It is now four years since I retired. I don’t remember the exact date of my last day at RMIT, but it was definitely around mid-August, 2015. All the events leading up to that — the appointments with superannuation consultants, haggling with the university over how much I would get in my payout, my farewell morning tea — all seem from another era.
I retired in a way that is probably the least recommended — going from 100% to 0%. I used to call it “jumping off the jetty”. My doing it this way was due to how my retirement came about. My former work group was being transferred to another campus, quite a distance from the city campus where they previously worked. Staff who would have been disadvantaged by that transfer were offered a separation payout; leaving the university was a condition of receiving the payout. At the time, I was happy to accept the conditions and avoid the extra travel. Stopping work overnight, however, did make it a more difficult transition than tapering down my hours gradually.
Of course, paid work involves a lot more than a salary. It is social interaction, the exercise of skills and talents, the feeling of being part of an enterprise. Paid work is a big part of how we define ourselves. When it stops it is easy to feel that you have become a bit peripheral, even useless. To put it another way, retirement can be a loss; dealing with it consequently involves a form of grieving. I did see a therapist with whom to talk the process over. For anyone who hasn’t received any counselling or advice from their employer, super fund, or elsewhere, I recommend it.
Like grief, I found retirement to come in stages. (After I wrote this, I stumbled across a ‘proper’ Six Stages of Retirement article on Investopedia.) Stage One was terrific at first: like being on holiday, but not having to go back to work. In Stage Two, the reality began to sink in that in most days there were a lot of hours to fill. This was quite a setback; I was not having nearly so good a time. In Stage Three, I gradually began to investigate options for taking up those hours. Many of these are not obvious at all — for example, volunteering at the Museum. The reality is that, unless you start a big project like enrolling in a course, restoring a vintage car, or sailing around the world, one new interest won’t be enough. You will need to find a number of things that fit what you have to offer: interests, income, energy levels, and location. It is not just having enough to do; you need enough of the right things to do.
It has taken me quite a while to find a way of being retired that suits me. It has been a matter of trial and error (which is really, as someone said, trial and learning). This has been complicated for me by ill health. As well as having to work out what to do with myself, I have also had to work out two medical diagnoses; first low iron, then prostate cancer. The investigations associated with the former, and the treatments with the latter, have been extensive and thus time-consuming. I have had as well to contend with the effects of chronic acute insomnia. This is something that continues to affect my memory, concentration and energy. (I feel these effects even when, as in recent months, my sleep has improved.)
How I have dealt with these circumstances comes down to three strategies. (Yes, things do come in threes.) First, I have tried a range of things. Many of them I have liked, a few I haven’t. You never really know what learning a foreign language or volunteering at a community radio station — to name but two — will be like until you try them. Second, it is helpful to ask yourself occasionally how you would like your life to be different. Doing this revealed that I would like more interaction. Identifying this as a goal led me to do things like joining a book club. I also switched my exercise class to a day on which the participants get together for lunch afterwards. I enjoy both these things a lot. Third, I have been adding activities to my schedule gradually. After doing this for a little while, I feel I have enough to do, without being over-scheduled.
Most days involve one or more of the usual domestic suspects: washing, food shopping and cooking, writing and replying to emails, paying bills, and making appointments. Exercise is another priority, being one of the best things that I can do to maintain myself in a well state. Any holes are filled by listening to music, reading (I am having another go at In search of lost time, the Penguin edition), going for a walk, writing, gardening, digitising vinyl records, and handyman stuff.
So what has my week looked like so far?
- Monday: neither of us can actually remember what we did, which is a bit of worry! I think this was a catch-up day after going to a concert on Sunday afternoon.
- Tuesday: I walked around to the gym, then went into town to pick up my pass for the Museum, where I will soon begin volunteering. I did some food shopping on the way home.
- Wednesday: had coffee with some former colleagues, then did some more shopping. Our niece was staying with us that night, so there was extra cooking to do.
- Thursday: did some washing before my exercise class late in the morning, then had lunch with some of the guys.
- Friday: more washing, then did a bit more food shopping in the morning. I had been volunteered to bake a cake for a family get-together over the weekend — this is baked and just needs frosting.
There was a good balance in all this of time at home and time out. Or as a retired GP put it: you need something physical, something mental, and something social. I wish someone had told me this before I retired! Still, I can definitely say I never wanted to turn the clock back.