The following is an excerpt adapted from Julia Valentine's book Joy Compass: How to Make Your Retirement the Treasure of Your Life. Through her research in finance, motivation, and creativity, Valentine, an author and speaker, offers a revolutionary approach to preparing for, designing, and enjoying retirement on her website, JoyCompass.com. You can also read our interview with Valentine to discover how her own family inspired her work, and to find out how you can claim a free copy of her e-book.
Aging is a fact, but how you experience it is your choice. Many research studies show that life after 50 can be the most treasured time of your life. This is because life perceptions are more positive and feelings of worry or stress decline. Research also shows, however, that a fulfilling retirement is impossible without concerted planning, which should extend beyond the requisite financial plan to encompass your emotional wants, needs, and desires.
Retirement is the time when you have already fulfilled your obligations to others in life and are now free to make some new choices with yourself as the priority. Indeed, with proper preparation and forethought, you can realize your full potential, and enjoy an astonishing quality of life in retirement. This may include working, mentoring, volunteering, traveling, learning, and anything else that helps you feel secure, joyful, independent, valuable, and carefree.
Here are 9 retirement truths that will help ensure retirement is the treasure of your life:
1. Aging brings wisdom, not decline
It has been said that what you think about, you bring about. Telling yourself you are going to flourish in retirement can become a self-fulfilling prophecy. At the very least, you might take slightly better care of yourself and, in turn, find your way into the virtuous circle of feeling better emotionally and physically, doing more interesting things, and ultimately enjoying yourself more.
2. Age is just a number
Chronological age is merely the number of candles on your birthday cake, while psychological age is your perception of how vital and vibrant you feel. Since the latter is a subjectively experienced age, you have a great deal of latitude in constructing beliefs that will either help you or limit your ability to flourish after 50. Construct wisely.
3. Creativity helps design your lifestyle
Discovering and exploring your everyday creativity is going to make a difference between boredom and the pure joy of being alive. Everyday creativity is invoked when the object of your creative efforts is your own life. It taps into our deepest need to feel useful and valuable. A creative life approach fosters flexibility and resourcefulness, helping you choose new pursuits, evolve with the changing times, and design a satisfying lifestyle.
4. Fulfilling true needs is essential
Knowing what you want and, more importantly, what you need is difficult but critical. You cannot be happy without it. Research shows meeting one’s personal needs is essential for psychological health and, consequently, for more profound happiness, serenity, and a high quality of inner life.
5. Know your motivation
Knowing why you do something is important because it will motivate you to go through with the action. Motivation is how we access the energy necessary to do anything, whether that means saving money, acquiring new skills, or staying fit to enjoy life after 50. Understanding your own intentions and desired result of any decision or activity will result in clarity, less frustration, more of what you want, and less guilt about foregoing what doesn’t meet your needs.
6. Fail to plan, plan to fail
Research proves that a successful, happy retirement is impossible without planning based on self-examination. People who plan end up with twice the wealth of people who do not. Beyond financial planning, it is imperative to take time to figure out what lifestyle needs must be fulfilled to make you happy, and then find specific ways to ensure those needs can be met. Retirement lifestyle design then becomes the driver for making good choices and building the foundation of physical, emotional, and financial health that ensures joy and fulfillment after 50.
7. Evolution trumps fear
Do not be dragged along by the changing times when you have the freedom to preside over the process. While evolution may not always mean improvement or progress, life’s progression is certainly an inevitability that should be embraced, not eschewed. Change should be revered, not feared, as with change comes new learning and growth experiences — new opportunities and ways to contribute, to be significant, and to create meaningful experiences for your self and for the people around you.
8. Joy requires harmony
A joyful life can only be truly achieved if your inner and outer worlds are in harmony – the alignment of your life’s needs and direction (which you can set to Joy, Meaning, Abundance, Fulfillment, or anything else you desire) with your inner resources, like attitude, abilities, talents, skills, experience, and personality traits. People wholly integrated at this level are conscious of their needs, emotions, impulses, pleasures, and pains. They enjoy an amazing quality of life with frequent peak experiences, are more at peace, and are less split between an experiencing-self and an observing-self.
9. Quality of life requires more than money
It is easy to mistake comfort for quality of life. An astonishing quality of life encompasses both material comfort and joy. To live with joy, it is imperative to not only identify and understand your emotional needs, but to actively work to meet them. Do this and the second half of your life will be even better than the first.
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