People really enjoy retirement
Finally retirement! In this way you can retire calmly and fully enjoy the new phase of life
At 20 or 30, retirement is so far away that you don't really think about it. At 40 or 50, in stressful or frustrating moments at work, you always find yourself thinking “Could I just retire!” And at 60? It's getting serious! And some people suddenly get very strange at the thought of not “having to go to work” in the morning. That is completely normal and is simply part of such a big change. However, with some the queasy feeling goes so far that they almost fear X day and the well-deserved retirement is accompanied by serious depressive moods. To prevent this from happening to you, we have put together a few useful tips below.
Don't forget the paperwork!
Somewhat banal, but for the sake of completeness: take care of your pension application in good time. Few of them really enjoy gathering documents and filling out forms. If you don't postpone it for so long, there will be enough time to find out if you have any questions or problems while completing the application.
Familiarize yourself with the thought
A big mistake that many prospective retirees make: to ignore the thought of the upcoming retirement for as long as possible. Basically, there are only drawbacks to this strategy ... Many employees make it more difficult to hand over projects to younger employees in this way. This leads to the fact that shortly before they leave, a certain hectic rush breaks out and the pensioner-to-be clears his desk with an uncomfortable feeling of “without me, things won't go right here”. The colleagues on the other hand are (rightly) annoyed by your lack of foresight and willingness to cooperate. In addition, the first day off comes incredibly suddenly and the realization that professional life is now over hits the newly-crowned retirees with full force. Combined with the fact that no thought has yet been given about what to do with all the time, those affected often fall into a kind of hole and find retirement excruciatingly boring.
So do better and start dealing with the topic early - both at work and at home. As you work, you can start making lists and having a relaxed handover. If you take enough time for this, you can leave with a good feeling and your colleagues will keep you in good memory. In private, let your thoughts run free. Is there anything that has always appealed to you? Do you have a hobby that you can finally devote more time to? Do not fall into the mistaken belief that you have to think about new tasks. You can approach your retirement calmly. But don't underestimate how quickly a good book can be finished or how quickly all the pots on the balcony are replanted.
Be realistic about your age
Interestingly, there are two large, very contrasting groups among today's (future) retirees. On the one hand there are those who believe that with a little over 60 one is already old and cannot really do much with one's life anymore. On the other hand, there are those who think that they are still far too young for retirement and that their young colleagues would be completely lost without them. As a rule, both groups are wrong. On the way to retirement, it is important to be realistic about your own age. Whereas people 20 or 30 years ago were actually quite old at 60, things are different today. Statistically, at 60 you still have over 20 years ahead of you that you can live in good health. So: Don't hide yourself, but rejoice that 60 is not your age today and that you have the best prerequisites to enjoy your retirement to the fullest. On the other hand, of course, you have to admit to yourself that you are no longer 30. You have worked for 30 or 40 years and earned your retirement. Even if you are still fit, you have to admit that you are no longer a young hopper. The younger generation is simply more resilient in many respects. There is really no shame in that! Forget your expectations that are too high and allow yourself to enjoy the peace and quiet of your retirement!
Using the time wisely: yes, overfilling the appointment calendar: no.
Finding the right balance for the new day is admittedly not that easy. Because it is just as inadvisable to fill your days with long periods of time as it is to be completely overwhelmed and in the end to be more stressed than in working life. Psychologists speak of the fact that both the so-called boreout syndrome (i.e., depressive moods caused by boredom and insufficient demands) and the opposite burnout syndrome, triggered by extreme stress and permanent excessive demands, are widespread among pensioners.
So feel your way around your new everyday life in a meaningful way and do not claim that everything has to level off after a few months. If you find that it is getting too much for you, cancel one or the other new obligation. If you are bored now and then, think of something nice to fill the time better.
Maintain and socialize
Men in particular tend to have less and less social contact as they get older. Anyone who goes to work every day comes into contact with people anyway ... It becomes difficult when retirement is just around the corner and you are suddenly all alone at home and may not come into contact with anyone for days or weeks. This also applies to people in partnerships, because this can also be a great challenge for a relationship. Even those who have been married for 30 or more years will clash if they are suddenly together around the clock and, in the worst case, get bored together.
Make a financial plan early on
One of the not so nice aspects of retirement is certainly the issue of money. While some have made good provisions, this can lead to financial problems for the next. So do the math a long time before you retire. Will you be able to cover all running costs with your pension and even have enough money left over to treat yourself to one or two luxuries in old age? Great! If this is not the case, take precautions. Can you cut fixed costs? What expenses are really necessary and where can you save. If so, does it make sense to earn some extra money while you retire? Do not put this topic on the back burner. If you are financially tight, good and timely planning is particularly important.
Enjoy your retirement!
The last tip, which sounds the easiest but is perhaps the hardest to implement, is: just let yourself be fine. Enjoy the free time and the many new opportunities! In no case do you "have" to do anything else now. But they can. You have worked all your life and now you alone decide what to do to pass the days. Make yourself aware of this luxury from time to time, because let's be honest: the pension is really a great invention that you shouldn't piss off yourself!
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