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Speaker 1: O Getay listeners. Hey, so I'm going to preface this

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Speaker 1: is my little disclaimer. This is my little disclaimer for

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Speaker 1: this episode. So I'm just sharing my thoughts. This is

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Speaker 1: not as none of my episodes are really directive or

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Speaker 1: instructional or prescriptive.

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Speaker 2: But this.

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Speaker 1: Is just my take what I'm about to share on retirement. Obviously,

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Speaker 1: you've read the title, so you know what it's about.

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Speaker 1: And I don't think it's advice that anyone should follow.

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Speaker 1: But I get asked more and more as I'm heading

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Speaker 1: towards what is I guess typically retirement age, people ask

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Speaker 1: me about retirement and I actually I'm recording this on

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Speaker 1: a Saturday. I sat this morning with a lady that

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Speaker 1: I've been mentoring and coaching for in some way, shape

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Speaker 1: or form actually for over thirty years, and these days

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Speaker 1: I still see her once a week and her and

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Speaker 1: I sit down and chat. And anyway, she asked me

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Speaker 1: today if I'm going to retire. She didn't mean it

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Speaker 1: in the next ten minutes, but she go she said

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Speaker 1: to me, are you going to retire? So I assume

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Speaker 1: she was talking about sometime in the next five to

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Speaker 1: ten years. And the truth is, I'm not going to retire.

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Speaker 1: The truth is, well, let me restate that I have

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Speaker 1: no intention to retire. Who knows what the future brings,

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Speaker 1: But I want to explain to you what I see

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Speaker 1: as the pros and cons of retirement. I'm really fascinated.

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Speaker 1: This is not an anti work or an anti retirement conversation.

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Speaker 1: This is a This is like I said, it's an

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Speaker 1: opinion piece. It's a personal kind of take on something

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Speaker 1: which I think there is. I think there's a lot

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Speaker 1: of my information and kind of what's the word folklore,

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Speaker 1: Probably not, but there's almost like this cultural belief or

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Speaker 1: idea that we're all heading towards this this beautiful time

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Speaker 1: of our life where life gets better, where we stop

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Speaker 1: doing this horrible thing called work. So we step out

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Speaker 1: of work and works bad, and we step into this

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Speaker 1: non work phase of our life called retirement and retirement

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Speaker 1: as good work is bad, retirement is good, and we

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Speaker 1: get excited about that and we you know, we're looking

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Speaker 1: forward to the golden years where we'll kick back and

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Speaker 1: we'll relax and we'll probably spend a lot of time

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Speaker 1: just having fun and fucking frolicking and in the sun

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Speaker 1: and traveling around Australia or wherever you live, and you know,

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Speaker 1: just living the life, just living the life of fun

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Speaker 1: and joy and and look for some people that might

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Speaker 1: be the case. My observation, again just my observation, my experience,

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Speaker 1: my insight, that is not often the case. In fact,

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Speaker 1: my anecdotal evidence seems says to me that more often

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Speaker 1: than not, when people stop working, it has more of

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Speaker 1: a negative than a positive impact. Over the There might

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Speaker 1: be a short bump, a short kind of positive, but

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Speaker 1: more often than not, I would say, more than fifty

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Speaker 1: percent of the time, there is some significant, if not minor,

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Speaker 1: to significant negative consequence, be it physical, emotional, mental, psychological, sociological,

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Speaker 1: some kind of negative hit. Not with everyone, Not with everyone.

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Speaker 1: Some people step out of work and into this fucking

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Speaker 1: amazing phase of their life where it gets better and

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Speaker 1: they get better and all of that. And that's definitely possible.

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Speaker 1: But I have seen a lot of my friends and

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Speaker 1: my parents of my friends retire over the years. My

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Speaker 1: dad is one of those people. And again this is

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Speaker 1: just observation and experience. But my dad retired I think

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Speaker 1: at sixty four or five. He was running multimillion dollar

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Speaker 1: shopping centers, probably billion dollar shopping centers, these days and

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Speaker 1: you know so, and when he retired, he was sharp

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Speaker 1: as attack, he was fit, he was healthy, he was

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Speaker 1: solving problems every day, he was having meetings every day.

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Speaker 1: He had purpose, he had focus, he had responsibilities, he

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Speaker 1: was creating new things. He was using his brain, and

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Speaker 1: he was physically, mentally, emotionally and socially stimulated, making reasonably

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Speaker 1: good all of those things. And he was part of

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Speaker 1: than part of something bigger than himself, all of those things.

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Speaker 1: And then on a Friday he retired. Then on a Monday,

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Speaker 1: his biggest focus was, you know, what he would do

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Speaker 1: around the house. So he never went and played golf.

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Speaker 1: He never, you know, became a gray nomad traversing the bloody,

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Speaker 1: big brown landscape that is Australia. He didn't take up

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Speaker 1: a whole bunch of hobbies. He didn't go and volunteer.

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Speaker 1: And again, I love my dad, and my dad's still

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Speaker 1: God bless him, still kicking and still around. But I

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Speaker 1: think that for Ron there was probably there was a decline,

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Speaker 1: and I think he probably aged a few years in

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Speaker 1: the first year, maybe four or five years. And I

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Speaker 1: you know, that's just from the outside looking, and that

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Speaker 1: was my experience because all of a sudden, he didn't

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Speaker 1: need to be anywhere at any time. All of a sudden,

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Speaker 1: he went from a lot of responsibilities to not many.

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Speaker 1: All of a sudden, he went from being needed and

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Speaker 1: to be in certain places and solving certain kinds of

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Speaker 1: problems and having high level conversations and being creative and

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Speaker 1: being part of a team, and being stimulated and having

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Speaker 1: a focus and using his brain in a way that

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Speaker 1: kept his cognitive function at a high level, and all

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Speaker 1: of that stopped on a Friday. Because you retire, and

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Speaker 1: you retire, and then life gets better, and truly for

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Speaker 1: some people it does, of course, But I think that

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Speaker 1: I think that's saying that retirement is arbitrarily good or

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Speaker 1: for that matter, arbitrarily bad. It is like saying that

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Speaker 1: drugs are good or bad. It depends. It depends on

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Speaker 1: how that works. It depends on the dose. It depends

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Speaker 1: on whether or not where we're doing we're taking the

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Speaker 1: right drug for the right issue, and we're taking the

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Speaker 1: right dose and we're doing it in the right way.

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Speaker 1: And it also depends when we come back to retirement.

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Speaker 1: It depends what we're retiring from. For me, a good

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Speaker 1: or a bad retirement depends on what psychological, emotional, physiological,

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Speaker 1: and social impact that retirement has on the individual. And

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Speaker 1: also I guess what it is they're coming out of, Like,

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Speaker 1: what is the job that you are now not doing?

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Speaker 1: What is the work, what is the environment? What is

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Speaker 1: the thing that you've been in the middle of for

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Speaker 1: the last probably not the last forty five years, because

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Speaker 1: you probably had different jobs, but in the last year

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Speaker 1: or two or three or four or five of your

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Speaker 1: work life, what you were in the middle of. Was

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Speaker 1: it good? Was it bad? Did you enjoy it? Did

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Speaker 1: you hate it? Now, if somebody's stepping out of a

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Speaker 1: job that they hated, that they didn't they they dreaded

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Speaker 1: going to, or it was a bad culture or a

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Speaker 1: bad environment, or they didn't feel valued or loved or needed,

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Speaker 1: or it was bad on.

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Speaker 3: Their physiology, it fucked up their back, or it gave

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Speaker 3: them a headachere, well, then, of course, of course, then

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Speaker 3: get the fuck out of that, Get the fuck out

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Speaker 3: of that. Maybe retirement is a much better option than that,

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Speaker 3: or maybe there's something other than a shit job or retirement.

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Speaker 1: Maybe. So the funny thing is with you know, because

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Speaker 1: I'm sixty one now and I'm I'm still doing my PhD.

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Speaker 1: I'm just entering my sixth year of that, so five

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Speaker 1: years down. Hopefully i'll be done in about six months,

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Speaker 1: depending on a few things. So I'm still starting, I'm

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Speaker 1: still learning, I'm still doing corporate speaking. I'm still doing

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Speaker 1: seven podcasts a day. I'm still meeting people. Nearly every

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Speaker 1: morning of my life, I sit with somebody who needs

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Speaker 1: a bit of help. I choose to do that. I'm

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Speaker 1: privileged to do that. I'm still at the gym seven

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Speaker 1: days a week, and nearly every time i'm at the gym,

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Speaker 1: there's somebody there that needs help that I'm working with

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Speaker 1: or and I'm not saying any this to sound good,

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Speaker 1: but I'm busy as fuck right and a lot of

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Speaker 1: people go, you're a workholicord. A lot of people would say, oh,

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Speaker 1: you've got no balance and all of these things. And

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Speaker 1: I understand looking through their window. No criticism on my

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Speaker 1: part here, but looking through their window, I understand why

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Speaker 1: they think that. I understand why they feel that. I

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Speaker 1: think so for me, when I do the things that

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Speaker 1: I do, I literally feel like even right now, so

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Speaker 1: I'm sitting here talking about something that I find interesting

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Speaker 1: and curious and something I want to unpack. I've never

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Speaker 1: done this topic before as a standalone podcast, but I

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Speaker 1: wanted to share it with you. And I find this

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Speaker 1: particular pattern of thought or this idea or this kind

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Speaker 1: of you know, me just sitting here in the moment,

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Speaker 1: trying to unpack what I'm thinking in a way that's

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Speaker 1: going to resonate with you. But to me, like, technically,

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Speaker 1: right now, I'm working because I'm doing a podcast, and

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Speaker 1: I'm partnered with Nova on the Nova Network, and I've

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Speaker 1: got to produce seven shows a week. This is one

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Speaker 1: of the seven, and in essence, I'm being paid to

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Speaker 1: do this. But right now, in the moment, nothing, nothing

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Speaker 1: feels like work to me. Right now, I'm just in

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Speaker 1: the middle of this curious, interesting thought bubble that I'm

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Speaker 1: clumsily trying to unpack with you and for you to

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Speaker 1: give you some insight into, for better or worse, the

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Speaker 1: inner workings of my fucking mind. Who wants to know?

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Speaker 1: But right now, I'm doing my job, or part of

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Speaker 1: my job. When I do a radio interview, which I

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Speaker 1: do quite a few, I'm doing my job. I'm not

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Speaker 1: being paid for that, but that's part of what I do.

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Speaker 1: When I go and do a corporate gig, when I

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Speaker 1: do a keynote gig, a keynote presentation, whether i'm when

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Speaker 1: I do a half day workshop, when I do a

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Speaker 1: full day program with a company, I don't think, oh fuck,

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Speaker 1: I've got to go and work with you know, like

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Speaker 1: this week, I've got to do a some record this

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Speaker 1: Saturday night and Wednesday, I've got to do a two

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Speaker 1: hour I think it is a two hour workshop with AGL.

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Speaker 1: And my feeling about that, my emotion around that is excitement.

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Speaker 1: I'm like, Awesome, I get to hang out with a

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Speaker 1: room full of people. I get to talk about the

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Speaker 1: shit that I'm excited about. I want to inspire and

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Speaker 1: educate and inform people. I'll probably meet one or two

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Speaker 1: really cool people. I'll get paid pretty well to do that.

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Speaker 1: And I'm literally doing something that gives me energy. It

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Speaker 1: gives me energy. It's part of my purpose, it's part

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Speaker 1: of my focus. There's nothing about what I do that

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Speaker 1: feels like, oh God, I'm going to work because there

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Speaker 1: seems to be some unwritten kind of understanding that works.

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Speaker 1: A thing. We've got to tolerate. We've got to tolerate work.

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Speaker 1: One day we can retire. We've got to tolerate work

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Speaker 1: so that we can get to the weekend. We've got

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Speaker 1: to tolerate work so we can have four weeks holiday

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Speaker 1: a year. But ah, fuck, we just grind through it.

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Speaker 1: Imagine if we shifted that. Imagine if we could find

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Speaker 1: a way to do something that is just something that

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Speaker 1: we want to do, or something we're excited about or

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Speaker 1: passionate about, or something that we're good at. Right, something

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Speaker 1: that doesn't feel like in inverted comma is going to work.

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Speaker 1: That's my life. And yes, I did lots of things

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Speaker 1: that felt like work. And by the way, I'm not

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Speaker 1: saying I'm great, I've figured it all out. I'm saying

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Speaker 1: we don't need to go to work like this fucking

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Speaker 1: heavy psychological and emotional anchor just weighing us down. And no,

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Speaker 1: most of us can't just switch out of the thing

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Speaker 1: we don't want to do into the thing that we

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Speaker 1: do want to do in five minutes. It's a process.

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Speaker 1: But the idea of doing something that doesn't feel like work,

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Speaker 1: because I fucking love it, because I'm meeting people, I'm connecting,

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Speaker 1: I'm learning new things, Like even on this podcast, I

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Speaker 1: get to meet people that in their fields are fucking incredible.

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Speaker 1: They're thought leaders, they're scientific leaders, they're creatives and other

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Speaker 1: people that nobody's ever heard of who are just as

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Speaker 1: fucking impressive. You know, the other day, I spoke to DeAndre,

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Speaker 1: who spent four and a bit years in prison for

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Speaker 1: selling coke. And while he was in prison, he did

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Speaker 1: three quarters of a business degree or something else degree

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Speaker 1: he told me on the show. I forget, but similar

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Speaker 1: maybe it was building a construction degree. And then he

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Speaker 1: came out and then he did a degree in excise

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Speaker 1: science and he duckst his course. And he's got three

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Speaker 1: kids and a missus I would say wife, but not

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Speaker 1: wife yet a lovely fiance, I should say, and he's

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Speaker 1: building his own business. And he's like, what great dude.

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Speaker 1: I loved meeting him. Yesterday as I'm recording this. Yesterday,

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Speaker 1: I spoke to Heston Russell, the guy that got fucking

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Speaker 1: savaged by the ABC. You know, this unbelievable human who

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Speaker 1: spent over ten thousand hours in combat, combat hours more

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Speaker 1: than ten thousand, This fucking leader, this mind blowing, courageous,

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Speaker 1: fucking interesting dude that I get to. I would never

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Speaker 1: talk to him, but I get to talk to him

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Speaker 1: because I created this job. By the way, nobody gave

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Speaker 1: me this job, So don't go yeah, but you're lucky. No,

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Speaker 1: I remember, you know the story. I created this job.

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Speaker 1: I started a podcast. I had no listeners. I got

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Speaker 1: a few listeners. That show didn't work. I started another

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Speaker 1: show that didn't work. I started another show that didn't work.

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Speaker 1: And this was the was it the fourth or third?

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Speaker 1: I think it was the fourth version the You Project.

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Speaker 1: And I hate to bang on and be repetitious, but yeah,

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Speaker 1: the first six on episodes, I lost money, right, But yeah,

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Speaker 1: sometimes you've got to do the thing that's hard to

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Speaker 1: get to the thing that's good. But even though those

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Speaker 1: times when I wasn't making money and it was hard,

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Speaker 1: I was still enjoying it because I was learning and

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Speaker 1: growing and evolving. But nobody said to me, hey, Craig,

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Speaker 1: we've got an opportunity for you to become a corporate speaker.

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Speaker 1: We've got an opportunity for you to start a podcast.

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Speaker 1: We've got Even when I worked in radio, even when

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Speaker 1: I wrote for the Herald Son, even when I wrote

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Speaker 1: my book, I got more discouragement than encouragement about writing

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Speaker 1: a book because you probably won't get it published, because

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Speaker 1: you're not a writer, and I'm like, well, how many

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Speaker 1: books have you written? Fuck all, Well, I'll tell you what.

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Speaker 1: I'll write a book and I'll see what happens. I'll

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Speaker 1: work like a motherfucker, and I'll see if I can

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Speaker 1: learn about publishing and editing and distribution. I'll see if

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Speaker 1: I can learn about how the science of books and

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Speaker 1: the process of book writing and publishing and branding and

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Speaker 1: marketing and selling works. I'll see if I can learn that.

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Speaker 1: And so, you know, so the idea that you know

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Speaker 1: we are at the mercy of fate or destiny, that

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Speaker 1: you know we just end up where we end up.

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Speaker 1: Certainly we are influenced by things. Certainly there are things

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Speaker 1: that are out of control. And certainly you and I

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Speaker 1: had no control over where we were born or who

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Speaker 1: we grew up around, or what we grew up around.

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Speaker 1: But you know, this idea that work has to be

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Speaker 1: something that we suffer through for fucking forty five years

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Speaker 1: and then we try to escape when we're forty five.

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Speaker 1: There's lots of research, and if I have time, I'll

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Speaker 1: share some of it with you before we wind up.

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Speaker 1: But this idea that retirement is a great thing. It's

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Speaker 1: a culturally ingrained It's almost like this thought bubble that

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Speaker 1: we grow up believing that that retirement is some kind

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Speaker 1: of trophy or reward or thing that we get after

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Speaker 1: having endured all this hardship. And the underlying thought is,

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Speaker 1: the underlying thought is that work is something that we

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Speaker 1: need to get out of as soon as possible. And

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Speaker 1: I think when you think of work as a negative thing,

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Speaker 1: or if work is a negative thing for you, it's

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Speaker 1: not a good experience. You don't like what you do,

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Speaker 1: you don't like the people you work with, or you

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Speaker 1: don't like the environment, or you don't like the lack

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Speaker 1: of income or whatever, then I understand that. But we

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Speaker 1: all have the ability to be able to make tiny

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Speaker 1: changes day to day, take tiny steps forward day to day,

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Speaker 1: and over time reinvent ourselves. Of course, it won't be quick, easy,

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Speaker 1: funnel painless. Of course.

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Speaker 2: It will be hard, of course, of course, but that's

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Speaker 2: no reason to at thirty five or forty you put

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Speaker 2: our fucking hands under our knees and go, oh, well,

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Speaker 2: this is me.

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Speaker 1: This is me I had recently on the show, who

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Speaker 1: is now at fifty three, she's doing her PhD. I'm

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Speaker 1: not suggesting anyone needs to do this. But at forty three,

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Speaker 1: she wanted to enroll in. She wanted to enroll in university.

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Speaker 1: She'd never been to university. At forty three, she didn't

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Speaker 1: even have enough money to pay for the application. Her

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Speaker 1: girlfriend needed to pay the sixty or seventy bucks just

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Speaker 1: though she could apply. She was living in poverty with

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Speaker 1: three kids, single mum like not making ends meet. She

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Speaker 1: figured out what she figured out a way. I can

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Speaker 1: tell you when she's not going to be retiring anytime soon,

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Speaker 1: because she's doing what she loves and she's found her thing.

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Speaker 1: Having said that, am I saying retirement is bad. I'm

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Speaker 1: not saying that. I'm saying for some people. It is

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Speaker 1: bad for some people, depending on what you're coming out of.

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Speaker 1: This is my big asterisk, depending on what you were

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Speaker 1: coming out of and what you were going into. To

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Speaker 1: assume that once you stop work your life gets better

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Speaker 1: and you're happier is probably not the best assumption. I

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Speaker 1: was going to say something harsher than that. We humans

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Speaker 1: working or not, we need to be occupied. We need

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Speaker 1: some kind of focus, some kind of purpose. We need stimulation.

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Speaker 1: We weren't built to sit on the couch. We can

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Speaker 1: sit on the couch, but it is self destruction. One

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Speaker 1: oh one. We were built to have a purpose bigger

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Speaker 1: than us. We were built to have connection. We were

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Speaker 1: built to use our brain and our mind and our body.

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Speaker 1: We were used. We were built to interact. Like there's

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Speaker 1: this underlying and prevalent idea in our culture that if

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Speaker 1: you love to work, there's something wrong with you, or

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Speaker 1: like you have some kind of unhealthy addiction or problem.

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Speaker 1: And I get criticized as a percentage. It's a very

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Speaker 1: small percentage, but I interact with a lot of people,

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Speaker 1: so it still adds up to be in quite a

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Speaker 1: few people. And they don't attack me, but it's like

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Speaker 1: they're critical of how much I work and basically tell

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Speaker 1: me that I don't have work life balance, Like there's

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Speaker 1: no you don't have any balance. I'm like, well, okay,

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Speaker 1: so let's say i'm there's one hundred and sixty eight

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Speaker 1: hours in a week. So let's say i'm working. Now,

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Speaker 1: I'm working forty hours like regular for let's go thirty

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Speaker 1: five hours, thirty five hours, and thirty five hours I'm working.

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Speaker 1: There's one hundred and sixty odd hours in a week.

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Speaker 1: One hundred and sixty eight minus thirty five is one

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Speaker 1: thirty three. That means I'd be working for thirty five

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Speaker 1: and not working for one thirty three. Of course, there's

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Speaker 1: sleep in there and all of that. And people would go, yep,

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Speaker 1: that's good, that's good, and they're saying that's a good

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Speaker 1: model based on the number of hours that I just

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Speaker 1: rolled out. Thirty five. That's good, that's sensible. That gives

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Speaker 1: you an opportunity for work life balance. I'm like, okay,

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Speaker 1: what about this? What about sixty hours? No, that's ridiculous,

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Speaker 1: that's too much, that's bad for you. Is it based

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Speaker 1: on what? Well, well, it's a lot of hours. Cool,

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Speaker 1: So is it about the well, even at sixty I'm

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Speaker 1: still not working one hundred and eight hours a week.

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Speaker 1: I'm not suggesting you work sixty. By the way, there's

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Speaker 1: a point coming. Okay, Well, what if I'm working thirty

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Speaker 1: five hours but I don't like my job. What if

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Speaker 1: I'm doing thirty five hours but I don't like the

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Speaker 1: culture or the environment or the company the organization that

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Speaker 1: I work for, or the people that I work around.

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Speaker 1: What if that place and that job and those people

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Speaker 1: are toxic for me? What if they stress me? What

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Speaker 1: if I wake up on Monday morning, and even though

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Speaker 1: I only work seven hours a day, five days a week,

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Speaker 1: but I wake up on Monday morning exhausted because I

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Speaker 1: couldn't fucking sleep Sunday night, because I'm so anxious and

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Speaker 1: I'm so dreading this place that I've got to go

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Speaker 1: to because I can only work thirty five hours a

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Speaker 1: week because I need work life balance because everyone told

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Speaker 1: me so. Now I'm spending thirty five hours a week.

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Speaker 1: Is there a chance? Is there a chance that that

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Speaker 1: is more destructive and toxic and stupid than doing sixty

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Speaker 1: hours a week of something that gives me joy, of

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Speaker 1: something that fulfills me, of something that energizes me of,

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Speaker 1: something that helps me grow and learn and evolve, and

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Speaker 1: something that gives me connection, something that helps me develop

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Speaker 1: skill and keep my brain working and operating at an

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Speaker 1: ideal level. Something that puts me in the middle of

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Speaker 1: helping other people and inspiration and fun. Thing that allows

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Speaker 1: me to travel into state and to more than twenty countries,

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Speaker 1: which I've done, to talk to people all around the world.

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Speaker 1: Something that allows me to share my passion and interest

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Speaker 1: and curiosity. Oh no, you should work thirty five It's

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Speaker 1: a fucking stupid argument, and it's based on arbitrary numbers

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Speaker 1: with no consideration of the impact of the work, the

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Speaker 1: impact of what the person's doing. Let me tell you

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Speaker 1: unequivocally that ten hours of something that you hate is

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Speaker 1: worse for your health than fifty hours of something you love.

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Speaker 1: You are better to do something that you love, even

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Speaker 1: if it's by the way. I would rather do something

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Speaker 1: that I love for one tenth of the money, as

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Speaker 1: long as I can live, I'd much rather that. As

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Speaker 1: many of you know, and I don't say this to

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Speaker 1: sound good bad, this is just the truth of my life.

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Speaker 1: At least twenty percent of the work that I do

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Speaker 1: I do for free because I can, because my paid

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Speaker 1: work is quite well paid. And I'm constantly being this

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Speaker 1: is not an invitation to reach out with respect, because

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Speaker 1: I get in on data with shit. But there are

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Speaker 1: some people that and some not for profits and some

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Speaker 1: you know, some organizations that I make a decision and

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Speaker 1: I go, you know what, it's this is going to

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Speaker 1: take this much energy and time and focus, and this

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00:24:36,760 --> 00:24:39,720
Speaker 1: is a good investment of me. And I think me

399
00:24:40,040 --> 00:24:42,639
Speaker 1: investing my time and energy and skill and knowledge and

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Speaker 1: love and emotion into this person or this group or

401
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Speaker 1: this organization. I think it's a good investment and I

402
00:24:48,600 --> 00:24:50,439
Speaker 1: might be able to help them. That's why I do

403
00:24:50,520 --> 00:24:55,400
Speaker 1: it right. But when I'm doing that stuff, which is unpaid,

404
00:24:55,600 --> 00:24:59,480
Speaker 1: I am I am getting just as much joy, just

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Speaker 1: as much joy. And so if you are coming out

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Speaker 1: out of work and into retirement, again not a bad thing.

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Speaker 1: It depends what you're going to. If you're coming out

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00:25:10,200 --> 00:25:13,439
Speaker 1: of work and then you're coming in something where you

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00:25:13,520 --> 00:25:16,440
Speaker 1: have connection and you have purpose and you can still

410
00:25:16,520 --> 00:25:21,160
Speaker 1: learn and grow and evolve and you have joy, and

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00:25:21,240 --> 00:25:24,719
Speaker 1: you can stay physically and mentally emotionally in shape or

412
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Speaker 1: maybe even improve, then retirement could be fucking spectacular for you.

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Speaker 1: But we need to think about what it is we're

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Speaker 1: going to. Don't just buy into this ideology of work

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00:25:41,119 --> 00:25:45,920
Speaker 1: is bad retirement is good because it just doesn't stack up.

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Speaker 1: I did a little bit of research before I'm going

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Speaker 1: to whip through some of this. So the Journal of

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00:25:52,680 --> 00:25:55,560
Speaker 1: Epidemiology and Community Health, which is quite a big journal,

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00:25:55,600 --> 00:25:59,040
Speaker 1: found that retirement was associated with a twenty to forty

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Speaker 1: percent deeps increase in physical activity for many people. In

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00:26:03,040 --> 00:26:06,360
Speaker 1: other words, when they retire, up to four in ten

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00:26:06,480 --> 00:26:12,280
Speaker 1: people move less or the implications of that well, reduced

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00:26:12,320 --> 00:26:16,680
Speaker 1: activity increases the risk of cardiovascular disease diabetes OBC, and

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00:26:16,720 --> 00:26:20,800
Speaker 1: all of the issues surrounding that or potential issues surrounding that.

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00:26:21,800 --> 00:26:27,399
Speaker 1: Another study published in Health Economics in twenty seventeen showed

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Speaker 1: that people who retire earlier than normal have a thirteen

427
00:26:32,840 --> 00:26:38,600
Speaker 1: percent higher chance of dying. Cognitive decline. The Journal of

428
00:26:38,640 --> 00:26:43,479
Speaker 1: Economic Perspectives demonstrated that individuals who retire show faster to

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00:26:43,520 --> 00:26:48,119
Speaker 1: cognitive decline compared with those who keep working. Okay, so

430
00:26:48,160 --> 00:26:51,439
Speaker 1: if we've got people the same age, one group keeps working,

431
00:26:51,520 --> 00:26:55,760
Speaker 1: one group's retires, then there's in other words, their brain

432
00:26:55,800 --> 00:26:59,159
Speaker 1: stops working as well. And that makes sense, doesn't it.

433
00:26:59,600 --> 00:27:02,560
Speaker 1: Now that's not to say everyone who retires is going

434
00:27:02,600 --> 00:27:06,720
Speaker 1: to have more cognitive decline than everyone who keeps working.

435
00:27:06,840 --> 00:27:10,920
Speaker 1: Of course, like I said, if you're going to retire, cool, retire,

436
00:27:11,760 --> 00:27:17,120
Speaker 1: but retire well, retire with a plan, Retire with some intention,

437
00:27:17,320 --> 00:27:21,560
Speaker 1: with some process, so that you don't wake up a

438
00:27:21,640 --> 00:27:29,800
Speaker 1: year after retirement and you're fucked. What about depression? The

439
00:27:29,800 --> 00:27:35,680
Speaker 1: American Journal of Geriatric Psychiatry discover that retirement can lead

440
00:27:35,720 --> 00:27:40,400
Speaker 1: to an increase in depression, particularly for people who come

441
00:27:40,560 --> 00:27:45,480
Speaker 1: out of a job where their identity was really intertwined

442
00:27:46,280 --> 00:27:50,840
Speaker 1: with the work that they did, and also specifically for

443
00:27:51,000 --> 00:27:54,640
Speaker 1: people who go from an environment and a situation where

444
00:27:54,800 --> 00:27:59,159
Speaker 1: there was a lot of socializing or socialization to a

445
00:27:59,240 --> 00:28:05,840
Speaker 1: new paradigm where the socialization has disappeared, if not diminished.

446
00:28:08,480 --> 00:28:12,640
Speaker 1: Let's talk about social health. So research in Social Science

447
00:28:12,840 --> 00:28:16,800
Speaker 1: and Medicine, which is another journal, found that retirees report

448
00:28:16,880 --> 00:28:23,040
Speaker 1: twenty five percent less social interactions. So this of itself

449
00:28:23,119 --> 00:28:26,280
Speaker 1: is not necessarily terrible, but there can be consequences to

450
00:28:26,320 --> 00:28:33,480
Speaker 1: that disconnection, isolation, loneliness, and so on. What about longevity.

451
00:28:34,000 --> 00:28:38,080
Speaker 1: This is interesting workers who this is the National Bureau

452
00:28:38,080 --> 00:28:43,160
Speaker 1: of Economic Research. Workers who retire at seventy live significantly

453
00:28:43,360 --> 00:28:48,600
Speaker 1: longer than those retiring earlier than seventy, largely due to

454
00:28:48,720 --> 00:28:54,400
Speaker 1: continued engagement and purposeful activities. Again, like I'm saying, doesn't

455
00:28:54,440 --> 00:28:56,880
Speaker 1: mean you've got to keep working. It means either keep

456
00:28:56,920 --> 00:29:01,800
Speaker 1: working doing something where you're stimulated and using your brain

457
00:29:01,920 --> 00:29:04,840
Speaker 1: and socializing and having connection and having a purpose and

458
00:29:04,880 --> 00:29:08,480
Speaker 1: focus and moving your body. Either that that's my suggestion,

459
00:29:08,760 --> 00:29:13,120
Speaker 1: or retire into something similar where you've still got all

460
00:29:13,160 --> 00:29:18,880
Speaker 1: of those factors that impact your level of wellness. There's

461
00:29:18,920 --> 00:29:21,840
Speaker 1: a whole lot more, in fact that I don't have

462
00:29:21,920 --> 00:29:25,960
Speaker 1: time to share. But look, I think I just wanted

463
00:29:26,000 --> 00:29:30,320
Speaker 1: to share with you my thoughts around this because I

464
00:29:30,360 --> 00:29:33,240
Speaker 1: know a lot of you. I know we have a

465
00:29:33,320 --> 00:29:39,160
Speaker 1: lot of listeners around My biggest demographic is forty to fifty.

466
00:29:40,080 --> 00:29:43,320
Speaker 1: In fact, I think late thirties to fifty, but we

467
00:29:43,400 --> 00:29:48,720
Speaker 1: also have quite a lot of listeners over fifty. And

468
00:29:48,800 --> 00:29:52,080
Speaker 1: it's I think the question is not will I or

469
00:29:52,120 --> 00:29:55,320
Speaker 1: when I retire, but if I'm going to retire, when

470
00:29:55,360 --> 00:29:59,520
Speaker 1: will that be? What will that look like? Is the

471
00:29:59,600 --> 00:30:03,560
Speaker 1: store that I've been told the truth? Is my life

472
00:30:03,720 --> 00:30:07,520
Speaker 1: going to necessarily get better when I stop working? And

473
00:30:07,600 --> 00:30:09,640
Speaker 1: I know when I pump it out like this and

474
00:30:09,680 --> 00:30:13,480
Speaker 1: I explain it like this, it seems obvious. But nonetheless

475
00:30:14,120 --> 00:30:16,840
Speaker 1: there seems to be a lot of ignorance and kind

476
00:30:16,880 --> 00:30:22,600
Speaker 1: of presumptuousness or assumptions around this that I'm doing this

477
00:30:22,680 --> 00:30:24,400
Speaker 1: thing that I need to do because I need to

478
00:30:24,400 --> 00:30:26,200
Speaker 1: make money, and this is the way that it works.

479
00:30:26,240 --> 00:30:27,800
Speaker 1: And you work for this many years and then you

480
00:30:27,840 --> 00:30:31,760
Speaker 1: get to this number, this arbitrary number, and the number

481
00:30:31,760 --> 00:30:34,160
Speaker 1: differs from place to place, but typically it's somewhere in

482
00:30:34,200 --> 00:30:40,160
Speaker 1: the sixty five or sixty and boom, Now you're going

483
00:30:40,240 --> 00:30:43,480
Speaker 1: to retire. I am going to say, just quickly, I

484
00:30:43,560 --> 00:30:51,520
Speaker 1: went to a wedding, my best mate's kids wedding lovely

485
00:30:51,600 --> 00:30:58,640
Speaker 1: Laura and Vin and Tony, two of my mates. We're

486
00:30:58,640 --> 00:31:00,880
Speaker 1: at the wedding and we're talking to them. Are retired.

487
00:31:01,560 --> 00:31:03,920
Speaker 1: Now I'm going to say, both Tony and Vinn have

488
00:31:04,080 --> 00:31:06,800
Speaker 1: retired and did it great. And they did it great

489
00:31:07,080 --> 00:31:10,920
Speaker 1: because they get up every day and they've got stuff

490
00:31:10,920 --> 00:31:13,040
Speaker 1: to do. They've got people to connect with, they've got

491
00:31:13,920 --> 00:31:17,239
Speaker 1: they've got projects on the go, they've got habits and

492
00:31:17,240 --> 00:31:20,720
Speaker 1: behaviors and an operating system, for want of a better term,

493
00:31:21,200 --> 00:31:25,080
Speaker 1: that keeps them physically and mentally and emotionally and socially

494
00:31:25,320 --> 00:31:31,880
Speaker 1: up and about. So retire, don't retire, retire now, retire soon,

495
00:31:32,040 --> 00:31:35,959
Speaker 1: retire fucking way down the track. Whatever you do, but

496
00:31:36,040 --> 00:31:41,080
Speaker 1: do it consciously and question the status quo, question the

497
00:31:42,280 --> 00:31:45,920
Speaker 1: collective mindset that work is something that we need to

498
00:31:45,920 --> 00:31:48,920
Speaker 1: get out of as soon as possible. Make sure you've

499
00:31:48,960 --> 00:31:51,840
Speaker 1: got yourself financially okay, and then get the fuck out

500
00:31:51,840 --> 00:31:53,680
Speaker 1: of there and make sure when you retire, that you've

501
00:31:53,720 --> 00:31:55,400
Speaker 1: got you know this and that in place, and all

502
00:31:55,480 --> 00:31:59,480
Speaker 1: those things are good ideas and sound advice, but the

503
00:31:59,600 --> 00:32:02,560
Speaker 1: underl e kind of prevalent idea that you need to

504
00:32:02,560 --> 00:32:04,719
Speaker 1: get out of it as soon as possible because then

505
00:32:04,760 --> 00:32:07,560
Speaker 1: you can kind of start living. When you put that

506
00:32:07,640 --> 00:32:12,080
Speaker 1: under the magnifying glass, it really doesn't hold up. See

507
00:32:12,120 --> 00:32:12,600
Speaker 1: you next time,