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While presenting a stress management workshop, the participants were asked to tell what their daily stressors were. Without hesitation, one lady shouted out, “Too much husband!” Apparently, her husband had recently retired and was just plain getting in her way.

This woman had had a well-greased routine that she followed every day. For years, she got all her chores done with no interruptions or annoyances. Now… every time she turned around, there he was. He was poking into things, getting in the way, and becoming a major annoyance. She couldn’t move without him looking over her shoulder, asking what she was doing, or just standing where she wanted to be going. It had been her turf for a good many years, and now her space was being invaded.

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Retirement calculations are useful for quantifying your goals and also act as a monitoring tool. The calculation process should employ certain variables to provide a context-based result. In many instances, the calculators reveal that individuals have a significant retirement shortfall. Even those with savings in place could find themselves in a position of woe. That alone is no reason to panic and worry. You should just manipulate the controllable variables to determine how you can overcome an apparently insurmountable shortfall.

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While presenting a stress management workshop, the participants were asked to tell what their daily stressors were. Without hesitation, one lady shouted out, “Too much husband!” Apparently, her husband had recently retired and was just plain getting in her way.

This woman had had a well-greased routine that she followed every day. For years, she got all her chores done with no interruptions or annoyances. Now… every time she turned around, there he was. He was poking into things, getting in the way, and becoming a major annoyance. She couldn’t move without him looking over her shoulder, asking what she was doing, or just standing where she wanted to be going. It had been her turf for a good many years, and now her space was being invaded.

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The have it all baby boomer generation.

The baby boomer generation really are the blessed group. Born post second world war they are now approaching retirement age. It’s well documented that the baby boomers worked through a great period of opportunity and prosperity. They had it all!

In the 1980-90’s there was a glut of downsizing and many of those born before the baby boomers were faced with early retirement. They had little chance to do any retirement planning. It did not happen to me as I had started my own business, but I have many friends who were so affected.

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You’ve heard most of them before. They seem like well-meaning retirement advice. But, BEWARE. The following illusions, delusions and downright lies about retirement can be dangerous to your retirement well-being:

1. If you have enough money, your retirement will take care of itself.

WRONG. WRONG. WRONG. This is the biggest and most dangerous lie about retirement. Of course, money is important. Yet, money is only one of 15 “must haves” for a thriving retirement. Focusing only on the tangible financial aspects of retirement and ignoring the other, less tangible, “must haves” is a prescription for disaster. While taking charge of your life, having dreams for the future, and a purpose that pulls you out of bed in the morning are not as quantifiable as, say, $1.3 million in assets, they are just as crucial.

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You’ve heard most of them before. They seem like well-meaning retirement advice. But, BEWARE. The following illusions, delusions and downright lies about retirement can be dangerous to your retirement well-being:

1. If you have enough money, your retirement will take care of itself.

WRONG. WRONG. WRONG. This is the biggest and most dangerous lie about retirement. Of course, money is important. Yet, money is only one of 15 “must haves” for a thriving retirement. Focusing only on the tangible financial aspects of retirement and ignoring the other, less tangible, “must haves” is a prescription for disaster. While taking charge of your life, having dreams for the future, and a purpose that pulls you out of bed in the morning are not as quantifiable as, say, $1.3 million in assets, they are just as crucial.

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