When you think of your ThirdThird (ages 60-90), what is important to you?
Today, I wanted to share 7 common retirement regrets from those who have gone before you. My hope is that this helps you consider how you will approach your ThirdThird.
Leaving the workforce too early.
Staying in the workforce too long.
Not planning ahead financially.
Not having a good reason to get out of bed every morning.
Not traveling while we were healthy.
Not taking care of my health when I was younger.
Not clearing up poor relationships.
I recently met a woman in her 70’s who is managing on $1000/month and who is not complaining, but is grateful. She is out and about and beginning to move towards downsizing her home.
There’s lots of info about money and investment, but I want to prepare you for your ThirdThird by talking about what you want your life to be like… who you want to be as a person… how you want to spend your time.
This short survey is designed to give you some things to think about as you consider making your ThirdThird the BEST Third of your life. I am excited to learn what is important to you!
My challenge to you is to consider the following “biggest regrets” think about how YOU might avoid them.
Maybe it’s not really FEAR…maybe it’s more like dread or uneasiness of the unknown. The dictionary definition of the word retirement is “the action or fact of leaving one’s job and ceasing to work.” Since a large part of our life and identity for many years has been our work, the thought of not having that can make us unsure of the future.
We “Boomers” should be considering the distinct possibility that we just might live into our 90’s. To “cease working” for 25-30 years after “retirement” is a long time!
There are steps to take to face the ThirdThird of life (ages 60-90) without fear. Here are 5 suggestions to combat the dread of the unknown, the uneasiness of what to do with a lot of years, possible another one-third of your life, “post job.”
Choose your words.
“If you changethe wayyoulook at things, thethings youlook atchange.” – Wayne Dyer
The first way to begin to move past the fear of what retirement means for you is to eliminate the word “retirement” from your vocabulary. Don’t think of your life as empty or purposeless or “post-work.” Think of it as your ThirdThird! If you retire at 60 and live to be 90, that’s a long 30 years. Thirty years is a third of ninety, so you have the opportunity to build on your first two thirds of your life and make your ThirdThird your BEST Third!
Think of your life in the ThirdThird as OPPORTUNITY. You have the opportunity to build on all of the experience and wisdom and skill that you have amassed.
Find a way to invest in a meaningful way.
I have some discretionary time and I have skills that needed an outlet. I was on the prowl, as it were, to find a way to contribute to our community in a meaningful way.
I am not really “Board material” as I prefer action to talk. I don’t want to be involved in politics. I have tried mentoring and have found my particular mentees to be less than motivated. I’ve volunteered at church and Habitat for Humanity events with good success, but in one-time events.
Recently, I was invited to an informational lunch about the Community Health Clinic in our county. I learned that they have a “Food as Medicine” program, well- funded by grants, and they need a volunteer leader to make it better. They have an intern who is there daily, so it is a leadership/development opportunity more than a show-up-and-make-it-happen commitment. I have always thought of nutrition as my hobby, so I jumped in. I’m excited about this “Food as Medicine” program and the monthly pop-up food pantry we will have. I can see myself doing this for a long while.
There are opportunities that will fit your skills and interests. If you are looking for them, you’ll find them!
Pursue an interest.
When you are not having to show up someplace at 8:00 a.m. every day, you have some time to follow your curiosity. Don’t worry about finding your passion. Just find things to be curious about.
A friend of mine has discovered contra dancing and is often housing various other dancers who come to our town for festivals and exhibitions. Another friend is making “working wall art,” combining wood with antique and vintage door knobs. He and others I know find great enjoyment selling their various wares at the local farmer’s market.
I think it is safe to say that there is a class available for just about anything you might want to explore. If not in your community, then definitely online. Maybe some travel will help you stir or deepen an interest you can pursue.
Make Health a priority.
I read that 70-90% of disease is life-style related. I believe that. A client of mine in her late 70’s just got her blood pressure under control in six weeks by changing her diet and walking daily.
Falls and joint pain are just two of the common concerns that come along with age. Regular yoga helps with both since balance and flexibility are both addressed. Walking is an easy way to get blood flowing and heart pumping with all the good feelings that a bit of exercise brings along.
I resorted to putting a scale in our kitchen to remind myself and my husband that we have a weight we want to stay beneath. Even our son who has Down Syndrome has been able to get his weight under control with our daily reminder (brutal as it seems, to some).
In our ThirdThird, making health a priority can make our years post-work much more satisfying.
Give yourself a deadline to meet.
Take advantage of the fact that you are in control of your time, now. Choose one thing that you have said you would do when you retired, or that you dreamed of doing, and set a deadline for completing it. Or, set a deadline for starting it!
Last year I published my first book and am currently working on the second. I’ve talked about this for a long time and it all came together this past year, my 66th. I said it would be done in January of 2018 and guess what? It was!
Just as in your business/working life, there was nothing as motivating as a deadline, so it is now as you are making the most of the opportunities you have in your ThirdThird. One thing at a time. Set a goal and a deadline.
Build a purposeful life. Make your ThirdThird the BEST Third of your life by fearlessly refusing to think of yourself as “retired.”
What ways have you had to adjust your thinking after your career years ended? How are you planning for your years “after work?” What joy have you found in new opportunities with more discretionary time?
Do you feel like you need a life-lift? Do you think that if a few things in your life would change you’d face each day with more hope and joy?
Try one of these 7 small steps to move towards a happier, healthier life.
It does seem that, after 60, some changes happen fast (like aches and sagging skin and the development of cataracts) and others are excruciatingly slow (like weight loss and improved muscle tone and remembering new information). The negative changes that occur naturally can seem to be overwhelming.
It is possible, though to keep improving as we age…or at least to slow down the inevitable slowing down. We just have to have reasonable expectations and develop some intentional ways to be pro-active.
It is discouraging to try to change a lot at once, so choosing one area of your life to make better and choosing one small step to take is a good start. Life change is easier with one small step at a time.
See if one of these life-lifting small steps is something you might try to make your life better.
Once those creaky bones get to aching, it is tempting to move less. But moving will, most likely, be the best thing for you. A walk around the block after dinner can be an easy step to take.
Our Medicare supplemental carrier offers Silver Sneakers as a perk. We now have free memberships at gyms in town where we can walk, push weights, or use cardio machines any time of day. There are group classes as well, yoga, chair aerobics, and even a “Silver Sneaker class”. A little bit of moving can bring a lot of progress.
Control your weight
Want to lose 10lbs? Don’t focus on 10lbs, focus on eating less. Maybe skip the second helping. Choose baked instead of fried. Don’t have chips as an 8:00 p.m. snack. Keep sugary soda out of your home. As metabolism slows down and activity decreases, we need fewer calories.
Want to not gain 10lbs? The same suggestions will most likely work. Just one small decision daily can make a difference.
Contribute to others
Staying at home, inside, and alone can become a dark and lonely place. Doing something to help someone else can have huge improvement in your outlook and attitude.
Monthly food pantry, daily soup kitchen, weekly reading help, occasional baby rocking, park clean up, sewing heart shaped pillows for the hospital….doing something for someone else regularly can perk you up as you contribute to others. Maybe simply picking of the phone to call someone is a big pick-up for them.
This doesn’t have to be daily….but an initial decision to find a place to reach out to others is a small step to take forward today.
Define what you want
I will lead a vision board workshop for women in their 50’s to help them plan their ThirdThird (ages 60-90). At this stage in life people are beginning to fret about what it means to go from careers to ….whatever comes next. I help lead them through a day of deciding for themselves.
Drifting usually gets us somewhere…but maybe not where we necessarily would have chosen to be. Pulling out the oars and propelling the boat is a more rewarding approach
Define how you want to feel, what you want to do, where you want to go. It will give you focus and direction so that you can know that you are satisfied with your life.
Fill your cup up
Whether you are wired to see the glass as half-empty or half-full, it needs more in it if it is to be full. What will fill your glass, your life? Quiet time in the morning with a cup of coffee of tea to start your day? A good book to read before retiring at night? A garden to tend? Weekly face time with distant grandkids? Think about what will fill you up.
Choosing to find good is a huge life-lift. Being grateful fills your glass and costs nothing. I find that making a list of things I am grateful for helps…because there are days, moments when I’m tempted to forget how blessed my life is.
A small step of choosing to find something to be grateful for can be a life-lift.
Drink more water
And eat more fiber.
Sorry to be really basic, but water and fiber can make us feel better by keeping everything moving as it should. Feeling sludgy makes it hard to be positive, to be active, to want to contribute to others. Maybe some good probiotics will help, too. Daily attention to water and fiber can have positive outcomes.
Don’t expect yourself to feel or function like you did when you were 20 or 30 or 40 or even, 50, if you are over 60. Adjust to your new reality and enjoy the journey that you are on by having realistic expectations of yourself. Take stock and be conscious of adjustments you need to make in mind and body.
Part of being realistic is not expecting others to read your mind. If you need a visit from someone, ask them to stop by. If you know you should not drive after dark but want to attend an event, ask for a ride or learn to use Uber. If you want a family dinner but are not able to host, ask someone else to. You can show up with energy and attitude to help with smiles and stories.
Make every day better by choosing one small step in the direction you want to take. Then, celebrate small victories and enjoy a more positive outlook.
What is one way that you give yourself a life-lift? What is the one step you might take? What helps you to be positive yet realistic about growing past 60?
Have you ever asked the question, “am I becoming my mother?”
I was recently in an appointment at a physical therapist for some weird hip pain. As we chatted, I think we came to the conclusion that my problems have been self-induced. You see, I spent hours sitting in the “w” (knees together, legs back to the sides) as a child. Usually, I was reading or checking out books on the lower sections of the bookmobile. I have always attributed those hours of sitting to my slight bow-leggedness. Confirmed…by the PT.
Now, I am remembering that when I was in 8th grade, there were a few innocuous comments made about my mother’s walking that now comes back to haunt me. Someone commented on how my mother’s feet went out (duck-like) when she walked. It might have been me… I honestly don’t remember. My mother’s explanation was, “Your Daddy asked me if I can walk with my feet straight, but I told him this is just the way I walk.”
My response? In my budding rebellion of the all-wise teenage years, I decided that if my mother could not, I would. So began a life time of conscious straight-foot walking.
And now, in my ThirdThird, at the age of 66, I am experiencing hip pain that most likely comes from forcing my hip joints into an unnatural angle. For years.
Sigh. In my intention of not being like my mother at that long ago age of puberty and self-discovery, I set myself up. Maybe it would have been better if I had aspired to be just like my Mother, instead of determinedly being un-like her. In some ways, maybe.
Last week, I received a text and photo from my sister of her outfit for the day. “White pants or jeans two days in a row. Am I becoming our Mother?” I laughed out loud, of course, as only sister texts can provoke, thinking that “no, you are not becoming our Mother,” but also recognizing some recurring tendencies in that direction.
In some good ways, I remember my Mother’s influence and am grateful.
I am generous.
I watched my Mother be generous in a number of ways. She always wrote the tithe check first after my Daddy’s weekly paycheck came home. She was ready to offer cookies or a pecan pie to new neighbors. She gave her 25th Anniversary china to a newlywed couple at her church (maybe I shouldn’t bring that one up???).
I clean up after myself as I cook.
Once, when my Mother was visiting, she made the comment, “Debbie, you’re a good cook, but you sure make a mess,” as she was cleaning up behind me. I realized she was right and began a practice of cleaning as I go, so I don’t have that big mess to clean up on my own.
I am aware of areas of waste.
On another visit, again, helping me in the kitchen, Mother noted that milk was being wasted as our 5 children took their dishes to the sink after a meal. “A lot of your milk is getting poured down the drain.” Wow. We were on a budget and I was happy to find a way to make those gallons last longer. I started filling those cups less full and throwing less down the drain.
Now, I notice when we are not using produce fast enough or when I have more than I need of shoes or clothing. Even though our budget is not as limited as when the house was full of children, I value not wasting things I buy.
In some other ways, I intentionally try to be different than my Mother.
I try to only use positive motivation.
Especially with my grandchildren, I intentionally do my best to build them up and never use shaming as a way of motivating. I am sensitive to a time when people use humor at another’s expense. Making fun in hurtful ways is something I became sensitive to during my Mother’s visits as she was older. She was completely unaware of how her humor did not translate well to a sensitive teen/tween and she was not really open to learning new ways. But, I can be positive and avoid misusing humor.
I do my best to stay up on current events.
In my home, growing up, there was no discussion of politics and little awareness of the world at large. Part of that was the era of my parents’ generation. Part of it was that neither of them went to college. While they were hard working and intelligent people, there was little academic confidence. I try to be more aware of what is happening around me and in the world, so I have more to talk about than who is doing what in the neighborhood.
I take risks and try new things.
My parents built a house in 1949 when my Daddy returned from WWII. My Mother lived there until 2011 when she had to move into a care facility. Me? My husband and I are building a home at the River and it will be the 18th address we have had in our 45 years of marriage. We have moved, I have started businesses and risked failure, we have tried new things. Some of that comes from watching my parents hunker down and resist opportunities that came their way. The need for security and the fear of failure was strong in them. I appreciate that. I understand that. But, seeing that has given me the desire and courage to step out into risk.
I grew into being thankful for the parents I had. These days, I sincerely hope that my own children will grow into understanding me and choose the best ways to imitate me. And, I hope they are wise to see and replace those unpleasant memories of my attempts at being their parent.
Life-long learning and growing is a way to make your ThirdThird your BEST Third!
Today, my top five novels are: Jane Eyre, Christy, The Chronicles of Narnia, Memoirs of a Geisha, The Kite Runners.
From these, I discovered that …..
I actually can be a romantic.
I want my home to be a refuge and place of comfort.
I can enjoy fantasy, even though I am more naturally a realist.
There are unbelievable obstacles women can overcome.
Cultures are deep and full and very multi-dimensional.
I said five, so I won’t go on to mention Three Cups of Tea, The Lacuna, The Hobbit and George McDonald novels……or Grishom and Patricia Cornwell (Scarpetta) and Maeve Binchy or The President’s Lady and Mr. Audubon’s Lucy.
I have nonfiction favorites, too. Like any of John Maxwell’s books on leadership, One Minute Manager by Ken Blanchard, Five Dysfunctions of a Team Patrick Lencioni, When Fish Fly by Joseph Michelli and John Yokoyama. The Purpose Driven Life would be #1 on the non-fiction list if I had to choose.
BIG life-changing books for me have been The Dip by Seth Godin. That book actually was a catalyst for major adjustments for my husband and me. Including (but not limited to) changing jobs and relocating 11 hours away.
Younger Next Year (and Younger Next Year for Women) by Chris Crowley and Harry S Lodge, M.D. has prompted significant daily alterations for me and my husband. Moving from casual to intentional daily exercise and getting serious about our diet so that we can stay fit and active into our 80’s and beyond came from this book.
These books helped us imagine our lives differently.
One of the few regrets I have is that I have not kept a list of all the books I have read.
Be discriminate with your time. Read books that teach good lessons that are well-written.
Not to escape, but to explore.
Reading will keep your mind sharp. It will give you something to talk with others about. It can get you thinking about larger issues. It can make you smile and weep and empathize and wonder.
Some studies even show that reading reduces stress and can slow our heartbeat. Take a “reading vacation.” You don’t have to go anywhere or spend anything. Just block out some time to “go somewhere” by reading a book.
So…a short excerpt from Which Old Woman Will You Be? To encourage you to read!!!
5 Ways to Simplify so that you can Focus on what is important…
In 2002, my husband asked me to meet him for lunch. It wasn’t our custom to meet for lunch and especially not a nice restaurant. I should have known he was up to something!
“We need to focus and simplify,” he told me.
We were living 35 miles from his work, where he was pastoring a growing church. We maintained 40+ acres of woods and prairie where I ran a busy retreat and training center with ropes courses and paintball for team building.
We were driving, preparing, mowing, maintaining, training, marketing, inspiring, selling, planning….all the time. Together and apart.
At ages 50 and 53, Dave saw that we were at a crucial point of planning our future.
My husband saw we should Simplify and Focus our efforts as we entered our 50’s to ensure our ability to live fully in our ThirdThird (ages 60-90).
We did it.
And we continue to do it. Simplify. Focus.
Our focus is to live life as fit and healthy as possible, to contribute and not burden others, and to enjoy one another as long as we are alive.
By focusing on what is most important to us in the long run, simplifying doesn’t feel like denying ourselves or like carrying a burden. It is freedom to head where we want to be with less to encumber.
Here are some practical ways we Simplify:
We eat to live, not live to eat.
This simplifies our eating, cooking, and dining. We have made a sort of hobby out of cooking at home. When we dine out, we try to go to a restaurant that is within walking distance (1.5 miles is ideal). When we shop, there are a number of items we simply don’t buy because they don’t fit our live long and healthy plan.
We buy what we need and get rid of what we don’t need.
If I haven’t worn it in a year, I probably won’t, so out it goes (unless it is that really great red cocktail dress that I MAY have a need for another time!). If we need a new skillet, an old one has to go. The old chainsaw died? When it is replaced, find a home for the old one at the metal recycling place.
This is our version of “use it or lose it”.
We look for low maintenance options.
We bought a car that should last a long time with little maintenance. It gets great gas mileage and is rated high in safety. We tried leasing, but I go way too many miles in my real estate job.
Our garden has a few tomato plants, plenty of basil and kale and radishes, and, this year, some cucumbers and winter squash. Morning watering and a bit of weeding are all that is required for a very adequate harvest.
Our fitness needs are pretty basic. Good shoes for running and walking. A gym membership that includes classes, machines, pool, and indoor track. And a commitment to do something daily to get our hearts pumping and our legs moving.
We have agreed to “need less” so we can “give more.”
One reason that we are able to make adjustments to keep us focused on simplifying is that we agree on our main purpose. We like to contribute to others’ efforts.
My husband is the consummate “servant.” He loves to show up and boost someone else along. He will build a website, chop down a tree, haul off yard waste, or till up a garden.
I love donating to a youth softball team or to a music program for low-income students. I really enjoy writing out a tithe check to our church. If we can be generous to allow all of our family to get together for a week, it is with a genuine smile.
Focusing on what is important to us makes simplifying to make it happen easy.
We remind each other of our desire to Focus and Simplify.
Just today, as we are planning a “cabin” on some of the property we kept, we agreed to stick with our approach of “focus and simplify.” What it means with this project is that we will approach it for efficiency (both in the process of building it and in the aspect of living in it) and that we want it uncluttered and comfortable.
Simple doesn’t have to mean rustic. Focused doesn’t have to mean sparse.
Agreeing to Focus and Simplify has become our approach and is making our ThirdThird our very BEST Third.
What is your Focus? What are ways that you have learned to Simplify? Or, what splurges do you really look forward to? It isn’t about self-denial!
Saying daily affirmations, out loud, is a very effective way to live on purpose. Having true, positive statements you say about and to yourself is rewarding, energizing, focusing, and, actually, can change the way you think.
If you google “affirmations” you can find lists of suggested affirmations to tell yourself to make yourself feel better, think more positively, have greater success.
“My heart is overflowing with joy.”
“All is well right now.”
“I nourish my body with healthy food.”
No doubt, those affirmations can be helpful.
But I have a better way.
Rather than googling for words from someone else to say to yourself daily, instead, take a moment and consider your limiting beliefs. The most effective affirmations will replace those limiting beliefs with affirming statements.
I have been doing this for the past ten years and it is a life-changing exercise that just keeps on giving. Replacing my limiting beliefs has been a practical way to keep growing, keep learning.
Identifying your limiting beliefs is the first and necessary step.
For me, as I walked the halls as CEO of the young company I was charged with making profitable, I was challenged by a coach to recognize my limiting beliefs. I found that I had a number of them! One very limiting belief was, “I really don’t know what I am doing and I hope no one finds out!”
Truth was, I was leading a group of people into a new way of doing things with great help from the franchise, receiving information and training that was beyond adequate. I was absorbing new information easily and readily and we were off to a great start. By telling myself that I was clueless, even in a fleeting moment, I robbed myself and the investors of this company, of some of the energy and confidence required to succeed.
Replace the limiting beliefs with true and possible affirmations.
I replaced the above limiting belief with this affirmation, “I am a confident, successful business woman who knows where I am going and who is meeting the people and developing the skills to become outrageously successful.” Gradually, as I repeated this, I became confident that everything I needed was available and that I was the best person to be at the helm for that time.
Repeat them, out loud, at least once a day.
I partnered up with a younger man from a different state to do daily affirmations. One of us would call the other and dive in. “Good morning, Andy! I am a confident, successful business woman who knows where she is going and who is meeting the people and developing the skills to become outrageously successful.” And so on, for my 5-6 statements. Andy would say, “You rock, Debbie!” Then Andy would say his 5-6 statements, addressing his limiting beliefs. I would say something encouraging to him, we would hang up and go into our day. 2 minutes, average, was our investment.
You will see positive results.
In those 10 years, Andy stepped out into some risky (yet rewarding) ventures that have brought him a sense of significance. He has increased his productivity and grown his business and improved his relationships. He is making more money and living with purpose. Also, he has lost a significant amount of weight and has made fitness a regular part of his life.
Me? My affirmations gave me the courage to build that new company with a good foundation, then move to another that needed a turn-around. I have been willing to risk some investments after telling myself that “I am wise with money and have multiple sources of income.” I once recognized an opportunity when I was told they were “creating a role” for me since one of my affirmations said that exact thing…. that I “attracted ethical, successful people who recognized my strengths and created opportunities for me.”
I don’t believe that thinking about them made any of these things happen. I simply see that by changing my thinking from limiting beliefs to possible realities, I was able to see and hear and respond to possibilities when they came along.
Keep your affirmations current.
Affirmations need to be current and personal to effective, so adapting them is key.
I recently revisited my limiting beliefs, since I am doing new things. And, I wrote new affirmations. One of them that I say daily is, “I am fulfilled and happy, living on purpose and making my ThirdThird my BEST Third”. Feel free to borrow it!
It really is possible to change the way you think. Just recognize those limiting beliefs and replace them with truthful affirmations that are possible.
Say them, out loud, daily, at least once, and begin to notice the positive changes in your life.
What are your limiting beliefs? Can you replace them with positive, possible affirmations? Do you have examples of changing your thinking? Please go to YourBestThirdThird Facebook and share your thoughts!
I’ve been gathering content for a long time by keeping journals to record life lessons and significant moments. This book, “Which Old Woman Will You Be?” is my first. It takes a practical look at ways to be sure you are becoming the person you want to be in your ThirdThird of life, ages 60–90.
As we age, two things happen.
1. We have less energy to pretend, and
2. We care less what others think of us.
The result is that who we really are, who we have been at our core, is what comes out. By living on purpose and determining who we want to be when we are younger, we can intentionally become the “Old Woman” (or Old Man) that we want to become.
I think you will enjoy the book and I am thankful for your support! Purchase your copy here: http://a.co/9FEn4bg
If you enjoyed the book, write a review on Amazon or share with somebody you know who would benefit from this book.
If someone asked, here are my top 6 ways to prepare for a great life after 60….
Now that have celebrated my 65th birthday and have my Medicare card, I am enjoying being a gray-haired, older woman who has learned a lot and has arrived at a pretty good place.
I’ve made a lot of mistakes and learned from most of them. I’ve had my share of successes with business and family and marriage and friendships. I’ve been through some rough spots with business and family and marriage and friendships. I have good ways that I can continue to learn and to grow in my ThirdThird (ages 60-90).
I’m mainly smiling and enjoying life. I enjoy good health and am blessed to have a long-term husband who “gets” me and who keeps me moving and trying new things.
If someone in their SecondThird (ages 30-60) were to ask me for advice on planning their best ThirdThird, here are a few things that I would tell them.
A few simple life adjustment to prepare you for living well in your ThirdThird (ages 60-90):
Think About Living To Be 90
We are the first generation that can plan with confidence to live into our 80’s and beyond. Medical support and knowledge of health makes living longer the norm. My parents planned to retire at 65, travel a few years, then die around 72 since that was as long as anyone else in their families had lived. I, however, realistically expect to live into my 90’s (which my mother did, surprising her a lot!).
It can catch you by surprise if you aren’t thinking about a longer life. An extra 20-30 years brings a lot of opportunity and a lot of responsibility, so it is good to be preparing for it.
Stop Gaining Weight
When I was 40, I realized that I had unwittingly, been gaining about 3 pounds a year. Noticing someone I knew to be 10 years older than me had unwittingly put on about 30 pounds made me pause. 3 pounds a year, 10 years….yikes! I was going to have that 30 pounds if I didn’t consciously keep those 30 pounds off.
The older we get, the harder it is to lose extra weight, so it makes more sense to consciously keep it off. I remember hearing an interview with Jimmy Carter when he was in his 70’s. Asked how he kept so fit, he talked about riding a bicycle and said that he weighed himself daily. If he was a little heavier that day, he ate a little less.
Whatever works, halting weight gain in the SecondThird will have benefits in the ThirdThird.
Save Some Money
Decide to put some money aside and let it become a habit. As you stick with it, watching it grow is pretty encouraging.
However, you can find a way to put some money away for your longer life. Direct deposits from your paycheck is a pain-free way to save since you don’t really see those dollars. Taking advantage of matching savings plans if you are so fortunate to have an employer who offers it will pay off in the long run.
If you are planning to live longer, you will need more money, so save some while you are making it.
Eat At Home More
Cooking seems to be a dying skill, but it can be a lot of fun and is satisfying to produce a tasty meal in your own home. And if you are eating at home more, you can control those things that are not beneficial and that you probably want to avoid. Less fried food, less sugar, fewer empty calories.
How to get started cooking at home? A subscription to a magazine with recipes gives new ideas and inspiration. Taking a risk on a CSA (Community Supported Agriculture) and having weekly ingredients delivered to you opens new doors. Joining or creating a “supper club” with friends provides motivation and accountability.
Eating at home more can help you with those first 2 suggestions, too, saving money and keeping the weight off.
Move Every Day
If you are going to live into your 80’s and/or 90’s, you will be glad if you have kept moving in your 40’s and 50’s. Make it a habit to walk the stairs or to walk around the park at lunch or to walk around the block in the evening.
And after making moving every day a habit, find a way that you will occasionally stretch yourself a bit. Classes at a gym? Kayaking on the town lake? Walking or running in 5K’s? Yoga videos? Tennis or swimming or softball?
It can seem like there isn’t time for exercise, but as it is often said, “Use it or lose it.” If you move every day, you will help ensure that you will be able to move along well into your 80’s and 90’s.
Clear Up Relationships
Clearing up doesn’t always mean being able to reconcile or to come to an agreement. It might just mean being realistic about the relationships you have had and investing in the ones that are helpful to you.
By the time you are in your 50’s, you have known a lot of people. Some you have enjoyed, some you haven’t. Some have enjoyed you. Some haven’t. It’s okay. Life has seasons and seasons bring change.
Learn in your SecondThird to have quality relationships. Keep a short list of offenses. Apologize when you are wrong. Allow people to come and go in your life but keep clear relations. Forgive and move on.
Go forward with no regrets.
Hindsight being 20-20 vision and all, those are the things I would tell someone younger than me to do in their SecondThird to make their ThirdThird, after age 60, great.
What would you say if someone in their 40’s and 50’s asked you for advice on living well in your sixties and beyond? What did you do in your SecondThird that you are glad for now?