Retirement – are you ready?

Retirement – as we get older the term surfaces ever so often. Are you ready to retire?

Most people are eager to retire, and some are concerned and prefer to stretch themselves until they can’t go anymore.

I have heard people speak about retiring and spending time at the beach or just lying around doing nothing. Others want to spend more time with the family.

Ready or not retirement creeps up somewhere between 60 and 65, even earlier for some companies.

The truth is you have to plan for retirement. If you do not have adequate monthly funds to live a comfortable life, simple, no-frills you would have to resort to work until you can’t go any further.

If you do have a monthly retirement income it must be managed properly so there are things you must consider:

  • There must be a budget.
  • Certain food items may be out of your reach, so your diet may need adjusting.
  • If you were accustomed to attending lots of social events you may have to reduce or eliminate these.
  • Any government-assisted pension payments must be requested in advance so as not to lose income. The process for these is very tedious and time-consuming as you need salary information from the companies you were employed with.

One of the key planning items not only for retirement but once you hit 50 is to have a document to indicate where you have all your key items – insurance, investments, etc. In this way, if anything happens to you your family could easily locate what is needed. This is not a Will – of course, you should consider a Will, but this is a  Letter of Instruction which is different from a Will. When my Mom passed on there were a lot of challenges to get to her estate. Her name was incorrect on some of her documents and we could not find certain key items. If you need to learn more about this document shoot me a msg or email –


Once you are retired, the less you are active the quicker your body begins to deteriorate so keep busy. Find activities that utilize your expertise or that you enjoy or always wanted to do:

  • A dance class.
  • Gardening.
  • Coaching – if you are interested classes are available for this – msg or email –
  • Volunteer work – msg me and ask about this.
  • Part-time work.
  • Offer homework classes.
  • Learn a new language.

The idea is to keep busy, but still look after yourself – pay attention to your body – drink lots of water, avoid too much acid, sugar and salt. Check your levels often – pressure, sugar, blood analysis. If you want to get weekly information on staying healthy to email me and ask to be included in our weekly Motivational and Health Tips Newsletter.

Stay close to your creator – for as you know – dust to dust, ashes to ashes is inevitable.

Finally, enjoy life, you are the light of the world and the salt of the earth,  but do everything in moderation.

If you would like to learn more about our Letter of Instruction or you are  about to retire and have no clue what you are going to do, give me a call – 868 465 0603 or 954 306 1081 or email: