Aging and Retirement Planning

Bec Wilson, creator of the Epic Retirement Flagship Course, reminds us that the concept of retirement has changed in recent times.  “Retirement” used to mean leaving your job and work because of your age.  It was often age-related with organisations setting mandatory age limits for full-time employment.  Bec notes that a more modern concept of retirement involves choice – choosing to live off income from investments, superannuation and pensions while undertaking personal exertion in relation to work that you choose to do (whether paid or voluntary).  There is also the choice not to work at all but to pursue your “bucket list”, including travel options or explore hobbies or other recreational/sporting activities.  Bec explores these retirement choices extensively in her book, How to have an Epic Retirement.

Barriers to retirement planning

People are often fearful of retirement planning because they are concerned that they will “run out of money”.  They may be anxious that stopping work will leave them without a purpose and structure to their life.  Many people define themselves by their work role – e.g. a teacher, social worker, lawyer, accountant, or librarian – they are concerned that they will lose their identity if they stop working.  Others are concerned that they  will not be able to enjoy their retirement because they will be afraid to spend money.

One of the biggest barriers to retirement planning is attitudes to aging.  The impact of negative beliefs about aging is pervasive – reaching into  every aspect of our life.  Research shows that negative aging beliefs can have a damaging effect on us, both physically and mentally.  It can severely restrict our perception of options open to us, including retirement planning.  “Ageism” portrayed in the media reinforces negative portrayal of the aging process, highlighting the elements that “decline” without counteracting that with the positive benefits of aging.

In contrast to such reinforced negativity, positive beliefs about aging have numerous benefits including longevity; enhanced knowledge, understanding and wisdom; improved capacity to handle stress; heightened creativity; and improved physical health.  Positive beliefs about aging also free us up to explore the many options available to us in planning our retirement. 

We can develop positive beliefs about aging by increasing our awareness of the pervasive presence of ageism while exploring positive images of aging portrayed in memoirs and stories of exemplars and by interacting with aged people in our family and social network.  With this kind of ammunition we can more readily challenge the assumptions behind negative stereotypes of aging.  We can also begin to explore options for ourselves as we begin to consciously plan for retirement.

One member of the community-based The Epic Retirement Club, Sam Sang,  maintains that we each have “retirement superpowers” – unlimited energy, instant skill mastery, endless travel.  Other members empathise the freedoms that they and other retired people enjoy.  This community sharing of real retirement experiences  contrasts sharply with the pervasive perception that retired people do not have the capacity to contribute to society, are unable to enjoy life and experience severe limitations.

Planning for retirement

Bec is motivated by the desire to help people better understand the choices they have by learning about what supports are available to assist with retirement planning and, in the process, to “figure our what’s really important to you.”.  To this end, she not only provides her Epic Retirement book and Flagship Course but also a 150 page, practical Workbook to “guide you through each module” of the Course.  Bec suggest that you undertake the Course and complete the Workbook with your partner or an “accountability buddy” who  could be a friend.

The Course and Workbook are structured around what Bec calls the Six Pillars of retirement – time, financial confidence, health, happiness and fulfillment and travel.  For each of these pillars, she provides a series of questions and points for discussion, along with quizzes and the space to record our own answers.  For example. Bec provides a basis for calculating longevity to highlight that we often have much more time in retirement than we envisaged based on old data – nowadays, people are looking at 30 or more years in retirement given increased longevity owing to medical breakthroughs, new health and exercise regimes and extensive lifestyle advice.

To assist us to develop financial confidence, she provides the means to calculate whether we have the financial resources to support a comfortable or modest retirement or whether we will be dependent on a Government pension.  A number of exercises in the workbook support this latter source of income.  Bec helps us to complete both the asset test and the income test to enable us to see whether or not we qualify for the Australian Government pension and related financial and health concessions.  For those who are on the borderline of the relevant pension cut-offs, she assists us with suggestions of how we might qualify for the pension in the future.

In relation to health, Bec offers suggestions for ways to improve health outcomes and longevity, including diet, exercise, building a daily routine, managing health risk factors and ensuring you undertake preventative testing at the recommended intervals.  For those of us who experience chronic inflammation, she strongly argues for the need to reduce inflammation by identifying and managing triggers (e.g. foods, environmental toxins and harmful stress).

Her discussion and questions concerning health and happiness are comprehensive and covers aspects such as transitioning to retirement, research about happiness, creating meaning, maintaining and developing relationships, epic pursuits and goals.

In relation to travel, Bec shares the idea that there are potentially three phases of retirement travel: (1) active and independent travel, (2) less active, slower pace travel with the possibility of assisted travel, and (3) travel closer to home (avoiding the rigours of international travel and seeking more comfort).

Reflection

My wife and I are completing the Epic Retirement Course and Workbook together.  We find that this approach is a catalyst for a number of important discussions, including what we will do in retirement; where we want to travel to (we have already been overseas a number of times); how we can create a comfortable retirement; what financial planning we need; what are our assets and overall financial position; how much we will need to live on; where we will like to live in retirement; how we provide for our children; and how to structure our wills.

Bec identifies 5 key stages of retirement: (1) prime time, (2) adjustment, (3) epic retirement, (4) ageing, and (5) frailty.  Even though my wife and I are at different stages of retirement (owing to a 10 year age gap), we are able to use the Epic Retirement Course and Workbook to work towards an agreed, shared retirement future.

Mindfulness practices can help us to develop positive beliefs about aging and contribute to our longevity (we have been married for forty years).  As we grow in mindfulness, we can broaden our retirement options, enhance our creativity and develop new skills relationships and travel options.

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Image by 🌸♡💙♡🌸 Julita 🌸♡💙♡🌸 from Pixabay

By Ron Passfield – Copyright (Creative Commons license, Attribution–Non Commercial–No Derivatives)

Disclosure: If you purchase a product through this site, I may earn a commission which will help to pay for the site, the associated Meetup group, and the resources to support the blog.

Discovering Pickleball – An Alternative to Tennis

I never thought I would be writing a post that elevates pickleball to a similar level as tennis.  As a “tennis tragic” I thought that pickleball was not the “real thing” as it is played on a court the same size as badminton and is promoted as a mix of this sport together with table tennis and tennis.  It clearly hasn’t the depth of traditions of tennis and the great battles of the Grand Slams and Davis Cup matches.  My disparagement of pickleball was shared by many in my tennis fraternity.

Necessity is the stimulus for innovation and a mind shift

I found as winter progressed again in Brisbane that the arthritis in the middle finger of my playing hand had worsened to the point that I had difficulty holding my tennis racquet and playing tennis caused a lot of pain.   Added to this, was the ever-present threat of exercise asthma caused by exertion in the cold air (I take a couple of puffs of my inhaler before playing to prevent an asthma attack occurring).

The arthritis in my finger makes it difficult to execute my tennis shots with any consistency to the point that the attraction of experiencing competence in the game of tennis is diminished considerably and is replaced by frustration at not being able to execute what I have been able to do previously without difficulty.  The arthritic condition of my finger is aggravated by “allergic arthritis” brought on by my MCAS chronic illness.

I have not been able to use my first serve in tennis for a number of years as it puts too much pressure on my weakened back.  A recent diagnosis of multilevel disc degeneration in my spine has made this even more critical. 

Ageing and pickleball

As I age, I lose speed in my reflexes, stamina in my body, strength in my arms and legs and overall fitness.  While I use walking, stretch exercises and Tai Chi to offset these diminishing physical capabilities, there is an inevitability about the downward trend owing to wear and tear over many years.

The experts in ageing tell us that we can prevent the onset of dementia by physical and mental activity, especially by learning new skills that involve a cognitive component.  For tennis players, pickleball requires a new language (paddle instead of racquet, dink instead of a drop shot) as well as new rules.  New rules to learn for pickleball doubles include:

  • You have to be serving to earn a point
  • With the exception of the first serve of a game, once one server (Server 1) loses a point, their partner (Server 2) starts serving until they lose a point (then serving reverts to the opposing team)
  • For the first serve of the first game, the first server is treated as Server 2 and once they lose a point, the serve immediately reverts to the opposing team (this can be difficult to get your head around!)
  • You are not allowed to volley in the “Kitchen” (an area seven feet from the net which exists on both sides of the net).
  • You have to serve underarm
  • Double bounce rule – the server must let the return bounce before hitting the ball (unlike tennis where you can volley a service return).

While there are competitions and international tournaments dedicated to young pickleball players, there are distinct advantages of  pickleball for older people.  These advantages include:

  • It is not as physically demanding as tennis
  • There is a strong social element to the game (if you do not play competition)
  • There are protocols for frequent rest breaks/drink breaks
  • The rotation system enables at least an eleven-minute break (the length of a game) when your time off the court arrives
  • You can take advantage of your competencies in other racquet sports acquired over the years
  • The Kitchen rules re volleying “keeps the athletically and physically superior from dominating the game”
  • It helps to maintain fitness and the motivation to keep fit
  • The underarm service action places a lot less pressure on your back in comparison to the overhead motion of a tennis serve.  (This has proved important for me as a recent diagnosis of neuropathy led to the discovery of multilevel disc degeneration in my spine.)
  • Provides a chance to meet new people and extend your social network
  • It can be played at various levels ranging from social to Advanced (competitive and tournament play); “social” means social.  As one Pickleball trainer/coordinator explained – in social pickleball you are meant to play to the level of the opposition (e.g. withholding more advanced shots when playing beginners) – an ethos rarely shared in social tennis.

Using pre-existing skills and competencies

One of the attractions for me in pickleball (being a new arena for me) is the opportunity to try out different shots each time I play.  Unlike a tennis racquet, the pickleball paddle does not have strings and the ball comes off the paddle differently to a tennis racquet.  While you may have competencies in spinning, volleying, lobbying and smashing from playing tennis, you have to make adjustments when using a pickleball paddle with a plastic ball.

The bounce of the ball is very different and requires  a lot of knee bending.  However, the challenges associated with a new “bat” and ball make it necessary to make adjustments to playing shots and to learn new skills.

Existing tennis skills such as anticipation and preparation can stand you in good stead when playing pickleball.  You can also draw on different spins you have mastered such as topspin, backspin and slice.  For those who have mastered the two-handed backhand in tennis, there are pickleball bats with an extended grip to enable two-handed shots.

Competency in devising game strategy is transferable from tennis to pickleball. For example, tennis drills designed to develop skills in controlling the net in tennis doubles can be drawn on when playing pickleball.  This could involve drop shops (dinks), or playing the ball long, sliced or angled to place an opponent at a disadvantage.  Other tennis drills associated with playing the ball down the line can come in handy in pickleball as very few people use (or able to use) this strategy in social pickleball.


Reflection

In a previous post I explained how tennis can help us to grow in mindfulness by developing our focus on the present moment, improving our capacity to pay attention, increasing our ability to act with intention and strengthening our resolve to “accept what is” (both our mental and physical capabilities at the time and those of our playing partner and opponents).  Likewise, pickleball can provide growth in mindfulness as a rich fringe benefit, especially when we play socially and choose, on purpose, to play at the level of our opponents.

I have also shared how I have found that Tai Chi, as a regular mindfulness practice, can develop tennis competence by improving concentration, coordination, reflexes and the ability to tap into heightened insight and instinctive responses embodied in body memory.  I’m discovering that this is true also of pickleball as I unconsciously access tennis skills developed over many years of tennis practice and playing.

In reflecting previously on my tennis game and skill, I wrote a poem called, For the Love of Tennis.  Reflecting on my discussion of pickleball, I have now developed an Ode to Pickleball titled, For the love of Pickleball.

 For the Love of Pickleball

Pickleball can be playful and fun:
Accessing our childlike creativity,
Building partner relationships.

It can promote growth:
Learning a new language, rules and skills,
Growing in mindfulness and sensitivity.

It can develop competence:
Using new tools in different ways,
Experiencing joy in execution.

It can enhance fitness:
Using new muscles,
Increasing motivation to stay fit.

Pickleball for quality of life and longevity:
Learning, laughing and enriching,
Moving beyond limited mindsets.

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Image by Nils from Pixabay

By Ron Passfield- Copyright (Creative Commons license, Attribution-Non-Commercial -No Derivatives.

Disclosure: If you purchase a product through this site, I may earn a commission which will help to pay for the site, the associated Meetup group and the resources to support the blog.

Aging: Being Open to Opportunities

Day four of the Radically Reframing Aging Summit challenged us to be open to the opportunities that aging presents.  Each of the four presenters in their own lives and their own words demonstrated that they had reframed aging and viewed it positively as a period of possibility and creativity.  They reinforced the view that aging requires personal adaption and a resetting of expectations as there are some things that they can no longer do.  However, this does not preclude the potentiality of exploring new opportunities in work, play and life generally.

The interviewees – Lottie Tartell, Joseph C. Maroon, David Sinclair and William Shatner – stated that what is required to be open to opportunities as we age is not only examining our blind spots but also building mental and physical fitness to undertake new endeavours. William Shatner reinforced the mental openness required by reiterating the exhortation of Viktor Frankl to “Say Yes to Life” in spite of what happens when we are aging.  Each of the interviewees have demonstrated in their own lives and their exploratory pursuits that physical age does not define us and our capacity to be open to opportunities.  However, our mind plays a key role in what we enable ourselves to do and pursue.

  • Lottie Tartell taught at Hofstra University for four decades and became an Adjunct Associate Professor in Economics and Geography.  She indicated that even at age 96 she still undertook exercise classes, had an active social life and was engaged in community service as well as playing the violin.  She had to deal with grief with the loss of her husband, Dr. Robert Tartell, in 2013 (after 65 years of marriage), as well as the loss of friends and other family members.  She indicated that she did not dwell on getting old but did what she had to do each day.  Lottie has been active in the Women’s Movement through Planned Parenthood and with Robert had set up the Tartell Family Foundation providing funds to many charities.
  • Dr. Maroon is a neurosurgeon and author and completed a triathlon at the age of 81. He is noted for his research work and innovations in the area of concussion and neurotrauma.  His recent book (2020), Square One: A Simple Guide to a Balanced Life – 2nd Edition, provides insights into his own early setbacks and resultant depression and encourages people to experience a joyful and creative life by achieving balance and avoiding burnout by prioritizing health, meaningful work, relationships that are strong and spirituality.  In his interview, he urged people who are aging to “be mindful and aware of where they are“ in everyday life, especially in relation to sleeping patterns, exercise and diet.  In his earlier publication, The Longevity Factor, he highlighted the beneficial effects of Resveratrol and other related natural substances found in red wine, green tea, berries and dark chocolate.   Dr. Maroon is a strong advocate of mindfulness as a means of achieving awareness and life balance and living a long and healthy life.  In his Summit interview, he maintained that the harmful effects of stress, such as elevated cortisol in our bodies, could be controlled by mindfulness practices such as Tai Chi, yoga, meditation and prayer.
  • Dr. David Sinclair, genetics professor at Harvard Medical School, is the author of Lifespan: Why We Age – and Why We Don’t Have To.  He maintains that the goal of research into genetics is not to prolong a life of suffering and disease but to achieve “prolonged vitality” – more active, happy and healthy years of life.  In other words to “live younger longer”.  Like Dr. Maroon, David takes a Resveratrol supplement daily and in his book on lifespan he explained in detail how the beneficial effects of this natural molecule were discovered, including in his own laboratory and in experiments on his kitchen table.  He suggests that the beneficial effects of Resveratrol in extending lifespan can be enhanced when combined with intermittent fasting.   In the interview, it was clear that “he practices what he preaches” in terms of exercise, diet, and lifestyle.  He also spoke passionately about new discoveries in the area of “reverse aging” which he discussed at length in his lifespan book as well as the benefits of “delayed aging”, including the economic benefits for society.
  • William Shatner epitomised the philosophy of “seize the day” (carpe diem) and spoke enthusiastically about the  need to be open to the opportunities that aging presents.  At age 90, he was the oldest person to travel into space and this was for him a life-changing event.  He spoke passionately about his deep insight into the beauty and fragility of earth, a theme he had recounted in many other interviews.  Bill, as he is known, is a prime example of living younger, longer – he is a multiple best-selling author, highly-awarded actor, film director, song-writer, charity worker, and rides horses competitively.  He is a living inspiration of what is possible as we age.  His positive philosophy on life is reflected in his latest album, Bill, and his latest book (2022), Boldy Go: Reflections on a Life of Awe and Wonder.  In his Summit interview, he spoke extensively and enthusiastically about the wonder of earth and every living thing and demonstrated a “don’t know mind” as he marvelled at the unending mystery of life and earth’s ineffable beauty.

Reflection

To some extent the revelations on Day 4 of the Radically Reframing Aging Summit were overwhelming but also immensely inspiring.  There was so much to think about and take on board. The presentations were energising and empowering in terms of living a fuller life, longer.  There was  very strong encouragement to be open to the opportunities afforded in aging which enable us to explore personal freedom and pursue unfettered creativity. 

There was also very strong reinforcement of the message that as we grow in mindfulness, we enrich not only our mind and body but also increase the quality of our life and extend our lifespan.  We can stay younger longer as a result of mindfulness practices that help us to manage stress effectively in our life, build a positive attitude, enhance our emotional regulation, develop wonder and awe, actively engage in social networks and undertake compassionate action.

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Image by Patrik Houštecký from Pixabay

By Ron Passfield – Copyright (Creative Commons license, Attribution–Non Commercial–No Derivatives)

Disclosure: If you purchase a product through this site, I may earn a commission which will help to pay for the site, the associated Meetup group, and the resources to support the blog.