Today’s economic realities have reset our expectations of what retirement is, yet there’s still the promise for what it can be: a life stage filled with more freedom and potential than ever before. Given the new normal, how do you plan for a future filled with prosperity, health, and happiness? As a companion to What Color Is Your Parachute?, the world’s best-selling career book, What Color Is Your Parachute? for Retirement offers both a holistic, big-picture look at these years as well as practical tools and exercises to help you build a life full of security, vitality, and community.
This second edition contains updates throughout, including a section on Social Security, an in-depth exercise on values and how they inform your retirement map, and the one-of-a-kind resource for organizing the sea of information on finances and mental and physical health: the Retirement Well-Being Profile. More than a guide on where to live, how to stay active, or which investments to choose, What Color Is Your Parachute? for Retirement helps you develop a detailed picture of your ideal retirement, so that—whether you’re planning retirement or are there already—you can take a comprehensive approach to make the most of these vital years. 立即规划您想要的生活
JOHN E. NELSON is a speaker and seminar facilitator on retirement and life-stage planning, well-being, and core values. He is an instructor at the University of Wisconsin-Madison, where he is also earning a PhD. He lives in Madison, Wisconsin.
RICHARD N. BOLLES is the author of the best-selling job-hunting book in the world, What Color Is Your Parachute? He has been a leader in the career development field for more than thirty-five years. He lives in the San Francisco Bay Area.
目录 Preface . . . . . viii What to Expect from This New Edition . . . . . xii
Chapter ONE Retirement Is Dead—Long Live Retirement! 1 The retirement we knew is disappearing. Do you want a finish line or a marker on your journey? Ten ways to customize your transition.
Chapter TWO The Retirement You’ve Always Wanted but Forgot About 23 What we all want in life. Six fields of knowledge that support well-being. What are the elements of your ideal retirement?
Chapter THREE The Life You Can Live (Right Now) 41 How we make big life decisions. Are you buying a “lifestyle” or creating a life? Ten steps to activate your core values.
Chapter FOUR Retirement Economics Is More Than Personal Finance 73 A family approach to retirement economics. The original pyramid scheme. Your three-legged stool is wobbly. The spending-saving seesaw.
Chapter FIVE A New Approach to Retirement Security 101 Five pillars are better than three legs. How to use automatic systems for saving, investing, and income. Where to find a fiduciary advisor.
Chapter SIX The Nature of Space and Time 127 Four layers of retirement geography. Is your dream home a nightmare? Calling it a community doesn’t make it one. Your essential region.
Chapter SEVEN Medicine—Who’s in Charge? 155 How much medicine will you buy? Your medical philosophy, and what it costs. Choose medical relationships before you need them.
Chapter EIGHT Health from the Inside Out 173 Our biology plus medicine equals health. What’s your biological age? The longevity class reunion. Three practices for biological vitality.
Chapter NINE A New Chapter in Psychology 189 Are you trying to fix your weaknesses? Three paths to happiness. Staying engaged in work—and retirement, too! Your greatest strengths.
Chapter TEN Happiness Is Only Real When Shared 217 Work connections wither and die. Build relationships in advance. Your three levels of social connection. Retirement with that special someone.
Chapter ELEVEN The New Retirement—an Undivided Life 235 Connect your life circles for well-being. Do you have a calling? Don’t wait for retirement—start living your ideal life now! Appendix: The Retirement Well-Being Profile . . . . . 252 Resources . . . . . 254 Acknowledgments . . . . . 264 Index . . . . . 266 About the Authors . . . . . 274
精彩内容 Preface
This book is part of what we call The Parachute Library. Like all books in that Library, it is not intended as a substitute or replacement for its best-selling centerpiece, What Color Is Your Parachute? A Practical Guide for Job-Hunters and Career-Changers (ten million copies in print), but as a supplement to it.
Why do we need a supplement? Well, each time of Life has special issues and special challenges, where we all could use a little extra guidance. The time of Life from age fifty, on, is one of those times. I have a friend named John Nelson, who is an expert on that time of Life, and therefore I have asked him to write this book.
My contribution to this book is twofold: (1) To frame some of the questions and challenges during this period, as I have done in my earlier work The Three Boxes of Life, and How to Get Out of Them: An Introduction to Life/Work Planning (1978). (2) To write this introduction and overview, to get us going.
The time of Life that we are talking about here is traditionally called “Retirement.” Some people love that word. I’m not one of them. For me, it implies “being put out to pasture”—to borrow an image from a cow. It implies a kind of parole from a thing called work, which is assumed to be onerous, and tedious. It implies “disengagement” from both work and Life, as one patiently—or impatiently—waits to die. It thinks of Life in terms of work.
I prefer instead to think of Life in terms of music. My favorite metaphor is that of a symphony. A symphony, traditionally, has four parts to it—four movements, as they’re called. So does Life. There is infancy, then the time of learning, then the time of working, and finally, this time that we are talking about, often called “retirement.” But if we discourage the use of the word “retirement,” then this might better be called the Fourth Movement.
The Fourth Movement, in the symphonic world, is a kind of blank slate. It was and is up to the composer to decide what to write upon it. Traditionally, the composer writes of triumph, victory, and joy—as in Beethoven’s Symphony #3, the Eroica. But it may, alternatively, be a kind of anticlimactic, meandering piece of music—as in Tchaikovsky’s Symphony #6, the Pathetique. There the Third Movement ends with a bombastic, stirring march. The Fourth Movement, immediately following, is subdued, meditative, meandering, and sounds almost like an afterthought.
Well, there are our choices about our own lives: Shall the Fourth Movement, the final movement, of our lives be pathetique or eroica—pathetic or heroic? Your call!
I like this defining of our lives in terms of music, rather than in terms of work.
To carry the metaphor onward, in this Fourth Movement of our lives, we have instruments, which we must treat with care. They are: our body, our mind, our spirit, and what we poetically speak of as our heart, which Chinese medicine calls “the Emperor.”1 Body, mind, spirit, heart. Some of these instruments are in shiny, splendid condition. Others are slightly dented. Or greatly dented. But these are the instruments that play the musical notes and themes of this time of our lives.
The traditional notes are: sleep, water, eating, faith, love, loneliness, survival (financial and spiritual), health care, dreams (fulfilled or unfulfilled), and triumph—over all adversities—and even death.
Traditionally, the themes for this period of our lives also include planning. But I believe the outstanding characteristic of the Fourth Movement in our lives is the increased number of things we call unexpected. And that can knock all our plans into a cocked hat. So I prefer to say that one of the notes we strike, is how to handle interruptions. Martin Luther King, Jr., perhaps put it best, just before his death:
“The major problem of life is learning how to handle the costly interruptions—the door that slams shut, the plan that got sidetracked, the marriage that failed, or that lovely poem that didn’t get written because someone knocked on the door.”
Interruptions, in music, are the pauses between the notes; they are, in fact, what keep the notes from just becoming a jumble. Just listen to the first few bars of Beethoven’s Fifth. Thank God for the interruptions, the spaces
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