Retirement is a topic that can make people sleep badly.
Some people save a lot of additional money. But now, in the present, they have less to live for. Which is somehow a pity. If so, then ...
Others have decided to live now and they trust that later everything will somehow be all right. Which can be dangerous. What now …
And then there are those who have a lot now and have saved up enough for later. Hallelujah. They will probably not sleep badly. All good?
What many people forget is providing for old age is more than only saving money!
Of course, financial security is important and with money everything is easier than without money.
But what good is a lot of money if you can't do anything with it because you're sick? Take care of your health now!
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What use is the money to you if you have no one with whom you can fulfil your desires?
How happy can you become when you are lonely?
What good is it if you have a lot of money but only stay at home and have no interests or hobbies?
What good is it if you don't know how to use and divide up your free time because for years you were only determined by others?
What if you can't take care of yourself because you never learned it or you’re sick?
If you simply have nothing for which you want to get up in the morning and you lack the sense?
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How do you see your future?
Maybe you often think of something like that: When I am old, then ...
- I finally have the opportunity to travel more and see something of the world.
I finally have time to read all the books I ever wanted to read and sit in the garden in peace.
- I will not be such an old fart, I will continue to meet with my friends and can just do great things all day long.
- I will take care of my grandchildren and I can finally be there for my family.
Every one of us has such dreams and ideas about the future.
But to be honest, how sure can you be that what you want will come true?
Maybe then you will simply be too sick to travel. And being away for a long time is not possible because you still have a house that binds you.
And who is actually coming with you?
Maybe you will soon get bored with your books. After all, they haven't been interesting and important enough to get a piece of your time in the last 30 years.
Do you surely have a few good friends and acquaintances later who like to share their time with you? Maybe they have other obligations as well. Or they die. Or move away.
And what about your family? What if the grandchildren just don't like their old grandpa? And anyway, your children and grandchildren also have their own lives and not necessarily enough time to get to grips with you.
Phew, if I read it that way, I could get directly scared of the future ...
But that's not what I wanted to tell you with this post.
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Saving money for your retirement means investing money in the future today. Don't get me wrong: Financial provision is of course important and right.
But it is just as important to provide for your health, your relationships, your goals, your purpose and your ideas of what a beautiful old age may look like for you.
You can already do something about that today. And thus make it more likely that you will have a happy old age.
Also invest in your dreams, ideas and purpose
Take care of things as they come. But you should also make sure that things come as you want them to.
So let's start with the slightly different retirement plan.
The last 20 years:
On average, we live around 20 years in retirement, which seems a long time. What you can do.
Of course - and also unfortunately - we cannot completely influence how this time will go and what exactly awaits us.
But let us not only pay attention to financial security. There is so much more to life than that. Relationships. Spirituality. Love. Health. Purpose.
That's why it is important to expand your retirement plan!
That's why you should expand your pension portfolio to include a few more things that are important to you as you grow older.
Because: "The best way to predict the future is to shape it yourself".
Step 1: Become clear about your dreams and ideas
Think about what you want to truly enjoy in your older years.
Step 2: Identify the obstacles
And now search quite purposefully for what could stand in the way of your happiness. Why could perhaps not work out what you wish for? What are the risks? What could prevent your ideas from coming true?
Step 3: Make your investment plan
If you have thought about what your goal is (step 1) and what could prevent you from achieving it (step 2), then the third step follows: your plan.
For this you ask yourself what you can do for your more inclusive retirement so that it becomes as unlikely as possible that your obstacles from step 2 appear.
Of course you can do that all on your own, at least you should do that.
But most likely we don’t know how to do that and what our talents really are. Often we think we know who we are or what we can do best but in our coaching and mentoring we found out, that the truth is a most a surprise.
Christa Krahnert ND
Naturopath, Holistic Counsellor
Coach, Mentor, Spiritual Teacher