Downsize, Snowbird or Stay Put?

Relocate? Stay where you are? Second Home? Snowbird?

Before choosing where to live in your new retirement, there are several important questions to consider.

Key questions for choosing where you want to retire.

  1. Are your kids going to move back home?  Do you want them to?
  2. Is your current residence manageable? By manageable, I mean; financially (taxes, mortgage, utilities), physical accessibility, friendly climate, repair and landscape upkeep.)
  3. Do you want to stay in the area you live in?  Or have you dreamed of moving closer to family, the mountains, the coast or a different country or living in an RV or boat?
  4. Are you situated where you can ‘age in place?’
  5. Can you afford to buy a second home to retreat to and fill those desires
  6. Have you thought about the thousands of “snow-birds” who live six months in their “home residence” and six months in their dream location?
  7. Have you thought about a “house swap” to try out those locations?

Evaluate your Answers

Answering these questions will narrow your choices and move you closer to your ultimate plan.

 

 Remember this:  nothing is concrete (except, of course, concrete).  If you make a choice and it doesn’t work for you, it can be changed.

My location certainly has changed during the years I’ve been retired.

Three out of 5 Americans want to spend their golden years in another city or state, according to a national Bankrate survey. A majority said they’d be interested in moving, regardless of gender, income and education, though wanderlust did seem to fade with age.  See this complete article at  bankrate.com/retirement/3-in-5-want-to-retire-somewhere-else/

Look at one couple’s experience:

Several friends of ours have moved into age restricted communities.  These come in all sizes shapes and costs.  Choose something that works with your retirement budget in an area that you are excited about and check it out.

One couple we know moved into a suburban neighborhood.  Being retired with their children grown, graduated from college, working in their careers, married with children, the couple thought that living in a nearby neighborhood would be just the ticket to get to see and be involved with their grand-kids lives.

This worked for a while but then the grand-kids grew and had their own interests and lives as did the other younger neighbors on the couple’s street.  Without the involvement of their own children’s school age kids in sports and activities, they found it difficult to nurture any active social life in this neighborhood so similar in age as their own adult children’s.

Ultimately, they moved to a retirement community where every day offers choices to participate in tennis, golf, dances, theater etc.  Very little effort is required to become involved in an age-restricted community and it’s easy to say yes or no.

The best advantage is that there are so many choices of activities with people who have a lot in common with you.  They felt like they had extended their family.

Downsize, Snowbird or Stay Put

Today the accomplishment of your goals is determined by you, not work constraints or others’ opinions. If you want to accomplish these goals, do so.  If you don’t want to, don’t. Just forget about it. But realize that at this time in your life,  what you do is your choice.

In all of this exploring and self discovery, please remember this: small changes can equal big results.  Eat less, spend less, sit less, stress less, watch TV less, worry less, be active more.  Get up and walk around the block or skip, skate, run or ride your bike.  Your choices equal your results. When you choose a job, neighborhood, location or partner, YOU choose a life.

Homework:  Grab a sheet of paper and brainstorm all your answers to the above questions.  Add a little research, mix it with desire and see what your retirement possibilities reveal.  There are good doctors and dentists, hairdressers and grocery stores most everywhere. So, get started!

Dixie

writers@richlyaged.com

 

 

Learning New Things – Okay like What?

 

In our last post, Dixie talked about learning new things.  But what?  Glad you asked!

Most of our friends started tennis AFTER retirement.

Below are a few suggestions that come to mind.

  • Study Art History
  • Play the Piano or any instrument
  • Take up Tennis, Golf or Tai Chi
  • Understand classical music or any other type of music
  • Become a master Yogi
  • Take up painting, watercolor, acrylics, and oils. No? Paint the house?
  • Knit, Crochet, Sew
  • Learn to make magnificent sauces.
  • Horseback ride
  • Make jewelry.
  • Woodwork, build a boat and on and on

Explore your options

Don’t second guess yourself.  Incubate your idea of who you are and let it live. You may have formed restricting opinions about your abilities throughout your work years that aren’t actually true. Discard those opinions and test it yourself.  You are different now than you were when you approached the idea in the past and the idea may be associated with a negative situation that no longer is relevant.  Give it a chance.  Learn new things.  You’ve got time!

“Whether you think you can, or you think you can’t–you’re right!” Henry Ford

Maybe your adventure list includes wishing you could play the piano whether to dazzle your friends at gatherings or simply to entertain yourself with the music you’ve enjoyed throughout your life. Make a plan. Start by selecting a nearby instructor who is affordable or a friend who plays and begin at the very beginning or take up where you left off in childhood.

The key is START.  Give it a fair amount of time and if becoming a pianist is a fit for you, then keep on. Remember though, new ventures take time for mastery and can be frustrating, but it takes a grain of irritating sand to make a pearl.  In retirement, you have time.  That fact is as beautiful as the pearl!

Take up a sport, or go back to school!

This scenario applies to tennis, art history, sign language, jewelry making, flower arranging, golf, ice skating, kayaking etc.  Your list could go on and on.   Learn a new language or audit a college course where you don’t have to write the papers or worry about the grades.  Your choices are infinite.

Try a new sport or resume one from yesteryear.  There are benefits from an active, competitive sport combined with exercise.  It’s good for you; it’s fun and you meet other retired people with like interests.

If it’s not tennis, then play golf, bocce ball, softball, bowling, shuffleboard, or swimming. Take up archery, ballroom dancing, or bicycling. There are so many opportunities to exercise and play with others.  Have fun and keep active.   If you still have an unmet need to compete and advance since you retired, this could be the answer to that void.

Learn a language; it’s good for you!

How about learning a new language?  This one is great for your brain!  Well, actually, every single one of these ideas help us to age positively and live the kind of vibrant lives we seek.  There’s all kinds of evidence that learning new things is good for us – both physically and emotionally.  Check out this article.

What are we learning?

Here are some of the things Dixie and I have done over the past couple of years to keep on learning.  We both learned to play tennis and now play on a couple of teams.

Music makes you happy and builds brain power!

We took ballroom dancing lessons with our husbands last winter.  I never thought my husband would do it, and I could barely drag him off the floor.  I’m studying Spanish and learning to play the Ukulele – with varying results on both!  Dixie took a painting course and produced some really great stuff.  And we’ve learned how to blog – a never-ending learning curve!

I agree with our old friend Henry Ford who had something else to say about learning.

“Anyone who stops learning is old, whether at twenty or eighty. Anyone who keeps learning stays young.”  Henry Ford

We’d love to hear what you’ve been learning over the past few years.

Pam

Writers@richlyaged.com

Retirement 14: Create your personal Adventure List

 

Before you create your personal adventure list- Let’s define adventure.

There are as many definitions of adventure as there are types of adventures to be experienced.

Majestic Adventures

Define adventure.  

Adventure is getting out and being bold. It’s trying new foods or new activities to say you’ve done it. It’s anything that pushes your routine and comfort zone…but most of all it’s fun and thrilling.

For our purposes, adventures for Baby Boomers and retirement generally means something outside your day to day routine, Not necessarily risky but risky in that it pushes your experience level and maybe your comfort zone but is still something you’d like to try.

Adventures can be broken down into all types of new activities:

  • Boating
  • Culinary
  • Tourism
  • Sports activities
  • Mountain climbing
  • Skating, Skiing
  • Outdoor recreation
  • Educational pursuits
  • Games
  • Languages
  • Glass fusing, art
  • Travel
  • Musical instruments
  • Dance
  • Exploring all National parks
  • Visiting Natural wonders of the world
  • Deep sea Diving
  • Writing, blogging
  • Photography
  • Gardening, painting, ceramics, wood working, etc.

In summary, an adventure may include learning or trying something new to you.  Something that you are curious about and excited to experience.

You’re much more likely to make your wishes come true if you write down exactly what it is you want. This list is limitless.  If there are limitations, they are individual to your own restrictions.  Maybe these are physical restrictions, maybe financial, maybe health restrictions but for the most part…it’s all wide open

How do you start? Here’s an ‘adventure example’

Continue reading Retirement 14: Create your personal Adventure List

Retirement 13: Explore, Dream New Adventures

                                                     

 Time to explore new adventures.

So far in this, Baby Boomer’s Guide to a Happy Retirement, you’ve been encouraged to replace old “work think” with new “retirement think.”

Fill your own bucket with your Dreams and Goals.

You’ve also been encouraged to “drill deep down inside” and release those forgotten seeds of your visions for the grown up you. Now you are being asked to push the edge of your experience and knowledge levels and try new opportunities.

This chapter is designed to plant those very seeds that will take you from spectator to participant.    Let’s see if we can pique your interest in some long forgotten adventures.

A “bucket list” is about dreams or goals.

Sometimes, when we steal a few moments to reflect, we might have a tiny tinge of remorse – for the undone or the unaccomplished during our determined mission of always paying the bills and caring for the family.  These regrets might be about the things you once imagined in your life or hoped for in your future but learned to live without.

Can you conjure up those passed-over thoughts now that you are in this wonderful new phase of your life?  Are they, or a version of them, now obtainable?  Is it possible or even probable that you can realize those filed-away dreams?

The recent movie “The Bucket List” capitalized on the idea of the dreamed for and not yet attained.  Its popularity has been nurtured with the current Baby Boomers coming of age and exploding  demographically.

Two of my husband and my dreams and goals were:

  1. Buy a floating home (not a houseboat- they have motors) and live on a river in the Northwest.

    Dream of living in a floating home. Ours on the Columbia River.
  2. Full time in a motor home for a couple of years while travelling our nation.

    Our full time motor home for 18 months dream

 Define Dreams and Goals?

Continue reading Retirement 13: Explore, Dream New Adventures

Retirement 12 – Create your Ideal Retirement Life

Settle down with a cup of coffee for a little bonding time

Gather up the essentials – your significant other, a crisp glass of chardonnay or a strong cup of coffee, and your imagination – to create your ideal retirement life.  This is a wonderful conversation, so prepare to linger over it.  The sky is the limit.  Don’t be discouraged by incidental problems like a lack of money.  Dream big!  You can almost always find a way.  We’ll talk about that later.  The important thing is to figure out exactly what it is you want your ideal retirement life to be.

We’ve had many of these conversations over the years.  We usually start by each making a list of what we want to do in the next couple of years.  Then we share them with each other and consider how we can make the lists come alive.  It was one of those conversations that got us to Florida 15 years before we retired.  We knew we wanted to be somewhere warm when we stopped working. Continue reading Retirement 12 – Create your Ideal Retirement Life

Retirement 11: Outline Your Ideal Retirement Life – Embrace Happiness

Know what you want and go and get it!

Before you begin to plan the nuts and bolts of your ideal retirement, make the life-changing decision to embrace happiness.   This may not be as simple as it sounds, but it can be done.  So much of how we feel is a decision.  Consider the example of Abraham Lincoln.

President Lincoln said that we’re just about as happy as we make up our minds to be.  That’s truly amazing when you consider that he suffered from melancholia (clinical depression) and that he had recently lost a beloved son and was responsible for steering the nation through a brutal Civil War.

If Lincoln could decide to be happy, surely we could give it a try!  Here are some proven ways to raise our level of happiness.

Proven Happy-Makers

1.  Be non-judgmental. This doesn’t mean you don’t have standards.  It just means that you’re willing to take people as they are.  We can never change the other person; all we can change is our reaction to that person. Continue reading Retirement 11: Outline Your Ideal Retirement Life – Embrace Happiness