Retirement Ideas That Put You in Charge
What do you think about when retirement ideas are brought up? Free time, excitement, easy money? Do you have positive expectations or do you have thoughts of being old and not as useful anymore?
Suppose you are one who loves what you do and struggles with the thought of life without working or bringing in a paycheck. I suggest you consider eliminating the word retirement from your vocabulary and instead focus on restructuring. This is an entirely different mindset that involves creating the life you desire.
Job, Career, or Passion?
Which one are you involved in right now? Are you simply doing a job at the tail end of a career, or doing something that you would do even if you would not get paid? If it is the latter, then move towards that. Restructure your retirement ideas to include doing what you love to do . . . Your passion . . . Your life's work. Here are some ways to help you do just that:
1. Get out of Debt
There is absolutely no way that you are going to want to owe others money when you are older and the paycheck is no longer there. Instead of relying on that retirement or government check, restructure your finances now by creating a household budget that is realistically living below your means. Make it a goal to do whatever it takes to save 10 to 20% of your take home pay now.
2. Consider Continuing to Work
It is okay to want to keep going, and not simply for the money. After having worked 30 to 40 years in a particular career field, you have a lot to offer others. Your skills and abilities are such that others could sure use. Consider a more mentorship role with the company who recognizes this value. Read Dan Miller's books, 48 Days to the Work You Love and No More Mondays to help you take these next steps.
And if you are mentally through working for someone else, consider continuing to work with your own information business.
3. Become an Infoproneur
You know all of that information, skills, and abilities you have accumulated over the years? Yes, the stuff you can do in your sleep and have taught countless others to do, maybe even your own replacement. Well, put it all down on paper and create information products such as articles, eBooks, and videos helping others learn what you know. And yes, you can make good money doing so; not simply creating a website, but a business that both helps others and also adds to your income when you no longer working at your "j-o-b".
When you are ready for the next level and want to learn more, let me know and I would be happy to help you.
4. Embrace a Lifestyle of Flexibility
The retirement ideas so far point to more of the freedom to choose a life of restructuring as opposed to retiring out to the pasture of uselessness. Start to scale down things a bit as you realize the change in environments is inevitable. Maybe you reduce work hours or make a needed move. Properly restructuring your life heading into the "retirement" years allows you to make the changes you want when you are ready.
Oh, and be sure to ask God what he wants. Put yourself in a position to be open to help others by restructuring your retirement years as opposed to collecting a pension or Social Security and simply putting yourself out to pasture.
On Your Way Out
As you begin to wind down your highly productive years and prepare for the next phase, avoid the word retirement in your vocabulary. Instead, embrace a restructuring and its infinite possibilities.
Begin now to create an established the life style that best suits your personality and goals. These are the best retirement ideas. Here is an outside article on typical retirement mistakes.
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