Boating on the Mekong River between
Thailand and Laos
Billy and I were
At the age of 38,
we left the conventional working world and launched an independent lifestyle
of our own creation. It was an uncharted road with few support systems like
online banking, safe withdrawal rates, and email to keep in touch with family.
We wrote our script for living as we went along, and now in our mid-60s and
nearing 3 decades of financial independence, we want to
share with you 5 truths we have discovered about
Itís a lifestyle,
not a vacation
Many people think
that retirement is one party after another with every dream becoming fulfilled;
Days brimming with rounds of golf, mornings of tennis, afternoons sailing in the
bay, cocktails in the evenings, exotic vacations and eating at the latest
restaurants. Wardrobes are refreshed with endless shopping, bolstered by
designer coffees and desserts.
This hectic schedule
is neither sustainable nor recommended.
Living your newfound
as a lifestyle instead of in constant vacation mode will give you
stamina and your wallet longevity.
The stress doesnít
stop, it just changes form
After years of
planning to leave a job they dislike, the idea of never having to get up early,
pack a lunch and drive to work, people somehow believe that life will be
completely without stress. This is not true! While you may no longer need to
deal with an overbearing boss or a bothersome co-worker, life still goes on.
There are family issues, bills to be paid, perhaps
home maintenance and
the very important task of keeping yourself young and engaged with life.
The trash still needs
to be taken out.
Keep things simple
Life has a way of
becoming complicated. Even planning a picnic or a group dinner engagement can
take on mammoth proportions if one doesnít focus on keeping things simple.
Wanting to cram years of fun and ideas into a few hours can make for stress you
donít really need. It can also cost more than you might like to spend.
is a work in progress, and you're in charge.
While you may
have done your homework on the retirement front, thereís still the
chance that your dream lifestyle
some tweaking. If you find
that this is the case, you are not a failure. You are the captain of
your ship and can decide what to change if something might fit better.
Life is not static. Leave room for some serendipity.
Don't take life so
seriously, have fun with it! It's later than you think!
This last point is so
very important. No matter where you are on the continuum of life, itís later
than you think. We canít tell you how many friends we have lost in the last few
years Ė those who were only in their 50s, some in their mid-60s.
All this planning and focus on the future and not a moment to enjoy the present
Today is the day to
smile. Find a way to laugh heartily. Try something new. Refresh yourself. Have
no regrets. Because itís truly later than you think.
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