March 15, 2011

The Joy of Retirement

Finding Happiness, Freedom, and the Life Youve Always Wanted
David C. Borchard with Patricia A. Donohoe
2008 by David C. Borchard Adapted by permission of AMACOM ISBN: 978-0-8144-8056-4

Introduction
When people reach the age of 50 they begin to consider retirement and often assume that this means taking on a passive life style, simply sitting around at home or in a retirement community. In The Joy of Retirement, David C. Borchard and Patricia A. Donohoe redefine retirement in terms of making a decisive life change, which does not always mean the end of a persons working career. Throughout the book, they ask thought-provoking questions designed to help older individuals determine what life vision they have for their golden years. They list activities that pertain to the various types of retiring persons and encourage readers to look deep within themselves in order to ensure that the last years of their life will be full of happiness, meaning, and fulfillment. a fulfilling and purposeful life that is in accordance with the new person they have become. This new way of living should take advantage of the work, life, and educational opportunities that are now available to older generations. Instead of using the word retirement, the authors suggest using the phrase life recreation. Retirement suggests a passive action of giving up because one is simply too old to continue. Life recreation, however, connotes a more active and participatory decision to change lifes course. There are three reasons why individuals should embrace the opportunities that life recreation offers: 1. A pension-supported lifestyle allows greater personal freedom. 2. Those in their 50s have a limited amount of time left on earth, so they should enjoy it to their fullest ability.

Reinventing Life
The biggest challenge facing those in their 50s is living

Business Book Summaries March 15, 2011 Copyright 2011 EBSCO Publishing Inc. All Rights Reserved

The Joy of Retirement

David C. Borchard with Patricia A. Donohoe

3. At this point in their lives, individuals have had many educational life experiences, which have left them wiser than they have ever been before. This provides them with a reference that they can use to determine where they want to go in life and what issues and subjects really matter to them. People should not jump prematurely into uncertain paths solely for the sake of changing it up, but they also should not stick to their current path if it is unsatisfying. In order to determine the amount of change they are ready to incorporate into their life, they should ask themselves some of the following questions: Would I be perfectly content if my life continued on the same path for the next ten years? Do I have the same enthusiasm about my work and/or life situation as I have always had? Do I feel energized by my life? Am I not ready for retirement because there is so much left I want to accomplish professionally? Am I happy where I live? Do I have hobbies and interests that bring me personal enjoyment outside of work? Does my current work and life situation fully utilize my best talents and interests?

Key Concepts
Individuals should take the time to sit down and determine what vision they have for their life during retirement. Some individuals may want to keep working, some may want to travel and challenge themselves physically, while others may want to stay at home volunteering and gardening. Retirement creates the perfect opportunity for people to pursue their motivated strengths, which are combinations of both their talents and their interests. Individuals should look into participating in activities that they enjoy but did not have time to partake in during their working years. Those over the age of 50 should choose a living location that supports their vision, talents, and interests. If the person has a life partner, they should sit down with them and go over the qualities each of their ideal retirement locations would have.

If all the answers to these questions are positive, then the person is fully vitalized and comfortable with who they are and excited by the life they are leading. They should continue with their current path because it is working well for them. If they have mostly positive answers with some negative ones, then they fall under the sustained energy category. People in this category have a fairly positive outlook and should maintain the activities that bring energy and passion into their lives. However, they may want to look into incorporating something new into their lives to bring in some added vitality. If someone has answered about half the questions positively and half negatively, then they have enough energy to get by, but not by much. Their lives are lacking full-bodied passion, and they need to reassess themselves and the path they are on to determine what aspects of their life need changing. If an individual has answered mostly or entirely negatively

People looking to retire should make sure to establish criteria for their own personal fulfillment. This entails assessing what success means to them, creating criteria for meeting their definition of success, and then prioritizing their success criteria.
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Information about the author and subject: www.visiontrac.com/about.html www.patriciadonohoe.com/writer.html Information about this book and other business titles: www.amacombooks.org Related summaries in the BBS Library: Career Contentment Dont Settle for Anything Less! By Jeffrey Garton From Average to Awesome Lessons for Living an Extraordinary Life By Jim Smith, Jr.

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The Joy of Retirement

David C. Borchard with Patricia A. Donohoe

to the questions, then they are in desperate need of major positive life changes. They should do some selfreflection and determine what they need to change or let go of in order to revitalize themselves. Those in their 50s can also assess their true age to determine how much of their life needs to be changed. They can do so by looking at their energy levels, their optimism, their curiosity, and their physical strength and activity levels.

slightly expensive. If someone is looking for a more affordable option, they should look into receiving honest feedback from others about themselves. This can be a very useful source of information when it comes to discovering hidden aspects of oneself, but it also only applies to observable behavior. While the undiscovered self does make outward appearances, it can still be tricky

According to the authors, humans In the senior stage of life, whether in conscious awareness or are made up of a discovered self not, the desire for self-realization becomes a primary motivaand an undiscovered self, and the tion. Many people, when asked about what they want to do later years of life are the ideal time to find out who the undiscovered in retirement, say things like travelBut there is another, less self really is. The undiscovered obvious aspect of fulfillment for the golden years to realize self is a new realm of untapped ones full potential as a unique human being. potential, talents, and interests. There are several options for those looking to unearth their undiscovered selves. to determine how much of the undiscovered self is The first option is therapy. The right therapist can be revealed to others. There are also many effective an excellent tool to find out more about the hidden books that can help people on the path to self-discovsides of an individual, however, therapy can be ery. Books are an exceptionally affordable option and can be returned to weeks, months, and years later for reference.

About the Authors

Embracing Transitions
Before a person begins to embrace transition, they first need to understand what transition is and how it is different from change. Change refers to an event, while transition refers to a process. A major life change sets off a chain of inner reactions, and transitions consist of adjusting to the altered life situation over time. The adjustment may be an uncomfortable and lengthy process, but it can ultimately result in an exciting and fulfilling rebirth. In order to properly embrace transitioning into a new and vibrant lifestyle, those in their 50s or older need to come to terms with the fact that they are aging and their time is limited. Doing so allows them to realize that the time they have left is incredibly valuable and will help them during the most difficult portions of their transition period. There are two types of transition. The first is a reaction transition, which involves dealing with a sudden external change such as the death of a loved one. The second type of transition is a developmental transition, which entails gradually accepting that an individual is not the person they once were. Transitions can be painPage 3

David C. Borchard is the author of Will the Real You Please Stand Up: Find Passion in Your Life and Work and has written many other books dealing with the issues of career and life planning. He is a professional counselor and has consulted with high-profile organizations including the U.S. Department of Education, the Veterans Administration, the Social Security Administration, AARP, PBS, and the Maryland Departments of Employment and Education. Patricia A. Donohoe is a minister at the Presbytery of Shenandoah and has served as an associate pastor at Sheperdstown Presbyterian Church. She has taught English and journalism at both the high school and college levels and has worked as a freelance writer. She has also served as the editor of a colleges alumni magazine and has managed the public relations program for a large community college.

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The Joy of Retirement

David C. Borchard with Patricia A. Donohoe

ful and upsetting, but they provide an opportunity for self-realization and invigorating life-reinvention. For that to happen, however, every person has to let the loss process transpire and appropriately grieve for what they have lost. It is only by allowing time for grieving that they will be able to move forward both mentally and emotionally to a place where they will be able to examine new opportunities with an open mind and heart. Those who want to determine how ready they are for transition should ask themselves the following questions: How many years have I been in a stable work situation? How would I describe the memories of the past changes in my life? How well do I adjust to large life changes? How supportive is my significant other in regards to potential change?

Create a support team: When people are operating under large amounts of stress, their emotions have a tendency to take over their actions. This is why it is important for them to have a calm and logical group of people to rely on. Give themselves incubation time: Individuals should not feel pressured to take the first hobby or opportunity that comes along; they should take the time to define their standards for success and take opportunities that meet those standards. Exercise their choice-making power: Asserting their power over the small things in their life can help give them a sense of control during turbulent times. Plan together: If someone is in a committed relationship, they should plan these transitions with their partner.

Utilizing Imagination

Within each human being is a deep well of imaginative power. Tapping into this power can help individuals Those who feel that change is something to be afraid come up with a creative and satisfying life vision and of are not alone. Change is a common source of anxican provide them with countless new hobbies and ety for many people, and there are several ways that interests. Groundless assumptions, fears, and outthey can manage the stresses that come along with dated social stereotypes can destroy these creative major life alterations and transitions: dreams and inspiring visions. Some people think that they must be a career artist in A major life transition also involves a period in the middle, a order to be creative, while others kind of gap between the structured past and a newly recreated believe that creativity cannot be future structure. The time in the gap can be discomforting, but learned. Both of these assumptions are false; many people with it can serve as the incubation period for an exciting rebirth. a wide range of careers are creative and express their creativity through their hobbies and through their work, and Use the life chapter concept: They should think of while it is true that some people have a natural artistheir lives as a book made up of many chapters. tic streak, it is very possible to learn and increase The blank pages of the future chapters will help ones skills in regards to the various forms of artisencourage them to fill the pages with interesting tic expression. The types of people who cannot seem and worthwhile material. to imagine themselves as being creative individuals Create an appealing vision for the future: Individuals are usually suffering from pathway dependency. These should construct a compelling vision to invigorate individuals have a hard time changing and cannot their minds and spirits and provide a navigational seem to envision their futures as different from their map for reaching their full potential. past. However, there are several fun questions they can ask to turn on their imaginative minds and prove Maintain an active physical exercise program: Exerto themselves that they do have the ability to think cise can be particularly beneficial when someone outside the box: is dealing with stress or anxiety.
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The Joy of Retirement

David C. Borchard with Patricia A. Donohoe

Think of a dozen reasons dogs have tails. What are nine unusual ways to blow up a balloon? If they could go back in time and give advice to their 21 year-old self, what advice would they give? What are 15 things they can do with olives, besides eating them? If time, health, and money were not obstacles, what are six things they would like to accomplish before leaving this world?

options they can utilize to invigorate this next portion of their life: Develop a proposal for a needed initiative that is of interest to them. Take a retirement pension but continue to work for their organization as a consultant. Assume leadership of a project that needs revitalization. Become a mentor to a promising younger staff member.

Utilizing a persons passion is an excellent way to Transition into a senior role within their orgaengage their imagination. Passion is the potential nization, or into a different organization that that resides within everyone to transform a normally appreciates their talents and interests. satisfying existence into one that is incredibly engaging and Apply a liberal dose of self-realizing imagination to your meaningful. No two passions are aspirations for the future. If you need help in bringing out exactly the same, and different these idea, talk with others about your dreams. Just be sure people may have many differthat you do so with creative and supportive people who are ent passions. Many passions are hidden away during the early comfortable with out-of-the-box thinking and are unafraid to years of life, only to reveal them- be imaginative. selves somewhere around the age of 50. People then begin to feel a strong desire to evolve The second type of individual is the new work venturer. into the unique individual they are meant to be. This These people are looking to stay within the working awakening is described by Dr. Carl Jung as individurealm but are ready for a new assignment. They are ation, and it should be welcomed. To continue along very motivated by the idea of starting a fresh employthe path of imagination awakening, people should try ment undertaking, such as starting a new career, to exercise creativity in the daily choices they make, beginning their own business, or coming up with an and should remain friendly to others, even strangers, entirely new product or service. New work venturers in order to open up new and interesting possibilities. can take the following options into consideration in order to invigorate this next portion of their life: Determining Life Themes There are several different themes that people over the age of 50 fall into as they look towards their ideal vision of their future. The first type of individual is the gray eminence. These people are looking for work and stability in their senior years. Their career, or an aspect of it, remains an important motivator, and they are not yet ready for full retirement. Their need to continue on in the working world may be contributed to the need for power and status, the desire to mentor younger staff members, wanting to move into senior positions within their organization, or hoping to make a contribution to their field. If an individual feels that these descriptions fit them, there are several Create a proposal and gain funding for a project they care deeply about. Start an entirely new, challenging, and interesting career. Join the Peace Corps or a similar type of organization. Start their own business. Take on an assignment that consists of work the person has never done. Seek a work exchange assignment with a different company.
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The Joy of Retirement

David C. Borchard with Patricia A. Donohoe

The third type of individual is the seeker-explorer. These people are ready to stop working, but are looking for something exciting, challenging, and new to fill their lives with. They may want to engage in a demanding undertaking, achieve a new skill, travel to exotic places, or test themselves physically. Seeker-explorers should take the following options into consideration in order to bring fulfillment to the next portion of their life: Explore places they have never been and learn about new places and cultures. Play competitive sports or challenging physical activities such as sailing, hiking, tennis, and biking. Pursue advanced education in a subject that they are passionate about. Assume a responsible position within a charity or religious organization.

parties. Study a subject that interests them. Become involved with a club or community organization.

Once an individual has determined the core themes for their new life, they should adhere to the following four steps to first determine what their plan should be, and then put it into action: 1. Envision the nature of the kind of future they desire. 2. Translate and record their vision into writing. 3. Determine and claim their passions. 4. Develop a map for getting where they want to go and becoming who they want to be.

Those seeking to reinvent their lives may feel overwhelmed by the large number of possible activities that they could pursue in their now abundant free Master an artistic or physical craft, such as woodtime. In order to determine what activity they should carving, yoga, or martial arts. focus on first, they should make a list of all of the activities that they would like There is a remedy, however, for what might be called unbridled to pursue. They should then go interest production. That remedy is prioritization. For many, through the list and prioritize this can be a bitter pill to swallow, as it means forsaking some them according to their amount of interest, the time frame they have activities in favor of others. But lets face it: this is the only to accomplish the activity, and way to orchestrate multiple motifs into syncopated harmony. the benefit that would be realized from participating in the activThe fourth and final type of retiring individual is the ity. Those in committed relationships should go over sailor-gardener. These people enjoy stability and relaxtheir prioritized list of interests with their partner and ation. They are ready to stop working, but do not want determine what activities they would both enjoy. to engage in grueling or challenging activities. They desire a laid back and quiet lifestyle and are ready to enjoy life and take better care of themselves. Sailorgardeners should look into the following options in order to make the best of the next portion of their life: Reconnect with family and old friends. Go on fun learning outings to places that are historical, beautiful, remote, or romantic. Plant a garden or landscape their yard. Develop new friendships with people who share their interests. Take a culinary course and host various dinner

Moving Past Old Roles

Every person plays many different roles in their lifetime, and these roles often come to shape the individuals identity. Personal identities give people a powerful sense of who they are and allow them to function in the outside world according to that belief. The degree to which a persons identity changes is based on how deeply rooted the persons sense of self is. The deeper the personality is rooted, the less likely it is that their sense of identity will change. When someones roles change, however, it can have a strong effect on that individuals sense of self. Some of these role changes may come about slowly, and some may
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The Joy of Retirement

David C. Borchard with Patricia A. Donohoe

come about abruptly, but many of these role changes tend to occur later in life. The large number of role changes tends to bring older people into a reflective state where they begin to wonder who they are and what their real purpose is.

the wrong kinds of values can limit what a person accomplishes because of the negative self-judgments that their values impose. To determine whether or not someone should reexamine their values, they should ask themselves the following questions:

It is during this difficult time that older persons Has a value I have placed on a career objective should focus on improving their inner sense of self. ever caused me to violate my ethics? To do so, people must first recognize and improve Do my productivity values often overrule my perupon their own negative self-images. They should sonal relationship values? then assess the positive aspects of their personality to Do I let the values of my daily routine keep me determine how they can best utilize and grow these from pursuing alternative interests that may ultipositive aspects throughout their senior years. They mately be more satisfying? should also analyze the previously mentioned life themes and choose which theme best represents their life and use Having clearly defined criteria for success enables us to live that theme as their new guiding each remaining chapter in our life with the self-reassuring role, rather than the roles they knowledge that we are fulfilling our ultimate purpose in life previously filled (mother, father, achieving self-realization. employee, manager), but no longer fit into their new lives.

Establishing Criteria for Fulfillment

During the majority of a persons life, their success is determined by outside influences, such as their job, their pay scale, where they live, and the culture in which they are participating. During a persons senior years, however, many of their former determinants of success no longer apply, and they need to be able to determine their own successes. Because of these changes, it is important for seniors to establish defined criteria for their success. Doing so establishes a reference they can look back to when making important decisions, which will result in better life choices and a more fulfilled existence overall. Fulfillment is the result of enduring and successful experiences that leave a person with rich and lasting memories. This is not to be mixed up with gratification, however, which is a temporarily pleasing experience that does not leave a deep and lasting impression. In order to experience true fulfillment, people need to pursue activities that they find interesting and enjoyable and that are also in line with their core values. Values make up the foundational structure of a persons personal beliefs and guide their priorities and behaviors. Values also influence the way a person judges others and themselves. Sometimes having

If an individual has answered mostly yes to the previous questions, they should take the time to reevaluate their current value system. In order to clarify and prioritize their values, they should follow this three-part plan: 1. Assess what success means to them: List all of the things that they personally associate with success. They should go though the list and assign a rating to each of the criteria in terms of their present opinion, and then go through the list again and assign second ratings that are based on how important they would like each of the criteria to be in their future. 2. Prioritize their success criteria: They should look at the differences in priorities between their present and future. This difference represents the shift in values that they would like to create in the next chapter of their lives. They should make note of the more significant changes in values that they would like to make. 3. Apply their success criteria to their lives: They should determine what changes need to be made within their current life situation to meet their desired values. They should then go about incorporating those changes into their lifestyle.
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The Joy of Retirement

David C. Borchard with Patricia A. Donohoe

Talents and Interests Go Hand in Hand

Every person has been blessed with a unique combination of talents. Talents are capabilities that an individual excels at, and they can be separated into three different categories: 1. Learned talents: those that someone actively studies and practices 2. Natural abilities: abilities that the individual has not learned but is good at regardless 3. Personality endowment: abilities that someone excels at because the activity complements certain aspects of their personality, in the way that the activity of mountain climbing complements an active and adventurous personality

lem, they will do their best to come up with an effective and practical solution. 3. Artisan-Craftsperson: They get satisfaction from practicing hands-on activities such as physically demanding work, enhancing technical skills, and practicing crafts. They enjoy working on machinery and are uncomfortable openly discussing their emotions. 4. Mystical-Intuitive: These people like subjective ideas and utilizing their imagination. They express themselves through creative ventures such as painting or writing and usually trust intuition over logic.

5. Nurturer-Inspirer: People in this category enjoy subjective ideas and values. They Throughout our early and middle adult years, few of us found like socializing and work best when engaging with and influenctime to investigate and explore what our unique gifts even ing other individuals. They also were. Not until we turn fifty-something do most of us have enjoy helping others and watching the time and the inclination to really define our unique gifts them grow and change.

and explore fulfilling ways of applying them.

Just because an individual is good at something does not mean that they need to continue doing it. Not every one of an individuals talents also lies within their realm of interest, and people should not waste their time practicing a talent that brings them no personal satisfaction. When talents and interests combine, they become a motivated strength that moves people to become more engaged, excited, dedicated, and all-around successful individuals. There are six different styles of motivated strengths, and soon-tobe retirees should look over the following categories and determine where their motivated strengths might lie. Doing so can help them determine the kinds of activities that will bring the most enrichment to the next portion of their lives. 1. Analytic Thinker: These people get the most enjoyment from the world of facts, analysis, and cerebral problem solving. They like examining the links between cause and effect and distrust intuition because it does not offer a logical solution. 2. Coordinator-Organizer: These individuals trust data and facts; they enjoy productive, planned activities and like being in control. If given a prob-

6. Playful Performer: These people are empowered by work and personal activities that allow them to learn and perform. They are sensuous, impulsive, and like inspiring and educating others through their work. They make decisions based more on their personal values rather than cold logic.

How to Relocate
The location in which seniors choose to live out the next portion of their life should be congruent with the values and interests they have decided on incorporating into their lives. Sometimes this calls for a change of environment, and when it does, individuals should go over the following requirements to help them determine what they want from their future home. If the person is in a committed relationship, each partner should go over the following requirements, write down those they feel the most strongly about, and compare their lists to see what requirements they agree on. Access to cultural activities Access to nature Access to adult education
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The Joy of Retirement

David C. Borchard with Patricia A. Donohoe

Type of climate Affordability Proximity to family and friends Topography Health care facilities Volunteer opportunities Work opportunities Proximity to religious institutions

also be able to enjoy spending time apart. They should spend some time alone each day partaking in an activity that brings them satisfaction. 7. Seek feedback: Each of the partners should ask people they know for honest and open feedback on their personal behaviors. This will help them understand how their actions come across both to their partners and to others. 8. Invent new behaviors: If one or both of the partners are stuck in old behaviors that have not resulted in a satisfying life experience, then they should discontinue those behaviors and try to learn new things and behave in different ways. 9. Practice optimism: Attitude has a strong effect on actions, mood, and relationships. A negative outlook on the part of one or both partners only serves to strain the relationship and makes it nearly impossible for them to live a meaningful and joyous life together. 10. Celebrate their one-of-a-kind partner: Both members of a relationship should develop a love vision for their partner that consists of all of the aspects of their partner that they adore. They should keep this love vision of their partner in mind during disagreements and make sure to address the behaviors that they do not like rather than attacking the self-worth of their partner. Lastly, couples should avoid setting dangerous goals because overly ambitious goals simply set them up for failure and disappointment. People should move at their own pace and take on only what they can handle, making sure to keep their physical, emotional, intellectual, and spiritual health in mind.
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Maintaining Vitality
With all the changes going on in the lives of retirees, relationship issues are fairly common. Sometimes two different people simply want two, completely different things and neither one can be happy while compromising on their desires. In these cases, it is usually best for the couple to end their relationship and begin looking for someone to share the rest of their life with who shares the same overall life vision and interests. It is often the case, however, that through understanding and small compromises on the part of both parties, most issues can be overcome. There are ten guidelines for regenerating a senior relationship: 1. Renew affiliations: Individuals should look for new relationships outside of their partnership to replace the friendships they lost as a result of leaving work. 2. Share thoughts and feelings: Partners should regularly set aside time to simply talk about what is on their minds. 3. Practice gratefulness: Towards the end of each day, partners should sit down and go over three things that happen during their day that they are grateful for. 4. Examine assumptions: Individuals should take the time to talk with their partners about what their assumptions are to see if they are on the same page in regards to their life purpose. 5. Practice empathy: Both partners should practice imagining themselves in the others situation when they disagree about something. 6. Give each other space: Couples should be able to enjoy spending time together, but they should

Features of the Book

Reading Time: 5-6 hours, 272 pages The Joy of Retirement would be most beneficial to employed persons aged 50 and older who are beginning to consider retirement. The book contains many interactive worksheets and questionnaires that the reader can fill out in order to determine their desired overall life theme, their ideal retirement location,
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The Joy of Retirement

David C. Borchard with Patricia A. Donohoe

and their unique talents. There are also charts and diagrams throughout the book that help to explain the more visual and complicated concepts. The book should be read from cover to cover because David Borchard and Patricia Donohoe discuss the basics of retirement within the first chapter and the reader needs to fully comprehend these broad concepts before proceeding to the following chapters.

Contents
Preface Acknowledgements Chapter 1: Reinventing Your Life at Fifty-Plus Chapter 2: Life Transitions: Ending and Beginnings Chapter 3: Imagination and the Next Season of Your Life Chapter 4: The Life Themes Profiler: Developing Themes for a New Life Chapter 5: Self-Liberation: Transcending Old Roles Chapter 6: Establishing Your Criteria for Fulfillment Chapter 7: Connecting Your Talents to Interests Chapter 8: Relating and Behaving Differently as a Senior Chapter 9: Coming Home: Relocating to the Good Life Chapter 10: Sustaining Vitality: Managing Your Changing Self in a Changing World Conclusion: Authoring Your Life References Index
About the Authors

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The Joy of Retirement

David C. Borchard with Patricia A. Donohoe

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