Big Game Help

“It’s not the load that breaks you down, it’s the way you carry it.”

–Lena Horne 

There is much said in our American culture about the self-made man or woman, the iron self-will and resolve that has individuals pull themselves up by their bootstraps, and a lot of ego-oriented “respect” offered to those who, alone, can handle things.

Granted, being able to find the resources, the will and the way within can be of great, holistic and long-term value.

Yet, there’s also a lot said about the power of helping others in their success. Zig Ziglar’s famous quote “You can have everything you want in life if you will just help enough other people get what they want” is an inspiring redirect toward focus upon others.

But search for quotes on “getting help” and you find that 98% are about offering help to others and only the tiny remainder about getting help yourself.

It seems the receiving side of the coin is simply not as respected or valued. We prize offering help, but where’s the equal pride in seeking or obtaining it?

Consider this: if you don’t need help, right now and right where you are, you simply aren’t playing a big enough game.

Got big game help?

“Be strong enough to stand alone, smart enough to know when you need help, and brave enough to ask for it.”

–Ziad K. Abdelnour

You Won’t Believe This New Retirement Craze!

Call it what you like – phased retirement, gradual retirement, or flexible retirement – but this craze is only just beginning!

In one of my previous posts I talked about the trend of staying in the workforce longer (Read it here). Basically, I explain that the historical concepts of retirement are becoming more and more out of date. The most obvious reason is the fact that, in the past few generations, the average life expectancy has increased by almost 30 years!

With people living longer, healthier lives, it’s no wonder why they are choosing to stay in the workforce longer. Since we are living longer, the money we save for retirement has to last longer. This causes two effects. One, we need to save more money. Two, we need to work longer. Usually, our solution includes a mixture of those two options.

This is what leads us to the new craze in retirement.

Phased Retirement as I call it (although you may call it whatever you wish), is how the world is evolving to change the historical concept of retirement to meet the needs of this age.

Let me walk you through this relatively new concept that is changing how people, companies, and our government is thinking about retirement.

There is currently a process that people go through when they choose traditional retirement, or “cliff retirement”.

For about 3 years before retiring, you are extremely excited about the concept (especially if your current job is stressful). The first year of retirement is extremely stressful. Once you make the plunge you realize that your new schedule lacks in some key areas. Your built in social network from your job is now gone, your previous identity tied to your career is also gone, not to mention that you often feel as if your new life lacks structure and purpose.

However, the next few years of retirement get better. You find yourself in the “honeymoon phase” of retirement when you find new activities and social groups to become a part of. After the honeymoon phase wears off, you will begin feeling like your routine is boring. Finally, after your discontent wears off, you become content with your retired life.

If this doesn’t sound ideal to you, you’re not alone!

This is why phased retirement is becoming so popular. Very few people want to sit around and watch TV all day after they retire, it’s partially what is pushing so many people to continue working long after the standard retirement age.

Phased retirement gives you the ability to relieve some of the financial burden of retirement, reduce the stress of retirement, enhance your personal fulfillment, and keep ties with your social network through your job, while still giving you time for retirement activities like traveling and spending time with family. Ultimately, phased retirement gives you the time you need to prepare for retirement both financially and emotionally.

At this point you might be thinking, “this is sounding like a great idea, but how do I even start?” Well that’s the thing. While phased retirement also helps employers combat the shortage of employees once boomers start to retire and while the IRS is considering regulations to establish guidelines for creating and administering phased retirement programs, only 6% of companies currently have formal phased retirement systems in place.

However, don’t fear, because I have some tips and tricks for negotiating a phased retirement with your company regardless of if they have any systems in place.

Phased Retirement Helps Your Company

By phasing out of your company, you are giving your supervisor plenty of time to find needed replacements. You are also helping your company cut costs while keeping your unique knowledge at their disposal. Here are a few tips for negotiating a new phased retirement schedule with your supervisor:

1. Offer to work during busy times for your company or when the workload is heavy. Depending on your job, this might be seasonal, during peak hours each day, or on certain days of the week.

2. Offer to mentor younger employees. The last thing your company wants is to lose all of the knowledge you have gained over the years working for them. By mentoring a younger employee (potentially to take your place) your company can be ensured that your eventual retirement will be a smooth transition.

Before Talking to Your Supervisor, Research These Things!

Don’t run into your supervisor’s office before doing your research. Look into the topics below so that you can come up with a solidified plan before reaching out to your supervisor.

1. Watch out for pension/retirement fund problems. Make sure that decreasing your salary won’t adversely effect your pension. If your pension is based on your income over your last five years of work, cutting your salary isn’t the best idea. If this is how your pension is set up, consider “retiring” from your current job on schedule and picking up a new part-time job to transition into retirement.

2. Check the minimum requirements for full health coverage for your company. If you are under the age of 65 (aka, you don’t qualify for medicare) you want to make sure that you will still be working enough hours to receive your full benefits.

3. Look into Social Security withholdings. This is the most complicated step, but don’t worry, I’ve got you covered. First of all, it is important for you to know that you can work and still receive Social Security benefits! That being said, if you are making “too much” for your age bracket things can get a bit more complicated. Before getting into the details, let me give you one extra tip. You will need to know your “full retirement age” according to the Social Security Administration. Click here to calculate your “full retirement age” now. Now that you know your “full retirement age” look below to see where you might fall when you retire and how to best utilize your Social Security Benefits:

   • If you are shifting to phased retirement between the ages of 62 and your “full retirement age”: you can earn $15,720 in 2016 without being penalized. If you are making more than that, it isn’t necessarily a cause for alarm. For each dollar you make above that maximum, Social Security will withhold 50 cents.

   • Once you reach your “full retirement age”: you can earn up to $37,680 per year. If you are making more than that, your penalty goes down to 33 cents for each extra dollar earned.

   • Once you are above your “full retirement age”: you can earn as much as you like with no more penalties or withholding’s.

Now, here is the really good news. If you fall into one of the situations where part of your income is being withheld by the Social Security Administration, you will get it back once you are above your “full retirement age”! Once you reach that age, your social security check will be recalculated to give you credit for all of the previously withheld payments! (If you have any more questions about how your Social Security is effected when you start to retire, their website is full of useful information!)

Now that you have done your research, you are ready to talk to your supervisor.

1. Choose your responsibilities carefully. Make sure that you aren’t just “giving up” the responsibilities that you don’t enjoy. Think about which of your responsibilities are the most important for the company. Also, which responsibilities currently need to be required during times when your new schedule might not have you at the company. Set up a schedule to slowly start giving up responsibilities (starting with the ones that require the least extra training for whoever takes those responsibilities over). This is made easier if you are mentoring your eventual replacement.

2. Settle on fair pay. Keep in mind that you are working less. You might have to give up some of your full-time perks as well as some of your income. Don’t be shocked if you’re asked to give up your parking spot right in front. Remember that you are trading your extra income and perks for more personal time to do what you enjoy. Think about what perks are the most important to you as well as how much you should be compensated for your new schedule.

Now you are ready to start your phased retirement journey! The only thing left to do is decide how to enjoy your extra time off!

Sources:

The United States Social Security Administration

WKOW 27: “Gradual Retirement” Growing Across Wisconsin

The Gazette: The “New Retirement” and Why to Try It

U.S. News Money: How to Retire Gradually

AARP: Phased Retirement and Flexible Retirement Arrangements

Happy Resolve

“Most folks are as happy as they make up their minds to be.”

– Abraham Lincoln 

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Stuff happens. It will keep happening. There’s nothing we can do to stop stuff.

How we are with others — but most importantly, with ourselves — in the midst of stuff either brings more stuff or requalifies stuff.

Anything, ANYTHING AT ALL can either be a blessing or a curse. It’s just how hard we’re willing to work toward the blessing end of the spectrum.

When all evidence is to the contrary is when real musculature is formed.

Got happy resolve?

“Your success and happiness lies in you. Resolve to keep happy, and your joy and you shall form an invincible host against difficulties.”

– Helen Keller

Find Your Bliss

When we are young we are asked what we want to be when we grow up. When we are a little older we are asked to pick a career. Then life happens. We find a job, work our way up in the company, raise a family, get settled in our routine – and get stuck.

When was the last time you thought about what you enjoy doing? Even more importantly, how often do you do something to make YOU happy? Chances are you don’t focus on your own happiness nearly as much as you should and, at this age, you SHOULD!

Maybe you’re thinking, “It’s been so long since I’ve been selfish and just done things for me, I don’t even know what I want to do!” If this sounds like you, have no fear! I’m here to help.

So how do you find your bliss? Start by just sitting down (with a pen and paper) and thinking about it. What did you used to love doing? Reading? Writing? Creating art or crafts? What have you always been interested in trying, but have never seemed to have the time? Yoga? Skydiving? Meditation? Water Skiing? Traveling?

Make a list of all of these things, and then try them! “I don’t have time” you start thinking.Make time! Schedule an activity for yourself in your calendar. Just do one activity a month if you have to, but start exploring your interests and find what you love.

Once you find something that makes you truly blissful, don’t stop! Make sure that you keep going. Slowly start scheduling it more and more often until it becomes a habit. But don’t stop there. I’m sure there is more than one thing that causes you bliss – keep looking! The more activities you find that make you blissful, the happier you will be.

Just remember to always be open to new opportunities and experiences. Never stop being curious of the world around you. Be willing to try new things and appreciate the joy they bring you. Don’t get too stuck in your routine, be proactive and schedule the time you need to find and follow your bliss. Step outside of your comfort zone every once and a while. And, most importantly, trust that everything will work out. If it seems like everything is going wrong, it just means you haven’t reached the end of your journey. You have the ability to live your bliss, now go find it!

I Went Skydiving and You’ll Never Guess What Happened!

“Oh s**t!  You want me to do what????”

Up until the moment the door actually opened at 10,000 feet, I was cool. Then it all turned upside down.

I am a little nervous but excited about our skydiving adventure, which is not even on my bucket list.  A year ago, Darrell asked me if I wanted to go skydiving, and I said “yes” – because I have a thing for trying everything at least twice (in case the first time is a fluke) – and I hadn’t even done this once.

The prospect of jumping out of plane was a little scary, which is why I wanted to do it. Doing things I am scared to do is good for me. It expands who I know myself to be. My view of myself becomes bigger.  I am learning to be courageous: having the fear and doing it anyway.  Plus, I want my second half of life to be radical.

So, there I am, after signing my life (literally) away in the most severe Liability Release I had ever read, about to jump out of a plane nearly two miles up with a dude attached to my back.  The dude has a parachute and is a professional.  Millions of people skydive.  I know it is safe.  I am cool.

Until the moment the door of the tiny plane opens and my instructor tells me to put my foot out on the tiny plank outside of the plane…

This is where “Oh s**t!” hits me…

“Is it too late to change my mind??” flashes through.

Meanwhile, my foot goes on the tiny plank, and my body flies out of the open plane door… and I am free-flying… with the dude still attached.  The view is magnificent, and what is even more magnificent is that I did it.

The fear is replaced by quiet and beauty.  And this is what I learn: behind every fear is a door.  When I get past the fear, I open a door to new possibilities, and a new expanded “me.”  My world gets bigger, and I know that “If I can do this, I can do anything.”

I am now someone who can jump out of the plane at 10,000 feet.  Radical.

Afterwards, a friend asked me if I would do it again. Yes, I would.  And the second time will be even better – because I will be past the fear and more present to enjoying the flight.  And that’s the real treasure – enjoying our flight.

Sooo… Who wants to go bungee jumping?

Funcertainty

“Uncertainty is an uncomfortable position. But certainty is an absurd one.”

—Voltaire 

The mature human psyche rarely voluntarily jumps into the game of uncertainty.

As we get older, we can become ever more attached to the knowing of what’s coming next, the assurance of our needs being met, the certainty of the path before us.

A layoff, business downturn, or even the inner need to make a significant change in one’s work, relationships, life, etc., can bring about fear of the unknown.

Yet, in that quest for knowing everything ahead of time, we may miss interesting opportunities and sidepaths along the way.

Think about it: when we go on vacation, though we may plan certain activities, do we want to know everything we’re going to experience beforehand?

There’s no fun, surprise or adventure possible when we already know.

Though it goes against the default closing of the mind and human spirit, taking on uncertainty with an attitude of fun can be a game worth playing.

What totally uncertain aspect of your life could you bring into a game of fun and exploration?

Got funcertainty?

“When nothing is sure, everything is possible.”

—Margaret Drabble

Aging Parents – What Should I Do?

Aging parents.

It’s a topic that no one likes to think about, let alone talk about. Our parents have always been the strong ones, the ones in charge, the knowledgeable ones. However, as we ourselves grow older, we are forced to come to the realization that our parents are growing older as well.

Sometimes we realize it all of a sudden, we go to visit them and suddenly they seem weaker and more frail. Sometimes it is a slow realization; they start forgetting things, walking becomes more difficult for them, they seem less energized, they become more irritable. However we come to the realization, it is never easy for us. As their children it is natural that we feel sadness, concern, anxiety, fear, and even anger at this realization. It’s normal and it’s okay. The important thing to focus on is the next step.

Depending on if you live near your parents or live far away, there are different options. Below I have created a couple links for you to start exploring your options. Helping your parents through the aging process is never easy, but there are ways to make it easier.

• The First Steps of Elder Care

• Helping Your Parents Sort Out Their Emotions

• They May Not Mean To, But They Do (a new novel about aging parents)

Although this process is full of anxiety and sadness, don’t forget that there is always the opportunity for fun as well. “How can this be fun?” you ask. Just check out these photos by Tony Luciani who is the caregiver of his mother. Click here to see the whole article!

Bestful

“If you’re doing your best, you won’t have any time to worry about failure.”

– H. Jackson Brown, Jr.

We all truly want to do our best in our work, relationships, contributions and life.

And yet that inner voice is rarely satisfied, no matter how it turns out.

Every now and then, I’m so moved by quotes, that I am compelled to share them all.

So, I offer my “best” quotes to support you being as bestful as you can with yourself today.

“Do not look for approval except for the consciousness of doing your very best.”

-Andrew Carnegie

“Why worry?  If you’ve done the very best you can, worrying won’t make it any better.”

-Walt Disney

“Always do your best. What you plant now, you will harvest later.”

-Og Mandino

“Do what you love to do and give it your very best. Whether it’s business or baseball, or the theatre, or any field. If you don’t love what you’re doing and can’t give it your best, get out of it. Life is too short. You’ll be an old man before you know it.”

-Al Lopez

“Doing your best is taking the action because you love it, not because you’re expecting a reward. Most people do the exact opposite: they only take action when they expect a reward, and they don’t enjoy the action. And that’s the reason why they don’t do their best.”

-Miguel Ruiz

“Do the best you can until you know better. Then, when you know better, do better.”

-Maya Angelou

“My philosophy is that not only are you responsible for your life, but doing the best at this moment puts you in the best place for the next moment.”

-Oprah Winfrey

Got bestful?

“It helps if you remember that everyone is doing their best from their level of consciousness.”

-Deepak Chopra

Who Says You Have to Retire by 65?

The Back Forty INFUSE Program

“I felt liberated to look at my life and career thus far as the R & D phase for what I have yet to design…buckle up phase two!”

—Hilary C., Marketing Director

Imagine there is way more in you to be expressed and fulfilled. Imagine and believe that you can restart…or, better yet, really start for the first time!

Consider that the only start that matters is the one you do now, and that life was designed that way. Your midlife opportunity is awakening to discover all that you’ve learned from a first half of R & D (research and development) and capitalizing on it to design your own uniquely playful, passionate and purposeful second half.

You have yet to do what you came here to do. No matter what has come before — be it perceived major successes or miserable failures — as Frank Sinatra sings “The best is yet to come, and babe won’t it be fine”.

The Back Forty philosophy is radical. It says whatever has come before does not determine what comes next. It’s about a radical renewing of the mind into belief and action to play big. Come discover your Big Game Back Forty Future. It’s what you came for.

“I have done hundreds of courses in growth and development. This Back Forty Program has really impacted me. I’m 72 years old, and I can win my second half!”

—Gail E., Legal Professional