Thursday, August 15, 2013

How to Plan for Retirement and Remain Happily Married


Hi Readers,

How do you plan for retirement and stay happily married?  It can be done but it takes some prior planning.  But it is possible by approaching this life transition realistically.  While most people focus on the financial aspects of retirement, they seldom anticipate the psychological adjustment. 

The article below, published in the June 17, 2013 edition of USA Today and written by Rodney Brooks, inspired me to write about this topic and present it on the television show.  In my research, I found that retirement patterns and retirement satisfaction are the most studied topics by gerontologists.  While we are busy researching those topics, we often do not get the word out that retirement can stress a marriage.  But it can be a smooth transition by retaining realistic goals, planning, and retaining open communication. 

The USA Today article illuminated three main points with regard to staying happily married in retirement:

1.      Newly-retired people may contemplate, “What is my new role now that I am not working?” or “Now what?”  Often, spouses hang around the house all day without any “role” and may feel in the way.

2.      Newly-retired people suddenly realize that they have no social network.  Over the years, friends were acquired in the workplace.  Those friends are still working and therefore, are not available outside the workplace for socialization and networking.

3.      Retirement is defined as “living without a paycheck” but it often feels like a permanent vacation.  Boredom sets in, resulting in low self-esteem.  People often identify with their career and without one, retirement becomes a “roleless role.” 

Retirement patterns are changing for a variety of reasons.  Step-down or phased retirement has replaced the traditional model, allowing workers to gradually adjust to the new role.  Newly-retired workers often go into another career, buy a business, or devote time to volunteering.  While financial and housing concerns must be planned carefully, don’t forget the psychological aspects of retiring, too!  Talk with your spouse about the adjustment to retirement and how you will spend your time.  Cultivate friends outside the workplace.  With your spouse, decide how you will adjust to the new role.  More later!  AgeDoc


 

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