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Archive for August, 2011

Nimble after 50?

Wednesday, August 24th, 2011

The idea of being “nimble”–agile and clever in responding–is not just for the young.

A writer friend used the word “nimble” the other day to refer to her strategy for running a business. I was delighted to rediscover the word. “Nimble” hasn’t been in the everyday lexicon of late. Maybe it’s time to reinvest in what it means.

“Nimble” per Merriam-Webster’s is “quick and light in motion” or “marked by quick, alert, clever conception, comprehension, or resourcefulness” or “responsive or sensitive.” Regardless of which of those definitions you choose, “nimble” sounds like a good idea these days. I want to be nimble.

Nimble is the combination of awareness and action that seems to have gotten lost in the scurrying of everyday life. We “study” things. We “take it into consideration.” The ability to figure out what’s going on and do something about it quickly is a lost art.

And it’s a particularly lost art for those of us over 50. Why? Because by then, not only have we gotten used to dilly dallying around “studying” things, we are assumed to have a diminished capacity for deciding at any point.

Being nimble is good at any age….in how we react to what Life throws at us…. in how we relate…. in what we do on our own behalf.

The excuses are easy for doing it that way though. “It’s too complicated to move quickly” sounds really convincing, but all too often it’s more a case of “I don’t want to think that hard.” Or…as seems to be the case with the political situation right now, “I don’t want to have to be the one to make the hard decisions and solve this impossible problem.”

This does not serve us at any age. But once the thinking demanded by a job goes away and thinking becomes even more of a choice overall, nimble becomes an even more important characteristic to cultivate on purpose. We need to choose to be nimble.


Strive to make your low stakes decisions quickly. When you go out to eat, deny yourself the right to spend ten minutes figuring out what you are going to order from the menu. Look at what’s there. Think about what you enjoy–or what you know you can eat comfortably–and decide. Then let that go and enjoy some conversation with your tablemates. You can even make a competition out of it–who can decide on the most satisfying entre the most quickly.

Pay attention to what’s going on around you. This is wise on a lot of levels but it’s easy to ignore what’s going on once you don’t have to be engaged as part of what you do for a living. Staying aware of your surroundings will keep you safer, but it’s also essential to being able to act quickly if an opportunity arises on the spur of the moment. (i.e. If a friend drives up in a newly purchased 1967 Vette and is leaving town for three weeks the next day in it, being able to say “yes” quickly might get you a ride in it, or even a chance to go along on the road trip.)

Act as soon as you can. Knowing what you need to do but not getting on with it is procrastination and procrastinaion is the mother of unnecessary problems. But if you are buying in on what the culture thinks of your abilities, it’s tempting to wait until you can confer with six friends and your spouse or maybe even ask a younger family member to decide for you. For important decisions, getting advice and double-checking is certainly wise. But for the simple things in everyday life, get on with it. Decide what needs to be done and do it.

Retirement means we have more time for whatever we choose to have in our lives. It doesn’t have to mean using a huge chunk of it to make decisions that could be made a lot quicker with no significant risk.

Nimble is good. Let’s go for nimble…at 50…65…80….90.


Retirement for Couples

Thursday, August 11th, 2011

When you’re spending most of your waking hours at work, spending 24/7 with your spouse or partner sounds like heaven. It’s not that simple once it’s time to actually pull it off.

One of the the most unexpected challenges of retirement planning is figuring out how to do it together.  I’m not talking about synchronizing departure dates and retirement party calendars.  I’m talking about how to create a mutually satisfying new lifestyle once work is no longer the central focus of your lives.  And if you are a single-earner couple, this might be even more challenging than if both of you are giving up outside work.

The surprising truth is that while one–or both–of you were enmeshed in getting the job done as a career, the other was doing something else.  And that “something else” is an important part of what you plan together for what comes next.  Assuming all you need to decide is when you stop working is like deciding you are going to have fish for dinner because you got your fishing pole out of the attic.

The key, of course, is honest conversation. That, too, is not as easy is you might want to believe. If you are expecting to resume the carefree fun of when you first fell in love without any effort, please stop and take a look at reality. Neither of you is the person who said “I do” (or even “I would if I could”) so long ago. To get to the good stuff in the future with this person, you need to figure out what’s going on now. With her (or him). With you. With the living situation you’ve been content with for the last umpteen years.

There are a few questions you’ll need to find pretty solid answers to if you want to get this right.

Who am I? A lot of who you really are has gotten buried under what you have had to do to make a living and function as a responsible adult. Getting a solid sense of what the Real You needs to thrive once you retire is going to be a bigger job than going back to the guitar lessons you gave up when you started med school. Find a way to help yourself explore who you are now. ((Supercharged Retirement: Ditch the Rocking Chair, Trash the Remote, and Do What You Love has an extensive number of fun exercises to help you do that.)

Who is she/he? (your spouse/partner) Unless you have been having long, deep conversations about personal needs and dreams for years, you have a lot to learn about your sweetheart before you step into the next phase of your lives together. This is not the same person you married (or committed to). Your buddy for retirement is that person plus all the experience, insight, and foibles acquired between then and now. Assuming she’s still the same innocent angel when she’s been negotiating deals for the non-profit she volunteers with is naive. Plus, we change as we age and our hormones rearrange themselves. Women tend to become a bit more assertive, and guys are more inclined to nurture than when we were younger. New stuff all around.

What is important (to each of you)? It’s really really important to figure this out. It’s also really really important not to assume you know what’s important to your significant other. Many who have served in support roles are ready to step up to challenges they design for themselves. Some who have been “top dog” are ready to be the support for those who have had their back for decades. But not all. What’s important is unique for each of us. Effectively combining your priorities and your “other’s” for a satisfying new lifestyle depends on each of you knowing what they are for both of you.

How/what do you want to change? What do you like and want to keep or add? What do you want to not have to do anymore? Figure this out.

How/what does she/he want to change? Same deal for your sweetie. You can’t have it all your way all the time. Find the give-and-take and get creative in finding ways to include both sets of dreams.

What are your trade-offs?” Okay, this is something we need to be very candid about. Sometimes, not only do you not get what you want, you don’t get any sympathy for even wanting it. Be authentic in what you decide to do about that. If she (or he) absolutely refuses to do something you want to do, assess where your trade-offs are. Is keeping her (or him) happy more important to you than what you wanted to do? Is doing it on a less grand scale as a solo adventure while she (or he) does something else a good compromise? What are you willing to forego for the sake of keeping the relationship on solid ground? What do you truly have to have to be true to your self?

Where are the log jams? This is the one that no one wants to admit might occur. Either we will agree happily in the first place or we will work in out. But sometimes, that’s not where the conversation goes. In fact sometimes, the conversation goes nowhere simple because the other person doesn’t want to talk about whatever it is that’s the log jam.

What you do in that situation is a function of three things: How much do you want to stay with that person? How hard would it be to go around the objection to do what you want/need to do anyway? How much of an imbalance are you willing to settle for? The situation may change over time, but if the person you love isn’t willing to look at retirement planning issues now, you need to decide what that means for you. (For the record, taking important topics of conversation “off the table” when the other partner wants to discuss them is a form of verbal abuse.)

This is just the tip of the iceberg on living well as a couple as we age. But starting with the tip will at least let you know which way the thing is floating.