The Myth of Retirement

Once upon a time, I believed what I saw on TV. When I heard the term “retirement,” it brought a most pleasant time of life to mind. I watched my parents get there. I was happy for them when they’d arrived. Having worked hard all of their lives, it was nice to see them living it up and enjoying themselves.

The myth of retirement looks something like this:

  1. You stop working
  2. Start spending money
  3. Spoil your kids and grandkids
  4. Travel
  5. Do all the things you dreamed of doing when you were working and couldn’t
  6. Die peacefully in your own bed
  7. Angels escort you to heaven; cue heavenly choir

Unfortunately, for most people, this is fantasy. If you’re lucky, and you managed to put some money away, then steps 1 through 5 are certainly a possibility. However, there’s a significant step that no one wants to consider before you get to 6 (and your step 6 may not be “peaceful” or “in your own bed,” either).

For the vast majority of us, there will be a period of 20 to 30 years of “post retirement.” This is that sad time when we’re no longer able to travel at will and do whatever we want, because we’re sick or disabled. We are seeing doctors more than our loved ones. The time and expense of these visits puts a strain on our assets and our energy reserves.

If this is bumming you out, I apologize, but, dear reader, you need to wake up. Very few people have the luxury of going to bed healthy and happy and simply not waking up.

So here’s a suggestion: read a book that will introduce you, gently, to some harsh realities. Sit with the feeling for a little while. Then take action. Review the 8 Topics (they’re in the book). And if you want help from there, ask for it. Don’t myth out.

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