Skip to main content

3 ways (NOT) to be a post-retirement sluggard


Escape reality

Since you don't have much things to expend your post-retirement energy surge on and the environment you live in is such a dull place, why not live in the virtual world?

You can have utopia. You can build a character that you wished you were but are not. You can build an empire and a reputation, unrivalled by "anons" in the space. 

It feels damn good. 

You give yourself a pat on the back - virtually.


Perhaps it does not matter that the REAL environment which you live, eat and shit in remains a dull and somewhat unpleasant place... Or you felt it was not worth your time to go change it. 


There are always more and better satisfactions in conquering utopias, and chasing things that don't matter - in real life.


How NOT to be a sluggard #1:

Don't escape or bury your head in the sand like an ostrich. Use your finite resources, eg. time & energy, to make positive real changes around your real life.


"Be the change you want to see in the world."

-Mahatma Gandhi


Do away with goals and expectations

When you don't have to wake up to a 9 to 5 job, you would sleep until you wake up naturally. Then slowly crawl out of bed. There's no need to give a damn for messy hair and you can munch on breakfast for the entire morning. If it's still morning, that is.


You can put on all the calories you want but not the nice clothes sitting in your wardrobe, cos now nobody cares if you are looking good. Yes, no more weight loss goals or comparing with your better looking peers.


Isn't it carefree to live life without anymore expectation, KPIs and goals? Everyday would just repeat itself peacefully giving the same outcome. 


Wait...

Are you actually running a different rat race now?

And who knows it could be a gradually worsening outcome that is too subtle for your day-to-day realization. 


Take a pause. 

What should be the meaning of your life and living?


How NOT to be a sluggard #2:

  • Challenge yourself to accomplish things that you didn't have the time or money to do before
    • Make a bucket list and set out to tick them off
  • Don't be the best version of yourself
  • Improve on your skills even if they are not associated with work
    • You will never know if one day you might need them. Take it as preparing for life's uncertainty.


Procrastinate

This is related to the above point - the tendency to procrastinate increases when you retire and expectations of yourself are lowered. 


Previously, at work, you were busy chasing people and tasks all the time. Now that you have so many "free" tomorrow, it is especially gratifying to say "I can wait for tomorrow". 


Tomorrow I will exercise and lose weight. 

Tomorrow I will get up early and clean the place up. 

Tomorrow I will go out to do... blah blah.


How NOT to be a sluggard #3:

Live in today like there's no tomorrow. 

I do not mean that you spend every single cent of your retirement account. What I meant is you can learn to prioritize and get things done TODAY, even when there's no pressure to do it, instead of kicking cans down the road. 

No excuse-making.


I won't go through a list of tips on how to not procrastinate because you can find them easily online.

I believe it is about framing of our mentality. No amount of tips and advice can move us if our mentality is not right.


--

Some thoughts




For every life decision made, we know there would be an expected outcome. When you chose to retire early, what kind of life outcome / output are you looking for? 

Do you cease your life input (or start inputting rubbish)?


Get your butt off the couch now to do something that you think you will regret on your deathbed for not doing. 

Even if it's something that you think you might fail at.

If you don't try, you will never know.




I shall revisit this post when I truly retire one day.


PS:

Guess what?
Maybe to some, the purpose of their retirement is really to become a sluggard!


Related post:

If you are interested in trading and looking for a good starter platform, Futu Moomoo is running a multi shares giveaway now for new signups till 31st August 2021.

I have been using Moomoo to trade and here's what I like about Moomoo:

- Low commission fees
- No custodian fee
- Wide array of instrument to trade eg. stocks, ETF, forex, options, cfd
- Brilliant data analytics and trading features (on both desktop and mobile app)
- Fast money transfer and good exchange rate for SGD/USD


Sign up with my referral to get your deal!

(Please read the full terms and conditions on how to claim the rewards on Moomoo's website.)



Like what you read? Follow me on Facebook or Twitter for updates and news I dig.

Support and get fantastic sign up rewards for SAXO, Moomoo, Gemini, Celsius, Blockfi and more by using my referrals here.

🤗
Thanks for reading!


Comments

Popular posts from this blog

Reflections for year 2024

2024 has been a relatively peaceful year. So peaceful that I have read countless novels and other books, met my sports buddies almost every weekend and picked up horticulture. Physical and mental health As we say, health is wealth. I have stuck fairly consistently with my exercise regime and tried to include more fruits and vegetables in my meals (although I eat out more and cook less these days). My weight, BP and cholesterol levels are doing ok. For those 40 years and above, remember to get your  subsidized health screenings from the government . Working less and meeting up with friends more contributed to an improved mental health. I see that the government has stepped up on initiatives in the community but work place initiatives from employers still seemed lackluster, especially for those who can't WFH and need to commit 44 hours or more a week at frontline work. I have also started a Gratitude journey to celebrate all my little life milestones. Financials Investment wise ...

The best credit card for my house reno & prep

As updated in my previous post, I have finally bought my own place solo. For the past few months I have been busy coordinating with various contractors and vendors for my house renovation. As I am still on flexi work schedule, I decided to be my own ID. With only a simple renovation in mind, I set my reno budget as 20k (aircon & fixtures inclusive). The renovation process and acting as my own ID were not as easy as I thought. It took me about a month to gather and compare quotations from different contractors and another few weeks to finalize all the things that I need my chosen contractor to do. I eventually settled for a main contractor who specializes in carpentry work but also provides painting, tiling and electrical services. I have grossly underestimated the amount of defects that need fixing for this resale flat. Fortunately, the floor tiles and some of the existing built-ins are still in good condition so I kept them, otherwise I would have burst my budget. The first issue ...

Shit happens and I lost my low-hanging fruits

My POSB SAYE account just hit its 25th month —the much-anticipated “month of maturity.” I was all ready to enjoy the 3.5% bonus interest I’d patiently saved for… only to receive a measly $17+ cash gift instead of a few hundred dollars. I was about to send a message to query the bank what caused this interest drop versus what I have gotten on the 13th month. Confused, I double checked my account history and— gasp! —found a single $50 transfer I’d made to a joint account in one of the past months. I hadn’t even realized that I’d chosen the SAYE account as the fund transfer source. For those unfamiliar with the T&Cs of POSB SAYE: “To receive the additional 3.5% p.a. Cash Gift Interest, ensure that you do not make any withdrawal from your POSB SAYE account.”   “If a withdrawal is made in the month, this will result in the previously accumulated additional 3.5% p.a. interest to be forfeited.” Yes, one tiny transfer = months of bonus interest gone . Even depositing it back the...