We generally don’t think about how we are going to spend our time after we retire, until we’re there. Although some people have been dreaming about a trip around the world, or enjoying just puttering around the house in anticipation of this milestone, most people prefer not to look ahead. Do most people underestimate the consequences of retiring? Experts say they do. “That impact is huge. Make sure you are well-prepared. It doesn’t just happen.”
Your life really does change when you retire. And that is wonderful and a little stressful at the same time. How do you prepare for that?
New life phases go hand in hand with good preparation. Before you started elementary school, you got to spend a few mornings getting used to it, and before you get married, you try out living together to see how it works out. But when it comes to retiring, we often just want to see if we can figure out what we can expect financially. How we will spend our free time is something we’ll decide when the time comes. And that’s a bit late, says Marjoleine Vosselman, psychologist and author of the book Pensioen in zicht (Retirement in sight). “When you retire, you finally get time to do all those things you didn’t get around to during your working life. But sometimes that can be disappointing. How do you deal with all that time, family members’ expectations and possible old age defects? When you stop working, you lose a significant part of what has been giving your life meaning. You will need to make conscious choices and sometimes you also have to accept that not everything is within your reach.”
The transition from an existence in which paid work was the determining factor to a phase of life full of freedom can be interpreted in many ways. Anneroos Gerritsen, senior trainer and advisor at Odyssee discusses this with retirees. On the beach, being active outside or inside. Do we really need preparation or even a course for that? “A retirement course is obviously not the same as learning a new language,” Gerritsen answers. “It’s about becoming aware of what you actually already know. It’s about taking time to think about your next step. What used to be free time becomes new time, or just ‘time’. What do you do with it?” The trainer recommends taking the training a year, or at least a few months, before retirement.
What gets you out of bed in the morning?
“In the course, we discuss five life domains. The first is health of body and mind. What do you already do in this area, think of exercise, and what could you do more or less of? What does your body need, what can it still do? The second domain is social relationships. Soon, the contact with coworkers will fall away. Are there other relationships that you can breathe new life into? Do you want to have more social contacts, or do you have no need for them? And what will it be like living with your partner after you stop working? What kind of space do you allow each other and what do you want to do together?” The material situation is the third domain Gerritsen deals with. “You've arranged your pension by now, and your state pension is coming up. But what about your financial planning, inheritance and gifts and your housing situation? During the course, a financial expert will come as a guest lecturer to cover these topics.” Labor and performance are also discussed. “Course participants still want to do something. But what? And what do you do first? Do you tackle overdue maintenance on your house, take a course or do volunteer work?” The final domain is values and inspiration. “That’s a theme that the course encourages participants to get into together in depth. What is it that still gets you out of bed in the morning? We also have a lot of tips on all these domains in a digital manual.”