Category: retirement

Posted on in ageing, family, mental health, retirement, work

Retirement: a man’s perspective

Man with a big fish

Special guest blog by Dave Swinton

Retirement has been a difficult transition for me. I’m coming up on two years now and I still haven’t adjusted as well as some people do. I was sitting this afternoon, watching the rain pelt against the window obscuring a grey fall transition to winter, when it hit me.

Nobody needs me anymore.

I was always in middle management in my career. Always giving vague direction and punishing people for not reading my mind as the old Dilbert cartoon used to read. My specialty was putting out fires. People came to me looking for answers and I tried my best to write a plan on a cocktail napkin and hope it worked well enough to fool my superiors. 

My days were an endless mix of planning, timesheets, scheduling, maintenance and finding the best ways to get the most out of each and every person who worked for me. I loved being needed at work even if I didn’t always love the work itself. Fast forward two years later and the only decisions I have to make are which trail to walk the dog on and what we are having for supper. Work doesn’t need me anymore.

My kids certainly don’t need me either. Both are out living their lives, one almost finished university (so proud) and looking at where she will end up next, the other knee-deep studying whatever biochemistry is. Except for rare conversations about new musical groups (Red Clay Strays and Tyler Childers) and the odd supper, they are completely and utterly embracing their own lives. No more rides to a remote hockey rink on a snowy winter road, no more conversations asking for advice on relationships. They don’t need me anymore.

Honestly the only person who even tolerates me is my life partner. Truthfully, I think if she had to pick between me and the dog, we all know who would win. Bookending Monday badminton and Tuesday line dancing is Friday writing groups and Saturday stock sport tournaments. She has embraced retirement with gusto and I am glad for this. She doesn’t need me anymore.

All the influencers talking about retirement being the golden age should have their heads examined. For some, retirement is a time to worry, to wander aimlessly trying to find direction and meaning in their lives, all the while wondering if their investments will support them until they leave this earthly abode. 

I know that some of you are saying to yourself, what does he have to whine about? Lives on a lake, semi-good looking, gorgeous wife, yada, yada, yada but for some, myself included, the emptiness from not being needed outweighs all aspects in life.

Tread well into retirement my friends, sometimes it’s not all as advertised.

And if you see a white Dodge Cummins diesel with a 30-foot trailer rolling down the 401 at a buck twenty, festooned with Kingston BMW logos on it, know that someone is still depending on me to deliver a car that is worth more than my last annual salary. I guess someone still needs me……….

More on retirement

Posted on in ageing, family, lifestyle, money, retirement, work

What I’ve learned a year into retirement

Author in Scotland

It’s been a year since I retired, and other than taking on a few gig jobs, I’ve fully embraced my new life of leisure.

I know some people struggle with the decision. I remember years ago sitting in a retirement seminar with some colleagues. One of my friends said, “I don’t think I’ll retire anytime soon—I just don’t know what I’d do with my days.” This is a common refrain and fear. The experts all say the same thing, you need to retire to something, not just from work.

I thought it might be helpful to share what I’ve learned about retirement to help anyone thinking about taking the big leap.

  • If you think you will miss work, think again. Unless you’re an artist or have a super cool job like a back-country ski instructor, pilot, or amusement park ride inspector (we have a friend who does this for a living and is constantly posting pictures of riding awesome rollercoasters), you won’t miss the work. I stopped thinking about the office about 10 seconds after leaving it. I still miss some of the people though.
  • Structure is good. Most people need some structure in their lives. Choose some regular weekly activities that get you out of the house and give you structure in your day.
  • On the flip side, don’t overbook yourself, especially in the first year. You want to have the flexibility to explore, do fun things, and try new activities.
  • Try not to worry about money. This was one of the best pledges I made to myself in retirement. Nearly every retiree, unless you’re uber rich worries about money. It just comes with the territory. Be aware of your spending, have a budget and try to stick to it, but know that there are options, like taking part-time jobs, looking at your investment income, or downsizing your home if need be.
  • Time moves on a different continuum when you’re retired. Before if you were packing for a trip, you might only have an evening free to get ready. Now you might have two or three days and it still doesn’t seem like enough. Embrace the slower pace—you’ve been rushing all your life.
  • Don’t be surprised if you don’t do some of the activities or things you thought you wanted to do. I always pictured myself golfing once a week in a ladies league, but I’ve discovered I’m not as passionate about golf as I thought I was.
  • You may get bored from time to time. What a wonderful problem. Seize the opportunity to go somewhere and see or do something new, or just veg for the day. Call or meet up with a friend or family member you haven’t seen in awhile. I know it sounds corny, but I have a jar with ideas for day trips, overnight trips and bigger trips. When we have a free day, and feel like doing something, we grab an idea from the jar and off we go. The world is your oyster.
  • Women tend to transition better to retirement than men. One of my friends attended a retirement planning session and the facilitator said to the women in the room, “Go get a coffee, this segment doesn’t apply to you, you’ll be fine, but men listen up. You will struggle more.” That has certainly been the experience for Dave and me and many of our friends. I’m not sure if it’s because a man’s identity is more closely linked to his work, or that women are more social, but men struggle more with what to do and how to fill their days. Go back to point two: have a structure.

For me, retirement has been a huge blessing. I’ve enjoyed having the freedom to do the things I’ve wanted to do, get more active, and help out in my community. The one thing that has been difficult is we transitioned to empty nesters at the same time we retired. We miss the kids terribly sometimes, but then we look out and see the sun shimmering on the lake, and hear the loons and fish calling our names, and we head out, grateful for the gift of time to enjoy each day.

Are you retired and have advice to share, or is there anything that has surprised you in retirement? Leave a comment.

Photos: Above: me in Scotland this July and below, on the Ranney Gorge Suspension Bridge in Campbellford. The suspension bridge was one of the ideas in my day trip jar, so I stopped to check it out on the way home from Peterborough one day.

Author on suspension bridge
Posted on in charitable, community, retirement, work

Learn when to say yes and no

Volunteers working voluntary road toll

One of the greatest skills you can learn in life is when to say yes and when to say no.

This applies to parenting, volunteering, work, relationships, and the list goes on.

Some career coaches would advise you to always lean in and say yes when tapped on the shoulder to take on a new role or responsibilities at work. Not at the cost of your happiness.

There were at least three times in my career when I was offered a different role not in my chosen field of communications that would have given me broader management experience where I said no. Would I have advanced further in my career? Probably. But I know for a fact I would have been miserable and to this day I’m grateful I made the right decision for me and for my family to be happy.

I’m now a retiree and one of my retirement pledges was to help my community more. I’m still navigating what this looks like. I’ve started volunteering at the community garden once a week that supplies our local food bank and Meals on Wheels programs, just finished my annual seedling fundraiser for the Sydenham Lake Canoe Club, and worked a shift for the Verona Lions for their annual Victoria Day voluntary road toll. I was very happy to say yes to all of these volunteer jobs.

I also have greater clarity on what I’ll say no to. I refuse to do another garage sale—they are just too much work (ironically, Dave volunteered at one yesterday morning), and true to my retirement pledges, I’ll never sign up for something where I have to be on Zoom or in meetings a lot. Been there, done that.

Some people say yes to everything. They are the heroes and backbones of every workplace and community. I admire these people, but I am not one of them.

Here’s the wonderful thing about saying yes. When you say yes to the things you enjoy, you feel good about your contributions and are far more confident and unapologetic about saying no to the things that won’t bring you joy.

Sometimes it all comes down to timing. There are periods in our lives when you want to do more, but you just can’t. You have enough on your plate. During those times, it’s okay to say no. The day will come when you can say yes again.

This week’s #HappyAct is to learn when to say yes and when to say no. And whatever your answer is, always prioritize your happiness or the happiness of your family in the decision.

Pictured above: My neighbour Odin and I working the Verona Lions road toll. All the money raised goes back into the community. Learn more about volunteering with the Verona Lions. Below: volunteers at the Grace Centre garden with the garden coordinator Josey Cadieux (Dave was whipper snipping and didn’t want to be in the picture). See this article in the Frontenac News for more on the garden.

Garden volunteers standing beneath an arbour
Posted on in ageing, community, health and wellness, lifestyle, mental health, relationships, retirement

Battling the epidemic of loneliness

man wearing pink flamingo glasses

There is an epidemic sweeping our country—the epidemic of loneliness.

In our grandparents’ day, the average detached home in Canada had six people in it. For my generation, it was four people. Today it’s 2.1. One of the fastest growing sub-segments in the housing industry today is single homeowners in their 20s. For the first time in modern history, we also have an entire generation of seniors living alone in isolation.

The two age brackets most at risk of being lonely are youth and seniors. According to Statistics Canada’s Canadian Social Survey: Loneliness in Canada, more than 1 in 10 people aged 15 or older say they “always or often” feel lonely. A 2024 study of seniors estimated between 19-24% of Canadians over the age of 65 feel isolated from others and wished they could participate in social activities in their community.

The impacts of loneliness in seniors especially are well known. In addition to depression, emotional distress, and dementia, loneliness can result in increased risks of chronic illness and falls, poor general health and premature death.

Humans were not meant to live alone. We were meant to live in tribes.

So what can we do to battle the epidemic of loneliness? Here are some words of advice people shared in a recent Quora post:

“Have a pet and walk them every day. You’ll meet people on your walks”

“Join a club or activity…check out the nearest seniors centre for programs services” (I’ve really enjoyed the activities I participate in at the Seniors Association of Kingston and have found my tribe there)

“Volunteer”

“Find people you can text every day”

 “Check out the website meetup.com for a list of groups and activities that may appeal to you” (I looked to see what was listed for my area of Kingston, Ontario and there was everything from guided hikes, to toastmasters groups, to meditation and church groups)

“Nobody is going to come to you. Go out and find a church family, join a gym, go for walks, talk to your neighbours. Don’t spend your senior years being sad. Enjoy every day you have left. If you lived near me I would be your friend.”

“Every time you find yourself thinking about your own loneliness and state, think about someone in the world you can help. A neighbour who needs help, bake some cookies, whatever”

“To have a friend you need to be a friend.”

“I remember this documentary on finding happiness. The director at the beginning of the film said he would sum up the secret of happiness with one 4 letter word. I assumed it would be “love” but was surprised when he said it was risk. It’s all about taking calculated risks and steps to make opportunities happen for yourself and it will pay off. Good luck your future happiness is within you.”

This week’s #HappyAct is to do something to battle the epidemic of loneliness. Reach out to a friend, join a group, visit a senior who lives alone. It’s all about caring and sharing—more on that next week!

Coming up…March 20 is World Happiness Day. This year’s theme is Caring and Sharing. Be sure to check back next week when I dive into the results of the 2025 Report on World Happiness.

Photo: One of my favourite photos of Dave’s Dad who is living proof a youthful heart and spirit will always keep you young at heart and happy. He texts his friends and family every day.

Posted on in ageing, inspiration, lifestyle, retirement

The art of pushing

Woman skating on a frozen lake

As humans, we are constantly in a state of internal conflict. Indulge (and then usually feel guilty about it) or abstain, get up and move or laze on the couch, push ourselves outside our comfort zone or stay within the confines and comfort of routine.

It is an art and balance we need to master in order to be happy.

With age comes a new wrinkle in this ever-changing struggle of understanding and respecting your physical limitations.

As I’ve aged, I’ve tried to navigate the art of pushing by deciding what is important to me, and what I enjoy doing with realistic expectations of what I’m capable of doing.

I’ve never been one of those extreme sports enthusiasts or had any desire to push myself to the limit, whether its running, car racing or facing the wilds. For me, it’s not about iron mans, marathons or the Canadian Death Race (yes, it’s an actual ultramarathon held in Alberta each year in the Rockies where a very small field of 1,000 certifiably insane racers run non-stop for 24 hours through the mountains, sponsored by sinistersports.ca—the name itself should send you running and screaming in the opposite direction.)

My idea of a fun afternoon is skating and ice fishing on my lake, followed by a nice glass of Merlot in front of my woodstove while watching the Bills hopefully beat the Chiefs tonight.

The art of pushing for me is forcing myself to continue to do the things I love to do and not kill myself.

Now, when we go on an interior canoe trip to Algonquin Park, we plan a route that doesn’t involve portaging or we might rent an outpost cabin.

I still love to hike, play hockey and skate on lakes, but my days of doing pirouettes, lunges, or racing like crazy to beat the neighbours’ kids to the puck are over.

I will continue to push myself to experience new things, new places and meet new people even if it feels awkward at first.

Martin Luther King said, “Keep pushing forward, even when the path is uncertain, for greatness awaits those who persist”.

Well, if not greatness, hopefully a nice glass of Merlot.

Posted on in health and wellness, mental health, retirement, work

The top 12 Happy Acts of 2024

Author at a work booth before their retirement

Another year of happy acts have come and gone. Here is my round-up of the top happy acts of 2024. Happy reading!

On climate change, work, and the world we live in

Inspiration and mental health

On parenting, retirement and my friend Harry

Posted on in family, poetry, relationships, retirement

A message to my daughters

Author with her two daughters on a boardwalk

Years ago, when Grace and Clare were little, we used to take them to Great Wolf Lodge in Niagara Falls. It was the perfect overnight getaway. We’d spend two full days in the water park and leave exhausted, waterlogged, and smiling.

On one trip, I bought a picture of a mother bear and two cubs in the gift shop. From that day forward, the three of us became Mama Bear and the two cubs.

Now my two cubs have left the den. My house is quieter, cleaner and more peaceful, but I miss the laughter, kibitzing around the dinner table and talks.

I started a group chat for the three of us and had to smile when Grace renamed it “Mama Bear and the two cubs”. We’ve been sharing pictures of our days, news and updates, and messages.

It was National Daughters Day last week. I’d like to dedicate this week’s #HappyAct to my beautiful daughters, Grace and Clare by sharing this message from the inspirational Judi Dench as told by author Donna Ashworth.

A message to my daughters
“Don’t prioritise your looks my friend, as they won’t last the journey.
Your sense of humour though, will only get better with age.
Your intuition will grow and expand like a majestic cloak of wisdom.
Your ability to choose your battles, will be fine-tuned to perfection.
Your capacity for stillness, for living in the moment, will blossom.
Your desire to live each and every moment will transcend all other wants.
Your instinct for knowing what (and who) is worth your time, will grow and flourish like ivy on a castle wall.
Don’t prioritise your looks my friend,
they will change forevermore, that pursuit is one of much sadness and disappointment.
Prioritise the uniqueness that make you you, and the invisible magnet that draws in other like-minded souls to dance in your orbit.
These are the things which will only get better.”

Judi Dench

Grace and Clare in South Carolina
Grace and Clare beside a lake
Posted on in lifestyle, retirement, work

Goodbye alarm clocks

Coffee mug on my back deck

If you read last week’s post, you’ll know this weekend marks my first days of being officially retired.

I made some retirement pledges last week, but forgot one very important one: I pledge to never set an alarm again unless it is to catch a plane or train.

You don’t need to be retired to make this pledge.

I’m not a morning person. Either is Clare. Our morning routine was to eat silently together at the breakfast table, then barely say a word to each other during the car ride to work and school.

I learned years ago I was much happier when my life wasn’t being ruled by an alarm so I stopped setting one.

It’s easier to do than you think if you go to bed roughly around the same time each night and get up at the same time each morning. (If you’re on irregular shifts, I’m guessing it would be far more difficult).

Your body naturally self-regulates and on weekdays, I would wake up within a 15-minute window each morning.

There will be days when you sleep in and have to rush around a bit, but for me it was worth it to never hear that blasted alarm go off.

This week’s #HappyAct is to stop setting an alarm. You’ll be happier for it.

Photo: Enjoying my first coffee retired in my beautiful new mug my friend Allison gave me as a retirement gift.