A Difficult Phrase to Say: “Enough Already, I’m Retiring”: Part II

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I had a great conversation with a client yesterday who told me he has finally decided to retire. He could have retired years ago but continued working because working is what he knew how to do.

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He said it’s scary thinking about retirement not only from a financial point of view but from a personal point of view it’s just as hard. Retirement and the thought of retirement can be filled with doubt and uncertainty. In other words, answering the question “What am I going to do?” can be a challenge.

I have found in speaking with clients who are in or nearing retirement that this is a common concern. Yes, you can travel more and find time to do what you’ve never had a chance to—fill in the bucket list if you will. But once you settle I have observed that there can be a lot of peace of mind gained from a routine, whether it’s getting a cup a coffee at the same time and place everyday, hitting the gym, or walking with your spouse. All of them can do more good to one’s mindset than we think.

Retirement isn’t always easy. In fact, it is filled with quite a bit of uneasiness. The key is to find things you enjoy, find things that challenge you, and realize you’re not alone trying to figure this out. It’s that last part which is crucial, and sipping coffee with someone that you can relate to and vice versa can be a life saver.

Read Part I of this series here.

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E.J. Smith - Your Survival Guy

E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998. E.J. has trained at Sig Sauer Academy in Epping, NH. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West and Paris. Please get in touch with E.J. at ejsmith@yoursurvivalguy.com To sign up for my free monthly Survive & Thrive letter, click here.