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Retiring isn’t less stressful than working

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Retiring isn’t less stressful than working

Not everyone retires with a solid retirement plan, a comfortable nest egg, a healthy retirement spending budget and a pension plan. It’s not always lack of planning, carelessness or a life ridden with bad choices.  Retiring isn’t necessarily less stressful than being an employee.

All is not equal

 Sometimes circumstances add to this situation of seemingly being ill-prepared for retirement. Events can include health issues, companies closing, partnerships dissolving, medical problems of a family member, and numerous other cases which cost money or lose money. Additionally, some employees earn a substantial income while others make a small income. Obviously, if you’re living paycheck to paycheck while you are employed, there’s less of a chance to save for retirement.

Lower paying positions

Retired people who had lower paying positions may experience as much stress as they had when they were an employee. Retired people who had the better paying positions are found to have less stress than when they went to work every day. When a retired person has to focus so much on making ends meet, it can reduce the peace, calm and happiness of retiring.

While we look forward to retiring and having a flexible schedule, we are often surprised that being retired is not always less stressful.

It’s surprising that those who have retired from lower-ranking jobs do not experience a reduction in stress. The stress of the drive, arriving on-time and reporting to management isn’t necessarily any more comfortable than being concerned about maintaining a comfortable lifestyle and making ends meet.

Managing Stress

Retirement is a lifestyle change and often causes a different set stresses including financial stress. Studies show that we are most stressed shortly after waking up with stress levels falling throughout the day and being lowest at bedtime. We need to do our best to reduce our morning stress by finding relaxation techniques and stress lowering methods that work best for you and your circumstance. Stress levels are impacted by the stress people have endured throughout their lives, not merely their immediate situation.

While the lifestyle lived between the high paid executive and the low paid employee are obviously different, retirement doesn’t change this. The lifestyle is still different, and the stress levels rise for the one who has typically always lived paycheck to paycheck.

People in low-level jobs experience more stress than their superiors, and the distance gets even more significant after retirement.

Stress Management

Many health problems are related to stress. With retirement not providing a reduction in stress, ways to manage it must be learned and practiced every day.  Retirees from lower paying jobs are less prepared for retirement as there is typically fewer savings, pensions, and retirement spending budgets available.

Effects of stress

Some of the effects of stress can include decreased quality of sleep, higher risk of cardiovascular disease and numerous other health problems. Financial security plays a huge role in determining the amount of stress endured during retirement.

The effects of stress are real and need to be managed. There are many ways to help reduce stress levels. It is important to make an intentional effort to reduce stress.

After Fifty Living™ was founded by Jo-Anne Lema, a genuine Boomer and member of the 50+ generation. As she likes to say, “Our enormous generation is charting new territory – we’re healthier, better educated, and more financially fit than any other generation at this time. And, as we march through history, 110 million strong – unique, new issues are developing. It’s exciting to be a part of the development and growth of This is a historic solution for a historic generation.”

Jo-Anne spent many years in the financial and operations side of higher education after having received a doctorate in education management and administration from Harvard, and an MBA from Southern New Hampshire University. Launching out on her own, though, has been the fulfillment of a life dream. Jo-Anne believes that “AfterFiftyLiving™ will delight its visitors, catalyze its partners, and will significantly benefit those who engage it.”

Residing in New England along with her husband of 35+ years, she never ceases to brag about her two children and 4 grandkids!

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