Silver economy and then retirement: how to prepare for what will come

Silver economy and then retirement: how to prepare for what will come

There is much talk of changes, adaptation, transformation. But we are not always clear what we will have to live on each one. What I share here points above all to whom They work in companiesalthough it also reaches, in part, the self -employed.

First transition: of unique employment to multiple clients

What does it mean to work in a company? Basically, make a living offering value to a single client: The employereither an entrepreneur or a society. Every month, he puts money from his pocket to give back what we contribute. And the day he perceives that we no longer generate value, will inevitably dispense with us.

Today, in addition, we face a complex scenario: Jubilation systems are broken or in crisisand few can live only from their retirement. To that is added that we live much longer than before. If we used to retire around 60 – when life expectancy was between 70 and 80 – we must now project some more decade without formal job. Neither savings nor retirement reach. Therefore most people plan to continue working. This is a very important change that has been giving.

But it will continue to work no longer for a company, but as independent.

The first major transition, then, will be double: on the one hand work more years of the originally planned adapting the plans to this, and on the other, DEjar to work for “one client” (the company) and start generating value for several customers. It can be offering services, opening a business or developing some other activity.

The advantage: no longer depending on a single employer.

The disadvantage: having to go looking for customers, transform into “commercial” of the same.

This change is transcendent. The company provides security, stable income (while they last) and benefits. Life outside it demands more effort to get income, although it also frees us from the internal struggles of the organization. The challenge is to decide what the new activity will be. This generates anxiety and the better it is planned, the better it will be. There is a process to follow that happens to meet oneself, identify what we know how to do well and what we enjoy, and understand the market to which we can contribute value. For those who never felt sellers, this path can be an important effort.

Once chosen, it is today that it is rarely something static: The market changes vertiginously and therefore, beyond the initial decision, to remain attractive, we must study, update and be moving. Far from that quiet image that many projected on life after the corporate world.

In this journey, as in every big challenge, it is convenient not to be alone: ​​supporting us in friends, colleagues or mentors can make all the difference.

Second transition: from work to life without work

After several years in this dynamic, the Second transition: stop working definitely and live on savings and retirement. It is another strong change, but for opposite reasons: the lack of challenges appears, a possible blow to self -esteem, the feeling of not being so relevant. We give way to the new generations, which carry the rhythm, and perhaps we find less attention from those who are busy with their own lives.

Retirees and pensioners

The second transition is to stop working definitely and live on savings and retirement.

To that can be added health situations, and the feeling of vacuum or loneliness. It is here that it takes enormous value to have a group of friends with whom to share, learn and sustain each other. Because sometimes we discover that, for having been so busy before, we do not cultivate so many friendships; And the children, in turn, are in their stage of greatest activity and cannot always fill those spaces.

Therefore, the invitation is to be proactive: Develop affinity groups, expand circles, add people that complement us beyond the usual intimates.

In short

All, in one way or another, we will cross these transitions. If we become aware today of what they imply, we can prepare better, avoid surprises and take advantage of the good that each stage offers. Because life, in the end, is that: a succession of stages that, if we know how to travel, will allow us to enjoy all the wonderful ones they still have to offer us.

Source: Ambito

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