Wednesday, October 23, 2013

Stages of retirement (and accepting it)

I'm struggling with this new phase of my life.  After all, I'm really not old enough to be retired.  I checked.  I called my pension fund manager and they told me I cannot collect anything from my pension until I'm 62.  I'm not 62 yet.  I've got a few more years to exist before I become 62 years of age.

So what am I if I'm not retired.  Am I just unemployed?  Am I between jobs?  I feel like I'm trying to figure out what I want to do with my life.  I'm still trying to figure out what I want my day to look like.  Even though I continue searching for work, I can tell you, I'm not all that excited about going back to work.  After all, yesterday was a $5000 day in the market. (go AAPL!!)

Even my husband won't call himself "retired" anymore.  He calls himself a "full-time" student.  He's still writing his dissertation.  (I cannot believe how long this is taking)  There is just something about being labeled as a retiree that doesn't sit right with me.

I've heard there are stages of retirement.  I think the first stage consists of dreaming about retirement.  I know what that is like.  You hear a tease on the news about The Best Place to Retire segment and you stay tuned to hear where that place may be.  Some people have countdown calendars to their retirement date.  They watch the days tick away until the big day comes.  They may even know where they would like to live when they retire and maybe have made the purchase.  (I think they are awesome)  I guess my husband and I got this "dream time" cut short.  After all, my husband quit his job when the stress and management style became detrimental to his health and I got fired at an age where finding a new job isn't an easy task.

When one finally retires.  When that great date arrives.  Or, when you are pushed out of the workplace.  One enters the go-go stage.  This is the stage I find myself experiencing.  I'm young.  I'm healthy.  I still want to do stuff.  I love to travel.  I still want to earn money, but I don't want to be a slave to "the Man."  I want to work for myself, but I don't know exactly how to do that.  Since I want to travel and "do stuff" I need to earn money.  After all, when you are too young to draw off your pension, the money has to come from somewhere.  And if you are anything like me, it just doesn't feel right to spend all your savings.

The next phase is the slow-go stage.  I guess this will come after I'm old enough to begin drawing my pension.  I guess this means that since I'll be older I won't want to "do" as much stuff.  Ok, I get it.  I'm guessing this will work out pretty well since less money may equal less travel.  We will see.

Finally people move into the no-go stage.  At this time I will be at an age when my health may be failing.  Or, if I'm like my mother, my mind will go.  I'm guessing I'll be spending more money on my health than I will spend on travel or "doing stuff."  Hopefully I'll have considered this stage of my life when I choose where I want to live at this stage of my retirement.  Hopefully I'll have planned for access to health care and access to shopping and access to family.

I feel a bit gypped in the "dreaming of retirement" stage of my life.  However, even though I didn't spend a lot of time dreaming about my retirement, I do have an idea about where I'd like to live.  I have saved money and I'm still managing it and I do know of places I would like to visit before travel becomes too difficult for me.

Who knows what plans God has for me at this new stage of my life?  All I know is that I need to be watchful and aware of His presence in my life.

521.  Taking steps to rectify a situation that was wrong
522.  Accepting encouragement from my husband
523.  Making myself available to be there for a friend
524.  Watching the leaves change color and taking the time to enjoy it
525.  Culling clutter from the house
526.  Finding purpose for the day


  1. It took awhile for me to actually enjoy being retired, as I missed the workplace, and I was way too young to call myself "retired," but I can truly say that it continues to be a wonderful adventure, for which I'm so thankful and blessed. I think it helped that The Man had retirement plans, if you will, and we've been able, with God's help and blessings, to see many of these come to pass, lifelong dreams.

    All the best as you find your footing. If I can be of help, feel free to message me or email me. My blog is:

  2. I'm joining up as you newest follower.

  3. def. stay watchful for doors that open...and the things you always wanted to do but never had the time to do before....

  4. On the bright side, you have options before you! I guess now's the time for you to decide what you want the rest of your life to look like, what you really want to do with it...the world's your oyster! (I really have no idea what that saying means! :) )


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