On Retirement And Wellness: Frequently Asked Questions


Source: rawpixel.com

You can plan your retirement as thoroughly as possible to acquire complete financial freedom when you retire. Still, you can never enjoy it unless you are physically and mentally healthy. If you aren’t, you definitely won’t be able to attain the quality of life you have dreamed of. Wealth alone is not the most significant determinant of how much you will enjoy life as a retired person. It is a mixture of wealth and health that will allow you to seize the most out of your freedom from the hustle and bustle of being a working individual.

Wellness Defined

The Global Wellness Day Organization describes wellness as “ a satisfactory or good condition of one’s existence; a status characterized by happiness, prosperity, and health.” The concept of fitness is rooted in more than achieving physical health, as it signifies something that encompasses all aspects of one’s quality of life – social, physical, and mental wellness. Hence, while creating a retirement plan helps you be confident that your financial status is ensured, it is ultimately up to you to take care of everything else.

Wellness In Retirement

The major aspects of wellness are classified into three – social wellness, physical well-being, and mental health. Maintaining these three areas in your retirement life is vital in preventing illnesses, such as depression, one of the most prevalent conditions seen among retired seniors.

The urge to turn the switch to your brain off when you are retired can be very strong. Considering that you’ve spent years of your life solving work-related problems 40 hours a week – even more – the idea of taking a step back and relaxing in your garden or simply watching television all day can be really tempting. However, to stay mentally healthy and get rid of cognitive deterioration, it is important to include mental and physical exercises into your everyday routine. Staying keen and keeping a dynamic lifestyle in retirement can help you appreciate and take advantage of your retirement years.

Source: rawpixel.com

Below are some of the most frequently asked questions and their corresponding answers about retirement.

How does retirement affect mental health?

Several studies showed that complete retirement led to a 5% to 16% surge in difficulties related to daily activities, 5% to 6% increase in medical conditions, and 6% to 9% deterioration in mental health within a span of six years.

What are the negative effects of retirement?

For men, retirement commonly results in a larger debility in physical health consequences, as substituted by challenges in mobility and daily activities, self-reported health, diabetes, stroke, heart disease, and other illnesses. Additionally, while not particularly an issue for retirees, retirement may also cause isolation and reduced social connections. There is solid proof that social solitude and loneliness increases the likelihood of early mortality. This risk also surpasses that of several major ill-health indicators.

What are the five stages of retirement?

The five stages of retirement are as follows:

  • I: Pre-retirement
  • II: Full retirement
  • III: Disenchantment
  • IV: Reorientation
  • V: Reconciliation and Stability

Is retiring sad?

Retirement depression, or the feeling of sadness and loss of focus and energy following retirement, is surprisingly prevalent. Studies found that retired people were two times more likely to report feeling depressed than those who are still at work.

Will I live longer if I retire early?

Retiring early, according to many subjects who were interviewed, could actually increase your life expectancy. For one, retirement can provide you with a lot of free time, permitting you with ample time to learn how to invest in your life and your health.

Is Retirement bad for your brain?

A number of studies have associated retirement with deterioration in one’s cognitive function and poorer health – oftentimes causing two times as much the prevalence of cognitive aging. This leaves retirees being more at risk of developing different kinds of dementia, like Alzheimer’s disease.

What is a good retirement income?

Most researchers agree that one’s retirement income must be approximately 80% of his final pre-retirement pay. This means that if you are making $100,000 a year at retirement, you have to get at least $80,000 yearly to live a comfortable lifestyle following retirement.

What is the best age to retire?

When they were asked what age they wish to retire, most people say that they prefer to do so when they are 65 to 67 years old. On the other hand, others say that claiming Social Security as early as 62 will lead to a lowered monthly benefit compared to what you will be receiving when you do a full retirement at 66 up to 70.

What is the 4% rule in retirement?

A rule of thumb that is often used in retirement spending is called the 4% rule. It is quite simple. You sum up all your investments and then withdraw 4% of your overall money in year one of your retirement. In the following years, you make adjustments to the dollar amount you withdraw to compensate for inflation.

Is retiring early worth it?

Early retirement is something that allows the retirees more meaningful years at their age when they are still active. However, rushing into it could also be a recipe for potential disaster in the long term. As with other things, planning is vital for success, especially in terms of retirement.

What retirees do all day?

When asked what they usually do all day, these are some of the common answers of retirees:

  • Watch television
  • Relaxing or doing leisure activities
  • Sleep most of the day
  • Work on their own businesses
  • Eat and drink
  • Doing volunteer work
  • Shop
  • Doing household chores

How do I know if I’m ready to retire?

You’ll know when you’re prepared to retire when:

  • You have sufficient savings.
  • You can regularly get it from your savings.
  • You have paid all your debts, big and small.
  • Your healthcare insurance is covered.
  • You can live within your budget.
  • You have developed a new plan for your life.

What should you not do in retirement?

Things you’re not encouraged to do after you retire:


  • Spend too much of your savings
  • Neglect your properties
  • Assume that your relationships are fine without taking care of them
  • Be scared of trying out new things and activities
  • Let loneliness destroy your life
  • Be undisciplined

How does it feel to be retired?

Retirement is not a constant vacation. It could also bring a sense of loneliness, disillusionment, helplessness, and boredom. If the retirees are younger and have family and friends who are still working, it can also feel very sad, especially if they do not plan for their lives yet.

Can someone come out of retirement?

Yes, that is possible, but you might need to repay any benefits that you have received. If you are below 70 and wish to come out of retirement within a …

Celebrating Yourself And Other Mental Health Checkpoints Towards Holistic Growth

Every day is an opportunity to learn and grow towards holistic well-being. A great way to continually learn would be through holistic growth. Through this, you can improve your overall self—from mental health habits to social skills. Simply put, holistic development is achieving the best version of you in many aspects of life. 

But holistic growth doesn’t mean being instantly the best in everything. The process can be dragging and lengthy, which means you have to be patient and understanding of yourself. You must practice maximum tolerance for yourself to continue being motivated towards change.

Here’s what you need to know about holistic growth and mental health. 

Mental Health Checkpoints And Holistic Growth

Holistic growth is continuously working towards becoming a well-rounded being. Because it is a never-ending process, you have to make concrete bases and timely checkpoints to monitor your progress. Break down your goals into smaller and more manageable milestones.

With these milestones and checkpoints, you can assess yourself better. You’ll know your strengths to maintain and weaknesses to improve on throughout your development.

But what are these checkpoints exactly?

Celebrating Yourself

Remind yourself of the effort you’ve poured into achieving your milestones. By recognizing strengths, you can improve your self-confidence. Celebrating your smallest of victories can give you the greatest sense of accomplishment.

Whenever you meet any of your goals, congratulate yourself. Reward yourself with something that you can really enjoy. It doesn’t have to be grand. In fact, you can even opt for a quiet day off as a reward if you wish. Meanwhile if you’re working towards a healthy lifestyle, you can reward yourself with a rest day. Avoid opting for counterproductive compensations like eating junk food because it will only defeat the overall results.  

Remember, the reward system should serve as a motivational tool for you, and not an excuse to slack off.

You can also share your significant developments with other people. Although it’s good enough to celebrate by yourself, gaining support from your loved ones can add a warm touch to your success. Just remember, you’re growing for yourself and not for anyone else!

Aligning Your Actions With Principles

When you are working for your goals, make sure they’re in line with your principles. Your beliefs are also significant when you’ve achieved unexpected results. Aligning your thoughts and actions with your principles is essential to ensure your growth toward holistic development.

Principles are essential because holistic growth means improving in every prioritized aspect of your life. Having a basis for your set goals will motivate you to take the necessary steps and changes. You have to know which parts of your life you are willing to put on hold for a while. This technique will help you create realistic and achievable milestones for your holistic growth. 

Setting New Goals

Growing is much like learning—it never stops. Once you’ve reached a milestone, start on what you need to do to reach another. But don’t pressure yourself always to be productive. Learn to take breaks after each minor victory. At the same time, keep in mind that you also have to get back to work before losing your momentum. As the famous quote said, “Rest if you must, but don’t you quit.”

So whenever you look back on your progress and check if you’ve met your set goals, try making new ones. If there are conditions you haven’t met, then you can add them to your next milestone. As long as you believe you can achieve it, you have to pursue it no matter how long the process!

Setting new goals can mean learning something new or taking a skill to the next level. For example, you value social skills, and you initially challenged yourself to meet five new people. Once you make friends with five people, you can already say you’ve achieved something. After this, you can also take it a level higher by staying in touch with these friends and learning new hobbies with them.

How Mental Health Stability Aids Holistic Growth

These mental health checkpoints will help you understand yourself better. They will also lead you to achieve a more stable mental state.

Being mentally healthy not only means being free of mental illnesses. It also means having healthy coping mechanisms, knowing your self-worth, and functioning at your highest potential. Once you have a clearer mind, you will have less trouble improving yourself.

Think of mental health stability as both a goal and a factor for your holistic development. Think of it as a catalyst for a better you.

Additionally, holistic growth will also continue to benefit your mental health. By reaching milestones and passing checkpoints, you will feel more accomplished and confident with yourself.

On your journey of holistic growth, set milestones, and schedule mental health checkpoints to monitor your development. Achieve the best you slowly and surely by celebrating yourself, aligning actions and principles, and setting new goals. Remember, you don’t have to be everything all at once, but you can be something better at every checkpoint. 


Growing Up: Moving Out Of The Family House

Moving out of the house you grew up in can be a big deal. In many cultures, parents encourage their children to be independent as a sign of growing up, and moving out of the family house is usually done once they approach adulthood.

Millennials call it “adulting,” an informal term used to describe someone’s behavior as responsible and grown-up. According to Merriam-Webster, it started appearing online in the late 2000s and gained popularity in 2016 as advertisers began to use it as a catchphrase. Independent living is one of the milestones of adulting, as well as other mundane activities such as getting a driver’s license, opening a bank account, and paying your bills on time.

How To Decide If You’re Ready

The question isn’t about whether you should leave your family home, but when you should do it. Nowadays, single adults continue to live with their parents because they can’t afford to live by themselves.

Younger people are finding it hard to move out, mainly because of expensive property prices. Even those with modest means are having a difficult time saving money, so sharing in the family’s household costs becomes an attractive option instead. In this situation, you are making practical decisions as an adult that trumps living solo if it means being in debt and missing out on your rental payments.

However, that doesn’t mean you should stay your whole life in your parents’ lair. While there may be traditional Asian families that do this, the reasons behind it are subjective. It also depends on what life stage you’re at currently.  Are you just starting in your career or growing your business? Are you the designated family caretaker, and therefore moving out feels like a luxury?

Answering these personal questions will give you an insight on how to decide if you’re ready to move out. Once you’ve sorted out your priorities, you can then set your goals and schedule them. Here are four steps to consider before you finally give up those house keys.

Create A Mock Budget

Imagine a living arrangement that is not supported by your family. If you were to live in the city, what apartment would you get? Will you be living alone or getting flatmates to share with you? Plot out the numbers and, if possible, practice them.

  • Start to buy your daily essentials instead of including them in your mom’s shopping list.
  • Offer to pay your share in the household costs to your parents to simulate how it’s like living off your savings.
  • Do a lifestyle check and determine what you can and cannot live without.

With the rising trend of urbanization, people who move to the city for jobs look for solutions to the lack of affordable housing. Co-living is a new concept that is slowly gaining popularity among young professionals all over the world. Whether it’s living with friends, colleagues, or entrepreneurs through a residential program, it’ll somehow feel like you’re in a hotel with the same guests every day.

Find Out Your Parents’ Retirement Plans

If the original plan after you graduate from college wasn’t to stay in the family home, it’d be wise to ask your parents what they were planning to do, especially if they’re both retired. Some parents sell the house and move to a smaller home to save costs on maintenance. Other couples usually intend to move to another state or country closer to their relatives or other reasons like pursuing outdoor hobbies and better weather.

Remember that this conversation won’t be easy. The relationship you have with your parents will have a significant impact on how it will go. They may want to have you around, but be open about your plans as well. You can compromise by moving somewhere within an hour’s drive, or agreeing to visit on the weekends.

Make Safety A Priority

When you approach your legal age, it might be tempting to do everything you weren’t able to do as a minor. But consequently, the law is different for adults, giving you more reason to be concerned about safety when making any life decision.

If you are leaving home because of conflict or abuse, get familiar with the social services, and supported accommodation available to you. In the same way, balance your budget with your safety needs when looking for your next home. Having a positive community that can improve your social life is much better than risking your security for cheap rent.

Ask Yourself If You’re A Good Roommate

Sometimes, living alone can be terrifying and exhausting. But there are benefits as well that you’ll never figure out unless you move out. Having lived with your parents for years, they already know what kind of a tenant you are. However, sharing a room is different altogether, so asking yourself whether you’ll be a responsible partner in the bedroom can give you a clue on the amount of space you should be getting.

Moving in with your significant other is also part of growing up. It often tells you what role you will have in your future house. Are you the one who enjoys cooking in the kitchen but not cleaning up? Or are you the clean-freak who is crazy about doing chores? Living solo has its pros and cons, but so does living with someone else, so make sure you know what you are willing to give up to live comfortably.

If living in a family basement is something you’re allowed to do until you’re 30, make the most out of it. Build up your savings to upgrade your house or, better yet, buy your place when you’re ready. Some families have so much space that it can even accommodate extended family, and that’s okay. But the point of moving out is so you could challenge yourself in living independently. Adulting is hard, but don’t do it halfheartedly, either.


Brokenhearted And Isolated: How Can You Survive?

My boyfriend and I broke up in the first week of March after six years of living together. It was unexpected on my part because we did not argue about anything on that day. In truth, I could only count with my right hand the number of times we had a lovers’ quarrel. But when I came home from work, I saw his suitcase by the door, realizing that he only waited to tell me that it’s over between us.

No matter how much I loved that man, I forced myself not to beg him to stay. Still, I could not help but ask how we ended up in that situation. His answer was, “We have gotten too in sync with each other; the spark is already gone.”

My ex-boyfriend said that slowly, but it felt like a hard slap on my face. What I thought was the strength of our relationship, he saw it as the most significant weakness. I knew then that I could not say or do anything to change his mind, so I let him go. And there I was, alone and brokenhearted.

The breakup, however, came at the most unfortunate time. A few days after my ex left, the quarantine orders rolled in my state. At the same time, my boss decided that it was best to work from home to avoid catching the coronavirus. Most of my colleagues were glad about that, but I was not.

I honestly wondered what awful things I might have done in my past lives to be in this situation. As it turned out, aside from being brokenhearted, I was also isolated. There was no worse combination than that.

Nevertheless, I am writing this in June. I have survived the isolation while mending my broken heart, even though it has appeared to be impossible at first. How?

Talk To Your Closest Friends

The first and only thing you can do at the moment is to talk to your best friends. They cannot hug you or hold your hand in support due to the pandemic, but they can listen to you for as long as necessary. All you need to do is open up them so that you can go through the grieving process more quickly.

Let Go Of Everything That Reminds You Of Your Failed Relationship

My breakup has made me realize that the person who leaves never brings any item that will remind them of your relationship. They typically do not touch them and leave the other person to find them. At least, that’s what my ex did to everything we bought or collected over the years.

No matter how expensive those objects are, you need to part with them to avoid remembering your failed coupling. The most satisfying way to do that is by burning the items, of course. But if it is impossible in your location, you can send them to the Good Will or Salvation Army.

Look For New Hobbies

The isolation has been excellent, considering I have not needed to act okay in front of anyone. When I attend Zoom meetings for work, I can say that I have just rolled out of bed so I have not had a chance to dress up. After that, I get to remain silent for hours, and no one tries to shake me.

I say that it has done me good because I felt bored with this routine and caused me to look for new hobbies. The fact that there are too many choices has occupied my mind for a while, so my broken heart heals slowly but surely.

Final Thoughts

It has been almost three months since my ex-boyfriend broke up with me and the pandemic broke out. Now, I can only see both as learning curbs, and I am ready to move on with my life. If you are interested in how I managed to pull through, you can check out BetterHelp for more helpful tips as well. You can find there a lot of interesting articles about life struggles and how you can face them.

How Quarantine Helps People Who Can’t Move On

For years, my house has served as a haven for my friends who want to run away from their problems in the big city. It is smack dab in the middle of a little ranch that I inherited from my parents, and there are no neighbors who may snoop around. In truth, the closest one lives on another farm, which is only accessible by car.

Before the quarantine, I had a new guest: my best friend, Olivia. She was in a long-term relationship with Alex—almost 12 years—and we all thought that it was the forever kind of love between them. They always looked happy and sweet together, which sometimes made me question if my beau and I were that in love. However, it eventually became revealed that Alex had been cheating on Olivia in the last six years.

When my best friend was relaying what happened to her relationship, my heart broke for her. I could see how hurt she was, weeping and staring into nothingness often. It did not help that Alex had been trying to call her, begging to “fix what they had.”

As much as I wanted to see Olivia smile again, though, I could not allow her to take Alex back. Those years of getting lied to were enough; she could find a much better guy than her ex.

My best friend might have protested and left my house if not for the travel restrictions due to the coronavirus. Thus, it feels like the quarantine can help people who can’t move on by giving you the luxury to:

Not See The Other Person For A While

The main benefit of being quarantined is that you cannot come to anyone else’s house. You need to stay at home as much as possible and only go out for groceries and medical needs. That’s how you can ensure your safety against COVID-19.

Of course, the quarantine prevents your ex from visiting you. No matter how much the man wants to come and try to woo you, the strict policy forbids him from doing so. It then offers you a chance to collect your thoughts and let go of your feelings before meeting that person again.

Unplug From Social Media

Social media platforms are similar to bear traps, in the sense that they can cripple you if you get caught in them. After all, considering the years of memories that you may have shared, you can log in and look at old photos of yourselves repeatedly. That makes it practically impossible for you to get over the failed relationship.

The quarantine does not sound too bad because of this issue. Your work may halt, and your loved ones are home, so you need not be online every day. This opportunity prevents you from reminiscing and playing with the idea of getting back with your ex.

Focus On Yourself

Another incredible thing about this quarantine is that you can focus on yourself again. You have likely forgotten how to do that due to being in a relationship for a long time. But since you are no longer shacking up with anyone, it will be effortless for you to remember who you are and can be.

I understand how unnatural it may be to think only of yourself at first. We have all had our fair share of breakups; we know that some people choose to stick with a cheater because that’s what’s comfortable. Despite that, once you focus on feeling whole, you won’t regret it.

Final Thoughts

My best friend has developed a practical outlook in life after doing everything mentioned above. Oliva has realized her worth as a woman; she won’t let anyone walk all over her. Even though it may take a while before she becomes ready to find a new man, what matters is that she has moved on finally.…

The Bliss Of Broken Family


The family is viewed as a basic unit of society. The family is considered as a significant contributor to one’s individuality, and part of this belief is the characteristic behavior of some individuals to conclude the character of others based on their family background.

Often than not, these people believe that someone who comes from a broken family will be most likely to have a failed marriage in the future. “[T]he fact remains that numerous empirical studies have found that those who experience a parental divorce are significantly more likely to divorce themselves,” writes Renée Peltz Dennison, Ph.D.

Our definition of having a perfect family streams from the fact that it is complete and no dissolution of marriage that’s going to happen. However, with the change of times, family structure has evolved, and there is now acceptance of the many forms of family notwithstanding its completeness towards the formation of the personality of the individual. 

“Children are living in many different kinds of families and households. A full 40 percent of them are not being raised by two married parents. Many are living with one parent, or with cohabiting parents, or with stepparents or grandparents, to name just a few of the most popular permutations,” writes Bella DePaulo, Ph.D.…

Can Unloving Someone Make You Happy? 

“He Is My World. I Could Not Imagine Life Without Him.” 

When I met him, my instinct did not deceive me that he has a thing for me and that I could confidently say. He made me feel special, yes, in everything he does; he made me feel like a VIP. As expected, I fell for his trap. I became too dependent on him without knowing if he also has special attention to me. I was hesitant to confront him, as he’s too coward to confess. In the end, we just let things happen as they were. Days go by and I realized how much I had given most of my time to him. I did not know that I tolerated our status unlabeled for two years because we were happy with each other as if we were officially together. Until that dreadful day came and I realized that I had no right over him when I learned that he was courting someone else. That very moment I felt numb, I wanted to cry, but not a single teardrop would fall off from my eyes. I wanted to scream so loud, but no sound would resonate from my throat, and the only thing that was clear to me that moment was the fact that my world is being taken away from me. I was scared to lose him as he was my ALL. But I forgot we had no particular connection.