Retirement; like your parents, but way cooler
In 1991 Billy and Akaisha Kaderli retired at the age
of 38. Now, into their 4th decade of this
financially independent lifestyle, they invite you
to take advantage of their wisdom and experience.
Billy and Akaisha Kaderli
Recently, we spent a couple
of months in the States catching up on chores and reconnecting with friends.
During our conversations, the common theme seemed to be the state of the economy
lost values in people's homes and investment accounts.
that some people are stuck in unpleasant financial situations, but it is
important to realize that
this too, will pass. We know with certainty that we have
to get through this malaise to get to the other side. We encourage you to Keep
YOUR Dreams Alive. Remember, it's the journey, not the destination and
it is a lot more fun if we enjoy the ride along the way. So, keep smiling, it sure beats
Not long ago, we read about research on the link between happiness and
productivity. Not only do those with a high sense of well-being make better
decisions, they also communicate with others more effectively.
So what does this have to do with your retirement plans? Even though the economy
is down, that doesn't mean you have to be as well. And in fact, if you want
results from your efforts,
you're better off looking for the silver lining.
If you have dreams of retirement, it's hard to maintain focus and discipline
when you no
longer believe the retirement you want is possible, or when
the media continues to tell you how awful the world is without a chance of it
becoming better anytime in the foreseeable future. This inclination toward the
negative has a direct effect on your
your mind's ability to
see opportunities or
solutions to the challenges you currently face.
So instead of giving into gloom and doom, try these suggestions on for size:
Give yourself a pat on the back
You deserve credit for surviving the meltdown
as well as you did, for deciding to get out of debt, downsizing your expenses,
or continuing with your investment plan -- anything that has allowed you to keep
moving forward with your life. Sure, you might wish things were different, but
the situation is what it is right now.
Choose to make the most of it. Sometimes
life has to hit us on the head to make a point clear, and berating yourself only
makes it more difficult for you. Congratulate yourself instead! See where you
have succeeded, and count up all the places where you have benefited or learned
Define a vision
So maybe your retirement dream has had to be revamped.
Life happens. However, having a defined vision helps you achieve it, and it gives you
something concrete to work toward. Redefining it keeps it alive and even more
reachable. Without a specific goal, you could just be wandering around in the
proverbial desert. You may find that you need to be creative -- either to get
your savings back on track or to adapt to the style of retirement that you can
now afford. Look in the areas of highest expense:
food. See where
rearrange your expenditures, both present and
future, so that your dream becomes real to you. Sit down, clear out the cobwebs
on your retirement vision, and renew your commitment.
Open up and focus on your course of action
It's easy to want to close down and
hide in a hole when things aren't going well.
Having a willing attitude allows
you to see the opportunities that are actually in front of you. You will be more
able to take advantage of them when
your eyes are open than when your head is
hidden in the sand. Focus on the course of action you need to take and the
skills you are learning in this process, and choose new strategies to make your
goals happen. In this manner, you will be moving forward with the scenery
changing around you instead of keeping yourself within the
darkness of fear and
confusion about your future.
Use the Internet to connect
internet is a tool offering forums, groups and great
information that can be useful to you.
Research sites on
relocating to tax-friendly states or perhaps overseas.
car-free and taking public transport or hiring a driver once
you are retired. Contemplate the benefits of
becoming a mentor or
in retirement -- for the social connections, to keep your mind alive,
and for the extra income.
It's easier to take action when you are already moving along, and to change that
activity if things don't pan out. It's a lot harder to get up and go if you have
roots growing out of your feet. Even making a small choice gets the process
going. It's never a good time to give up on yourself, so reinvigorate where you
are and be open to all the options available to you.
About the Authors
Early Lifestyle appeals to a different
kind of person – the person who prizes their
independence, values their time, and who doesn’t
want to mindlessly follow the crowd.
Retire Early Lifestyle Blog
About Billy & Akaisha