General Interest

Is retirement a reality for you?

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Is retirement a reality for you?
Is retirement a reality for you?

Many Americans are not saving enough of their incomes to retire comfortably. No matter how hard many of us work and save, the retirement calculators say we need more to live comfortably. The reality is that many people are going to have to work after the age of 65 in order to pay their expenses.

Is working after age 65 healthy?

Is working longer going to be depressing or is it going to help senior citizens who stay socially engaged and or enjoy meaningful work? There are some retirees who cannot afford recreation and hobbies as they anticipated as they did their retirement planning. These retirees can fall into becoming lonely and depressed.

If seniors are healthy, mentally and physically able to work, then why bother retiring? The word retire is a derriative from the French word “retirer” which means to withdraw. Today, retirement means to end our career and stop working. Instead of ending something completely with retiring, maybe retiring could be an opening or beginning of a new chapter, season or phase of life.

Continuing to work past age 65 can have benefits.

Keeping an attitude of productivity and being social may keep many seniors happier and less depressed. Continuing with meaningful work, community involvement, and staying connected can make a positive difference on how senior years are enjoyed as well as the financial implications.

With longer lives and limited savings, the reality of retiring is looking like less of a reality for many people. In Japan, they do not even have a word for retirement. There is not a word they use to describe the concept of not working. However, they do have a word “ikigai” (icky guy) which means “the reason you wake up in the morning”. They are one of the healthiest societies in the world and they don’t retire. Maybe we would be healthier if we ended the concept of retirement.

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