If you’ve decided to retire, it can be a scary, scary proposition. It’s a time that you’ve decided to stop the grind of the work-a-day world and relax… maybe. If you’re like me – a Baby Boomer that was born between 1945 and 1964 – hopefully, you’ve built a big enough nest egg to tide you over and get you through your “golden years”… hopefully. But if you’re like most of the 76 million other Americans of retirement age, you probably can’t stop working without giving up some things. You may have to give up a lot of things, or you may have to completely change your lifestyle in order to live within the means that your “fixed income” dictates.
There are formulas that retirement specialists and estate planners have concocted to help us estimate how much money we’re gonna need between the day that we quit work until the day we check out. Now I don’t know about you, but I’m not too trusting of anyone’s theory of what it’s gonna take to keep me from running out of money before I run out of time to spend it. I can think of way too many variables that could spoil even the most astute retirement advisor’s predictions.
You’d be surprised at the millions of people who just can’t afford to retire. You’d be amazed at the number of people in this country that are gonna have to make decisions like whether or not to sell their houses and downsize, just to enjoy the privilege of not having to work until the day they die. Countless retirees will have to take on a part-time job, or even start a new career if they want to maintain the lifestyle that they’ve worked their entire lives to accomplish. What a reward for one’s life’s work, huh?
At the time in your life when you’ll have the freedom to enjoy your hobbies, recreational activities, travel, whatever you’ve been looking forward to doing, you find yourself struggling just to make the monthly bills and to keep a roof over your head… or worse, hundreds of thousands will find themselves moving in with their children or other family members just to survive! It’s not because they planned to fail or failed to plan. John Lennon said it best when he sang, “Life is what happens when you’re making other plans.”
Reasons don’t matter when you’re faced with irreversible circumstances. We are where we are, but we don’t have to make ourselves suffer for the rest of our lives because we may have made a bad choice or two or had some crappy cards dealt our way on the road of life. It doesn’t matter if you’re 55, 65, 75 or 105, the only reason that anyone has to be living a life of deprivation is because they have chosen not to take the action to improve it.
We live in incredible technological times! We can be living in Omaha, Nebraska and we can talk to someone halfway around the world in Bangladesh, India just as if they were sitting across from us at the kitchen table… and it doesn’t cost any more than our regular monthly wi-fi bill! How cool is that? We live in a time that we can take that technology and with a few weeks part-time study, make it work for us and eliminate any financial worry we’ve ever had or ever will have. We live in a time that we can reach out to literally millions of people at the blink of an eye and by capturing the interest of some of those that think like us, develop passive income streams that we didn’t even dream we were capable of before.
If you have those worries about your retirement, or if you’re afraid that you may never be able to retire without giving up most of what you’re now living life to enjoy, make a decision to at least look for solutions. Take some time to research alternatives to being forced to settle for less than what you want for the time that you have left.
Am I offering you an alternative to having to live the rest of your life on a measly, monthly pension check? Yes, I am. Is it the right alternative for you? Maybe it is and maybe it isn’t. It doesn’t matter until you take the initiative to at least explore the possibilities. Start with me if you want… and if it’s not a good fit, go on to another, and another, and another until you find something that you feel is right for you and then take action! Sacrifice a few weeks in the evenings and on weekends to learn the technology that continues to allow literally hundreds of thousands of people the ability to earn tremendous amounts of money working only a few hours per week. That’s the retirement that I enjoy… and there’s no reason that you can’t enjoy it too!