Below is a transcript of the recent 'Retirement: How to Surviveand Thrive' online chat conducted March 24th on WAVY.COM.
Brooks KXAN: Hi, and welcome to our chat on retirement. We'llbe starting in about 13 minutes.
Melissa Schenker, Work/Life: Hello!
Dr. Nancy K. Schlossberg: I am Nancy K. Schlossberg--I amfascinated with transitions and especially the retirementtransition.
Brooks KXAN: Hi there, panelists!!!! Let's get started! i'dlike to introduce our panel today...
Dr. Nancy K. Schlossberg: I look forward to our conversation.nancy
Brooks KXAN: Dr. Schlossberg is an expert on retirement andaging issues. And Melissa is our moderator and work/life coach whofounded Work/Life Austin.
Welcome, both of you!
Melissa Schenker, Work/Life: Thank you!
Brooks KXAN: I'd like to ask Melissa to kick things off todaywith a few thoughts on retirement - specifically, what kinds ofissues it brings up for people in their lives. Then we'll ask Dr.Schlossberg to give some of her opening thoughts. THen we'll takequestions.
Melissa Schenker, Work/Life: From the personal perspective,it's one of those things that must be planned for, but which isalso best viewed as an experiment. So many things will change andought to be thought about - identity, social interaction, how onefinds meaning, marriage relationships, community connection.
Twitter ideas4retirees: Retirement Will Kill You!!!!http://bit.ly/bBUkri
Dr. Nancy K. Schlossberg: I agree with Melissa. I seeretirement as a series of transitions. Most people focus on theirfinancial portfolios. I am concerned about their psychologicalportfolios. As one man said to me, "I knew I had enough money. Idid not realize that I really had to find a new life, a newstructure for my life."
Brooks KXAN: Occasionally I"ll publish comments with littleicons next to them - those are from Twitter, and they're justshowing the buzz out there about the topic.
Brooks KXAN: My friend's dad just retired after 35+ yearsworking for the government - FAA - and right before it happened, hetold us he was terrified.
Melissa Schenker, Work/Life: Probably the people who make thetransition most successfully are the ones who put some thought intoit in advance. And, even with that, people ought to be patient withthemselves. Frequently what looks great from the outside, turns outto be a bit different in reality.
Dr. Nancy K. Schlossberg: The person who twittered,"Retirement will kill you." raises an interesting point. Retirementwill kill you if it means doing nothing. But if it is seen as atransition which presents opportunities to follow different paths,then it is an energizer--not a killer.
Brooks KXAN: Now he's complaining that his wife is talkingback to him after all these years :) I figure it's because he'saroudn the house all the time. She retired a while back, and isloving it.
[Comment From Young momYoung mom: ] I am in my early 30s andam definitely worried about having enough retirement - already. Dr.Schlossberg, what is the estimated amount a person retiring inapprox. 30 years should have saved to retire 'comfortably'?
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Are you ready for retirement?
( 17% )
( 33% )
Not even close
( 50% )
Dr. Nancy K. Schlossberg: I cannot answer your question aboutmoney. I am a counseling psychologist and not a financial expert.It is important to discuss this with a financial person. I foundthat it takes more than you think.
Melissa Schenker, Work/Life: Fear is not uncommon, and formany good reasons.
Dr. Nancy K. Schlossberg: I would like to share the variouspaths I found that people follow:
There is the Continuer--keep doing what you did but modifyit;
There is the Adventurer--doing something entirely different;
There is the Searcher--looking for his/her nitche;
There is the Easy Glider--taking each day as it comes;
There is the Involved Spectator
[Comment From early retireeearly retiree: ] I was forced intoretirement at an early age and had to figure out how to survive offof my SSI check which was a big difference from my pay check. ..how do I plan for the future?
Melissa Schenker, Work/Life: Young Mom - what you need forretirement depends on things like your standard of living, the costof living, etc. There's not a one-size fits all answer. It is bestto do some financial planning with a professional to get a handleon what you might need.
[Comment From early retireeearly retiree: ] I think thetoughest adustent for me was trying to figure out what I was goingto do with my time. I became very depressed.
Dr. Nancy K. Schlossberg: Early retiree-- forced into atransition is never easy. It makes us feel out of control. But ifyou can see it as an opportunity to pursue new paths, it will beeasier. nancy
Melissa Schenker, Work/Life: early retiree - is work anoption or not?
Brooks KXAN: Young mom - i'm looking up some resources foryou right now ..
Dr. Nancy K. Schlossberg: Have you ready any books onretirement planning?
When will you retire?
In the next 5 to 10 years
( 33% )
In the next 20 years
( 50% )
I was supposed to retire a long time ago
( 0% )
No plans to retire.
( 17% )
[Comment From early retireeearly retiree: ] Work at this timeis not an option because doing 40 hours a week was making me sick.I was in the hospital a lot and I was involuntarily terminated.
Brooks KXAN: Nancy has actually written some books on thesubject of retirement transitions - i'll add links here in a secondwhile she discusses what they're about.
Dr. Nancy K. Schlossberg: I think there are some goodresources for you, and one is to visit your community college oruniversity. Most have career centers and can help with some careercounseling.
[Comment From early retireeearly retiree: ] I have chosen todo advocacy work. It helps my mental health a lot and it gets meout of the house. With this type of work, I can go when my bodysays I can and not go when it does not want to go.
Melissa Schenker, Work/Life: Early Retiree -- Work was makingyou sick? Would all forms of work be likely to do that given yourhealth situation, or was it specific to your field? I understandwhat you're saying - that it's not an option right now. But, justwondering....
Brooks KXAN: Revitalizing Retirement, 2009
Brooks KXAN: Here's an About.com resource guide for financialretirement planning
Dr. Nancy K. Schlossberg: Ok, I would be happy to mention mybooks. Let me first explain how I happened to write books onretirement. I wrote books on transitions in general. Then I retiredand found I was having difficulty adjusting. So then I startedinterviewing people and ended up writing two books on retirement.You can check them out on my web, www.transitionsthroughlife.com
Melissa Schenker, Work/Life: Early Retiree - advocacywork/volunteer work are great things to do. Not only does it giveyou some purpose, it provides structure, social interaction, andprobably helps you stay current.
Dr. Nancy K. Schlossberg: Melissa is correct. YourPsychological Portfolio includes your Identity, your Relationships,and your Purpose. Those need to be strengthened.
[Comment From early retireeearly retiree: ] Melissa, I thinkit was the demand. I have a dual diagnosis. . .sickle cell (ss) andmultiple sclerosis. I also fight with depression. I hope to workagain in the future but right now, I have to work on getting backto "healthy". . .
[Comment From BellaBella: ] Hi all, I could really use somehelp with retirement advice.
[Comment From Retird GovtRetird Govt: ] We sold our where welived and put it in savings. It is enough to cover our house wepurchased a few yrs ago in Tx. Should we use that money to pay ourhouse we now live in retirement.
Brooks KXAN: Just to be clear, our experts today are more onthe transitions than on financial, but we ahve researchers here atKXAn whoa re helping you find some great resources for that.
[Comment From early retireeearly retiree: ] Dr. Schlossberg,I will check out your books. Thanks for the advice.
Twitter davidwsumner: RT @SFANART “THERE’S NORETIREMENT FOR AN ARTIST, IT’S YOUR WAY OF LIVING SOTHERE’S NO END TO IT.” - Henry Moore
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Melissa Schenker, Work/Life: Early Retiree - then I'd say youare likely on a good track. Staying engaged in the world withoutgetting overwhelmed is the balance you seek at this point. If youdon't feel you've got it right, then pay attention to what feelsaskew for you and brainstorm for yourself about what you can doabout it.
Dr. Nancy K. Schlossberg: You make an excellent point. Ifyour work is your life--you are a writer or an artist--there is noretirement.
Brooks KXAN: Reitrd Govt - here's a source for you on that..Linked above.
[Comment From rick garciarick garcia: ] have you heard of agovernment plan called "Guaranteed Retirement Account" or Universal401k?
[Comment From BellaBella: ] Oh, okay, thanks for letting meknow! But I will have some trouble definitely with the transition.I'm a hard-working mom with a full-time job.
Brooks KXAN: Then stay with us, Bella!!! We've got a coupleof experts right here.
Brooks KXAN: Rick - checking on that for ya...
Brooks KXAN: Experts? Have you heard of anything like that?
Melissa Schenker, Work/Life: Bella - what sort of things areyou grappling with?
[Comment From BellaBella: ] Thanks, Brooks. This chat shoulddefinitely help me figure things out!
Brooks KXAN: Rick -
Here's the AARP on the subject - comparisons of both thethings you're mentioning ...
It's a good chart, I'd recommend.
[Comment From BellaBella: ] Well, I'm a little worried aboutthe transition. For example, will I have enough money? Should Istay in the house I'm in or move to a smaller apartment for one?Very confusing stuff, eh?
Dr. Nancy K. Schlossberg: One woman told me that she used tohelp organizations write mission statements. She is retired andrealizes she needs a mission statement for herself.
How do you view retirement?
Looking forward to it!!
( 63% )
( 13% )
Wondering if I'll ever get there.
( 25% )
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Brooks KXAN: (If Gisele can do it, you can!)
Brooks KXAN: <----- nerd alert - lightening things up.Carry on!
Melissa Schenker, Work/Life: Rick - I've heard of thoseconcepts, but my impression is that they were policy proposals andare not current reality. Not an expert on financial aspects ofretirement, though...
Dr. Nancy K. Schlossberg: Bella,
You need to meet with a financial person and also think aboutwhich path you want to pursue. Do you want to adventure and dosomething new? Maybe set up an internship for yourself.
Twitter marilynmilligan: Finally remembered my password! Amonth into retirement & I’ve forgotten lots already :-)
Dr. Nancy K. Schlossberg: What do you mean about you haveforgotten things? Can you share a little more.
Brooks KXAN: Melissa and Nancy - how would one go aboutwriting a Mission Statement for Themselves?
Melissa Schenker, Work/Life: Bella - yes, those questions areconfusing. It's what financial advisors should be able to help youfigure out.
Brooks KXAN: That comment about forgetting things is fromTwitter - so i can publish her stuff, but she can't see ourcomments. Sorry I forgot to mention that part! :)
Brooks KXAN: They're for carrying on the conversation, morethan anything.
[Comment From early retireeearly retiree: ] Thanks Melissa. Iwill.
[Comment From BellaBella: ] Well, Nancy, I've always stayedon the safe side so maybe I SHOULD take an adventure; do a littlesomething for myself. I always always always put my kiddies first,but after I retire (terrified!) I should always have time put awayfor something fun and adventurous!
Melissa Schenker, Work/Life: Brooks - great question. There'sa book, called "The Path" that has a process for individuals. Ithas a number of exercises that lead to the creation of a missionstatement.
Dr. Nancy K. Schlossberg: Mission statement--What do you wantto do in the next few years? What is your mission in life? Onereporter told me his mission in retirement was to have an art showand to begin seeing himself as an artist. One retired governmentemployee said his mission was to help people. Actually, I wroteabout him in my first book, Retire Smart, Retire Happy. He decided(much to the shock of his friends) to become a message therapist.He had a mission to help people that way.
What is your mission?
Brooks KXAN: Nancy's author page on Amazon.com
She has some great books on this subject.
[Comment From hotman485hotman485: ] My wife and I just gotdivorced. We had been working on a retirement fund together for thepast fifteen years and now I'm at a loss. Can anyone help me?
Melissa Schenker, Work/Life: A mission statement for anindividual is very much like one for an organization - it's aboutcrystallizing your core motivations and values into a motivatingsentence that can help guide your actions and decisions.
Brooks KXAN: Here's an About.com resource guid on that,Hotman
Brooks KXAN: It's called Dividing Retirement Assets inDivorce. Speaks exactly to your issue.
[Comment From hotman485hotman485: ] Thanks, Brooks. I knew Icould count on you.
Dr. Nancy K. Schlossberg: Thanks. My interviews with manypeople for both Retire Smart, Retire Happy and RevitalizingRetirement, showed the resiliency and creativity of people intransition. You might feel stuck, but reading about people, lookingat books like the one Melissa suggested, seeing a couch, starting asupport group--all of those things can help.
Brooks KXAN: Hey! My pleasure.
[Comment From hotman485hotman485: ] Brooksy, thanks again.pleasure talking to you.
Brooks KXAN: :) Right back atcha! good luck, man.
[Comment From hotman485hotman485: ] Thanks, babe.
[Comment From imatalossimataloss: ] Retirement? S.O.S!
Dr. Nancy K. Schlossberg: One of the most important things Ifound was finding your connector. One man who retired at 70 wasmarried to a younger woman. The first day after retirement, hiswife went to work, his kids went to school and there he was withhis mother-in-law. He called a woman who had written columns forthe local paper and said, Help. She connected him with a forestranger where he worked for the summer. She then hired him. Younever know what is around the corner.
Brooks KXAN: WHILE YOU'RE HERE - next week we'll bediscussing FINANCIAL PLANNING aroudn retirement with a financialexpert who can help you answer the money questions you're grapplingwith.
So come back next week for those. Stay here today forhead-related stuff :)
Brooks KXAN: Why do you suppose people might wait untilretirement to pursue those things? I mean, aside from money issues?
Or is it only money issues?
[Comment From rick garciarick garcia: ] okay thanks, justafraid with the current fiscal situation that the government mightdecide to take control of our retirement options. The GuaranteedRetirement Account basically forces you to participate by takingaway the current incentives to save in a retirement account. Likeemployer matched contributions.
Dr. Nancy K. Schlossberg: I have written about the Planningconundrum. We are told to plan ahead yet people resist planning.Melissa, what are your insights on this?
Melissa Schenker, Work/Life: Rick - last I heard thoseproposals being discussed was a few years ago...
Brooks KXAN: Rick, we're bringing on a financial expert nextweek, same time same place, to discuss money issues surroudningthis> they'll be able ot answer those questions.
[Comment From imatalossimataloss: ] Retirement? S.O.S. I'mterrified!
Dr. Nancy K. Schlossberg: What is terrifying you? Can youarticulate your fears?
[Comment From early retireeearly retiree: ] I found that evenin saving for retirement, I had to use all my money to pay mediclbills. This scares me because I know I will not have a cushion whenI get older.
Melissa Schenker, Work/Life: People do resist planning ahead,it seems because the future includes so many unknowns and unknownscreate fear, and we'd rather just keep on living than pay attentionto what causes us the discomfort of fear. Yet, looking ahead,questioning, and planning is the exact thing to do to reduce thefear. Some people just don't realize it. Or still want to avoid itbecause it can be uncomfortable (which feels hard).
[Comment From early retireeearly retiree: ] I am terrifiedthat I will have to depend on other people for the rest of my lifeand never have anything of my own. . .that is terrifying
[Comment From patpat: ] How can I find work after retiremen?I have to much time on my hands and not enough money
Dr. Nancy K. Schlossberg: Your concerns are financial andnext week's program might help. Use this time to EXPLORE ways tosurvive in financially troubled times and ways to figure out how todo what you would love to do.
[Comment From early retireeearly retiree: ] I try to look onthe bright side and say that advocacy work is doing it for me. ..well, it is keeping me sane but I still have bils like studentloans, car payment and credit card bills. . .that is terrifying!
Melissa Schenker, Work/Life: Early retiree - that would beterrifying. And, may not be the truth. You may be able to createother options, other realities for yourself. Focusing on theseideas will help your frame of mind and ability to create.
[Comment From Randy campbellRandy campbell: ] Looking atretiring in early 2011. What scares me is health care cost?
[Comment From hotman485hotman485: ] I'm back now, sorry.
[Comment From early retireeearly retiree: ] Thanks Dr.Schlossberg.
Dr. Nancy K. Schlossberg: Pat, One woman I know, a singlemom, went to work at a grocery chain as a cashier. She plans to getinto middle and top management but knew she had to start at thebottom. Sometimes you have to take "For Now Jobs" until you findsomething better.
Melissa Schenker, Work/Life: Pat - think first about whatsort of activities bring you satisfaction.
[Comment From early retireeearly retiree: ] thanks Melissa. ..i need to create a mission statement for myself. I like that idea!
Dr. Nancy K. Schlossberg: About being terrified. It is aboutoptions. If you can see the options out there, if you can beconvinced that there are opportunities for you, you will be lessterrified. Looking at the chapter in Revitalizing Retirement onpaths, reading the book Melissa suggested on Paths--these will helpyou realize there is a future for you.
[Comment From patpat: ] I tried to get a cahiers job, but Iam overqualified and can not get the simplest jobs.
Melissa Schenker, Work/Life: early retiree - a missionstatement might be a good idea. Keep in mind that your currentsituation is temporary, not permanent. Update your mission laterwhen you have made it through this incredibly tough patch of life.
Dr. Nancy K. Schlossberg: The woman I am talking about knewshe was overqualified. But she kept going back and finally theytook her to see if she would fit into their management program. Itis hard to keep trying, but remember, successes fail but keeptrying. You might consider writing a journal of yourexperiences--maybe call it "Too Qualified."
[Comment From early retireeearly retiree: ] Thanks Melissa, Ido have to focus on what is important right now. I know in my heartthat with God on my side, I will be ok. I will take your advicethough and stop worrying and get pass this time in my life as Ihope it will only be temporary!
Dr. Nancy K. Schlossberg: A general question--As you lookaround, can you identify anyone who seems to be a happy retiree?
Melissa Schenker, Work/Life: Pat - think about how younaturally want to spend your time - is it in the garden, or fixingcars, or reading books, is it focused on a cause, or what... Thenbrainstorm opportunities to do more of whatever those things are.If you don't need to work for money, then look for volunteeropportunities in one or two of your favorite arenas.
Brooks KXAN: My mother-in-law. She's happy as a clam.
Dr. Nancy K. Schlossberg: What are the ingredients that makeher happy?
Brooks KXAN: She likes to spend time with her grandkid andchidren, watch movies, cook great food, work in the yard, go visither sister in law in Oklahoma.
Brooks KXAN: She and her husband go out of town a lot,actually - mor e now that he's retired, too.
Melissa Schenker, Work/Life: Early Retiree - as I wrote toyou I couldn't help but think that your current mission isrecreating your health and mental well being.... managing yourfinances and your engagement in the world during this time areelements that will build your well being, but your current abilityto solve those things is likely to be less than it will be in thefuture.
Dr. Nancy K. Schlossberg: She is an Easy Glider--enjoyinglife with no agenda. Everyone has different needs and some need tocontinue working, others need to try new things, others need tokeep searching. Once you settle on your path -- for the timebeing--you will feel more comfortable with your life.
The most important thing is to identify your passion andpursue it either as a worker or volunteer.
Brooks KXAN: I spoke with someone recently who thought shewas that way - an Easy Glider type - when she retired. Then foudnout differently and is now freaking out.
Is there any way to tell in advance how you're going tohandle it? Clues?
Dr. Nancy K. Schlossberg: We have not discussed identity andthat is major. Many are uncomfortable when they no longer havetheir "tag." We so often identify ourselves by our work titles thatin retirement we struggle to find our identity.
Brooks KXAN: LOl nancy great minds
Dr. Nancy K. Schlossberg: Brooks, There is no way to totallypredict whether the original path you choose after retirement isthe one that fits forever. People change, their needs change andthey move on to something else. The one thing I think iscertain--we will all be searchers at one time or another.
I have been a continuer--still writing and lecturing. Butsomeday I will need to search for a new path in retirement.
Brooks KXAN: So ther eare Gliders, Continuers, Searchers.What else? This is interesting.
Melissa Schenker, Work/Life: Brooks - That can be reallyhard. It's why I suggest that people think of the beginning year(s)of retirement as a series of small experiments. It seems manypeople assume they'll just be really happy having the opportunityto glide, but the reality is that they need something different outof life. It's hard for many to anticipate their own reactions whilethey are working full time. I kind of think it's similar to being ayoung adult again - a phase of life where one needs to experimentto learn what works for you.
Brooks KXAN: or, can you elaborate on what those are? (asidefrom gliders, which you've already talked about...)
Brooks KXAN: "a series of small experiments" i like that ideaa lot.
[Comment From early retireeearly retiree: ] You are right Dr.Schlossberg. I think that is what got me more depressed when I wasterminated was that I did not have a job rather than concentratingon the good things that can come from being "retired". It is timeto redefine myself.
Dr. Nancy K. Schlossberg: In addition to Easy Gliders,Continuers, Searchers, there are adventurers--doing somethingentirely different, involved spectators (like a news junky who usedto wall the halls of congress--still involved but as a spectator)and then there are the retreaters--
Brooks KXAN: That's it!!! That's what i'll be doing! Givingtours of the Capital as a former news junkie who spent most of hercareer covering politics! :) And you think I'm kidding, but I mighthave just had a fantastic idea here. Must not forget that.
Brooks KXAN: retreaters..?
Dr. Nancy K. Schlossberg: Early retiree--It can take time toredefine yourself. So give yourself time; try different things. Idid it with cards--what would I put on a card and how would thatchange each 6 months.
Brooks KXAN: Why do you suppose so many people redefinethemselves AFTER retirement?
Brooks KXAN: Is it money related? I asked this earlier butnot sure i caught the answer.
For the rest of you, we have 8 minutes left in thisfascinating chat!
Dr. Nancy K. Schlossberg: Retreaters are those who aredepressed and cannot get moving. Sometimes it is healthy to retreatbut other times we need to get a connector to help us get back inthe world.
[Comment From rick garciarick garcia: ] don't know if anyonehas mentioned it, but some co-workers have talked of leaving theU.S. and retiring in a foreign country, where their money will gofarther.
Dr. Nancy K. Schlossberg: Moving is an option but those whomove are better off doing it on a trial basis before making itpermanent. My first research study on transitions was aboutgeographical moving. It sounds like fun and easy but it can be verydisrupting.
Melissa Schenker, Work/Life: Brooks - many people are prettysatisfied with the work life they created and don't feel a need toredefine until retirement age. But a lot of folks make mid careershifts. There is plenty of redefining going on at all ages. It'sjust that retirement is such a clear demarcation line, and majortransition that everyone goes through unless they workcontinuously.
Brooks KXAN: Guanajuato and San Miguel de Allende, Mex., areFILLED with ex-pat retirees. I've considered that myself, but it'lldepend on how my extended family is doing. I relaly like havingthem close.
Brooks KXAN: makes sense melissa
Brooks KXAN: FIVE MINUTES LEFT. Last minute questions anyone?
While you're thinking about that, remind you that we'll havea financial expert on retirement issues joining us NEXT WEEK righthere - same time same place - so we can look at the flip side ofthis issue.
Dr. Nancy K. Schlossberg: A final comment on retirement--Whyretirement, in fact any transition, is so challenging is that itchanges your roles, routines, relationships and assumptions aboutyourself and your world. It is about getting a new life--new roles,relationships, routines and assumptions. That takes time. Be kindto yourself.
[Comment From early retireeearly retiree: ] Thank you all foryour time and answers. Have a great day!
[Comment From KDMKDM: ] I'm retiring at the end of next month(36 days) with a sizable lump sum retiremtn, so I'm convinced, withthe right investments, money won't be a problem at least for thenext few years. What I wonder most about is what is the rightinvestments to make? 401K, Roth IRA, Stock, Gold? Considering theever growing natioinal debt, will the US dollar be as viable in afew years as it is now?
Melissa Schenker, Work/Life: Rick - money will go further,and it's a new life adventure. I have a friend who retired toMexico and now works harder as a volunteer for an orphanage thanshe may have worked in her paid career. She has transformed theplace and the lives of those children.
Brooks KXAN: KDM - your question is a great one, but betterreserved for next week when our money experts join us. This week ismostly about the emotional issues surrounding retirement.
Melissa Schenker, Work/Life: Early Retiree - I'll be rootingfor you!
Dr. Nancy K. Schlossberg: Loved being on the show.
Brooks KXAN: But make srue you join us next week same timesame place, because our expert will DEFINTELY be able to answerthose questions.
[Comment From davdav: ] Thank you for your comments
Brooks KXAN: Nancy and Melissa both, I SO appreciate thefascinating discussion today!!!! Do you want to give any finalthoughts while I wrap up?
[Comment From early retireeearly retiree: ] Thanks Melissa.
Brooks KXAN: The rest of you, best of luck to you - join usnext week for the flip side of the retirement issue - MONEY - andthank you so much for all your great questions and comments today!!
Dr. Nancy K. Schlossberg: Just that life is full of Plan B's,new opportunities, surprises. Exploring your future is daunting butalso exciting
Melissa Schenker, Work/Life: I think one of our themes hasbeen suggesting that people plan ahead as much as possible; itreduces fear. And, then accept the reality of the rollercoaster oflife and treat retirement as a series of small experiments that areabout being satisfied and enjoying life!
[Comment From rick garciarick garcia: ] thanks everyone1
Melissa Schenker, Work/Life: Till next week!
Brooks KXAN: Great thoughts, experts! Have a wonderfulafternoon, thanks for everything, and we'lls ee you soon.
Commenters, enjoy your life! Enjoy your week! And enjoyretirement :)
Brooks KXAN: Over and out.
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