How Feeling Old Can Work Against You In Retirement

How old do you feel today? Younger or older than your driver’s licence says? As the old adage goes ‘you are only as old as you feel’ and this is particularly important when it comes to getting the most out of life in retirement.  The people who feel productive, happy and content in retirement tend to be those who have a zest for life and feel young at heart. To them age is simply a number.

The research suggests that those who see themselves as old are more likely to experience declining health more quickly, both physically and psychologically, and thus lead a ‘smaller’ retirement.

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How to get more joy from your home in retirement

I was interviewed for an article by Over 60 and AustralianSuper and I'm thrilled to share it with you. What you can do to get your home 'retirement ready' - does your home reflect the things you want to do in retirement? I'm not talking a complete overhaul, just simple tips for enjoying the space you have.

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The right attitude is key to a happy retirement

It’s disappointing when I hear people, be they young or old, who are bitter and complain about all of the things that are wrong in the world. For those who are nearing the retirement age, I hear things like “it was never like that in my day” or “my family don’t care, that’s why they never come to visit”. Despite all of the good in the world, life seems to be pretty miserable for them. But then there are people who seem to be 'living it up' and embracing all that life has to offer. What's the difference?

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Retirement planning: my wife has it sorted, what am I going to do?

One advantage that men have when it comes to retirement is that they are typically in a stronger financial position when compared with women. Without the expectation to take time out of their careers to raise a family or care for others, more often than not they have done all of the 'right' things; worked hard, looked after their family and have a healthy superannuation balance. They have the financial side of retirement planning sorted, but often haven't stopped to think about the non-financial aspects. For example what are they going to actually do with their days? There is only so much golf one can play, and what if you don't enjoy golf?!

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How forgiveness benefits your health

Holding onto anger can never be a good thing. By the time we reach the retirement age it is inevitable that at some stage we have been hurt by actions or words of another. But holding onto that grudge requires much energy and over time this can pose problems for our physical health. There are real benefits to embracing the path of forgiveness

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What I want to be when I grow up…

If you walk into a kindergarten or prep class and ask kids what they want to be when they grow up, their eyes often fill with wonder and you receive all sorts of inspiring suggestions such as an ‘astronaut’, ‘nurse for horses’, ‘adventurer’, ‘pirate’… The list goes on. Whether it’s a real job or one that hasn’t been created yet, it doesn’t matter – at that age anything is possible.

When does it change? When do we decide that we have to be more ‘sensible’? At some stage we are hit with a dose of reality and determine that we need more ‘practical’ career goals?

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Retirement Questions for the New Year

If you are retired or have spoken with friends who have retired, you quickly learn that there is more to retirement planning than just your superannuation balance. Without a doubt good, robust financial planning is critical to positioning yourself for greatest flexibility in deciding how and when you will retire, but the health and wellbeing elements are just as vital.

So why not take a few moments at the beginning of the year (now!) to focus on what will be important to you and what you’d like to change or improve in the coming year. From a wellbeing perspective, what will enable you to look back in twelve months and confidently say you enjoyed a year that was fulfilling and meaningful to you?

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Regrets in Retirement

For many people the thought of retirement can create a level of anxiety because they don’t know what to expect – what life will look like when work no longer consumes the majority of their waking hours and how they will define themselves when their job is no longer a key part of their identity. There are also the worries of what should retirement look like and how they should be spending their time. Rather than worry too much about the unknown, I thought it would be beneficial to learn a little more about the reflections of those who have trodden the path before us. In particular I was interested to know what retirees would do differently if they had their chance again.

I’ve spent time this week exploring retiree’s reflections online and so in this blog I am sharing the most common reflections that I have come across.

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Flipping Friday the 13th on its Head!

Friday 13th is typically considered an unlucky day, one when misfortune is thought to fall upon many. There is data to show that some people are so paralysed by the superstition surrounding Friday 13th that they remove themselves from their daily activities to avoid bad things happening to them.

But rather than buy into the superstitious beliefs, why not flip the notion of Friday 13th as an unlucky day on its head and take the time today to notice the great things that are going on around you.

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Being Your Own Person in Retirement

Is it possible to spend too much time together in retirement and can this have a negative impact on our wellbeing? This is a topic that came up in a recent discussion with a good friend and Financial Planner, Christie Spence and rather than let the discussion slide, I switched into interview mode to understand her perspective having worked with clients preparing for retirement for over 15 years.  In this article we explore a challenge that many couples experience when embarking on retirement – working out how to be together in life after work, and Christie shares her suggestions for navigating this transition successfully.

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I'm thinking about studying in retirement...

Ongoing learning is important to many in retirement. Not only as a means of keeping the mind active and in good health, but for ensuring that they’re able to continue to contribute meaningfully to conversations with the people around them. The concept is great, but how to actually get started on that journey?

I know that for many people retirement provides a wonderful opportunity to return to formal study. I also know that the thought of returning to a university lecture theatre can be quite a daunting prospect.

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Planning for Fun in Retirement

Retirement life is good – you no longer have the pressure of work and your kids have likely moved out of home. You have time to finally get those jobs done like clear out under the house, and you’ve ticked off your immediate to do list. But something’s missing – that fun factor. You have the desire to do something just a little bit ‘out there’ (for you anyway) and have a deep laugh and really feel alive. 

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It’s not just about the Super, it’s about having a super life!

When we think about retirement, our thoughts tend to go immediately to superannuation and financial planning. But are they the only things we need to consider? What about our day-to-day experience - how our retirement plays out? How do we ensure that is ‘super’? For all of you out there, chances are that life is already pretty sweet (if not somewhat hectic) – you are highly valued at work or in your industry, you are surrounded by amazing family and friends, and there’s plenty going on around you to fill your days. Why should a super lifestyle not continue as we approach the retirement age?

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