The Retirement Wisdom Podcast

In this episode, we catch up with retiree, author, and blogger Bob Lowry, who has been blogging about having a productive and fulfilling retirement at Satisfying Retirement.com for the past 9 years.

How to Retire to a Satisfying Retirement

Want to retire smarter? Forge your own path. Bob shares his insights and practical wisdom on the essential ingredients in a satisfying retirement, the key obstacles that need to be overcome, and the lessons he’s learning in his own retirement.  We also discuss the benefits of a short sabbatical and what a Radical Retirement looks like for some people. It’s a conversation that will give you some interesting retirement ideas to consider.

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Bio:

Bob Lowry is the author of Preparing For Your Financial Future After Retirement, Preparing For Your Active Life After Retirement, Preparing To Make The Most of Your Free Time After Retirement and Living a Satisfying Retirement.

Bob has been profiled in Money Magazine & CNN Money, as well as Ad Age Insight White Papers. He is a featured author in the nationally released books, “65 Things To Do When You Retire,” “65 Things To Do When You Retire -Travel,” “70 Things To Do When You Turn 70,” and 80 Things To Do When You Turn 80.” as well as an original contributor to PBS’s website, Next Avenue.

For the past 9 years, Bob has been blogging about having a productive and fulfilling retirement at Satisfying Retirement.com

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Wise Quotes:

On the Transition to Retirement and Adaptability

“There’s fear of the unknown because none of us walked down this path ahead of time. It’s all brand new from the first day you do it. I take it that the fear of the unknown is probably the biggest.

Well-meaning advice of others can get in the way. It’s great to hear what other people think, but you’ll drive yourself crazy if you try to say, “I’m going to have my retirement just like that guy, or just like my father-in-law, or just like whomever.”

Trying to follow what others do is probably the second biggest mistake. I think maybe since retirement really is a journey, you got to be ready to change whatever it is you’re doing, your plans, how you live, where you live, the direction of your life. You got to be able to change that when it’s not working. Assuming everything that you thought was going to happen will happen is wrong, and sticking with a plan you made forever, just because you made the plan, will not work.

It’s just like virtually any part of life or any time of life. It changes and you are going to have to learn to adjust to that change. But I would say that’s an exciting part because retirees are no longer restricted to whatever path has been previously determined. I can decide tomorrow to write a blog about, I don’t know, something else. I can decide tomorrow to move into my RV. I mean, there’s all sorts of possibilities. It’s that ability to abandon a plan, abandon what you think your life is going to be like, and follow the path of what you want your life to be.”

 

For more on Bob Lowry: 

Bob Lowry’s website: Satisfying Retirement

Bob Lowry’s Books on Retirement

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About Retirement Wisdom

We help people who are retiring, but not done yet, discover what’s next.

A long retirement is a terrible thing to waste. And a meaningful retirement doesn’t just happen by accident.

Schedule a call today to discuss how we can help you make yours great.

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Related Retirement Podcast Episodes

The Soft Side of Retirement

Prepare for Your Retirement Transition with Research-based Ideas

How do you prepare for retirement when you love what you do? It’s especially hard when your work has become who you are.In this episode we talk with Michelle Pannor Silver, of The University of Toronto, author of Retirement and Its Discontents: Why We Won’t Stop Working, Even if We Can. Michelle shares what led her to research retirement and write her book; how identity can make retirement challenging for some people; and what factors influence the timing of when people in different professions are ready to retire. We also discuss how ageism is costing organizations and societies across the world. We close with her recommendations on preparing for retirement, based on her research. She shares valuable tips that if you’re planning for a transition to retirement you’ll keep top of mind.

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Bio

Michelle Pannor Silver is an Assistant Professor at the University of Toronto with joint appointments in the Department of Sociology and the Interdisciplinary Centre for Health and Society (ICHS).Dr. Silver’s primary areas of research include: 1)Work, Aging, and Retirement; 2) Health Information Seeking; and 3) Perceptions about Aging and Health.

Her book, Retirement and Its Discontents, was published in 2018 by Columbia University Press. Dr. Silver holds cross appointments in the Dalla Lana School of Public Health/IHPME and the Institute for Life Course and Agingat the University of Toronto. Her research has been supported by grants from the Social Science and Humanities Research Council (SSHRC), the Connaught New Researcher Award, the Mitacs Accelerate Program, the UTSC Research Competitiveness Fund, and the Healthcare of Ontario Pension Plan.

She received a BA, BS, and MPP from the University of California, Berkeley, and a Ph.D. from the University of Chicago.

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Wise Quotes

“In my book, I explained that a fundamental tension exists between the autonomy, and flexibility, and the lack of boundaries that are associated with retirement and our instincts to maintain structure, a sense of social connection, and personal fulfillment. I explained and I argued that retirement has been socially constructed in a way that can give rise to feelings of great discontentment as it stymies some things in favor of others. The people that I interviewed, they struggled with that tension. Some reconcile that by drawing themselves into new ways of recalibrating their identity.”

“I do write about people who were discontented, who experienced really dark points in their life, but it’s important to recognize that there is a positivity effect available. If we can just take stock and get rid of the excess and focus in on what’s positive in our life, I think that is going to be a good thing to keep in mind. The other two, I’ll just quickly share are the idea of practicing of preparing for the transition. Like many of us, we don’t take lunch breaks, work all through our adulthood, literally eat at the computer. I’m not saying you have to go for a walk every day at lunch. I’m saying that if you’re planning to retire at a certain point, then prepare for the transition.”

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For more on Michelle Pannor Silver

Please visit her website

Read Michelle’s book Retirement and Its Discontents

Commentary on her book:

University of Chicago Magazine Spring ’19: When what you do is no longer who you are

Times of London Literary Review

Our review of Michelle’s book

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Related Podcast Episodes You May Like

The Joy of Movement – Kelly McGonigal

How Can You Be Better With Age? - Alan Castel

Design Your Life and Get Unstuck – Dave Evans

Do you need a wake up call?

Welcome to the third episode of our Noteworthy Series, where we highlight an article that we think warrants your attention and host a conversation with a relevant guest.

Today’s article is The Power of Wakeup Calls by Gregg Levoy (Psychology Today – July 2017).

Our guest is Richard Losciale, who experienced his own personal wakeup call that changed the way he lived his life – from being focused on the aspirational to being focused on the inspirational.  As Rich listened to his inner little voice, he worked hard to recover from being near death and transformed his life by shifting his mindset to his higher purpose and developed a stronger sense of who he is. His company, Neo-Seniors Services LLC, focuses on improving the well-being and mindfulness of those who are looking to optimize their senior years and live better lives.

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Wise Quotes

On Listening to The Inner Voice

"If you hear the little voice inside you, that's really your big voice. That's the voice you have to listen to. That's what we don't need a vacation from and that should be our guiding monitor in life. That is the spiritual voice inside all of us. I do believe we're spirits having physical experiences and not the other way around. If we listen to that intuitive spiritual voice inside of us, however quiet it is ... It's a noisy world. Sometimes we can't hear it anymore for all the tick-tock that's out there. We'll be in better shape collectively, individually, as a tribe, as a species, as a nation and as a global community."

On Habits

"I really try to balance the inspirational with the transfer of knowledge and to help people break out of old habits. Mark Twain had one thing that he said amongst many wise things. That you cannot throw bad habits down the stairs. You have to walk them down step by step. That's what I try to help people do. Identify the bad habits and then recognize they can't just jettison them, they have to walk them away slowly and that it takes practice, commitment, self-trust and the help of others around them. So we're all in this together."

 

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For More on Richard Losciale:

Neo-Seniors Services LLC  website

 

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About Retirement Wisdom

We help people who are retiring, but not done yet, discover what’s next.

A long retirement is a terrible thing to waste. And a meaningful retirement doesn’t just happen by accident.

Retire smarter. Schedule a call today to discuss how we can help you make yours great.

Can You Pivot & Start Your Own Business?

Forced retirement is a challenging experience but it can open up new possibilities you may not have otherwise considered, such as entrepreneurship.

Join us as we discuss making the transition from corporate life to entrepreneurship with Lorette Pruden, Ph.D., a chemical engineer turned Business Coach and Advisor.

Lorette shares insights and advice from her own transition and her work with her clients, how to avoid common mistakes, how to leverage a virtual organization, and why it takes a different mindset to win as a business owner.

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Wise Quote:

“(There’s) another formerly corporate outlook that gets people in trouble, which is, “I know what it takes to win.” You might know what it takes to win the game that you used to be playing, but now you’re playing a different game.

One of the things the new business owner has to figure out is what game they are playing. Is it chess or is it checkers? It’s the same board, but you need to know. There are bigger risks if you’re playing chess than if you’re playing checkers, right? Is it cricket or is it baseball? What are the rules? Why is it different? It looks kind of similar, but it turns out it’s not, so there’s some learning, a pretty steep learning curve, to figure out what is the game that you’re playing.”

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Bio

Lorette Pruden, Ph.D., has helped hundreds of small business owners, sales professionals, entrepreneurs and community leaders grow their businesses and manage that growth since 2000. She specializes in the Formerly Corporate—so many small business owners who’ve worked with her come from a corporate background that she finally wrote the book on it.

How does she help? Working one-on-one or in one of her business growth teams, Lorette delivers strategies that work, focus and structure, collaborative teams, and accountability. She is a Princeton chemical engineer turned entrepreneur, who works at the intersection of business and people processes. Her career spans three (so far) phases:

Chemistry—what is that?

Chemical engineering—how does it work? and

People—who’s going to make it happen?

Lorette consults, trains, coaches and inspires her clients to

Create strategic alliances and referral partnerships

Create a customized system of cultivating continuous referrals

Tap the collective wisdom of the mastermind team

Develop a business that is self-sufficient and

Produce enough profitable business to support the life they want to live.

Lorette was President of the National Speakers Association, NJ 2010-11, and has served on the Boards of the Institute for Management Consultants NJ, the NJ Youth Symphony, and the NJ Council for Farmers and Communities. She is a BNI member, and has run the Montgomery Friends of Open Space Farmers Market since 2003.

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For more on Lorette Pruden, Ph.D.

Lorette’s website

Follow on Facebook

Lorette’s book Formerly Corporate: Mindset Shifts for Success in Your Own Business

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You May Also Be Interested In

Forced to Retire Early?

Why People Make a Career Change with Purpose Top of Mind – Chris Farrell

Will You Be an Entrepreneur in Your Second Act Career? – Dorie Clark

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About Retirement Wisdom

We help people who are retiring, but not done yet, discover what’s next.

A long retirement is a terrible thing to waste. And a meaningful retirement doesn’t just happen by accident.

Retire smarter. Schedule a call today to discuss how we can help you make yours great.

There's Much More to FIRE Than Frugality

There’s a lot of chatter about the FIRE movement. Chris Mamula, who retired at 41, joins us to discuss his journey to early retirement, the upsides and the challenges of FIRE, why the transition can be challenging, and his advice on what it takes to retire early with the FIRE Movement.

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Bio

Follow Chris at  Can I Retire Yet?

Chris’ article in MarketWatch:

This first year of early retirement has been one of the hardest of my life

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Wise Quotes

On The Transition to Early Retirement

"Like a lot of people planning for retirement, I think I kind of had this vision in my head like I was going to have total freedom and that was really appealing to me. And what I've really found in this first year is that I really desire some routine and some structure. I think when every day is like a Saturday, that sounds really appealing when you're working 40, 50, 60 hours a week from Monday through Friday. But even when I was in my career, what I found was I would get up every morning at like 5:00. I would do my workout, I would shower, I would write for about an hour all before I went to work, and that forced structure caused me to get things done.

A lot of times when I was working, on my Saturdays, I would find my days would just blow by and I wouldn't do anything productive, and that's kind of what I found myself doing some of these days. You feel like you're going to have so much free time, and it just gets filled.  And if you're not very intentional about how it gets filled, you find your days can start wasting away. I actually like structure, and I'm trying to implement that in my life now. We don't have a set routine yet. We keep modifying things with the move and with the change in seasons and with having a young child, but I'm trying to find that structure and that routine."

 

On Purpose

"I think you read a lot as you start to get into retirement planning that you shouldn't retire from something, you should retire to something, and I think that's great advice.  Because I think in my career as a physical therapist I got to witness people longitudinally. People would come in and then they'd come back years later with a different problem, and I had a particular physician who I became friendly with, and I got to know him fairly well as a patient. He came back years later with a different problem after he retired, and he was always a really jovial, happy guy. And I asked him, "I assume you're loving retirement?" He said, "Oh, I hate it." I said, "Well, why?" And he said ... he just felt like he lost his purpose, and he said, "The only thing I like to do now ... I don't have anything to do, so go work out five, six hours a day," and he ends up tearing his rotator cuff, which is why he's coming to see me because he was over-working out. Now he was really depressed because he lost that. So, I think a lot of people don't really think ... and I think I was this way  ... with much thought as I put into this. I've been writing about this for five years, I don't think I put enough thought into what it was going to look like. I think we tend to really focus on the financial side, and kind of underestimate the quote, unquote, "Softer side," of this, but it's very important, and a lot of people struggle with that."

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About Retirement Wisdom

We help people who are retiring, but not done yet, discover what’s next.

A long retirement is a terrible thing to waste. And a meaningful retirement doesn’t just happen by accident.

Retire smarter. Schedule a call today to discuss how we can help you make yours great.

 

 

Positive aging takes a different mindset – and a bolder one.

Carl Honoré is an award-winning journalist and author whose revolutionary first book, In Praise of Slowness, was an international bestseller and has been published in more than thirty languages. This excellent book can help you reframe how you think about getting older, learn how to retire well and enjoy life to its fullest.

Carl joins our retirement podcast from London to discuss the benefits positive aging,  living more slowly against the cultural pressures for speed and youth – and his new book (B)OLDER: Making the Most of Our Longer Lives.

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Wise Quotes

On the Advantages Older Workers Bring

“I think is quite surprising to people that – actually – in the workplace, people get more productive as they get older. There’s this awful toxic ageism – especially in the American workplace.  But I think you find it all over the world too, this idea in Silicon Valley that they talk about being finished at forty, and anybody over forty gets passed over for interviews and shunted into less interesting work and all this sort of stuff. Yet, people are on an upward curve performance as they grow older. Productivity goes up in jobs that rely on social skills. People get better at dealing with customers and clients, better at things like collaboration, listening, seeing the big picture, creativity holds strong, and there’s a lot of research, in fact, that suggests that it gets better, we become more creative as we get older. We loosen up. We join the dots better.”

 

On the Power of Language and Aging

“I think so much of the problem with our attitude with aging is bound up with the poisonous language we use. It’s woven into our vernacular, that younger is better and older is worse. When we forget something we call it a senior moment. Or we use that phrase finished at forty, or you're the wrong side of thirty or the wrong side of forty, or you say you’re feeling your age and that means you feel weak and feeble and inferior or sore. It’s just, every time we use that language, I think it’s reinforcing that stereotype. It’s reinforcing the caricature. It’s reinforcing the wrong idea of aging.

As we know from whether dealing with racism or sexism or any kind of social change, language is one the first steps towards changing how we feel about ourselves and our place in the world, and changing how we behave is the words we use. So I just recommend to people just push pause, think a little bit, check your language a little bit. Just don’t use phrases like a senior moment. Try and use phrases that are kind of neutral about aging, or upbeat about it. I think that can make a difference. There’s a lot of studies that show that if you have an upbeat view of aging you age better. You live longer, you better physically, cognitively, happier, et cetera. So language is a good way I think to do that.”

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Bio

Carl Honoré is a bestselling author, broadcaster, and leader of the global Slow Movement. His TED talk on the benefits of slowing down has been viewed 2.8 million times. Described by the Wall Street Journal as “an in-demand spokesman on slowness,” Carl travels the world to deliver powerful keynotes that put time and tempo in a whole new light. His message is simple but counterintuitive: To achieve peak performance in a fast world, you have to slow down.

After studying history and Italian at Edinburgh University, Honoré worked with street children in Brazil. This inspired him to take up journalism. He has written from all over Europe and South America, spending three years in Buenos Aires along the way. His work has appeared in publications on both sides of the Atlantic, including The Economist, Observer, Miami Herald, Houston Chronicle, Time, National Post,

Career Shift? Learn from Other Generations

Considering a career shift? Intergenerational mentoring can be a valuable resource. Tapping into the knowledge, experience, skills, and networks of other generations can be mutually beneficial and expand your thinking.

Join us as we talk with Charlotte Japp, who was interviewed for the article on the innovative organization she’s founded (CIRKEL) on intergenerational mentoring.

We learn more from Charlotte on what led her to create CIRKEL, how their events work, and her vision for its future.

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Wise Quote:

“I was listening to a podcast where they were talking about ways to get to 3% GDP growth, and they were saying there was a labor shortage because Baby Boomers were being aged out of their jobs. Instead of plainly coming to the conclusion that we needed to keep Baby Boomers working, not only because they wanted to work, but because it was good for the economy. They kind of went down this tangent of, “Well, maybe we need to get more immigrants … maybe robots will take these jobs …” It was just so strange to me because the answer was there in plain sight. This is not just something that I want to have in the world that is normalized, intergenerational connections, and bringing more older back to work, but we also need to do it if we want to be successful as a whole. There’s kind of a two-sided answer, to why I created CIRKEL.”

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For More on Charlotte Japp and CIRKEL

CIRKEL website

Sign up for CIRKEL’s newsletter to stay current and learn about upcoming events.

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Bio 

CIRKEL was founded by Charlotte Japp, a 27-year-old with a deep appreciation for her parents and other older, interesting people.

Early in her career, Charlotte noticed a huge gap between the 20-somethings she worked with and baby boomers like her parents, who had decades of experience, but were forced to retire or start secondary careers due to ageist hiring trends. Her friends and colleagues wanted career mentorship and life advice, while her parents and their friends were looking for new skills and trend reports to stay relevant in their careers.

Enter CIRKEL, an intergenerational platform to close that loop through speaker-led storytelling, intergenerational networking, and two-way mentorships.

Charlotte is passionate about connecting people and believes there’s a big opportunity for doing so across generations.

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Noteworthy

Today’s Article:

The New 50s: Far From Retirement The New York Times.

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Please take a moment and give our retirement podcast a rating on Apple Podcasts. Thank you.

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About Retirement Wisdom

We help people who are retiring, but not done yet, discover what’s next.

A long retirement is a terrible thing to waste. And a meaningful retirement doesn’t just happen by accident.

Retire smarter. Schedule a call today to discuss how we can help you make yours great.

Welcome to the first episode of our new Noteworthy Series, where we highlight an article that we think warrants your attention.

This series is in response to listener feedback on our retirement podcast. It’s a shorter piece on an article – and a conversation with a relevant guest.

Today’s article is When Retirement Is a Bad Fit by Richard Eisenberg, Money & Work Editor at Next Avenue – October 17, 2018

They say that life doesn’t give you many second chances. (Come to think of it, they say a lot of things.)

But sometimes no matter what life gives you, you can make your own second chances.

And more and more, people are come to view the phase of life we call retirement as a springboard for their own second chance at a career they’ll love.

People work very hard to be able to retire, savoring visions of a less stressful life along the way. The truth is that for some people, once they get there, find it … boring.

Join us as we talk with Paul Fox, owner of Philly Socks about his retirement story and his fun Second Act as an entrepreneur.

You can learn more about Paul Fox here:

His store: phillysocks.com

 

 

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Are You Prepared for Working Longer?

Working longer today often means navigating career transitions successfully. How can you be well-prepared?

In this conversation on our retirement podcast, we are joined by Kerry Hannon, AARP’s Job Expert. Kerry is a national keynote speaker, best-selling author, and columnist on personal finance, career transitions, and retirement. Her latest books include Great Jobs for Everyone 50+ and What’s Next? Finding Your Passion and Your Dream Job in Your Forties, Fifties and Beyond. Kerry is a contributor and columnist for The New York Times and she writes a weekly column for NextAvenue.org.

Kerry shares her perspective and advice on:

Interesting work options that people may not consider

The key challenges workers over 50 face today with career transitions

How to best prepare if you want to work longer

What you should keep in mind if you’re planning a Second Act career

Why becoming an entrepreneur is an attractive option for some people – and a few important cautions to be aware of

How innovative employers are leveraging mature workers

Her new book 

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Bio:

Kerry Hannon is a nationally recognized expert and strategist on career transitions, entrepreneurship, personal finance and retirement. She is a frequent TV and radio commentator and is a sought-after keynote speaker at conferences across the country.

Kerry has dedicated her work to making a difference in people’s lives, to give them confidence and the tools to succeed personally, professionally and financially. She offers her audiences and readers can-do expert advice on the best ways to empower themselves now and for the future.

She has spent more than two decades covering all aspects of careers, business and personal finance as a columnist, editor, and writer for the nation’s leading media companies, including The New York Times, Forbes, Money, U.S. News & World Report, and USA Today.

Kerry’s work also regularly appeared in Kiplinger’s Personal Finance and The Wall Street Journal, among other national publications.

She has appeared as a career expert on The Dr Phil Show. She has also appeared as a career and financial expert on ABC News, CBS, CNBC, NBC Nightly News, NPR, and PBS.

Kerry is the author of a dozen books, including Getting the Job You Want After 50, the award-winning Love Your Job: The New Rules for Career Happiness,(Wiley), which was the # 1 new release on Amazon, the GOLD Living Now Book Award for Personal Growth/Motivation winner, and What’s Next? Finding Your Passion and Your Dream Job in Your Forties, Fifties and Beyond 

 

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Wise Quotes:

On Fitness

Q. If someone wants to work longer and overcome those challenges, a big question I’m sure they’re thinking about is, how can I best prepare? Could you please talk about the three-part fitness plan that you wrote about in your book, What’s Next?

Kerry Hannon: “Thank you for asking about that.  I love talking about Kerry’s Fitness Plan. Number one, I’ll go out and I’ll speak to audiences of workers over 50, who really want to continue working. Often, I must be honest, I see the palpable fear in their eyes that they’re worried they’re going to outlive their money. They not only want to work, they need to work because they don’t have enough saved for retirement with our longer lives and longevity. I will say, it’s often women, come up to me and say, should I have Botox? Should I dye my hair? I say, no, no, no. You need to get physically fit.

The number one piece of my fitness plan is to get physically fit. I don’t mean running fast miles or bench pressing. What I’m talking about is a regular fitness program. A couple of times a week, 20 minutes.

You may know that every day 10,000 Baby Boomers enter retirement. But did you know that almost 1 out of 5 Baby Boomers are childless?

In this episode, we talk on with Sara Zeff Geber, Ph.D., author of Essential Retirement Planning for Solo Agers, which was named by The Wall Street Journal as one of the six Best Books of 2018 on Aging Well.

Sara shares her insights on the unique upsides and challenges faced by Solo Agers and her perspective on the importance of flexibility. She also discusses strategies to avoid isolation and how Baby Boomers in retirement, especially those who are Solo Agers, can cultivate social networks in retirement.

Wise Quote:

On Social Support

“Solo agers need to also nurture their social support system all the way through life. If you find that your work has superseded that, and you haven’t paid enough attention to your social support system, then it’s time to really look around you and maybe start to actually make a physical diagram of who are the people around you, what what do they provide for you in the way of support and potential assistance. Sometimes there is work to be done.

Finding new friends, finding people to just hang out with now that you’re done with working life. That can be done in so many different ways. It can be done by finding interest groups, either through causes you believe in or hobbies or a part-time job. So many of our social system comes from the people that we work with when we’re early in earlier in life. When we’re in our 30s and 40s and 50s, a lot of people look around and say, “Wow, all my friends are people I know from work.” Well, that’s all well and good when you’re still working, but as you begin to look at relinquishing that work and saying goodbye, opening the door for a younger person to come in behind you, think about who’s going to replace that social network. It may take quite a bit of work for a solo ager that is kind of isolated or is maybe more of an introvert.”

Are you a Solo Ager? Nearly 1 in 5 Baby Boomers are. Listen to author and expert Sara Zeff Geber’s strategies and advice.Click To Tweet

For more on Sara Zeff Geber:

Sara’s Latest Book

 

Sara’s Websites:

https://www.sarazeffgeber.com/

https://www.lifeencore.com/about/sara-zeff-geber

 

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