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A Different Retirement Planning
Image by Pete Linforth from Pixabay

What shapes our lives are the questions we ask, refuse to ask, or never think to ask. ~ Sam Keen

Let’s turn retirement planning on its head. Or maybe just on its side. Let’s bring it down to reality and by reality I mean what is real for you. Traditionally, retirement planning has been about the money. It’s about a magic number to strive for. It brings up anxiety around whether it’s enough. And, if we think it’s not enough, we worry about how to get to that magic number. As a result, we often double down on our work, forgo personal time, grow a someday/maybe list, or put off for the things that are meaningful because they don’t contribute to that number. We experience stress and all the accompanying gifts that that brings.

Traditional Retirement Planning.

As I moved through my career, the retirement planning world came into prominence for the regular working person. IRA accounts, 401k allocations. New investors poured into mutual funds. As a result, the stock market boomed with these new investments. New careers were built around this segment of financial planning.

And this is all good.

Don’t get me wrong. Tending to your finances is important. It’s prudent. Because if you don’t sit down and look them square in the eye you may be in for some surprises.

However, as I approached my 50th birthday and saw the vague outline of retirement out on the horizon, I realized that it was not all about the money. Sure, I’d love to have a $1 million + retirement fund. Who wouldn’t?

Being called to a truer self

But I didn’t want to be a slave to this goal. There was something else that was important and needed serious attention.

That something was me.

A clock was ticking and the question it was beating into me was: when will you do what you say you want to do? When will you start living from the inside out instead of the other way around. My creativity was stifled and it was slowing killing me, from the inside out.

I was being called to be a truer version of myself.

Non-traditional Retirement Planning

I was being called to craft a multidimensional life in which the things that are urgent are woven into the things that were important, not the other way around. For me, the important things are writing, my garden, moving my body. It’s about exploring art, connecting more with nature and the people around me. It is also doing meaningful work as a coach and a writer to help others craft the life that brings them joy, meaning and fulfillment. Whatever that might be for them.

This is the kind of planning that needs to come first. Know who you want to be, how you want to live, what is important and what can be whittled away. Then absolutely look at the financial side.  Because now, you’re better informed as to what you need.

Start early

The first steps into retirement don’t happen after the gold watch and bye-bye luncheon. They begin now, wherever you are in your journey of life.

They begin with a question:

What is most important to me now and as I transition into the next stage of life.

Ask the question and then listen as ideas emerge. Capture the ideas. Let them settle in. Decide on a small step to get going. Then prepare for an exciting adventure.

Because retirement is not an ending. It’s not heading out to the pasture. It is the beginning of a vital, important stage of life that will cover decades. It is a rich Third Age.

I’ve told you what’s important to me. Now, it’s your turn. What would be a satisfying next stage of life for you? Let me know in the comments.

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