Retirement Tips - 1
Part One of excerpts and highlights from the notes I took in a pre-retirement class (October 2010) ...
If interviewing for a new job, be sure to:
- have a separate, professional email address
- prepare a business card and/or an index card with a thumbnail of who you are, what you're seeking, and how to contact you
- craft and practice delivering a "Sixty Second Infomercial" about:
- remember that:
- older workers tend to learn slower but make fewer mistakes than younger ones
- net health costs for older workers are about the same as for younger ones
- there's a linear relationship between age and time to get another job; it's easier to transition immediately to new work than it is after taking a sabbatical
- be sure to always have a résumé available to give to anyone you encounter at any time — in a grocery store, a parking lot, a hallway, wherever opportunity knocks
In general, and especially if leaving the workforce for good:
- pay attention to issues of health insurance and long-term care insurance
- prepare for the possibility of being incapacitated and the certainty of bequeathing an estate
- be positive: a "Hey, this could be fun!" attitude is far healthier than focusing on the negatives of aging
- look back at your life and set the stage for self-assessment: an excellent goal is to be able to say: "How did I deal with the Big Ones? I think I did all right!"
- live in the present, and develop an attitude that you're retired TO, not retired FROM
- at your going-away party, keep it short: "Get up, speak up, and shut up!"
- during the first ~9 months after retirement, check your list of goals; be prepared for a "downer phase" which will pass as new structure emerges after ~18 months
- extreme workaholics and introverts have the hardest time figuring out what to do in retirement
- "Are you physically active?" is the single most important factor in retirement health; exercise to get your heart rate up for ~20 minutes or more per day
- the top three priorities in retirement are:
- keep a healthy body for as long as possible ("Your body is your #1 asset!")
- get out of the house and be in contact with others several times per week: hobby groups, part-time jobs, volunteering, etc.
- keep your brain challenged, with crosswords, knitting, fixing old cars, whatever
- consider studying and getting another degree
- "The same-old same-old for the next 25 years is a B-minus retirement. This is the first phase of your life when you can do anything you want to do!"
Further notes on retirement strategies to follow ...
^z - 2012-04-14