Worrying has to be one of the one of the most useless things ever!  It doesn’t accomplish anything except making you feel bad, but we all do it.  We can’t help it.  Our job, our kids, our health, its pretty overwhelming if you let it be.  Then along comes retirement.  One more thing you gotta worry about.  Or do you?

I admit, retirement has its pitfalls.  What if you run out of money, or you pension runs dry?  What if you get bored or depressed or maybe lonely.  Oh my!  Retirement is a big change and change kicks in the worrying center of our brains…I’m assuming we have one since we do it so often.

Well, honestly what’s to worry about?  I suppose if you look at retirement as an end, the scene where you ride off into the sunset as the credits roll, all those worries make sense.  But it’s not the end.  It’s the beginning.  A chance to reinvent yourself.  Head another direction.  Strike out on your own.

So, maybe the money is a little worrisome.  But then again, what’s the worst that could happen.  You have to go back to work?  Of course, I assume you won’t wait until you have three bucks left in your portfolio before taking action.  So maybe you retire at 60 and things are a little tight and then the market takes a dive.  So at 62 you head back to work, maybe find something part-time.  Maybe something you like better.

Is that so bad?  Beats working for those last two years, doesn’t it?  Or maybe you say screw that noise and move to North Dakota where your money goes further than it did in Phoenix.  You’d rather deal with the cold than a job.  Maybe you just downsize your home and modify your spending.  You have options.

Maybe it’s not the money.  You’re worried about boredom.  How are you gonna fill all that free time.  Then you’re worried you’ll get depressed.  On top of that, how are you gonna replace all those friends from work.  You’re kids moved away and now you feel isolated and lonely and you worry retirement will only make it worse.

Options, my friend, you have options.  Once your retired, you have something we all crave.  Freedom.  Not the I have a gazillion dollars kind of freedom.  Real freedom.  You are the master of your own destiny.  You can follow you’re own path, become a new person and do what mere working people only dream of.

Boredom?  If you are bored in retirement, you’re not trying.  The world is full of things to do, places to visit and things to discover.  Loneliness?  C’mon!  You’re only isolated if you choose not to leave the house.  You’re probably more isolated in that stupid cubicle or at the workstation.  Options!

Retirement gives you the options, the freedom, to change, adapt and overcome.   That’s what’s so great about retirement.  You aren’t tied to a job, to a schedule or to a cubicle.  You can come and go as you please, do what you want, when you want.  When those big stumbling blocks come knocking, you have the freedom to face them on your terms.

Look, worrying is part of our nature.  We can minimize it, but it can’t be completely banished.  Retirement, though isn’t something to worry about.  Plan for it, but don’t worry.  Take the positive steps to make it a reality and there’s no need to worry.  Stop worrying about if you can or should retire and start worrying about how to retire.  Life ain’t getting any longer.