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Ditc t Rockin Cir,
Trs t Rmot,
nd Do Wt Yo Lov
Rtirmnt
SupeR-
ChaRgeD
M a R Y L L OY D
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m a r y l l oy d
Hankfritz Press
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Published by Hankriz Press
PO Box 65587
Universiy Place, WA 98464-5587
.mining-silver.com
(253) 208-0059
Copyrigh 2009 Mary LloydAll righs reserved.
No par o his book may be reproduced, sored in a rerieval sysem, or
ransmied by any means, elecronic, mechanical, phoocopying, recording,
or oherise, ihou rien permission rom he publisher.
Disribued by Greenlea Book Group LLC
For ordering inormaion or special discouns or bulk purchases, please conac
Greenlea Book Group LLC a PO Box 91869, Ausin, X 78709, 512.891.6100.
Cover design by Greenlea Book Group LLCInerior design and composiion by Kahryn E. Campbell
ISBN 13: 978-0-9798319-3-5
ISBN 10: 0-9798319-3-8
Library o Congress Conrol Number: 2008907834
Par o he ree Neural program, hich oses he number o
rees consumed in he producion and prining o his book by
aking proacive seps, such as planing rees in direc proporion
o he number o rees used: .reeneural.com
Prined in he Unied Saes o America on acid-ree paper
09 10 11 12 13 14 10 9 8 7 6 5 4 3 2 1
Firs Ediion
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iv
Cntents
Acknoledgmens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .vii
IntroductIon:
A Fe Preliminary Remarks. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
chapter one:
Ou he Door and Over he Cli. . . . . . . . . . . . . . . . . . . . . . . . . .
c h a p t e r t w o :
ools or Excavaing Your Lie. . . . . . . . . . . . . . . . . . . . . . . . . . . .
chapter three:
Combing Your Personal Beach . . . . . . . . . . . . . . . . . . . . . . . . . . .
chapter Four:
Nus and Bols and Oher Physical Su . . . . . . . . . . . . . . . .
chapter FIve:
Menal Monkey Bars . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
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v
chapter SIx:
Marshmallos, Icicles, and Prickly Tings in he Dark. . .
chapter Seven:
Managing Zucchini . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
chapter eIght:
Cu Lis or he Whole Enchilada . . . . . . . . . . . . . . . . . . . . . . .
chapter nIne:
Choose Your On Advenure . . . . . . . . . . . . . . . . . . . . . . . . . . .
Chaper Noes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
From Here, Tere, and EveryhereOher Resources . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Index . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
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1
Intuctin:
a Few Peiin
reks
when you can afford not to work all day every day, he realprize is no he leisure. Is he chance o begin again in a direcion ha
reecs ho youve become. I ook me an excruciaingly long ime o
gure ha ouhich is hy my pah includes riing his book. I I canhelp even one person ge o he good su aser, I ill be pleased.
Once e reire, he vas majoriy o us become virually invisible. Were
sereoyped as ou o shape, in need o huge amouns o medical aenion,
and ocused on grandchildren and nding he righ reiremen commu-
niy. Te expecaion o our culure is ha is only a maer o ime unil
e ill be a burden o our children and o sociey in general. Tose paying
ino Social Securiy ih dollars hey ould raher have or hemselvesbelieve e already are.
Tis is hogash, o course, bu commonly held hogash. We need
o shed ligh on he real opions or people ho have reached he poin
here hey no longer have o ork. We need o see he ruhha hen
you leave, you may have as much o your lie le o live as you spen in
he orkorce. People are living o . Acing like everyhing is over
hen you urn is ridiculous. Bu sociey assumes e are done oncepresened ih he gold ach and he gag gis.
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2
Teres so much lie le in us hen e reach his poin. Teres so
much o gain by claiming i. I e live our lives auhenically aer e
reire, e ill be healhier physically, emoionally, spiriually. Bu, more
imporanly, e ill be on re ih lie. Ta re can ligh he ay, arm
hears, and ge a lo o good su cooking.
We need o change he ay e underake his ransiion. Our assump-
ions and expecaions o he years aer e reire need o changeindi-
vidually and as a sociey. Tose o us ho have goen ha ar, need o
sand up and say condenly, No, has no me a all. And hen go ou
and be ho e really are.
Tis book is designed o help ligh ha ne pah. Is here o help you a-
rm ho you are noho youve become over all hese yearsso you
can make reiremen decisions ha keep you vibran and energized. Is
here o debunk he myhs abou has possible and o lay he ground-
ork or your on bes lie.
Te chapers are airly sel-explanaory. In he rs hree, e go rom
exploring he general idea, o he ools ha ill serve you bes, and hen
on o a preliminary run a gahering inormaion abou ho you are and
has imporan o you. From here e go ino our specialized sec-
ionsphysical consideraions and hen, in succeeding chapers, menal,
emoional, and spiriual aspecs. Te grand nale is a comprehensive as-
sessmen chaper o help you ry o eave i all ogeher. Don panic i you
aren ready or ha chaperor i you decide o do i again and again or
laer. Te purpose o he book is o help you gure ou here you are
and here you an o go nex. We aren all going he same place and
e aren raveling a he same speed. Be yourselbu say accounable.
No one is going o do his or you. I guaranee i.
Each chaper also has a predicable srucure. Tey sar ih a discus-
sion o he opic ha dras on diverse sourcessor o a ravelogue o he
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3
erriory youll be in or ha chaper. Te sudies and quoes menioned
are elaboraed on in he Chaper Noes a he end o he book. Te second
par provides a series o exercises aimed a helping you gaher inorma-
ion abou yoursel on ha opic. Youll ge a lo more ou o his i you
do hem. Really.
Te las secion is anecdoal. Consider i your reard or puing all
ha ork ino he assessmen su. Tis par is my soryor he par o i
ha relaes o he opic a hand. Someimes is nice o kno someone else
has screed i up orse han you ever could. Ive prey much done ha
on all rons ih his ransiion. Feel ree o learn rom my misakes.
My sinceres ish is ha he book akes you o he exciemen o his
sage o lie. We are no done. Many o us are barely sared. Our ime aer
reiremen is ull o poenial. Our alens and our energy are sill here
o use. Tere is no la keeping us on he benchor in he rocking chair.
We are he ones making he choices. We need o nd ha e believe in
and do i. Teres a lo o un ye o be had. A lo o good ye o be done.
Your personal piece o ha is aiing or you o gure i ou. Welcome o
he grandes o all lies advenures.
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6
or grading papers. No more having o accep someone elses righ o de-
cide ho youre going o spend huge chunks o your ime. And, o course,
no more sress. Jus hour aer lovely hour o doing haever you an.
Or so he anasy goes. Is he anihesis o planning.
Te idea ha you ork unil you are or (or henever your birh
year esablishes you as eligible ih he Social Securiy Adminisraion)
and hen jus sop and go o and play is our curren Big Lie as a sociey.
Is no has happening or, more imporanly, ha needs o happen or
everyones good. rue, some are volunarily orking longer beore ever
aking reiremen. Bu nearly a quarer o he orkers ho say hey are
reired sill ork eiher ull or par ime. According o a sudy done by
Merrill Lynchs reiremen group, o hirds o Americans claim hey ill
do some kind o ork or pay in reiremen.
A he same ime, ageism is real and coninues o be pervasive, ac-
cording o Dr. Rober Buler, o he Longeviy Cener in Ne York, hos
been sudying i since . Deermining he ork you an o do or pay
aer reiremen and nding i ill involve an enirely dieren sraegy
and process han e used ou o high school or even in he donurns o
he las e decades. Bu ork e mus. Work is abou more han money
and e need i in some orm o hrive. As a naion, e are jus no sar-
ing o realize his.
Do I have to?
More and more, hose saring o hink abou reiremen are asking i is
even ha hey really an. Usually, heres somehing ha makes coninu-
ing in he curren ork siuaion unappealing. Ofce poliics. Te com-
mue. A desire o live somehere else. Bu here are also hings abou he
lie o ease suggesed as reiremen ha are orrisome. Jus ho good
can you ge a doing nohing? And ho good do you an o be?
Is he nex sep simply no orking? Or do you an o redesign your
lie so i conains everyhing you an in he proporions you preer
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7
personally? Are you looking or a rocking chair or a launching pad? A
nap or an advenure?
In a recen aricle, Rosabeh Moss KanerHarvard managemen pro-
essor and corporae gurunoed ha hose no on he brink o reiring
are no likely o make his ransiion quiely as a group. Having been
old rom birh abou heir on signicance [hanks in a large par o he
advice o Dr. Benjamin Spock], hey aren going o eel less signican
simply because heyve hi a career ceiling called reiremen age. She cies
research done by Me Lie and Civic Venures here he majoriy o he
Americans beeen and ho ere asked said hey aned o bene
heir communiies in some ay ih ha hey do ih heir ime and/or
or a living a his poin in heir lives. Tis is only one o he dierences
beeen our veneraed image o he golden years and he realiy o ha
hey ill be like once he baby boom seps ino hem.
Reiremen is he rong ord alogeher. Reire per good old Web-
sers is o ihdra rom acion or danger: REREA; o move back:
RECEDE; o ihdra rom circulaion or he marke: RECALL. Why
ould anybody an o do ha a he op o heir game? Why ould
anyone an o do ha everunless hey ere sick, ired, or boh?
Good quesion. Bu his is a ne paradigm, and he anser is sill in
he orks. For he ime being, hose o us asking are going o have o
gure i ou or ourselves. And since, by his poin in our lives, e are all
incredibly unique, he ansers aren going o be he same or all o us.
Ta ill be rue even hen he resources and roadmaps needed o do
his smoohly are in placehich hey aren ye.
Tese ansers are probably no going o be easy o gure ou or you
specically eiher. Why should hey be? You migh be looking a as much
as or percen o your oal lie span in ha remains. Wha do you
an o do ih all ha? Wha is imporan o ge done? And ho do you
an o go abou i? Ho do you LIKE o do hings?
Tese are he more imporan quesions abou reiremen. Te poin
a hich you are ell enough o o give up a regular job and rely on he
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8
sources o income youve secured ha don require your hours and days is
no really reiremen. Is jus anoher graduaionlike high school and
college. Congraulaions! You have me all he requiremens o be alloed
o move on o he nex level o lie. Like all graduaions, his involves a
commencement. A beginning.
We are no looking a old age hen e urn . I Hugh Hener is
righ, is he ne . (And yes, he is sill living like hes and he
king oPlayboy, rom he sound o i.) In her book, Dont Stop the Career
Clock, Helen Harkness suggess ha he poin a hich e are usually
looking a reiremen opions is acually he second midlie. Reiring
provides he chance o exi he curren ork siuaion graceullyusually
ih a leas a parial nancial saey neand begin again, reconnecing
ih calling as he compass or charing a ne course. She reers o his
ransiion o more meaningul ork as he capsone career.
I believe i goes arher han ha. For many o us, his phase o our
lives ill involve more han one career and more han one direcion,
perhaps even simulaneously. Tese are he bes years, characerized by
acion, direcion, and passion. And a big dose o exibiliy. I is he ime
o our lives here ha e do nex can make a proound posiive dier-
ence i e so choose and e have he energy, samina, and ocus o make
ha happen. I is also he ime o our lives here e oe i o sociey
o model balance in ho e go abou i. Te years are he bes because
e do good hings or ohers, bu hey are also he bes because e have
designed a qualiy liesyle or ourselves. We do ha e an, bu ha
includes doing good.
For many, ha good is likely o be on a paid basis. People ho ge
paid o do hings end o have more clou and more credibiliy han hose
acing as voluneers. Work also provides a beer rameork or ocus
and goal seing. Bu i on look like he ork e are leaving.
We ill no do -hour orkeeks on a regular basis, bu e may push
ha hard or a e days o ge a specic projec hrough a criical phase.
Ten ell ake a monh o o hike a Moun Rainier or sail he Sea oCorez or help a niece ho lives miles aay deal ih neborn ins.
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Well ocus our experience and ell-honed managemen and leadership al-
ens on haever projec eve agreed o ge done. Bu e ill also explore
he onders o Egyp or ake a class in making ar glass. Tis is he ime
o creae beauiul lives. Meaningul lives in erms o our on uniqueness.
Lives ha give hose sill rudging along in sandard career mode inspira-
ion o keep going. I is no abou giving up ork. Is abou orking a
ha e an, a ha e hink is imporan and hereore orh doing.
I is also abou shaping he ork e choose so i doesn exclude he oher
hings e an in our lives.
No every one ill an his choice. Some people really are ired and
don an o have o orry abou anyhinga leas or a hile. Some
people ill reire and on decide hey need more meaning in heir lives
unil several years or even decades aer hey leave he orkorce. Te
beauy o his ne dan is ha is no a one size mus all siuaion.
Is no even a one size s he same person orever siuaion. I you have
he money o lie on he beach year round and has ha you an o do,
is your call. Nobody is going o ell you o go back o ork. I you an o
lie on he beach his year and ge involved in making an inner ciy youh
program nancially sable nex year, is sill your call.
ake hear i you have he chance o reire and are hesiaing. Tere is
so much le. So much o explore. So much o learn. So much o become
par o and make happen. Te sereoype suggess here is nohing ou
here bu cruise ours and gol. Bu is really a maer o personal choice.
Te key is guring ou ha he bes version o his ime in your lie looks
like or you. Wha excies you? Wha brings you saisacion? Ho do you
like o learn hings? Wha do you an o learn? Is ime o roll up your
sleeves. As Dr. Seuess advises, Youre o o Grea Places. oday is your
day! Your mounain is aiing. Soget on your way!
Tere is, hoever, a cavea. Te model is sill under consrucion. Many
o he resources e need o gure i ou don exis. Ye. Many o he asks
ha e could do ell and o socieys bene haven been dened. Ye.
Te landmarks are sill in he mis. We ill have o explore hem individu-ally and up close or a hile beore hey become par o a readily available
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map. Even his is ing. Te olks preparing o sar his advenure are he
leading edge boomershose ho gre up in he s. Te olks ho
brough youor beer and/or orseVienam War proess, civil righs
marches, and ree love. A group Kaner describes as naurally eeling like
orld changers. Only his ime around, hey are eeering on he brink o
isdom. Me is less o an issue no. Us is in.
d I Hve Enugh Ceits?
harD facts Deal breakers
Giving up ork, as a Briish riend describes i, is a uniquely personal
decision. I is also a uniquely complex one. Te ramicaions aec every
single area o your lierom he obvious ones like nances o he less
apparen ones like healh and relaionships.
A recen aricle in US News & World Reportnoed ha in erms o
cold cash, orking longer is a nancial ha rick. You have more years in
hich o save or reiremen. You have eer years here you ill have
o live o your savings. And you ill be able o dra a larger paymen
rom Social Securiy once you enroll. As a bonus, you can also keep your
healhcare coverage longer. Bu a some poin, is ime o sop.
Someimes, his momen is dened by exernal orces. Per AARP,
percen o us ill reire unexpecedly, eiher because o healh problems
or company changes. You migh be caugh in a donsizing or a realign-
men o business. You migh be in he perec posiion o sell he business
youve buil a a handsome price i you ac immediaely. You migh be
orced o reire because youve reached a mandaory age, as airline pilos
are. Exernal orces make he iniial decision easieroen is no even
yours. Bu he ork o ge i righ once you go over he cli is he same.
Bu ha i his is your decision? No one is pushing you ih a RIF
or a buy-ou or a managemen shake-up. Youre jus saring o eel Is
ime or somehing else. Ho do you decide i you are ready and i you
really an o?
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Te rs issue, is, o course, he economics. Do you have enough mon-
ey? Tere are enough books, seminars, and consulans o ork hrough
his quesion imes over. So e ill no dell on i here. Bu i is he
iniial deal breaker. You have o have enough o live on. I you are mor-
gaged o he hil, have credi card deb ha ill ake years o pay o even
a your curren income level, and no plan or a reiremen career in
place, you need o keep doing ha youre doing. Or else nd oher, more
saisying ork you can coninue o do on a ullime basis.
I you do have enough money, he quesion becomes do you WAN
o reire?
Te rs branch on his par o he decision ree is do you like ha
you are doing? Does i sill excie you? Is i an area ha you could ork
in unil he very las day o your lie and eel good ha i as ho you
spen all your ime? I he anser is no and you kno you can reire i you
an o, maybe is ime o graduae o somehing has more un, more
ineresing, and leaves you more on re a he end o he day.
I he anser is yes, hen on o he nex quesion. Is he ou you are
currenly orking or he place o do his ork? Is i supporive? Do hey
appreciae ha you can do and give you he chance o do i ell? Do you
eel like you are orking o your ull poenial in he assignmens youre
given? I he anser is no, hen i may sill be ime o reire, bu o reinven
yoursel in he same eld in a ay ha gives you more room o gro.
Te nex quesion considers he conex youre orking in. Are he
company youre orking or and he ork you are doing or i sable? Is
his job going o be around indeniely? For example, he opions markes
are moving oard elecronic rading. I you make your living in open
oucry aciviies in a rading pi, don bank on having he same job or
anoher years.
I you love ha you do and ho you do i or and he siuaion is no
going o change anyime soon, you don need reiremen, you need o
play he loery. Te vas majoriy o us are no ha lucky.
Tere are oher iniial deal breakers. For example, legal consideraions.You could be under a conrac ha requires you o nish ou or ace a
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12
si penaly. Tere could be amily issues. Do you need he healh insur-
ance no o change righ no because o a amily members siuaion? My
lacrosse-playing son required knee surgery hen I as making my deci-
sion. As long as I sayed ih he company, he as ully covered or he
procedure. Delaying my deparure unil he could have he knee repaired
made perec sense.
touchy feely factors
Facual consideraions end o ocus on hy NO o reire. Can aord i.
Can ge he company scholarship or my daugher i I do, ec. Te nex
se o quesions deals ih hy you DO an o reire. Tey are liesyle
quesions. Te ork pace and sress level in our employmen culure can
be obscene or donrigh lehal. I he only hing you are doing is your job
because has all you have he ime and energy or, is ime o leave i is
easible or you o reire. (Unless, o course, you love your ork so much
ha is all you wanto do.)
Does ha you are doing no give you room o do all he oher hings
ha are imporan o you? Are he hours reasonable enough o le you
mainain your physical healh, amily ies, and personal social conacs? Do
you ravel abou as much as youd like or he job and or un? I no, his is
he ime o lie here you can creae your on version o a job/lie mix.
Where are you geing your emoional suppor? Where are you geing
your sense o communiy and belonging? Where are you geing your
creaive saisacion? Wha level o aciviy do you need o eel saised?
Ho much ne do you need in your lie?
Tis is here hings can mel don quickly. Mos o us have unc-
ioned in he realm o acs and quaniable aspecs in ha e do or a
living. Te idea o being able o describe ha you like, an, and need
seems counerinuiive. I I like i, I don need o even hink abou iis
jus here. No exacly.
In he movie Te Runaway Bride Richard Gere accuses Julia Roberso knoing so lile abou hersel ha she can even ell him ho she likes
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hose assignmens. I hope he Tink and Do secions o his book generae
ha same sense o advenure or you.
Imporan decisions arran eecive decision-making and ha you
an o do ih he res o your lie is a very imporan decision. Te le-
giimacy o inormaion used is one o he keys o good decisions. We are
bombarded ih inormaion and persuasion dressed as advice day and
nigh. Hoever, he decisions o be made abou reiremen are bes made
rom inormaion youll never see on elevision or nd on he Inerne. I
needs o come rom ihin you. Tis seems like i should be easy, bu is
no. Te volume o exernal inormaion e are subjeced o buries he
inernal inormaion and makes i hard o access ih cerainy.
You may have already ansered all he quesions abou heher or no
you are in a posiion o reire ih oal accuracy. In ac, you may have al-
ready jumped o ha cli and are no saring o look a heher is ha
you an o keep doing. Eiher ay, is good o double check o be sure you
are orking ih accurae inormaion. Is ay oo easy o use hinking
ha came rom oher people or he media and believe is really your on.
Your decisions abou ha you an o do ih you lie need o be based
on ho you are hen here is no one and nohing inuencing you.
o ge you sared, his chaper oers some career-specic Tink and
Do. Tese exercises go beyond he yes/no ansers o he decision ree e
jus en hrough and explore your on realiy more horoughly. Te job
o Tink and Do, as ell use i here, is o gaher inormaion rom inside
you and organize i in a ay ha helps make your pah o imporan deci-
sions more sraighorard. Te more sincere and open you are in doing
he exercises, he more relevan, accurae and useul he inormaion ill
be. Ta said, doing hem ih your sense o humor urned on is also im-
poran. Teres more han salad dressing and beer has bes done lie i
e an o live healhy.
Yes, yes, I kno. You hae ha ouchy eely, inrospecive su. You
don an o dell on ho aul i as o be he las kid chosen or he
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15
kickball game in hird grade or having o visi your grea grandmoher in
he nursing home hen you ere sixeen. I don eiher. Which is good,
because has no here his is going a all. Bu youre going o need in-
ormaion o ge his projec going righ and youre he one ho has i.
Tink and Do is an easy ay o pull i ou and look a i.
In all he chapers, he Tink and Do exercises are abou NOW. Abou
your curren prioriies and values. Abou ha you like, don like, and
migh like because o ho youve gron o be. I promise I ill no ask
you o do a imeline o your lie, dra picures o your pe ih your non-
dominan hand, or rie a lis o all he people you need o orgive or ask
orgiveness o. You can do all ha su i you an, bu is no ha e
need or his. Whas essenial or hese decisions is o learn as much as
you can abou you as you exis here and no.
Chaper Ones Tink and Do involves o dieren ays o look a
your ork siuaion. Also, since some readers are likely o have already
le he orkorce, here are o versions o hese o exercises. Beore
he Door is or hose ho are sill employed bu hinking abou reire-
men. Aer he Cli is or hose already reired ho an o explore
ne opions. In boh, he bes ansers are he rs onesbeore you sar
o hink and say ha ould sound good, look good, or be he bes hing
o have said i your spouseor bossever ound your ansers.
I you an complee securiy, rip he pages ou and shred hem once
youve learned ha you need o kno. On he oher hand, i you an
o alk abou i ih your broher, moher, spouse, eldes son, or he nex
person in line a he grocery sore once you discover hese personal ouch-
sones, ha orks, oo.
And do hem as un. Tis is an exploraion o errain ha should be
especially ineresing o you. Go a i like a kid on a neighborhood ad-
venure. Tink and Do runs on o levels here. I an you o hink and
do he exercises, sure. Bu has only so ha you can hink and do has
needed or you o live a lie ha has you smiling mos o he ime.
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16
VErSIoN a: Befe the d
For those still in the workorce.
exi 1.1athIs Job aND thIs coMPaNy
Rate each o the ollowing statements in terms o how accurate
it is or you on this job at this point in time. Put a number between
1 and 9 in the open box o each statement.
ratINg values
n ll lik m: 1 2 3 4 5 6 7 8 9 : tlly m
What I do in my job is important.
Other people think I have the perect job.
I like the exibility the company gives me.
I need more time or mysel to stay healthy.
Even ater a hard day, Im excited about my work.
My spouse is very proud o me or having this job.
Im proud o the company I work or.
There is a lot o negative stress on this job.
This job gives me un challenges to meet.
Most o my riends are coworkers.
My company appreciates me.
I need to know more than I do about whats going
on at work.
The work I do on this job is interesting.
The people I work with are
the most important part o this job.
This company is nancially sound.
Management here doesnt care what workers think.
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17
What I do on my job is good
or people and society.
This job has high prestige and I like that.
I enjoy the teamwork and work environment at this
company.
I eel like a raud and a cheat to be doing this work.
TOTALS: Total the numbers in each column.
The highest possible score or a column is 45.
The lowest is 5.
Te rs column deals ih your saisacion level ih he kind o
ork you do. I his score is high, you are doing ork ha has meaning
or you. I you an o reire, graduaing o an arrangemen ha gives
you he chance o coninue doing his kind o ork bu ih enhanced
liesyle elemens you value (e.g. eer hours, ork schedule exibiliy,
more vacaion ime, ec.) migh be a good sraegy.
Te second column deals ih social acors. I his score is high, i means
you are likely o be aeced by he loss o social conacs and he presige
you or your amily/riends value in he posiion you no hold. Finding oher
ays o ll his need ill be an imporan par o your ransiion i you
choose o reire.
Te hird column looks a ho you eel abou he company you ork
or. I column one is high and column hree is lo, you may no an o
reire a all, bu raher change companies. I column hree is high and
column one is lo, going in a ne direcion ihin he company migh
be orh looking a, paricularly i you can negoiae enhanced liesyle
elemens. I you leave he company, you ill be losing ha srong sense o
belonging. You may need o nd oher sources o saisy his need.
Te ourh column is a quick read on overall job dissaisacion. Tis
is dieren han simply being lo on saisacion scores. Dissaisacion
acors are ypically sources o negaive sress, hich can cause illness. I
his score is high, leaving is likely o eel like emancipaion.
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18
exi 1.2ashootINg froM the hIP
Answer these with the frst thing that comes
into your mind (including smart remarks and jokes).
The thing I like most about the job Im doing now is __________________
_____________________________________________________________
_____________________________________________________________
I I did this or a diferent employer ________________________________
______________________________________________________________
_____________________________________________________________
The thing I dislike about what I am doing now is _____________________
_____________________________________________________________
_____________________________________________________________
I I knew I could take six months to do whatever I want and then come
back to this job ________________________________________________
_____________________________________________________________
____________________________________________________________
I I could take a year of and had this job to come back to ______________
_____________________________________________________________
_____________________________________________________________
I I did take six months or a year, my eelings about the job would _____
____________________________________________________________
____________________________________________________________
I I knew that whatever I tried was going to turn out exactly as I need a
want it to ___________________________________________________
_____________________________________________________________
______________________________________________________________
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19
I I knew my amily and important riends would approve o anything I
decided to do _________________________________________________
______________________________________________________________
_____________________________________________________________
I could do this job until the day I die i ____________________________
_____________________________________________________________
_____________________________________________________________
When I think about leaving this job ________________________________
_____________________________________________________________
_____________________________________________________________
Sentence completion exercises oten yield unexpected inormation.
Go back and look at your replies. I any o them surprise you
enough to dig deeper, try the ollowing:
The answer about ___________surprises me because _______________
_____________________________________________________________
_____________________________________________________________
My answer about ______________excites me because ______________
_____________________________________________________________
_____________________________________________________________
I your initial reply was a joke or a smart remark
and you want to dig deeper, you can try
When I said that, it was a way to __________________________________
______________________________________________________________
______________________________________________________________
I am surprised I can make a joke about that because _________________
______________________________________________________________
______________________________________________________________
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20
VErSIoN B: afte the Cliff
For those who have already let the workorce.
exi 1.1bthe realIty of free fall
Rate each o the ollowing statements in terms o how accurate
it is or you at this point in time. Put a number between 1 and 9
in the open box o each statement.
ratINg values
n ll lik m: 1 2 3 4 5 6 7 8 9 : tlly m
I am totally comortable with how I use my time.
Not having money coming in bothers me.
I eel isolated now that I dont have work
as a way to connect.
I could help many ways but no one will let me
do what I can.
I love being able to putter all day long.
I worry that I am going to run out o money.
I dont have people that I consider
good riends to do things with.
I eel invisible.
I like not having to make plans or what I do each day.
I am not willing to spend money or things
I used to buy readily.
I eel isolated.
It bothers me that I am not contributing in some way.
My retirement could not be better.
I worry about the stock market and/or the security
o my pension.
No one wants all the skills and
experience I am ready to ofer.
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21
Theres got to be more than this.
I would not change a thing about my lie in retirement.
I need more cash coming in than I have now.
I want to be more involved with other people.
I need something to make me want to get out o
bed every day.
TOTALS: Total the numbers in each column.
The highest possible score or a column is 45.
The lowest is 5.
Te rs column deals ih your saisacion level ih reiremen in
general. I his score is high, he liesyle you are living orks. A mos, you
are likely o an o eak i a bi, bu major changes may no be necessary.
Ten again, you may be deluding yoursel abou ho much you like reire-
men. Go or a alk by yoursel and hink abou i i you aren sure.
Te second column deals ih ho you eel abou your curren nan-cial siuaion. Tough your nancial siuaion may have deerioraed or
some reason, concerns o his ype are oen no a reecion o he acual
sae o your nances. For many people, spending he money has been
savedeven i ha is exacly ha i as saved oris very difcul. I
his number is high, nding a ay o creae even a small cash o rom
acive income migh be appealing
Te hird column deals ih social acors. I his score is high, imeans you need more social conac han your curren liesyle includes.
Work is only one ay o lling his se o needs and your personaliy has
a lo o do ih ha is likely o ork bes. For example, i you preer o
alk shop as a ay o inerac ih people, ork is probably a beer
han joining a social club. Bu i you like o dance or play cards o share
ime ih ohers, hen he reverse is more likely o be rue.
Te ourh column is abou ho much meaning you nd in your lie.I his number is high, you may be eeling hollo or resless. Te only
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22
ay o solve his one or good is o uncover your purposehe hing ha
you an o do ih your lie ha leaves you eeling excied no maer
ho ired you are aer orking a i or he day. Purpose and passion go
hand in hand. I you kno ha you are here o do, is a lo easier o ge
ou o bed in he morning.
exi 1.2b.shootINg IN MIDaIr
Answer these with the frst thing that comes into your mind
(including smart remarks and jokes).
The thing I like most about being retired is _________________________
_____________________________________________________________
_____________________________________________________________
The thing I didnt expect about retirement is _______________________
_____________________________________________________________
_____________________________________________________________
The money thing _____________________________________________
____________________________________________________________
____________________________________________________________
I I had known retirement was going to be like this __________________
____________________________________________________________
___________________________________________________________
My choices about how I spend my time ___________________________
____________________________________________________________
___________________________________________________________
My volunteer experience _______________________________________
____________________________________________________________
____________________________________________________________
____________________________________________________________
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23
I I had to do it again, I would ___________________________________
____________________________________________________________
___________________________________________________________
My lie would be perect i______________________________________
____________________________________________________________
___________________________________________________________
My lie would be almost perect i________________________________
____________________________________________________________
____________________________________________________________
For me, the word retirement means _____________________________
____________________________________________________________
____________________________________________________________
Sentence completion exercises oten yield unexpected inormation.
Go back and look at your replies. I any o them surprise you
enough to dig deeper, try the ollowing:
The answer about ___________ surprises me because ______________
____________________________________________________________
My answer about ___________ excites me because ________________
____________________________________________________________
I your initial reply was a joke or a smart remark
and you want to dig deeper, you can try
When I said that, it was a way to _________________________________
____________________________________________________________
____________________________________________________________
I am surprised I can make a joke about that because _________________
____________________________________________________________
____________________________________________________________
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24
hw Not D I
My qualicaions or riing his book res heavily on he monumenal
mess Ive made o his process mysel. I le ork ay oo early (age )
or noble reasons and ih lile planning. I have been a his or years
no. I am a viruoso a ha NO o do. I have gone don every blind
alley bu alcohol and drugs and have barked up more rong rees han a
near-sighed coon dog.
When I le corporae America, I as inen on pursuing my las ca-
reer. Ever since high school, Ive expeced o be a rier evenually. Bu
here ere a e deails i ould have been good o have aken he ime
o dene a he ouse. For sarers, my careers usually las seven years
maximum. I sared as a geologis ih sops as a say-a-home mom,
a college insrucor, a line manager in he uiliy business, a markeing
consulan, an ouplacemen specialis, several versions o conrac special-
is, and several levels as an execuive manager in he naural gas indusry
beore I go o rier. Te job I as leaving as as head o gas supply
or a major combinaion uiliy. I had aken me abou years o do all
ha. Wha made me hink riing as going o hold my aenion or
or or even years all by isel?
I am a rier. Ta as rue hen and is rue no. Bu I am also a
lo o hings ha don ge honored i I ocus only on riing. My rs
big misake as assuming I could, should, and ould be a one-channel
person. Never have been. Never gonna be. I need a lo o dieren hings
going on or lie o be good. You do no an o kno ho long i ook
me o admi ha.
I also did an abysmal job o making an accurae invenory o here
my suppor resided. My spouse as in avor o my leaving he corporae
ra race. He encouraged me o play he song. (Te song as ake Tis
Job and Shove I.) Bu many o he hings ha conrmed my value or me
inernally ere in he ork seing. Tere, I as perceived as compeen
and a resource o ohers. Tere, I go o solve complex problems as paro a eam o inelligen, un, enhusiasic peers. Tere, I kne ho o do
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26
When I compleed my rs novel, I le i res as he gurus advised,
and hen revised i ih he help o a anasic criique group. I nally
began rying o sell i nearly HREE years aer Id le ork o become
a rier. By hen, e had sold he amily business, and my husband and
I had begun o ravel. Tis as hen cell phones ere sill opional,
exoic equipmen. My spouse as Welsh by heriage. He lived by he
adage A Welshman can live on ha a Sco hros aay. No ay ould
a cell phone have been par o our ravel gear even i I had suggesed
i. Which I didn.
Every ime e le on on a rip, Id orry one o he agens Id que-
ried migh call and an o alk o me hile I asn here. Aer a e
monhs, I sopped sending ou queries. I asn home enough o open he
mail much less edi my novel o mee a publishers requiremens.
Bu one o he grea hings abou being a rier is ha everyhing you
do is maerial. So no maer ha else I as doing, I as orking. Ta
idea made my abdicaion seem oally reasonable. ravel as good or
ha I as going o rie nex. I have been a anderer since I as old
enough o alk. I love o go see somehere else. Say he ord rip and
I ill immediaely pack a bag. And I did ge a lo o maerial. Bu no, in
addiion o no knoing whato rie, I didn kno when o rie. My
sense o compeence sank even loer.
We became masers o he ne ar o road ripping. Te rs year aer
e sold he business, e sa every one o our combined six kids in heir
on residences, hich mean rips o Seale, Dallas, Chicago, Kansas
Ciy, Los Angeles, and Denver. Denver as he only day rip. We ook
one ull monh o explore Florida in January. We en o my nieces ed-
ding in Wisconsin and hen on o see ennessee and he Grea Smokey
Mounains in he all. We ere raveling ools.
Ten came he Grea Advenure. Friends asked i e ould be in-
eresed in going on a orld cruise ih hem. Te ord cruise go o
he guy I as married o. He as ex-Navy. Te ord orld go o me.
ravel all over he orld? Oh yeah.
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27
I kep deluding mysel ha he no-riing lie I as living as jus an
inerlude. Ta I as really orking. Ta I as no reired. I jus had a
job ha le me ravel all he ime and never ge anyhing done.
Aer he big cruise, ravel began o change one. Wih road rips, in-
sead o deciding ha e aned o see and he bes roue o ake o do
ha, e began deciding here e ere going based on imeshare avail-
abiliy. Id agree o organized ravel opporuniies because hey ere a
good deal or because riends aned o do hemno because i as an
advenure I really aned be on. rips became somehing e needed o do
o be able o alk abou hem hen e go home. rips became a ay o
ge aay rom he eaher raher han unpredicable advenures o ne
places (like WaKeeney, Kansas during an April snosorm). When e go
o he desinaion, he rs prioriy or my spouse as a beer and a dose o
CNBCso i el jus like being a home or him. Once i morphed ino
his ne orma, ravel as no longer un or me. Bu I am a anderer and
as no illing o admi ha i as leaving me ever more empy.
We ere reired. Yes, e ere. Was I reired? No ay as I going o
admi ha. I as a rier. And all ha ravel as grea or sories I as
going o rie someday.
So e kep on aking rips and doing imeshare eeks and I kep on
alling deeper and deeper ino a pi I didn even recognize as such. I
suspec he eec as sor o like having your eyesigh ail gradually. Fi-
nally, is jus oo dark o see. Did I see he dark? No. Bu I did eel he
dissonance. I blamed i on living a ee.
ime or he Geography Soluion! he region o he counry
here e lived as ha as making my lie so hard. Ta as ha kep
me rom smiling. Everyhing ould be ne i e lived somehere else. We
needed o move o he Pacic Norhes. Ta ould solve everyhing.
o be sure, here as a hole lo posiive abou he move, and I am
sill glad e did i. Bu i as no he soluion. I spen he nex hree years
eahering a ne nes and creaing ne garden magico very enjoyable
ays o no being a rier ihou having o admi I asn.
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28
I as un o sar over in making a house a home. I as un even
hough e ere ou in he middle o nohere and i as a -minue rip
jus o buy a loa o bread. I as un because i as dieren and hus
challenging. Ho could i ake me so long o cach on? Challengeha
as ha I as really aer. Challenge ha helped me see mysel as ca-
pable. Everyhing I did o keep my lie changing as a ay o help me
eel competentas I deal ih he ne siuaions.
In rerospec, he level o complexiy I injeced ino even simple projecs
as my lieline. I may no have been riing, bu a leas I as thinking.
I as no, hoever, eeling. Or a leas admittingha I as eeling. Even
ih he colossal amoun o change I managed o generae, ha I as
eeling as suocaed, invisible, and dead.
Evenually, i all caugh up ih me. Tings go so black he saes op-
ion le as o go on ani-depressans. I haed he idea. Bu he black void
as so overhelming I kne i as eiher ha or risk doing somehing
supid and permanen.
I ook hose lovely lile pills or six eeksjus long enough o help
me nd my gravesie in he emoional cemeery and sar digging. I nally
admied o hings. Wha I hough as a good marriage as no. And
he person hom everyone else kne and relied on as me as no me
a all. Oddly, my ahers deaha man I adoredaer a long, rich lie,
nally goaded me ino acion on hese o couns. I moved ou o he
dream home and began o search or mysel.
Ten I chickened ou and moved back in. I decided screenriing,
no novels, as my niche. I ook a yearlong online graduae cericae
course rom UCLA and loved i. Wha a blas. I do love screenriing
(also riing novels) bu I as sill rying o do he one-channel hing.
I as also rying o do i in a siuaion ha as no a all healhy or
me emoionally.
Tree years ago, I really did le go o he marriage. I moved o a ne
ciy in he same area, closer o amily and riends and sociey in general.
I sared o join groups doing hings I as ineresed in. I began o make
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29
riends o all sors. I kep up he personal excavaion eors, sill oally
conused abou ha i as I as supposed o be doing.
Te dan nally came hen I realized i asn jus one hing and i
ould never be jus one hing. I need variey and a high level o simulaion
in my lie. I need complexiy. I need un people ho like o do acive
hings. I need o hike. I need o be unny, even zany someimes. I need
o connec ih he Divine my on ay. I ook a major eor jus o ge
o he poin o using he ords I need comorably.
Am I done? No even close. Bu Im started. I ould have been a lo
easier i Id goen a good baseline on ho Ive gron o be beore I le
he career cocoon. Tireen years is a long ime andering around in
circles in he dark. I is my mos sincere ish ha his book helps you
avoid he experience.
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253
Inex
a
acceping your eelings
adjusing o reiremen
adul children
age and menal imbalance
ageism compared o sexism
alloing he young o dene old
anger , , , ,
ani-depressans
aspecs o he physical environmen
aspecs o good inormaion
auomaic pilo aareness o personal needs
b
balance
Barbie
belie in God
blaming he job
blueprin or your reired liesyle
books as resources
c
Cameron, Julia , ,
chasing aer happiness
Choose Your On Advenure
Ciizens es
Code o Honor ,
communiy involvemen
compassion
compeence , compeencies
complexiy , , , , ,
conic, necessiy o
connecing
o he Universe conex o choices
creaiviydeniion
D
day dreams
decision-making , , raionally based ime spen
decision ree decline in inelligence because o age
difculy spending savings
disaser relie
dissaisacion ih radiional reiremen
doing nohing , , , , ,
Don Reire, Reire
Dr. Suess
Dyer, Wayne , , , e
eaing
eecive decision-making ,
emoional honesy
emoional suppor
emoionsbasics exploring eelings
energy , energy level
energy medicine ,
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254
enough money , , ,
exciemen ,
experience drain
family siuaions
ear , , , ake ear
eeling empy
eeling old
ness and healh inormaion
exibiliy
un
gGaain, Shaki
geography soluions moving o a ne locaion emporary moves ravel
eaher driven ,
grandchildren
h
Harkness, Helen , , , , , healh,
physical
Hedonic readmill
hobbies
hogash ,
home preerences
honesy
ho o keep you mind as you age
Iideal pace
illness as an excuse
imporance o using ell-sourced inor-
maion
inormaion gahering ,
inormaion QC
iniial deal breakers
Insiue o Noeic Sciences ,
inangible asses , inuiion , , , ,
involvemen in social organizaions
J
judgmen
k
keep going , , , , ,
kinds o inelligence
kinds o hinking
l
lae blooming inelligence
La o Parsimony
learning ne hings
learning o no hink Lerner, Harrie
level o aciviy ,
liesyle elemens
link beeen aiude and emoion
living o .
looking good
looking young
losing key knoledge
love
as marshmallo emoion
M
malice
Map o Ideal Realiy
Map o Me
meaningneed or
meaningul lives
meaning o meaning
men and creaive ork
menopause and Alzheimers jokes
menal challenge ,
mind/body connecion
Myss, Caroline , , , ,
N
naural energy level
need or variey
negaive hinking nes eahers
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255
neorkarophy a reiremen srech in
neorking ,
deniion exising or ne neork?
Nighingale, Earl
no knoing ,
no me momens
Nun-o-he-Monh Club
nuriion ,
o
Ofce Hours
older omen and marriage openness ,
opinions o ohers
P
pain
parens
passion , , , , ,
passion or ha e choose o do
periodicals as resources
Perls, Friz
pharmaceuical ads
physical aciviy exercise
physical aging
physical aracivenesslooking vibran
physical environmen
physical healhenergy
exercise physical sel aareness
pinch poins
play as menal gymnasics
primary relaionship , ,
prioriies
problem solving , ,
problem solving pracice
purpose
Q
qualiy o inormaion
quiling
rRed Cross
relaionships hormonal eecs on
relinquishing conrol
reiremenas graduaion isolaion in
reiremen choices
reiremen meccas
road ripping role o adul children
role o siblings
roundabous
rouine, desired amoun
Rumi
s
sacred conracs ,
saying no ,
saying yes
sense o compeence ,
shaping he ork
Sher, Barbara , ,
simpliciy
spiriual aspecs o lie
spiriual healhsense o purpose
spiriual pragmaism
spiriual saisacion saying in a bad marriage
sereoypes , ,
sress , , ,
supporing adul children ,
surrender ,
t
emporary geography
en s
erminal busyness
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256
esing boundaries
he nex hing , , ,
hinkingas menal moneky bars
encouraging each oher or an able oher riends ho hink myh o age and inabiliy o hink hings ha hink or us use i or lose i
hinking and inuiion
ime, deciding ho o use
imeshare , ,
oo Young o Reire ,
ouchy eely acors ransormaive dance ,
ravel bugs
rusing he oucome
rying on ne possibiliies
u
Use I Up game
v
values , verbal abuse ,
vicimology ,
vinage perormance bodies
voluneering
voluneer opporuniies
W
andering around in circles ,
ays o keep your mind in shape
ays o srucure ork
ebsiesinegriy o
ebsies as resources
When Anger Hurs
hen o judge
isdom ,
oo oo ,
ork aer reiremen
ork enjoymen
ork or pay in reiremen. riing
aareness o purpose challenges screenplays
y
yo yos
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L ie ater retirement is much more exciting i you look beyondwhat you need or fnancial security as you prepare or it.Mary Lloyd lays out a whole new paradigm or doing this andshows you how to assess what you really want and needphysi-
cally, mentally, emotionally, and spirituallyto make retired lie the most rewardingtime o all. The book will help you conquer the emotional and personal challenges o
stepping out o the workorce with solutions that work specifcally or you.Supercharged Retirement is a valuable wake-up call, particularly i youve been
ocused on fnancial planning alone. This book will challenge your assumptions aboutthis stage o lie, reocus your sense o whats possible, rekindle your passions, and
reawaken your drive to spend your time, energy, and resources on whats important
to you. Youll discover how to
Decide i you really want to retire now or ever.
Design a liestyle or your post-career years thats right or you.
Find compelling ways to act on whats important to you andmaintain your sense o purpose.
Keep your world expanding.
Defne strategies or dealing with likely challenges and potential ears.
A passionate guide or making these years sparkle, Supercharged Retirementturnsconventional wisdom about how to prepare or retirement on its ear. It delivers practi-
cal, easy-to-read advice about a better way to do it, using humor, anecdotes, and exer-cises along with a wide range o actual inormation. I you use this book, get ready to
launch. With Lloyds recommendations, not even the sky is the limit.
www.superchargedretirement.com ISBN-13: 978-0-9798319-3-5
Business & Economics/Retirement Planning US $16.95
MaRY LLOYD has been a pioneer since the age onineteenas a emale geologist, as a woman executive in the
energy industry, and as a champion o a more meaningul,
vibrant version o retirement. She is CEO o Mining Silver, a
company dedicated to the eective use o the potential o the
retired segment o the population.
What Do You Want to Do Next?