. He's like a stay-at-home dad.

I love visiting the South, but I am like you. I couldn't leave my home and family. Some people could, and I love when I know one of them so I can go visit. LOL The farthest I would want to go is an hour and a half south to a cabin with a picture window on the lake... Of course, I haven't managed to budget that into my retirement, yet. :-)

Great hub. I am linking it to my retirement hub. :-) Votes and shares!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

In a way 10 years is a long way off....but then again, it's always best to have the edge. Honestly Audrey....of the hundreds of retired folks I know, we all seem to come down to the basic understanding of our own personal plan and goals.

But I will say this, only the extremely wealthy can maintain a lifestyle on par with pre-retirement.....the rest of us absolutely need to resign ourselves and prepare to make multi alterations.

The timing is good though, because we need less, we do less, and we appreciate the value of simple peace in our final stretch. Thanks for visiting!


AudreyHowitt profile image

AudreyHowitt 4 years ago from California

We are about 10 years away still and busy planning the paying off of things like house, education costs, credit cards etc---and saving! Thanks--


GiftedGrandma profile image

GiftedGrandma 4 years ago from USA

It is so good to hear someone upbeat about retirement without tons of money and living within their means!!! God promises to take care of all our NEEDS :o)


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Thank you so much, farmloft....We could go on forever listing the things that are "OVER-RATED!" What's vital to each of us, is to be firmly grounded in our beliefs and directed toward our goals, paying no attention to fabricated distractions. It's so nice to meet you!


farmloft profile image

farmloft 4 years ago from Michigan

I enjoyed reading this hub and all the interesting comments! Especially the "millionaire theory" being over rated. You're right when you point out that we have to adjust when faced with facts of life.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Heather1956.....I understand your comments and concerns. I also feel that you have seen and heard horror tales about people spending (losing) their financial security due to outrageous medical bills.

The point is, they had the money to spend on their health(as you say, to "stay alive") to begin with. Just because that money is now gone, does not mean they will wither away and die.

They will make the changes and cut-backs necessary and simply have a different life-style than they had wanted and planned for. These are facts of life. While it is disappointing, it is not "doom & gloom."

Retirement, unless forced for some reason, is a choice. Many people continue to work until their last breath. Others are so intent upon retiring, they are willing to make sacrifices and/or do whatever they need to do in order to be happy & at peace for the balance of their lives. Spending quality time with family is a priority to them.

The "millionaire theory" is HIGHLY over rated. Of the THOUSANDS of retirees I am pesonally aware of, not a single one came close to having that precious "million." Thank you so much for visiting my site and for your input. It's always nice to meet a new hubber.


Heather1956 profile image

Heather1956 4 years ago from Oklahoma, Texas, Alaska, Utah, Florida, Arkansas

I am going out on a limb here to tell you this. I don't think anyone unless they are millionaires are going to be able to retire. Why? I have seen rich people working in Orlando, FL that had paid extraordinary amounts of money to either pay for their care or stay alive. One man had about exhausted all his reserves to keep alive. I have even admin experimental drugs to the rich within their homes and having to stay with them in case "anything" goes wrong. You call the ambulance that's all. People are going thru their hidden bank accounts, their 401K's (I have heard the stories from patients), and let me tell you in the next few years it could be sadder than now. Sorry but seen too much to think otherwise. You can save but unless you cut down A LOT RIGHT NOW your going to pay the highest costs for food, water, fuel. I guarantee you. Americans as far I see don't want to, don't see it coming, or can't stop. I'm one of them.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Jaye....As always your thoughtful comments are welcome and enjoyable to read. Although, I must say, it made me livid to read about another act of the immoral activities of major Corporations.

I'm sure you are aware stories similar to yours are becoming the norm. It infuriates us all and as you said, somehow they know the "legal" loopholes and how to really hurt people.

Your rebound is inspiring and I admire you for turning a disappointment into a more doable situation for yourself.

Retirement IS precisely what we make of it. Sounds like a familiar refrain, doesn't it?

I too, like the "freedoms" it brings. (I am NOT a morning person either!) but currently, I'm still up at 5 or 6 due to home businesses hubby and I run. "Someday!"

My wardrobe also consists of a huge array of PJ's, robes and the "kick-around" outfits. I guess our fashion statements have relaxed a great deal! LOL Peace.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Uncleglenn...I completely understand your decision as well as your reason why. Hey, win a few, lose a few....Can't wait to read your work, uncleglenn!!


uncleglenn 4 years ago

Well, You've got real stuff to deasl with. So I'm going to sign off. Good luck, Glenn


JayeWisdom profile image

JayeWisdom 4 years ago from Deep South, USA

Like you, I retired earlier than planned, six years earlier, to be exact. Health issues forced me to do this, and for the first year of retirement I felt truly lost! For so many years I'd defined my worth by my position and achievements within a large corporation. I don't think it's any stretch to say I grieved for the loss of the six years I'd planned to continue doing what I enjoyed and did well.

For the first three years of my enforced disengagement from the corporate world, I continued to draw 2/3 of my base salary through long-term disability insurance benefits, as well as maintain eligibility for company insurance and numerous other perks to which I'd become accustomed. When that ended, abruptly, it was not only a shock, but required a major downshift in lifestyle.

Suffice it to say that when I applied to draw my pension and learned the company I'd considered so wonderful was screwing me out of fully half my earned pension via a legal, but unethical, trick dreamed up by a team of corporate attorneys, I saw my years of 60-hour weeks and all the "extras" I did for said company in an entirely new light--and it wasn't favorable.

Health issues plus a greatly-reduced income make my retirement much different than I'd anticipated. I had to cash out my 401(k) when the stock market was abysmally low because I needed the money right then, and this left me without the financial cushion for later years. I have to admit I'd put off saving as much as I should (which I now urge everyone to do early in the game), intending to pack away the savings during that final six years of work I didn't get.

So...I won't spend my "golden years" traveling or living the lifestyle I expected, but that's okay. Instead, I relish the fact that how I use my time is my decision entirely. I've tried new things and continue to test the waters of new interests I had no time to pursue for decades.

One of the greatest bonuses of retirement for me is this: If I want to stay awake half the night reading, then sleep late the next morning, there's no reason not to do so. I'm no longer ruled by an alarm clock! Getting up early was the most difficult part of my day throughout my entire career, and that's one thing I definitely don't miss. Nor do I miss the dress-for-success requirements that ruled my life for decades. If I choose to rise early, it's of my own accord, and I can lounge around or even work in my PJs until noon if that's what I want to do.

Retirement is what one makes of it. My own retirement is more low-key than I expected it to be, but I'm enjoying it nonetheless. Adaptibility should not be underrated.


uncleglenn 4 years ago

Sorry, I'll have to turn down your offer. See, you'd probably learn how to swim as we staked out our lives together. Then I would be left all by myself to endure a cold, lonely death, with the only Starbucks three islands away. Nooo, that would be too much to bear.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

uncleglenn......OMG, you are toooo effing funny! With a fabulous sense of humor like like this, I'm sure I can manage to cast off everything I've ever believed in, all sense of right and wrong, family, friends, responsibilities, and all that I hold near and dear....and meet you on an island in the pacific. I promise to never leave you, because I can't swim. ALL my love & devotion.......


uncleglenn 4 years ago

I read your blog and your comments. I've seen your picture, and I'm pretty sure I'm in love with you.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

suzette....Sounds like you are one smart lady! You are happily retired in a place you enjoy, doing what you like to do. It doesn't get much better than this! Congratulations and luck to you always. Peace.


suzettenaples profile image

suzettenaples 4 years ago from Taos, NM

Great, great hub!!! I really enjoyed reading this and you really give some good advice and food for thought. All those contemplating retirement should read this!

I retired from 30 years of teaching (middle school and high school) two and a half years ago, and I have never looked back. Life is good and I am so happy retired. Your first paragraph is so true. When I think back to sweating through those job interviews I nearly laugh myself silly. That WAS the easy part. The end decisions are the ones that are tough! However, teaching basically told me when to retire. Teaching had become a "job" and was no longer fun. I wasn't hopping out of bed in the morning with glee about going to work. Part of the reason were some serious health issues that came into the decision. But, basically it was time for me to retire - I just couldn't even see me teaching for another year or two past 30 years.

I have moved to Florida, and I love it! I get up every day to SUNSHINE! And that was something sorely missing in Ohio - so I am happy to be here too. I am single, so it was easy making the decision to move south. So, retirement has been good for me.

I urge everyone contemplating retirement to start doing the homework and research five years before you plan to retire. I did and it was the best thing for me to do. I knew right away when it would be best for me to retire without having regrets.


Sharyn's Slant profile image

Sharyn's Slant 4 years ago from Northeast Ohio USA

OMG, you crack me up Paula. "Jar of Smuckers" lololol. I do believe where my current attitude comes from is that I will be hitting a milestone birthday in a month and a half or so. But I promise you that I will just wizz by it and remember all of your advice . . . which I very much appreciate!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Thanks for the invitation....When you earn "millions," I just know you'll be writing from a different Tropical Paradise every week. "Comfort"...what a wonderful concept. It's my favorte!

Fortunately, I have very talented sons. My hubby is extremely dangerous around power tools! We're a "strange" duo...he's all white collar....I'm the Blue Collar Gal. My Dad was an Ace Handyman and I trailed him like a puppy with my own little tool bag!! My girlfriends played with Barbie Dolls....I learned how to gut fish. Not exactly a little pink, frilly Miss!!

If I asked my hubby for a sun room....He'd say, "The whole yard is in the sun, honey!!" Thanks for the visit!


sholland10 profile image

sholland10 4 years ago from Southwest Missouri

You and I seem to write on the same topics. LOL I love it, and I am going to link it to my retirement hub. :-) I don't get cold - I look at my husband with batting eyes and say, "Wouldn't a sunroom be nice?" Since he is retired and still young, he built one... See, I am getting him to prep for my retirement. That's right, I am going to be comfortable, especially with the millions I will be making by then with my writing... You can come visit me and we will have tea in the sunroom (maybe with an additive). :-) Great hub!! Votes and shared!!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Sharyn....Let me try to redeem myself....didn't mean to make you feel "old." Everything is realtive....so, let's compare the author to the reader, to narrow it down.

I feel young....I think young and as reasonably as possible, I "live young." I promise you, the aging process is more of a positive experience than it is otherwise. Just believe that it truly is an "attitude."

Having said this...you have more than a decade to catch up to me. My eldest son just had a BD. He was 44....placing YOU, in his generation, I'm sure.

If you are feeling OLD.....this makes me ready for the Jar of Smuckers.....and THAT ain't happenin, girl!

Do the "self-talk" thing in the mirror, at least once a day.

I used to tell my sons, "Every time, you look in the mirror, let yourself fall in love." That may be the only advice they took seriously. Each of them has an impenetrable self-image!! and Mom here can still knock them down a peg if need be!!


Sharyn's Slant profile image

Sharyn's Slant 4 years ago from Northeast Ohio USA

I just love your writing Paula. This piece is exceptionally awesome. I am so concerned about getting a better job and income currently, that I do not think about this. But thanks so much for pointing it all out. With each minute that passes, it's getting closer quickly, darn it. I am feeling much older now thanks to you dear.

Seriously, you truly are an inspiration. I think this may be one of my favorite pieces you've written. Lots to think about, well written, nicely presented, all with that "silly Paula touch" ~ I love it! Sharing it . . .


Cogerson profile image

Cogerson 4 years ago from Virginia

I am thinking I will be doing some form of work until I am unable to work....which hopefully will be well past the 65 years of age you write about. I did 21 years in the grocery business, 4 years of being a stay at home dad and I figure in couple more years I will be starting my 3rd career. Loved the coffee mug photo and the retired poster...very funny stuff. Glad to see you have handled being retired so well...voted up and very interesting.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Gifted.....I hear you and agree with your decision wholeheartedly.....My one disappointment is that I have 2 sons and their families here, where we are originally from....one in Calif and one in Georgia. Soooo, I visit as often as possible and thank heaven for Scype, email, texting, etc!! But, I couldn't leave here to live elsewhere at this point in my life. Good luck in your retirement and your move. You'll be so happy to be closer to family!


GiftedGrandma profile image

GiftedGrandma 4 years ago from USA

We are going to be in the minority as we will be going from South to North for retirement because that is where our family are and we have missed so much already.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Sunnie Day....You raise chickens!! Hubby and I have talked about doing this! Now I have a chicken "expert" to talk to!!

Bless you for 18 years devoted to caring for the ill and injured. "Nurses" have all my respect. I believe it is a job that is done well only by people of special qualities.

Your last statement has gone through my mind several times a day!! I have said that I am busier and more active now than when working full-time and raising a family!! How do we manage to do this, Sunnie Day??! lol


Sunnie Day 4 years ago

Great hub! I retired early at 51 but was so ready..Now I am happy to be home, raising my chickens, Writing, and working in the garden. I am so much more happier. 18 years of being a nurse was enough..I gave it all I had. I am now able to be there for my parents and grandkids..I love it..I am also thankful as I know not everyone can do this. I stay busy and wonder now how I ever worked..lol


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Ruchira...I think I have over-done the "hobby" thing. Gonna have to trim down a little before I drop over from doing more than I did before I retired!! Thank you so much for the visit. I appreciate your input.


Ruchira profile image

Ruchira 4 years ago from United States

Hi fpherj48,

I liked your perspective. Retirement is another phase in our lives which we all need to plan out well besides being financially independent. We need a hobby to tick away time and I guess, writers like you and me have found ours :)

wishing you joy and contentment, my friend!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

teaches12345....Thank you so much. I do pride myself on being a "positive" individual. We all have our moments that can drag us down. Those are the "challenges" that test our determination & strength. That's when we get creative. Ever heard of "Fake it til you make it?" It works!!


teaches12345 profile image

teaches12345 4 years ago

I love your positive outlook and encouraging words regarding retirement. Your advice lists several good ideas of which I will remember as I approach this time of my life (just up ahead!). I am one of those fortunate who don't have to fly "solo" as you mentioned here in the sunny south. Great hub topic and very useful!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Spoken like a true woman of the 21st.Century!! Ditto!!


Nell Rose profile image

Nell Rose 4 years ago from England

Hi, I have spent years in different jobs and offices, mainly offices, but not all of them permanent, I tend to go for the temping jobs, I have been made redundant took back, redundant again, now I am not working, so I suppose you could say I have 'retired' for the moment, I suppose I am hoping to earn money from my writing, not just on here, but books etc, I think we need to do our dreams, if only for a while before plunging back into the jobs, saying that retirement as long as your finances are stable is great, otherwise its not going to be too pleasant, mind you I like working when I want instead of having too! lol!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Martie...It's so unfortunate you could not do as you intended without all the "drama" created around you by OTHERS....BUT, you did give it your all and are to be commended.

Let's face it Martie, you are IRREPLACEABLE!!! I'm sure an entire staff could not accomplish what you had, with ease and grace.

Actually, many people who "retire" from their lifelong career, or similar position...simply find themselves looking for that little outlet and extra coins, somewhere. It's important that we all maintain an activity or two that brings self-satisfaction and a feeling of usefulness. And as with everything else, it's a personal choice for each of us.

The best part is being THE BOSS OF YOU!!!! LOL


MartieCoetser profile image

MartieCoetser 4 years ago from South Africa

This is such an inspiring hub! Many retired people are busier and more active as ever. But, and this is the best, with things they like to do.

At my previous job I tried to semi-retire after 20 years of service, but in the same institution, moving from administrator handling all the admin matters (and not educational matters/teaching) down to handling ONLY the financial matters for 4 hours per day. But then this proved to be a disaster. The change confused everybody and his friend. They still 'saw' me as the one in charge, and those in charge felt inferior without even realizing it - they were only aware of me watching them trying to do my job as good as I have done it - and this provoked frustration and antagonism. I, who had thought I would be able to step back and close my eyes for everything except accounts and financial statements, felt - can you believe it - rejected and not-known when it came to new developments and changes. Yes, I felt this with my heart while my mind clearly knew this was not the case. For an entire year all of us battled with the psychological consequences of semi-retirement in the same company, and on a day I exploded because-because-because and resigned.

But still not ready for full retirement - geez, of course not! - I am now working half-day elsewhere, and the rest of the day I enjoy my hobby - writing, reading and commenting in HubPages :)

Paula, I thought this comment of mine may encourage everybody to follow YOUR example and never consider semi-retirement in the same company.

I've voted this hub up and a must read for everybody still planning retirement.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

hahahahahaa......well, if not actually writing each other's hubs.....we may be able to READ them blindfolded!!! I agree....too many similarities gives me goosebumps....in a nice way, though!!


tillsontitan profile image

tillsontitan 4 years ago from New York

My retirement was not my choice. I had planned on a few more years but I have to say in spite of having to make some financial adjustments we weren't prepared for, I love, love, love retirement! You know basically where I live Effie and I'm not too crazy about cold weather but, "All the sun and warm climate in the world, wouldn't keep my heart warm." I too need to be near my kids and grandchildren. We share so much we really have to be careful or we'll be writing each other's hubs! Voted up, interesting and useful. Thanks for SHARING.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

hahahahahahah......No wonder there was a CIVIL WAR! lmao


Sunshine625 profile image

Sunshine625 4 years ago from Orlando, FL

This GF would be wearing a light sweater too! 50-60 are inhumane temps! Brrrrr!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

That's funny, but if you're not kidding, and 8o* is considered "cool," I'll have to say, "I pass."

I don't recall it being that bad when I was At Disney World w/ the boys.....I forgot what month that was.

I admit I'm a minority. 50* to 60*, sunny w/ a breeze is perfection to me.I KNOW there's "air-conditiong" everywhere down there, but I prefer being outside as much as possible. When I spent 6 weeks in Atlanta-hot-as-the-depths-of-HELL, Georgia, I think I was outside 5 times and that was at night. No thanks.

My GF from Fl. comes up here in July and wears a friggin sweater. To each his own, huh?


Sunshine625 profile image

Sunshine625 4 years ago from Orlando, FL

Hurry the coolest season has arrived. Today is 80* and fabulous!!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Yes, Miss Florida Sunshine....I know where you live. It definitely IS the retirement haven...no doubt....just not for me. BUT...I do intend to visit, so keep your eye out for me! Ya never know when I'll be stalking around!! I can ASSURE you, it will be in your COOLEST season possible!!


Sunshine625 profile image

Sunshine625 4 years ago from Orlando, FL

I live in Florida, the haven for retirees...woohoo! This hub is very useful and informative for the retired folk. I'll be sure and share it:)


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

AMEN, Angela! Somehow I'm not making myself quite CLEAR ENOUGH to "everyone," that I am busier and more active now...than ever. Perhaps I should do another hub on What Retirement is NOT? As you well know, it is not the picture of "swinging in the hammock with a book and a breeze!" I have to say that it took retirement for me to learn how to form the word, "NO." Lmao!! Thank you so much for visiting. It is much-appreciated.


Angela Blair profile image

Angela Blair 4 years ago from Central Texas

Like you, retirement -- at least from the mainstream workforce -- was a "have to" situation so one makes some bottom line decisions and moves on. Retirement brings into play a few problems -- like, "oh, you're retired so you've got time to help me finish my project, etc." It took a while to quit being the support system for the "unretired" but got that lined out now! Good Hub with great information - voted up! Best, Sis


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Wes, my man.....being single and child-less gives you free rein to have any & all choices known to man......and do not think there isn't a lot of "envy" out there for that lifestyle....myself included. "Solitude" is a frequent theme in my "daydreams." As for your Mom, she sounds like mine and actually MOST women. We simply were not created to sit still. That takes practise & determination, but always seems to just bore us to death. I hear what you're saying about your Dad, and it may take time for him to adjust after retiring. However, if he's into leisure-type activities...fishing, gardening, woodwork, etc...he'll be happy just doing more of it.

BTW...you're too young to disqualify yourself completely from one day "retiring." You could fall into your dream career at any time.

I'm probably just gonna nag you mercilessly until you compile those outstanding hubs of yours into "Todd's Tome of Topics & Tales." Peace! Thanks for the visit.


Wesman Todd Shaw profile image

Wesman Todd Shaw 4 years ago from Kaufman, Texas

I've been sliding into retirement for ten years now...LOL!

I'm just not down for working my life away. With only one life to live....I'm not into spending it like that. I'm not lazy - just more into a low stress existence.

My Mom is officially "retired," but all that means is that she's not working for dollars - she's damg sure working constantly for something or another though. Mostly, she's taking care of the eldest in the extended family.

I think her plan is to take care of elderly women until she becomes one herself.

Oh Dad wants to retire this Summer, but he's not going to be able to sit around much. He thinks he'll be able to enjoy himself without working - but I think I know better.

Oh well, we'll see. Sorry I couldn't comment on me - I'm not really eligible for the idea of retirement.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Pcunix....More power to you. "Weaning" has become popular too and I believe it's a very sensible way to ultimately exit. Keeping your options open is always a wise decision....after all, "change" is constant. I wish you HEALTH!

montscristo...Retirement is truly more of a "change," or should we say "adjustment," than we ever imagine in advance. It takes the first year, just to settle into the realization that you're NOT GOING ANYWHERE EVERYDAY, unless YOU schedule something!! lol Good Luck!


montecristo profile image

montecristo 4 years ago from Hampton Roads, Virginia

I had retired from my job in Verizon and it was quite a change, indeed. Thanks for sharing!


Pcunix profile image

Pcunix 4 years ago from SE MA

I have been sliding in to retirement for almost 10 years, but I doubt I will ever stop completely unless I become ill.


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

MeanGreen...Hi there! Glad you stopped by with your valuable input. Your "plan" is ideal and more power to you. My situation was cold Turkey from the corporate world, but I went from there to our home office from which my husband and I run 2 businesses...BUSY BUSY. I'll tell you, the pay sucks here and I have personally dispelled the MYTH that sleeping with the boss, helps!

Please, come by again anytime!


MeanGreen profile image

MeanGreen 4 years ago

Nice Hub! While the consesus is that 65 is still the ideal age to retire, I like the idea of slowly phasing out of work rather than just stopping cold turkey one day. I think a lot of people won't know what to do, and it can be a huge change. Ideally, I would like to start scaling down my work hours over time. I don't have an exact plan laid out, but something like step down to 35 hours a week starting at age 45, 30 hours a week at age 50, 25 hours a week at 55, 15 hours a week at age 60, and 5-10 hours a week at age 65.

I know some people don't have this option necessarily, but starting your own part time business could allow for this type of step-down retirement.

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