Preparing for Retirement: My Personal Journey

Introduction

 When I turned 40, I started thinking about retirement. Even though I wasn't planning to retire early, I realized that I was only 20 years away from the mandatory retirement age of 60. Now that I'm 46, I feel like I've reached a milestone. I've experienced a lot of growth in my life, I'm financially stable, and I can do many things that I've always wanted to do. However, I'm also at a point where I'm caught in routines and can't do things as easily as I used to. I must balance many things in life, including taking care of my aging mother and guiding my children. Retirement is also calling, and I believe a job shift may be necessary. The truth is, I'm aging.

 Changes in My Body

A few days ago, I looked at myself in the mirror and noticed that I'd gained some weight and my hair is thinning and turning gray. Even though some people say I still look young, I don't feel the same vitality I used to have. My memory is also starting to decline, and I sometimes forget things like names and where I put my keys. I've also noticed vision problems and hearing loss in my left ear. To combat these changes, I try to exercise and eat healthily. I also wear glasses and seek medical treatment for my hearing loss.

 My Job and Career

 I've been working in peacebuilding for over two decades, and I feel like I've accumulated a lot of experience. A few years ago, I was considering a career change, but a stint at the Kroc Institute for International Peace Studies breathed new life into my career. I feel rejuvenated and fulfilled, and I plan to continue the same path for a few more years.

My Retirement Plan: Project 60.

To prepare for my retirement, I've crafted a personalized retirement plan that I call Project 60. This plan helps me be aware of the potential challenges during retirement and helps me cushion the impact on my well-being. Here are a few plans:

 1.      Identifying a Place for Retirement

I've established a home in Eldoret, which has excellent weather and is accessible to services. I've invested my resources and time in this home since 2002, and I plan to do some renovations to make it suitable for my retirement years. I also have another home in Sergoit, a more rural place on the outskirts of Eldoret town, where I plan to carry out small-scale farming activities.

 2.      Investing for a Steady Income

 I know that I'll need a reasonable income to maintain a standard of living when I stop working. I plan to invest a little more in some assets to guarantee me a steady income. I also need a supportive community of friends, family, and relatives.

3.      Creating Connections with People

I recognize that creating connections with people is important during retirement because it improves one's quality of life. I've made it a priority to connect with my childhood friends, relatives, and family members. I check on them occasionally, visit them, call them, or attend social events in the community. I've also organized family and friends reunions and meetings of relatives, participated in alumni associations of my high school and university, attended reunions of my former schoolmates, and so on. I've noticed that staying in touch with them has brought them joy, encouragement, and hope.

 4.      Continuing My Education

In 2019, I enrolled in a doctoral study program to pursue peace studies. I believe this is an important undertaking since it will help me achieve self-actualization and cushion me against loss of prestige and income once I'm out of employment after my 60th birthday. Once I complete my studies, I hope to work as a university professor, engage in consultancy, and/or training.

 Conclusion

Preparing for retirement is a personal journey that requires planning and preparation. I've realized that retirement can be a lonely and frustrating time, but with the right plan, it can be a fulfilling and enjoyable time. I hope that my journey will inspire others to start planning for their retirement and make the most of their golden years.

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