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Retire Outside Your Comfort Zone

June 8, 2012 RSS Feed Print

Most baby boomers have managed to survive the heavy demands of a career and raising a family. Now they are closing in on the next act in life: retirement. The time to do what you want to do when you want to do it awaits. You get to decide if you want to pursue a relaxing life of leisure or a stimulating second career doing what you have always wanted to do.

The early part of retirement often starts out great and feels like a much-needed vacation. Then slowly but steadily you notice that things you have been doing are becoming not quite as interesting as they once were. Those relaxing afternoons start to feel a bit boring and unfulfilling. And you have many more years ahead and many hours and days to fill. Doing the same thing you have been doing is not going to cut it.

Rather than repeat a recipe that is not working, take a look at options outside of your everyday routine and comfort zone. Familiar activities have a certain safety factor because we know what we are in store for and can count on expected results. But in retirement, it is important to keep engaging ourselves in an active life and exercising our minds and bodies. Something new and different can get us excited about living, not merely existing. Retirement is a perfect time to take a chance and try something totally new, something that the old you might have shied away from.

Although risk taking tends to diminish for those over 50, the additional free time you have in retirement offers a chance to take a closer look at more exciting activities to engage in. Here are a few ways to try out new activities that may be a bit outside of your comfort zone:

Create an adventure bucket list. Think about things you want to do, but have not yet tried because they make you a little nervous. The list should include exciting possibilities outside your normal routine. I am personally afraid of heights, but my 70-year-old aunt recently tried slack lining and zipped between two trees attached by a contraption high above the forest floor. My wife has parachuted, and her daughter has survived bungee jumping in Columbia. Now is a good time to balance what you really want to experience against your level of risk acceptance. A little adrenaline rush never hurt anyone.

Be creative. New activities don’t have to be as extreme as sky diving or bungee jumping. Consider taking art or dance classes or leaning a foreign language and then visiting a country where they speak it. As long as the activity is new and challenging for you it can liven up your retirement years.

Become a leader. Don’t count on others to lead the way. Following in another’s footsteps may be easier, but it’s also a good idea to take the lead on a new activity. Don’t miss out on exciting opportunities simply because you can’t find someone else to organize them.

Ignore detractors. Don’t worry about what others may say regarding your newfound adventurous spirit. Retirement gives you an opportunity to live the life you want, and the terms are no longer dictated by your employer or children.

Sticking with what you know in retirement is predictable, risk-free, and sometimes unfortunately boring. But if you consider stepping outside your comfort zone a bit, retirement can be a much more stimulating experience.

Dave Bernard is not yet retired but has begun his due diligence to plan for a fulfilling retirement. With a focus on the non-financial aspects of retiring, he shares his discoveries and insights on his blog Retirement–Only the Beginning.

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@McGRATH: With all due respect, people's lives are for them to live. Yes, retirees need to think through their actions to a reasonable degree - everyone does - but to expect them to stay at home and do nothing, simply because they "owe" something to their kids is, imho, "selfish" on the kids' part. Retirees do not owe their kids ANYTHING! For some reason, kids think otherwise. They want their "inheritances" and will scream bloody murder if any of what they expect is given to a non-family member or has been spent by the parents.

Capital Gains ARE incomes. So are paychecks from a part-time job that is often touted as a "good" thing yet, if one is successful enough to make a decent amount, the percentage soars on their income taxes that must be paid on their Social Security benefits (which they have worked their entire life to accumulate) . I find it sad that seniors will refuse to take a challenging job just because of that factor.

Personally, I think that no senior over the age of 65 (or possibly 70) should have to pay income taxes, period.

ESMERELDAN of KY 11:22AM June 12, 2012

Excellent thoughts. (money, money, money... money) to do anything costs money and just going to a B&B will cost $200 a day when all is said and done. Build a budget that allows you to separate living expenses and LIVING expenses so you can make your travel plans to pay in-advance. Then you start planning your next LIVING experience the minute you get home from your last trip! Plan on one BIG fling a year and plan it to the hilt. Go to Honduras and lay on the beach of traverse through the tree tops of a triple canopy jungle! I totally agree with your article!

Midget of NC 12:07AM June 11, 2012

No retirement doesn't allow you to live the life you want. Actions have reactions and not paying attention to them will cost everyone.

Take an example of a retiree buying property at historic low levels. If the property increases in value and the retiree sells the property at a gain that gain will treated as income in Medicare's eyes.

This will make their premiums increase by 300% - who will this affect later in life? THEIR KIDS.

Baby Boomers have been selfish their whole lives and they are being encouraged to still be selfish by the media but in the next act they will pay dearly for it

dmcgrath of MA 3:41PM June 09, 2012

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