Dreaming of Retirement
Dreaming of retirement is the closest thing to happpiness that can occur when you reach 50 years of age. But planning to retire can be scary. Turning retirement into a game is an effective way to reduce any fear or anxiety you may have about having enough money to retire. Playing games has always been fun. The strategies for winning and outwitting your challengers puts you into an action mode to plan the steps toward gaining a great retirement not just the good one.
The dream is the ultimate beginning. Like in any game you need to know when you have won. Is it when you own all the property on Park Avenue and sit back and collect rents to augment your pension? Or is it when you seek and find the perfect property hidden in the hills away from the sounds of the city? Tell me your dream, close your eyes and picture not only where it is but more, how it feels to have achieved what you want. Spend all of the time you need here in this place, this is the beginning of the new life and it should be all that you want it to be.
Understanding and accepting that the dream has become a reality will make it so. I believe in the concept and you may as well, also. There are way too many writers writing about the concept of “build it and they will come!” for you to decide it won’t happen for you! My husband and I are great examples of “making it happen;” my son owns his dream of the motorsport speedway all because he said “I want it.” You will look at the pre-work involved with handling your money, reducing debt, saving for retirement and say it is overwhelming and scary.
You may be wondering how can I do this? Can I do this? Where do I begin? But you see you start with reading the directions. You learn how to go first, what you do to begin the game, what steps you take to play and although the actions may seem overwhelming at first, take a deep breath and know that there are people out there who can talk you through the steps. Someone you know has played the game before and will encourage you and help you to discover the strategies to overcome the barriers to your success.
You learn to turn the worries into the challenges of winning the game. Was your street hockey any less fun because you used a ball instead of a puck, or the hockey stick was a flat piece of wood? You still wanted to win and beat the other team, especially because they had hockey sticks instead of wood planks. Planning for a great retirement is kind of like the games you played as a kid but with a vengence and passion to make the game “real!” Now you will have the correct tools to play the game. You will learn how to invest, how to choose the better mutual fund, stock or exchange traded fund(ETF), and best of all where to find the money to use towards reducing debt and saving in a pre-tax 401(k) etc.
Decide on your game plan. Is your game going to start by reducing your debt? or by increasing your discretionary income? Revision of your budget can help you to gain the excitement of getting ahead of your opponents because you have gained an understanding of where your savings are headed. Take and make a list of the challenges to saving and decide how you will stop them from interfering with your plan to conquer the dragon in his lair. You can do this because you had years of learning how to play the games that gave you laughter and the competitiveness over your siblings and peers. Remember how you laughed during Scrabble and laughed harder when you beat your spouse by an easy 100 points? The game is afoot and you’re it!
Dream the dream, discover the game point and set up the steps to the attainment of the win. You will not be afraid because you have made a game of the challenges and you have often beat them fair and square in many games during your lifetime. I am here to help you live the joy of being debt free. C’mon let’s play!