life after 60

Coping up with age after Sixty

Updated on September 25th, 2022

Changes in Life after sixty

Ageing is inevitable and everyone has to go through it. With improved health consciousness and medical facilities, the Life Expectancy has increased across the world and the definition of becoming old has undergone a change. Today, 60 is the new 40. One has nearly 30 to 40 yrs more to live after 60. With age one goes through certain physical, mental and psychological changes. One needs to be aware about these changes and accept them gracefully.  Enjoy your golden years of life by taking good care of your  physical, mental and emotional health.

Changes after Age 60

Changing Priorities after 60

So your priorities in life change after 60. Till 60, you are presumably employed and have a busy life. Your priorities generally are your job, career, health and your family, in that order. However, after retirement when reaching 60, your priorities change to Health, your post-retirement finances, living life meaningfully, staying relevant, being socially active and fulfilling your Bucket List.

Physical Changes after 60

With ageing, You will gradually start seeing changes in your body. Don’t get disturbed when you observe wrinkles, sagging of skin or shrinking body shape due to loss of muscle mass,  increase in weight, greying/balding of hair etc. There will be other physical changes too which happen gradually as we age like  painful joints, stiffening of arteries, loss of hearing and change in your vision.  Accept these changes positively as a part of your ageing process. Do your best  and take  care of your body by staying physically and mentally active.

Mental Changes after 60

There are mental changes too. You may realise that you are not mentally as sharp as you used to be. You may have difficulty in recalling names, recognising people and remembering facts.  Stimulate your brain by undertaking activities like jigsaw puzzles, playing cards, building your vocabulary, learning new skill, painting, playing music etc. Remember that mental health has an impact on physical health and vice versa. Use your  experience, knowledge and wisdom effectively to stay mentally active and arrest you cognitive decline.

Psychological changes after 60

Gradually, one also starts to feel the loss of identity, the purpose of life and how to be meaningfully and productively occupied.  The feeling of ageing with fear of sickness and health also start haunting, at times. The older you grow, the more isolated you become.  There are  times when you are anxious, worried and lethargic for no specific reason. Life appears worthless to you. This is when one starts having bouts of anxiety and stress which further harms both the physical and mental health.The main causes of these psychological effects are:

Availability of more time for yourself after retirement than before and the freedom to pass this time the way you want to do

Reduction in disposable income with stoppage of regular monthly paycheques and fear of losing out on finances

The realisation of the need to make your life relevant by being helpful and contributing to society in any manner.

The greater need for a fulfilling social relationship and feeling of being wanted.

The realisation of Living life Meaningfully with a Purpose.

The need to rework your Life-style-activity plan factoring lower income and increasing expenditure on health and wellness in future.

Desire to engage in productive activities so as to leave a mark behind when you depart from this world

What 60 Plus must do to cope up

Maintain a good Health

Always remember, you are an asset to this world so long as you enjoy  a good health or else you become a liability. Your holistic health includes physical, cognitive, emotional and spiritual health.

Keep a check on your Biological and Subjective age to remain younger than your age.

There are three ages, chronological, biological, and subjective or psychological. The first is calculated based on our date of birth; the second is determined by the health conditions and the third is how old you feel you are. While we don’t have control over the first, we have some control over the later two. You can reduce your Biological age with Exercise, Nutrition, Emotional State and control over stress levels. A positive attitude and optimistic thinking can reverse the third age. It  makes you feel younger. Lower ‘subjective age’  or ‘psychological age’ has a significant effect on your  physical and mental health.

Add balance, flexibility & strength exercises in your daily  routine. It improves your balance, posture, and the quality of your walking. It also reduces your risk of falling or fear of falls.

Always keep Learning something new

 Learning something new  adds value to your life and keeps you sharp. Learning builds your brainpower, keeps you sharp and extends your life. Every time you learn something, your brain grows new cells. It will always keeps you young, no matter what your age is. Your experience, knowledge and wisdom will decay if you don’t boost it by continued learning.

Monitor your Finances

Most retirees have mainly retirement corpus, pension and social security (in some countries) to live on. You may have income from any part-time job that you may undertake or rental income, if any. You have not only to preserve your nest egg but also make efforts to make it bigger through investment to last your entire life.

Be Relevant through Meaningful engagement

After Retirement, it is easy to while away this time by sleeping late, watching TV, doing household chores or playing with your grandchildren. These activities may keep you busy but will not give you a sense of fulfilment. So engage in activities which add value to your life like learning a new language or skill, starting a new venture or doing something which contributes to the community. Before departing from this world, you must leave a mark, create a memory or make as many people happy as possible.

Have a Good Social Life

It gives you a sense of belonging and makes you feel wanted. It makes your life worthwhile and enjoyable. It provides support and help keeping your stress levels in check.

Make & Fulfil your Bucket List

Make a Bucket List, if you do not have one. Make all out efforts to achieve all items in it before it is too late. Your list may include places to travel, skills to learn, people to meet, and doing anything else that matter to you most. Life is not endless, and you may not have the adequate strength to achieve many of the activities, if you postpone it indefinitely.

Modify your Life Style

Make a routine which balances leisure and entertainment with activities which give you a feeling of fulfilment. Your routine  must cater for time for your wellness activities, your productive pastimes, entertainment and socialisation. 

Exploit your Experience and Knowledge

Volunteer and use your knowledge and experience for the benefits of others. Consider activities like coaching and mentoring to help others. Your mind will always remain sharp.

Have a good night sleep

Sleep is as important after sixty as in childhood. You need 7 to 9 hours of slumber every night. 

Overcome the fear of death

by going spiritual. Spirituality frees you  from the psychological fear of dying which is a common cause of worry and anxiety.

Coping up with age after Sixty Read More »

Making the Best of Your Retirement

Updated on September 21st, 2022

Enjoy Your Retirement

At Retirement you still have at least 20 to 35 years (considering increasing life expectancy) which is a significant period in one’s life. Retirement gives you an opportunity to work for yourself. It is the time to do things which you always wanted but had no time to do it. So make the best use of this time and enjoy the ‘Joys of Retirement‘. Transition to the retired life from an active life is a challenge that you need to be prepared for. With your physical and mental faculties diminishing  gradually and availability of support reducing, you have to keep  your spirits high to keep you going. With little efforts, you can live your life well and meaningfully after retirement.

Health is your most important Asset

Remember that after retirement, health is your most important asset and prioritise it accordingly. With depleting energy levels, playing golf everyday,  partying and  touring very frequently may not be sustainable unless you take care of your health. Take special care of nutrition and physical work out. Make it a point to get your medical check up at least once every year. Apart from physical health, exercise your mental faculties, maintain emotional balance and work towards your spiritual growth. If you are careful and meticulous in your health and wellness plan, you can even Reverse your Biological Age.

Live Life meaningfully

Initially, the retirement appears like a long vacation where you have freedom to do whatever you like.  After a while, a feeling comes in that spending time in passive activities like watching TV  or listening to music is OK for a while, but what is important is to spend time meaningfully and constructively. Whatever you do must give you a feeling of accomplishment. Feeling of fulfilment and purposeful engagement is important to keep you going in your retired life. There has to be a balance in the activities which give you pleasure, fulfillment, purpose, feeling of being wanted and doing something worthwhile.

Define the Purpose of your Life

Ask Yourself ‘What is the Purpose of my Life?’ Understand and Define your Purpose of Life, if not already done. Having a purpose will help you in focussing your energies and give significance to your life. Your purpose will act like a tonic which will give you adequate strength to live a satisfied and engaged life after retirement. It will help you in achieving true ‘Happiness after Retirement

Keep Learning Something New

Remember, ‘It is never too late and You are never too old to Learn. Doing courses in your area of interest is a good pastime and investment of time. Online courses(many of which are free) offer a good opportunity to undertake these courses in your home comfort without any pressure of time or money.

Reading is another good constructive pass time. I would recommend every retiree to invest in a e-Book reader. The advantage of eBook reader is its easy access to millions of books some of which may be free. Using an E-book reader you can even start reading a number of books simultaneously on a time sharing basis. At the same time you carry your entire library with you wherever you go.

Watching knowledge enhancing and thought provoking documentaries  is another constructive way of passing time. These programs can  be streamed from programs like Netflix, Prime, Youtube etc.

Subscribing and listening to useful podcasts is another option. There are a variety of are thought provoking talks which add to your knowledge base without straining your eyes.

Learn to Meditate

You also need to devote time for mind stilling/controlling exercises like meditation and mindfulness, may be for 15-30 minutes a day. Time devoted may be increased gradually. Time spent on meditation is an investment. The returns are in the form of increased energy level, reduced stress level and improved concentration. If you are a beginner, you may go through the post ‘Learn the Meditate: My Experience and Lessons’.

Formulate your Life-Style and Activity Plan

Define your life-style plan in consultation with your partner and follow it. Your plan needs to have activities which  contribute to your overall health and wellness, give you pleasure,  foster social interactions and make your life relevant.

At the beginning of each day, make a broad  activity plan as to what you intend to do for the day and at the end to the day take a stock of all that you could achieve. In the beginning, it may be disappointing as you may miss out many of your targets. The exercise is still worth as it forces you to plan and review your achievements.

Accomplish your Bucket List

A Bucket List is simply a list of things that you wish to accomplish in your lifetime. It  is good to have a Bucket List is it forces you to  plan and track your goals for accomplishing activities which you have been always wanting to do before you hit the bucket. It gives you a focus and motivation to achieve your dreams. Go through your Bucket List periodically and make an all out effort to accomplish your list as early as possible.

Spend more time with your family

Spend more time with Family. Once you retire, you’ll have plenty of time. No, you can’t go back and make up for the time you didn’t have earlier in life. But now you can resolve to spend more time with family. Spend time with your grandchildren.

After Retirement you are available to your spouse 24x7x365 (presuming that your spouse is not working) which your spouse is not used to. In fact your spouse is getting double of you you with half (or even less) of your income. Therefore it is important to get along well with your spouse at home. One aspect which you must remember that your retirement means more load on your spouse and it is your moral responsibility to share the load. Now you have no excuse for not doing it.

Travel More

Travelling makes life exciting and energises you. It adds value to your life and rejuvenates you. The memories of your best holidays makes you feel good and positive. Plan a trip at least once in six months and make the best use of this time. Plan your distant and adventurous travels early after retirement as health becomes a major issue later and there is no guarantee that you will live that long.

Exploit Technology to your advantage

Use technology to your advantage. Most of the retirees today have a working knowledge of computers and most of the mobile based applications. If you lack the basic knowledge, it would be a good idea to take up a basic course on computer applications. It would enable you to exploit the technology to the maximum thus easing your life. Smart phones are a boon to Fifty Plus, if exploited well.

Plan your retirement corpus/accumulated savings.   Invest them in a manner that you take a balanced and calculated risk to maximize your returns. It is always better to seek professional advice so that you get a better return after catering for the inflation. In addition, you must have a Viable Withdrawal Plan  to enjoy the fruits of your savings and investment to the maximum in your lifetime. Remember, expenditure on health care in the later years can be heavy. Therefore, take an appropriate Insurance Plan that covers you and your spouse adequately.

Consider Volunteering/Part time job

If you get an opportunity, volunteer for social service or for non-profit organizations for the benefit of the community with the aim to give back to the society. Taking up a part time/ full time job after retirement is not mandatory unless you need money and want to supplement your income to maintain your lifestyle. However, if you do not have adequate hobbies and pastimes to keep you busy, you may take it up as an occupation, even if you are financially sound. Always make sure that you leave enough time for your rest and recreation.

Balance your leisure with productive engagements

Thus your Post-Retirement Basket needs to have a balanced mix of some work, hobbies, ongoing learning, recreation, travel, reconnecting with family and friends and giving back. The goal should be to expand social connectivity, purposeful activity, self esteem through productive engagements and overall enjoyment of life.

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