Retirement is a big deal for many people, and it marks a new phase where you no longer have to be busy with work. However, retirement also means more financial, family, and health challenges.
If you're able to plan ahead for these issues, your retirement will be more enjoyable, healthy, and abundant. When you're about to retire, there are seven things you should never do. So what are the 7 things?
1. Don't get involved in workplace disputes
When you are about to retire, you may think of the unpleasant things that happened with your colleagues or leaders in the past ten years, and some people want to take revenge when they are about to retire. Strife and conflict are inevitable in the workplace, but there are steps you can take to reduce the negative impact it can have.
At this time, it is even more important for you to stay calm and avoid getting involved in workplace disputes. Because once you get involved in workplace disputes, it is easy to affect your mood and work status, and even have a negative impact on your career and subsequent retirement.
According to the Stress Institute, companies lose about $300 billion a year due to workplace disputes. Therefore, you need to learn to handle and solve problems properly, and reach a consensus through communication and negotiation. More importantly, maintain a professional and respectful attitude, and try to avoid conflicts with colleagues to avoid future troubles.
2. Don't spend lavishly
As of the end of 2022, the balance of non-performing loans of commercial banks was 2.98 trillion yuan, which shows that many people have a lack of risk awareness in lending. At the same time, some bad lending practices will also bring great financial burden and pressure to individuals and families.
The cost of retirement may be more than you think. Because your sources of income have begun to dwindle, it's easy to get into financial trouble if you don't pay attention to savings. You need money to see a doctor, you need money to live, and you need money to travel occasionally. In order to make your life easier and not to trouble your children, it is best to arrange your living expenses reasonably and avoid excessive consumption.
3. Don't lend money to others
Don't borrow money arbitrarily, especially to some people you don't know well, you need to think carefully before borrowing money, and make sure that the other party has the ability to repay. Because if you lend money to an old man, you will not only lose your principal, but also may have other negative effects, such as the deterioration of interpersonal relationships. When it comes to borrowing, avoid over-borrowing so as not to put extra stress on your retirement life.
4. Don't care too much about what others think
After retirement, some people feel lost or at a loss. Some elderly people want to find new social circles to alleviate this feeling. However, it is not good to rely too much on the outside world, which can make you feel more lonely and uneasy, but find ways to fill up your heart.
5. Don't have conflicts with your wife
In the first half of 2023, the number of marriage registrations nationwide reached 3.928 million couples, an increase of 5.3% over the same period last year. However, the number of divorce registrations was 1.317 million, an increase of 30.1% year-on-year.
When you retire, you'll spend most of your time with your spouse. This may lead to some conflicts and quarrels, but these are nothing in the face of family harmony. Therefore, when you have an opinion, it is better to communicate with your spouse than to quarrel and avoid friction that affects harmony.
6. Don't be overly dependent on your children
According to the results of a questionnaire survey conducted by Dimension, about 24.74% of the elderly who have retired rely on the support of their children to spend their old age. When you retire, your dependence on your children may increase. However, this dependency can place a great burden on the children's families and even affect family relationships.
Therefore, we need to know exactly how much we have saved before retirement, and try to prepare as much as possible for retirement so as not to be overly dependent on our children. At the same time, we should not forget to keep in touch with the children's families, so as not to have a bad impact on your psychology if the two sides are separated.
7. Don't neglect your health
When you retire, you have more free time to participate in a variety of sports activities. Aerobic exercise can improve cardiorespiratory fitness and enhance the body's endurance, such as walking, running, etc. Strength training can help us maintain muscle strength and bone density, prevent fractures, and more. In addition, low-impact exercises such as yoga and tai chi can improve flexibility and balance. Choose the right exercise for you, and your body will stay healthy for a long time.
In addition, a sensible diet can help maintain a healthy weight, boost immunity, and provide adequate energy. When you retire, you can try new foods. But be careful not to eat too much salt, sugar and fat.
Epilogue:
Retirement is an important turning point for everyone. If you plan ahead and follow the advice above, your retirement will be more enjoyable, healthy and abundant.
Retirement is not an easy task, and it requires time and effort to plan and prepare. Of course, if you can plan your retirement properly, then you will definitely have a very relaxed and happy life.