There are few times in life worth looking forward to that
are better than retirement, unless it is retiring knowing
you will have financial security for you and your family.
Most people will spend years working, knowing retirement is
going to sneak up on them and for most people proper
planning will enable them to enjoy their years doing things
with their spouse and family that they did not have time to
do while working.
The first few months may be difficult when entering into
retirement as bad as many see the habit of working it was
something they did every day for many years. They woke up,
got ready and left for work and came home in the evening,
based on the shift they were working, usually five or six
days a week. The first few days may feel like a break,
similar to being on vacation and it may take some time
before it sinks in that the time for retirement has arrived
and there will be no going back to the job.
Retirement is not an acceptable alternative to going to
work every day for some people. If they retired after
reaching the age for full retirement, there is no problem
with finding another job. However, if they took an early
retirement at age 62, and began receiving Social Security
benefits, they will be penalized for earning the extra
money until they reach full retirement age. In most cases,
for every two dollars they earn, they will lose one dollar
in benefits.
Retiree's Time Used For Getting Re-acquainted
If couples plan to travel they usually begin almost
immediately after their retirement party, and have already
set a goal of where they want to go and how long they want
to be gone, but most retain their home as a roosting point
for the times between travel. Whether it is to go on a
second honeymoon or a celebration cruise, they will want
time for themselves to celebrate the fact that they will
not have to share their time with a job.
For others retirement is a time to participate in hobbies
they enjoy but lacked the time due to a hectic work
schedule. Outdoor activities are now possible on days other
than the weekend when crowds were a problem and prices were
higher. Typically, amusement parks have significantly more
traffic on weekends and many golf courses have reduced
rates on weekdays. Hitting the hot spots with the spouse is
a great way to get to know each other after being separated
for about a third of the day, everyday.
Retirement also gives people the time to offer their time
and talents for charity work or for mentoring others
entering the field from which they recently retired. For
those who took an early retirement they may be willing to
offer their services on a voluntary basis to keep their
minds sharp and to offer their experience in various
industries to keep busy without risking the loss of their
retirement income.
For the most part, retirement is to be the time when people
can leave the hassle of work and spend time doing the
things they have always wanted to do, but lacked the time.
However, if they failed to plan their finances, they find
they have the time, but not the money and will go back to
work to help pay for extras that they cannot afford on
their retirement income.
When it comes time to retire, whether it is early, late or
right on time most view retirement with a feeling of relief
mixed with anxiety, as they may not be sure of what they
will do with themselves. However, whatever they decide to
do once they retire, they will likely have the time to do
it.
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