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Retirement planning Retirement can be a most enjoyable period of the life cycle, one of productivity and self-realisation. However, for many people it can bring considerable unforeseen sadness and stress. This is mainly brought about by inadequate planning and changes of relationships. Studies show that very few people plan for it until just before the time. What are the main problems? Common problems in retirement are:
Loneliness Loneliness is a terrible problem; it can lead to depression and a feeling of worthlessness. A common mistake is to sell the family home and move to another location, usually in a small unit. This separation from old friends, neighbours and family can cause much heartache. It often happens to country people who move to the city. You need your family around you, especially if your spouse dies. You should give consideration to keeping your family home, because it encourages your family to visit you. Children often interpret a move to a small unit as 'don't come and stay with us', although this may not be the intention. Financial security You really need sound advice for a secure financial future, including investments. Try to work out your finances 5 years in advance and allow for inflation and home maintenance. If you own your home and car, you have a good basis. Health You need good health to enjoy your deserved retirement. Take care not to get into bad eating and exercise habits. Plan a sensible, healthy, balanced diet. Avoid smoking and excessive drinking. Regular and effective exercise is important. Appropriate exercises are walking for 20 minutes each day, swimming, cycling and golf. Activities Retirement gives you the opportunity to devote more time to those interests and hobbies that you already enjoy. It will also give you the chance to pursue new ones. There are many agencies that will provide information on programs for the retired, adult education courses (especially in the arts and crafts) and community work. If your hobby can supplement your income, that is a bonus. Useful activities include sports such as bowls, golf and tennis, travel, nature walking, voluntary or part-time work. Many retired people get considerable pleasure out of carpentry and woodwork.
Housing Keep your family home if you can. Carefully weigh up the pros and cons of moving-it can bring much stress, worry and financial problems. As you get older it is most important to have transport, shopping and medical facilities nearby Companionship Good friends and neighbours are excellent 'insurance policies' for a happy retirement.
Try to keep in contact with your valued friends. The relationship between husband and wife
will be tested, as you have to spend much more time together. Sadly some couples cannot
cope with this 'under my heels' syndrome and marital breakdowns do occur. Make sure this
does not happen to you. Copyright 1995: John Murtagh, Professor of
General Practice
North
East Valley Division General Practice, Victoria,
Australia, Disclaimer |
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