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.
Are You Afraid of Retirement?
Billy and Akaisha Kaderli
Going sailing, Boracay, Philippine Islands
your ducks are in a row.
You have saved and carefully invested for years, and
the personal discipline is about to pay off. So why is there apprehension in the
bottom of your belly? Let's be honest. There is risk involved, and the future no
longer seems certain or familiar.
I forgot about something?" you think, and start going over every plan you have
likes to admit straight out that they are afraid of retirement. Why, that sounds
silly. But changing your life from one of being focused on work duties, raising
a family, paying bills, and receiving that dependable paycheck every week to one
of the virtually unknown has its own set of stresses. You're being dishonest if
you say it's not a big leap mentally, emotionally, or financially.
confidence often underlies questions disguised as logistics on how to retire.
Sometimes, one must simply take the leap of faith, making a companion of the
ever-present question "What
have spent your whole life
security and providing that same security
the best you could for your family, then stepping into the unknown world of
retirement is like
jumping off a cliff.
Even if you're as prepared as you think
can distract ourselves with dreams of endless golf, or margaritas on an exotic
beach somewhere, but when it's quiet, we find ourselves looking over our
shoulders, wondering whether some forgotten component is lurking just out of
"What if I run out of money?" you whisper
your personal fear mongering nemesis is health care in retirement, your
portfolio balance or even something as simple as boredom. There can be great
comfort gained from all of one's time being planned out months in advance.
Pristine sugar sand beaches of Boracay,
retirement to be free of hitches or snags is unreasonable. There are no
guarantees in life. None of us
knows what the future will bring, and this is
true whether you're working or retired.
experience, how to contend with the fear factor in all of its guises is an
important point worth addressing. Fear keeps us on the defensive, often
preventing us from taking positive action or noticing opportunities and the
support that surrounds us.
Let it be said that if you are afraid, it is more
difficult on all fronts to have a successful retirement.
If" syndrome is all-pervasive. It attaches itself to every aspect of your life.
However, living life through the eyes of fear only amplifies that uncertainty.
If you wait for that perfect time to do something, you may discover that it
never arrives. Looking back over your life, you might see all of the missed
opportunities for great adventures and memory-making that you set aside in your
pursuit of that ever-elusive feeling of security.
do you do? Fear never leaves us, but the fortifying of our confidence helps us
to cope. Find ways to transfer your talents and abilities to your new life. If
you must, make a list of your strongest traits. Enumerate your interests and the
ways you can best satisfy them.
to find groups to
join, forums where you can share your talents and insight, find
classes being given, or chances to
somewhere that lets you offer your expertise in something. Exercise. Stay
connected to society.
Try something new.
Following these suggestions will bring
strength to your new life, expand your mind, and build up your spirit. From
here, you will gain much-needed self-assurance, making it easier to surmount any
obstacles you may encounter in your retirement.
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