"It took me a while to figure out who I was. It was a difficult transition. At first, I literally couldn't say the words — 'I'm retired.' "- Nancy Schlossberg, a professor of counselling psychology at the University of Maryland.
Most of us are heard speaking big about retirement. “Oh! Finally, the holidays will arrive; I am waiting for them," “after retirement, will take a trip to Las Vegas," and things like that.
But when the day actually is about to arrive, and the convocational flowers and cards start reaching your desk; it is not easy.
You get nervous, slightly excited, that till date, you have worked for making farewells successful, and tomorrow, it's going to be yours, But you are not happy.
Besides money, it is more of an emotional combat to deal with retirement.
You, worked for almost 30 years or more, in office structure, meeting colleagues, sharing lunch together, and coming back home at a fixed time, retirement means a shift of identity.
The next day of your retirement you won’t have any of the activities, you have been doing for nearly half of his lifetime. An emptiness, that suddenly reminds of the last day of school, or the convocation ceremony day in college. But it’s a part of life, and you have to take it as it comes.
Finance: Retirement causes a kind of insecurity and anxiety in most people, of how they are going to survive without a regular monthly salary!
Researchers have found, that a common man requires 90% of his pre-retirement income to maintain the same lifestyle when he is no longer working.
Well of course, retirement should not mean compromise for you. Make your financial plans much ahead.
Start saving, continue saving from your salary, while you are still working. Invest wisely in company retirement policies, reliable insurance firms and with banks, to keep funds coming into your accounts recurrently, even when you are at rest.
Psychological preparation for retirement: Mostly, the sense of retirement brings boredom along with it. A fit and fine person is suddenly told to be at home one good morning, and it is going to be a continuous process now.
Often it creates a kind of frustration in the mind; you want to break-free, though you have been hoping to rest so long, this rest period doesn’t seem agreeable to you, because it is never going to end. In the USA, retirement generally doesn’t come before 70, while in India, retirement age is 60 in general.
A retired person may sound agitated or rude in the initial days, but it is important to keep a check that the frustration does not exceed the limit, beyond which you feel yourself to be worthless.
Keep yourself ready for the situation. Mentally start accepting, that after the prescribed date, you will leave your old monotonous life and start a fresh chapter, an unknown episode in your life.
Plans for retirement: Make retirement, a new beginning for you, instead of calling it an end.
Life is long, and time is short, so utilize each moment to the fullest. There are many more exciting things beyond your 9-5 job.
- Get yourself engaged in your hobbies, they have been ignored so long. If you are a writer, start your new book with #TheDay. You never know, this practice can actually lead you towards a brand new profession.
- If financial security is not an issue, start preparing for trips with your partner, and go all #AroundTheWorldInEightyDays. There are so many places in the world that you have wished to visit, but time had never permitted you. Start afresh with the ones near your reach.
- If you have wanted to do something of your own, today is the day to start up a fresh business plan, or invest on your interest to find a new genre for yourself.
- Increase your contacts. Meet your friends and relatives at regular intervals, or organize get-togethers and parties at home to keep your social life active.
- If your parents are there, and you have unintentionally ignored them, being employed, it is the day to compensate. Make them feel once again, that you love them, spend time with them. Do some small things every day, that can give them joy.
- You can also employ yourself in some social work, that will always keep you in positive spirit.
What you should not do:
- Do not brood over your old days in office. Stop re-uttering, “I have been an expert in my office; everyone appreciated my work” or “every afternoon the lunch hour used to be a gala time."
- Do not let your ego overshadow the appreciation for good work. Many a times, it happens that you have been in a very senior role at the time of your retirement, which stops you from accepting any decent work in future, because there is someone senior overseeing you. Always keep yourself ready for service, if it suits you.
- Manage your temper. Do not vent your frustrations on your family. That can ruin your personal relations when you most need them.
Sometimes you should not plan anything; life will come to you with surprises. Let yourself adapt to each new day. If you are hyperactive, you can start planning for a jungle ride with your old friends who is also retired, or may be a safe and short trek. Basically, enjoy your retirement, as a long and good vacation like we used to do for our school summers.
When you enjoy each day, whether you are working or not, you will be healthy and hearty.