退休智慧

智慧退休

退休计划

Is 您r Company Ready for the Aging Workforce?

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通过乔·凯西

那里 are strong crosscurrents swirling in today’s workplace that significantly impact older workers. People are living longer 和 many people expect to work longer than previous generations. But some people do not want to just continue to work in the same way forever. The key things they desire are flexible work policies 和 a pathway to winding down at their own pace. Almost half of the workers surveyed plan to transition gradually into retirement, according to a 泛美退休研究中心报告 published in June.

差距很大

Yet, there is a sizeable gap between what aging workers want 和 what many companies are currently offering. Only 24% of employees in the same Transamerica survey report that their companies offer some type of flexible work options to pre-retirees. Another quarter indicates that their companies don’在过渡到退休人员时为员工提供任何帮助。正式的分阶段退休计划仍然很少见，只有不到10％的公司提供此类计划，尽管非正式的逐步退休安排通常是根据个人进行协商的。

变革之风？

However, there are signs that the powerful demographic shifts underway 和 labor market dynamics are beginning to spur a change among progressive employers. The Bureau of Labor Statistics projects workers 65 和 older as 增长最快的细分市场 美国劳动力的数量，并预测与最近几十年相比，它将占劳动力的更大份额。

彭博社的Carol Hymowitz has pointed out that skill shortages in some industries are leading some companies to develop innovative approaches to retaining older employees to leverage their specialized knowledge. Others are recognizing that figuring out how to leverage a large 和 growing segment of the workforce is simply smart business. The Chief HR Officer of a healthcare company recently observed that “如果我们没有充分利用整个员工队伍，那我们就束手无策了。”. 

贵公司领先吗？

与变革推动者的对话

Paul Rupert，首席执行官 尊敬的出口, is a longtime advocate of flexible work options. Paul joined me on 退休智慧播客 to share his observations 和 insights on future trends in the workplace 和 what his new organization is doing to provide a strong voice for aging workers. He offers savvy 忠告 for individuals on how to approach negotiating an informal phased retirement – 和 guide for HR professionals whose companies want to gain an edge in retaining 和 attracting talented seasoned employees. 你可以听 to our 会话 with Paul Rupert 这里 .

Joe Casey is a former senior HR executive, who is in a second career as an executive coach 和 retirement coach. 

为什么要安居乐业？

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乔·凯西

对幸福的追求。它’在退休中名列前茅。每个人都希望退休后生活愉快。

It’s one of the three “unalienable rights”在《独立宣言》中强调。幸福也已成为一个行业。奇怪的是你’ve read a least one, 和 probably 近年来，出版了无数有关幸福的书籍或文章。

这些天似乎很难实现– at least around these parts. Among countries, Canada ranks 9th 和 the U.S. slipped from third to 19th in the 2017 世界幸福报告。

但是如果你 ’re “按时间顺序先进”就像我上周喜剧演员莎拉·琼斯（Sarah Jones）所说的那样’s good news.

与许多事物不同，幸福在以后的生活中趋于增加。几项研究（包含 D.G. Blanchflower，&Oswald，A.J.（2008）） suggest that happiness follows a U-shaped curve, dipping in mid-life 和 then tending to climb in the 50’s, 60’s 和 70’s.

唐't Settle for Happiness. Aim Higher. Cultivate Purpose 和 Meaning. 点击鸣叫

Is 那 All 那里 Is?

我们都可以同意幸福是一件好事 thing. And it’很高兴知道以后几年它会增加。但也许在那里’追求更高的生活水平。斯坦福大学毕业生的新研究 School of Education 和 Encore.org (Purpose in the Encore Years: Shaping Lives of Meaning 和 Contribution) found that (only) about 3 in 10 of surveyed adults, 50 和 older, expressed that they have “purpose beyond 自己”. Purpose 被定义为从事对他们个人有意义的活动 和 有助于 他人的福祉。

通常，这对许多人都非常感兴趣。但它’很自然地想知道它到底意味着什么以及您’d需要放弃。目的是否涉及高度的牺牲和全心投入？这项研究的关键发现是追求目标是”not a zero-sum game”。报告目的的人 除了自身之外，还发现他们对其他自我导向的活动有较高的参与度，这表明有目的的活动是“and” rather than “either/or.”也许最值得注意的发现是“purpose beyond the self” reported higher levels of joy, satisfaction, 和 optimism. (I’ve never 听过  任何人都抱怨太多。

More Joy, Satisfaction, 和 Optimism? Sign Me Up. Pursue Purpose 和 Meaning. 点击鸣叫

How to Build Purpose 和 Meaning

How do I find my purpose 和 strive for greater meaning? 我们的客人 this week’s episode of 退休谈话 播客 艾米丽·埃斯法汉尼·史密斯（Emily Esfahani Smith）， 为培养追求幸福的意义提供了令人信服的理由。作者 意义的力量, she notes that happiness can be fleeting, while meaning can lead to longer-lasting fulfillment. Emily dispels the perception of pursuing purpose 和 meaning as lofty 和 offers practical 忠告 和 examples of how it can be nurtured in small ways in daily life.  Emily provides insights from positive psychology research, the wisdom of ancient philosophers, 和 her own experiences that will be useful to anyone who is interested in developing more purpose 和 meaning in their lives.

你可以听 我们与Emily Esfahani Smith的对话 这里 .

WHO Will 您 是 in 您r 退休 ?

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乔·凯西

退休后的生活是怎样的呢？

 

“20岁时，您会在乎别人对您的看法，

当您40岁时，您不再关心别人对您的想法，

和 when you are 60, you realize nobody cared in the first place.”

– 温斯顿·丘吉尔

 

你有没有问过某人“你周末过得怎么样？” –  和 regret it when, five minutes later, they’仍然在周六早上一击而败？让’面对它。你真的很期待“ 精细 ” or “W 辛苦的 ” or “Awesome” – or even “不错。你的怎么样？” 任何答案都可以。你呢’d双方都愉快地前进。好吧，事实证明，同样的动态可能与一个重要的问题有关，’在过渡到退休中非常重要。“那么，退休时你打算做什么？” Having a clear retirement vision helps guide your planning 和 decision-making. But while it is important to you, perhaps any answer will do for others.

什么 Are 您 Going to Do in 退休 ?

当你’重新面对这个问题，注意眼睛在哪里。他们会立即告诉您您正在过渡到退休的过程。如果他们向上看，你’re probably in the exploration phase. 您 will likely launch into an exciting 和 rambling answer roaming the landscape of the possibilities you’重新考虑。如果提出问题的人仍然醒着（甚至还在那儿）…），请准备好听听“哦这个’s interesting.”

如果您的眼睛直接注视您的鞋子，则可能是避风港’t taken the time to give it the proper thought yet. 您 may grab some answers from the shelf of classic retirement cliches 和 mumble something about every day being Saturday, catching up on things you’ve可以在房子周围，打高尔夫球或旅行。为...做好准备 “That’s nice”. 

It’就像问题一样 你周末过得怎么样？

任何简洁的答案都可以。

什么’s 您r Elevator Speech?

我们的最新 播客 嘉宾，University of David David Ekerdt博士  Kansas Professor 和 President of The Gerontological Society of America, thinks there’s a better way.  He has studied transitions to retirement for several decades 和 he recommends that we develop an Elevator Speech for retirement –就像您开始新业务一样。

如果你’曾经发表过电梯演讲，’ll know that it is short 和 clear, by design. A lot of thought 和 refinement goes into it.

它迫使清晰。

WHO Will 您 是 ?

埃克特重新构想问题 什么 Are 您 Going to Do Now? 到一个更有意义的– WHO Will 您 是 ?

He suggests that answers to the first question can come from expectations created by cultural norms 和 commercial marketers. Answers to the second one require more reflection 和 tend to come from values. He notes that one of the cultural beliefs that shape our views on retirement is that a busy retirement is best. But a busy retirement is not for everyone. Ekerdt advises focusing on what’对您来说最重要。并做那些事情 按照自己的节奏。

我们生命早期的许多选择都受到他人期望的影响，也许比我们甚至意识到的还要多。生活的退休阶段与自由有关。当您获得退休的自由时，您将如何安排退休的日子？它使您有机会与自己的真实价值观保持一致，以做更多自己想做的事情。丘吉尔建议’现在是时候，我们可以摆脱别人的期望了。  Hear our 会话 与大卫·埃克特（David Ekerdt）一起分享退休的智慧。

 

 

 

Is 您r Attitude in Shape for 退休 ?

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乔·凯西

那里’我们在退休计划中面临很多不确定性。在财务方面，我们可以’控制市场方向，利率或突发事件（Lions 和 Tigers 和 是 ars, Oh My!）。在非财务方面，有一些重要的问题需要解决（我们将住在哪里？我们会怎样做？) 和 many things we can’t fully control, like our health 和 longevity. 那里 is one thing we can control in retirement – our 态度 .

在我的人力资源事业中，我 记得会见一位内部客户，该客户在他的办公桌上醒目地展示着一个不能错过的标志： 态度决定一切。 It rang true then, 和 still does today. A great 会话 with Fritz Gilbert (退休宣言）帮助我体会到过渡到退休有什么不同。

退休带来机遇与选择，以及挑战与损失。追求前者并坚持不懈地追求后者有何不同？您采取的态度。您如何看待事物本质上决定了您如何体验它们。如果您有机会与前同事交谈，’ve retired, you’马上看。 （昨晚我和两个人共进晚餐）。听他们描述退休生活的方式。大多数（如果不是全部）都面临着某种挑战。它’不过是一件有趣的事。通常，那些面临最困难挑战的人会以不同的方式描述他们的经历。您可以听到并以他们的态度感受到它。它们更具弹性。那里’前景不同– 和 it matters.

您 may be thinking, “有些人一直都是那样。” True. But the change of pace in the transition to retirement can test 甚至 the best 态度 s. 那里’调整期。这是人生中难得一见的时刻，您确实会遇到麻烦。 您可以做出不同的选择。它’由您决定。这可能是一个真正的转折点。 （尽管瑜伽士贝拉’s 忠告 ）。

您可能会发现，帮助您在工作期间取得成功的态度需要在退休期间进行一些微调。随着时间花费方式的重大转变，这一点很重要。 您如何确保自己的态度适合退休？如果你’d希望采取对您（以及您所关心的人）有帮助的态度’是一个很好的起点。

注意事项 

从感谢开始。它没有’t take much time 和 it can pay huge dividends.

Gratitude is a practice of taking time to notice, acknowledge 和 appreciate the good in life. 三件事 由宾夕法尼亚大学的马丁·塞利格曼（Martin Seligman）开发，是一种简单的日常操作，’非常有效。保持每日感恩日记是另一回事。它改变了您注意的地方。过了一会儿，你’ll会自动开始寻找好的– 和 savor it more.

为什么要感恩？它’s extremely good for you. A 2018 study by Robustelli 和 Whisman found that higher levels of overall life satisfaction were correlated with higher levels of gratitude. And in times of loss 和 adversity, Chopik et al. (2017) found that gratitude can help people see 和 appreciate the positive sides of life 和 it encourages greater resilience.

它可能只是改变游戏规则的人。为什么？心理学教授芭芭拉·弗雷德里克森（Barbara Fredrickson）指出，积极情绪“broaden 和 build” 和 can create an “Upward Spiral”与其他积极情绪相比，可能会缩小我们范围的消极情绪。

准备退休的软性面

We had a great discussion recently with Fritz Gilbert for our 播客 . Fritz is a corporate commodity trader, who is just weeks away from a well-researched 和 well-planned early retirement at 55. He created his outstanding blog, 退休 宣言， three years ago. At first, he focused primarily on the monetary aspects of creating financial independence 和 early retirement (FIRE). Over time, he’写了许多很棒的文章“softer”退休方面，强调积极计划退休双方的重要性。我经常转推他的作品– it is exceptional 和 practical. I highly recommend his post on 退休十诫。 您’跟随他的帖子会大大受益。

听我们与弗里茨的讨论 退休谈话 播客 to hear his insights on the 更柔和 side of 退休计划. In addition to his wisdom 和 useful ideas, you can hear 和 feel his 态度 。一世 感觉这是他最重要的资产之一’使他退休。它可能会给您一些关于继续培养自己的想法，以便您’退休后身体状况良好。

Fritz Gilbert，@ RetireManifesto，加入了退休对话播客：  听 这里 .

 

参考文献

Chopik，W. J.，Newton，N. J.，Ryan，L.H.，Kashdan，T.B.，& Jarden, A. J. (2017). Gratitude across the life span: Age differences 和 links to subjective well-being. 积极心理学杂志 1-11。

Fredrickson, B. L. (2013). Positive emotions broaden 和 build. In 实验性社会心理学的进展 （第47卷，第1-53页）。学术出版社。

Robustelli，B。L.，& Whisman, M. A. (2018). Gratitude 和 life satisfaction in the United States 和 Japan. 幸福研究杂志, 19 （1），41-55。

WHO’s 您r 退休 Role Model?

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通过乔·凯西

你会重新发明退休吗？今天的退休与前几代人截然不同。你知道该怎么做。对于我们大多数人来说，养老金是遥远的过去的遗物。我们’ve 听过 about them 和 there’在他们的某个地方可能是一个引人注目的博物馆展览–但是它们不是我们现实的一部分。

寿命更长，退休时间更长

那里’寿命也更长。这是双向的。今天为退休储蓄需要投资更多– 和 earlier –资助可能更长的退休时间。但它’这也是一个巨大的潜在机会。今天，我们并没有退回到过去的前门廊上的摇椅上’s retirees are likely to have the time 和 space to be active longer, to continue learning 和 to carve out Second or Third careers on a part-time basis. It’s a new era 和 it’（大多数）令人兴奋，但也有挑战。今天的退休意味着在未知的水域中航行。

Build 您r Own Road Map

我们的客人 退休智慧播客, Dr. Thelma Reese, notes that all of this change creates a dearth of role models for retirement, for both men 和 women.  We can no longer look to previous generations for the pathways. We have to create our own.

WHO is 您r 退休的榜样？

里斯（Reese）博士是两本关于重塑退休生活的出色著作的合著者（女用 和 一个男人），认为我们是我们自己最好的榜样。

Personally, I agree. I think we can be our own role models by continually looking for attributes 和 behaviors in others that we can thoughtfully incorporate into ourselves. These examples can come from many sources, starting with people we know best. 什么 parts would you emulate 和 make your own?

Thelma Reese 和 many of the people profiled in her books are also great sources of wisdom. 如果你 are still working 和 contemplating retirement, one of the smartest moves you can make is to spend some time with former colleagues who have retired to hear about their experiences 和 lessons learned. Get some lunches scheduled 和 catch up.

我认为它’s also important to keep an eye out for attributes 和 behaviors that you don’t want. While these can also come from people we know, they can also come from literature 和 movies. For me, there are some things about John Updike’我要避免的角色兔子（主要是不断食用花生M&M’s). I’d也想避免 “从我的草坪上离开” 比尔·默里（Bill Murray）表现得如此出色’s character in St. Vincent 和 Clint Eastwood’（在都灵（Gran Torino）中是s的（尽管可以很好地模仿他们对指导的转变）。

I’m仍在上旧学校

但是对我来说，成为我自己的退休榜样需要我– ironically – back to my maternal grandparents. Their love of life 和 family, their sense of humor, 和 their ability to get the most out of the small pleasures of life will be my starting points.

听 这里 与Thelma Reese进行了精彩的退休智慧播客对话。她分享了您对一系列主题的见解’会发现感兴趣的（她很有幽默感）。

最后，我’d主动提出建议– if you’re looking for a unique 和 valuable Mother’s Day or Father’节的礼物，她的书– 新的高级女士：重塑中年以后的岁月 和 T新高级官员：探索新视野，新机遇 是本垒打。

Joe Casey is a former senior HR executive who is now an executive coach 和 retirement coach.