Do you ever daydream about where you’d most like to live after you retire?
When you visit beautiful places on vacation, do you ever think, “Wow… It sure would be great to retire here!”?
Do you ever think that surely there must be some place out there that’s just right for you?
It’s fun to think about where you want to retire! After all, once you no longer have your job tying you to a particular area, there’s no reason not to move to a place that’s more to your liking if you want to. Perhaps you want to move someplace warmer, someplace where the cost of living is lower or someplace closer to the water.
But once you start to think more seriously about where you want to live, it becomes more complicated and perplexing than fun. There are so many factors to consider: cost of living, weather, taxes, how close you want to be to your friends and family, whether an area has the amenities you desire… It can get overwhelming fast!
With so many factors to consider, which ones are truly important?
Would you like to slow down your rate of physical decline by as much as 62%?
Want to be able to reduce or delay the risk of cognitive decline?
The answer is not some new miracle drug. I’m not even talking about exercising regularly and eating responsibility – although those habits are certainly important and you should do them too.
We all dream of a retirement in which we enjoy a free and easy life for many years. We envision a retirement in which we’ll be active, see and do fun things, and enjoy it all with good friends and family. We acknowledge that we’ll get older and slow down a little, but life will still be good.
But for a surprising number of seniors, their life is not that way at all.
What I’m going to share with you today is a quality decision you can make for yourself that will dramatically improve the quality of your life. It’s a simple behavior change.
Do you ever wonder how you’ll be remembered after you die?
At your memorial service and for years to come, what will others remember most about your life?
What do you want people to remember about you and your life?
Of course, you’ll be gone, so it may not matter that much to you. But if you’re like most of us, you hope that you made some difference on this earth with your life.
Most of us will not make a major, life-changing difference like discovering a cure for cancer or ending world hunger or negotiating the political break-through that leads to world peace. But you will inevitably have an impact on many of the lives you touch. And many of those people will want to remember you. And while the best memories will live on in their hearts, it’s nice to leave some tangible mementos as well.
What kinds of vacations would you like to take after you retire? You will no longer limited by a fixed number of vacation days at your job, and you can go anytime you want.
But have you factored your vacation dreams into your retirement planning budget? What will you be able to afford to do? You have more options than you may think.
I'm delighted to return as Mark McNease's guest on his podcast series, "Live Mic with Mark McNease" on lgbtSr.org.
Mark and I discuss a topic many of us are thinking about this time of year – vacations. Listen in as we talk about how your vacation options may change after you retire, as well as how to plan for them and afford them.
We also discuss how the vacation landscape for LGBT people has changed over the years as a result of wider mainstream acceptance and having more options available.
Give a listen!
There’s a buffet restaurant a few miles from our home called Pacific Seafood Buffet. Most of the food is Asian, and the primary draw for us is all the sushi we care to eat for one price. Of course, there are a lot of other good dishes there too: tempura vegetables, shrimp, crab cakes, and many things you typically find at Asian buffets. And there’s green tea ice cream for dessert!
The lunch price is very reasonable, so we go every couple of months. (If we went more often, we would be huge.) Overall, I stay away from buffets because they are invitations to overeat. Our visits to Pacific Seafood Buffet are no exception; often, on the drive home, we realize that we have probably eaten too much.
What does this have to do with retirement?
A lot of people, both retirees and those who are still working, enjoy vacationing on cruise ships. I have taken ten cruises that have carried me to Europe (four times), the southern Caribbean, Alaska, Hawaii, Tahiti, South America, and New Zealand/Australia. I have enjoyed them all immensely, especially the last three.
Recently, I saw a meme on Facebook about a woman who eschewed living in a retirement home in favor of living permanently on a cruise ship. When asked by the unidentified author, she claimed that living on the cruise ship was cheaper than living in a nursing home. The author went on to enumerate ten benefits to retirement on a cruise ship.
Of course, this meme had me scurrying to Snopes.com, where I expected to find this urban legend thoroughly exposed and debunked. In fact, some of the claims made in this story are inaccurate or entirely false. But I was surprised to learn that there really are people who live almost full-time on cruise ships for years at a time (and I’m talking about paying customers, not the ship’s crew).
Just think - you could travel the world, meet new people, and never have to cook or clean! Could this be retirement utopia for you?
Could living on a cruise ship really be less expensive than other options?
Do people really do this?
I'm delighted to be Mark McNease's guest on another interview, this time for his new podcast series, "Live Mic with Mark McNease" on lgbtSr.org. Mark and I talk about the transition from work to leisure, and what to expect during the final months of your working career and the first half-year of your renaissance. We also touch upon my new and unexpected career as a wedding officiant.
Give a listen!
You know it’s out there somewhere – the perfect place to retire. A place that's comfortable, classy, rich with amenities, and located in a beautiful area with perfect weather and scenic views.
Could such a place actually exist? Or is there always going to be someplace else where the grass is greener?
Of course, no place is perfect. And what may seem like Retirement Utopia to you might be completely undesirable to someone else.
But I recently visited a place that had so much going for it, I found myself wondering if I had found Retirement Utopia.
If you’re like many people, you probably don’t think much about what your life will be like after you retire.
Maybe you don’t like to think about getting old.
Forming a clearer picture of how you would like to live your life after you reach the point where you no longer need to work will help you make better plans, both financially and otherwise. It will also give you more to look forward to.
The questions in this slideshow will help you sort these things out.
What other questions can you think of? Please share in the comments!
I'm delighted to be Mark McNease's guest on another interview in his "Aged to Perfection" podcast series for his website, lgbtSr.org. This week Mark and I spoke about some of the different lifestyles people create for themselves in retirement. We also touch on identifying what suits you, and the importance of discussing your envisioned retirement with a spouse if you have one.
Give a listen!