redesign retirement
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Lifestyle After RetirementRethink | Reinvigorate | Reinvent
Jenni Proctorjenniproctor@optusnet.com.au
1300 851821
What does “Retirement” mean to you?Dictionary – “retired”Withdrawn from or no longer busy with one’s
business or profession, usually because of age.Wikipedia – “Retirement” is the point where a
person stops employment completely. A person may also semi-retire by reducing work hours
Traditional View of Retirement :Reward for a “job well done”…..work, family,
money management, a life well lived.Where? What? When? How? Travel? Toys?
Rethink Retirement• Baby Boomers: More than 4 million
Australians born between 1946 – 1964• Global Financial Crisis…and now another one
looming.• Early retirement dreams vs late retirement
policies
Expectations• Longevity………Live well and long• Pleasure……….Enjoy the years you have• Fulfillment…….Do the things you want to do• Some years without too many responsibilities
or worries
What’s the reality?• Money tied up that
can’t be accessed• Poor returns on
investments• Investments that are
worth far less than expected
• Property down in value
• Volunteering to gain experience
• Learning new skills• Rewired Careers• Encore Careers• Lifestyle Careers
Reinvigorate…Your spirit• Your passions and interests
Do the same things still matter to you? What do you want to do with those passions/interests now?
• Your relationship – Your communication Do you really hear each other?
• Your dreams – What is on YOUR bucket list?Do you want to do the same things?
Reinvigorate…Your future • Your finances – What more can you do?• Your skills – Can they be put to some good use?• Your self-image – Who am I if I’m not a ……..?
“Given that more than 90% of workers are no longer engaged in heavy physical work, it is unlikely that everyone will retire as young as 67, put their brains into neutral and invite a shorter life as a result. Part-time work and/or a change of career are more likely.” – Phil Ruthven, Chairman IBISWorld, BRW, 2 July ‘09
Reinvent• Your ideas – “I have a lifetime appointment and I intend to serve it. I expect to die
at 110, shot by a jealous husband.” Thurgood Marshall 1908-1993, American Judge
• Your self-image– “We are not ‘senior citizens’ or ‘golden agers’, we are the elders, the
experienced ones; we are maturing growing adults responsible for the survival of our society. We are not wrinkled babies, succumbing to trivial, purposeless waste of our years and our time.” Maggie Kuhn, founder of Grey Panthers
• Your career – “The most successful people are those who do all year long what they
would otherwise do on their summer vacation.” Mark Twain
“Over 50? What are your career options?”“What are you doing for the rest of your life?”“Finding Passion and Purpose: Unleash the Entrepreneur Within”
Barriers to your success
Age…………………Is it a barrier? Skills……………….Are you the barrier? Attitudes….…….Are you creating a barrier?Impressions…….Could you minimise a barrier?Knowledge……..Is lack of knowledge a barrier?Decisions………..Barriers of haste and waste!
What do you really want?
Clear directionSafe transition to next stage of lifeConfidence of successKnowledge about what to do Understanding how best to do itFulfilmentSuccess – personal and financialControl over your future
What are your options?
1. Stay where you are but in a different job2. Stay where you are but with a different outlook3. New job doing similar work4. New job doing different work5. Consultant6. Buy a business7. Set up a home-based lifestyle-oriented business
Same employer
Different jobAdvantages
BenefitsPeopleEstablished reputationLess stressful
DisadvantagesWill you feel stuck?What are you missing out on?
Different attitudeHow would it feel if you looked at it all differently?
AdvantagesTime and “head space” to do what you want to do eg study, start a home-based business, investigate business opportunities.Might it be a less stressful option?
New employer
Similar workAdvantages
Established reputationLess stressful Easier transition
DisadvantagesWill you feel stuck?Is it what you really want to do?
Different workThere would have to be “stepping stones” to enable you to make the transitionSame industry vs different industryIs this the opportunity to apply your skills in a different context?
Career Change for Mature Workers
Ebook + practical workbookBased on questions + four hours of webinars
Why you might want to make a career changeHow to decide what you want to doPractical skills – How to write an outstanding resume and how to impress your interviewersHow to develop confidence and have a success mindset
Early release available soon
Email – Expression of interestjenni@RedesignRetirement.com.au
Selling for $59 AUD with workbook, audio and bonus webinarsFor you… $19 AUD = ebook + workbook + audioWould love your feedback and title suggestions! Want this to be practical, inspiring, genuinely helpful……….Something you’d recommend.
Consultant
Are you an expert?Is there a demand for your expertise?Do you have a good network?Are you comfortable promoting yourself, or letting your network know that you are available?Do you have good business skills?
Buy a Business
Scary! Outlay of money vs inflow of moneyDo you have the expertise to
Buy the business at the right price?Run the business efficiently?Build the business value to sell?
Probably need professional help
Why home-based business?
Using your skills and experienceFreedom to be your own bossCreative – Every aspect of the businessLow overheads, High convenienceTax advantagesBuild it for the future
Home-based business successesKnowledge of what is possible
Beware jumping at first good idea you hear about!
Knowledge of online business modelsCreating and selling information through Ebooks, Membership sites, Audio and Video Products
Ebay and online storesProviding services for other home based workers eg Copywriting, VA, BookkeepingBusiness ideas made possible by technology
Multi Speaker Events
Great introduction to business opportunitiesUnreal environment – hype, excitement, special offers, enthusiastic peopleOutstanding speakers with great ideasProblem: No time to think and analyseOutcomes:
Wrong products purchased! Wrong experience needed! Wrong skill sets required! Wrong support system!Time and money wasted!
The hare and the tortoise
It takes time to really learnDanger of wasting money buying into a program when you don’t know if it is right for you.Danger of wasting time following a program that may not be right for you. Overwhelm!
Planning your lifestyle first means that you will get the lifestyle you want, not the lifestyle that your business dictates.Learning and evaluating as you go ensures wise decisions.
RedesignRetirement.com1. Work out what you want to do with your life2. Grow your knowledge slowly and genuinely
Online opportunitiesOffline businesses that can be run from homeHigh demand opportunities to support others
3. Learn only from genuine experts in each field4. Find out how others have changed their lives5. Support as you make your decisions
http://www.RedesignRetirement.comhttp://JenniProctor.com/
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