Showing posts with label retirement. Show all posts
Showing posts with label retirement. Show all posts

Sunday, December 13, 2015

Retirement can be hell!


 I finally made the decision to retire because of my health. I have always loved working and poured myself into it. When I finally had to admit that I could no longer maintain the schedule that I had spent five plus decades managing it was confusing to say the least. In the beginning I tried to convince myself that sleeping as late as I wanted sounded good; eating when I wanted would be great; not having someone at the door at daybreak asking questions or wanting something would be fabulous. Ah! Finally a no stress life, but was I ever wrong. I simply traded one stress that I had always loved, for another stress that I soon discovered I hated.
Contrary to what many think, retirement has been one of the most stressful times in my life and I am sure that others have found it to be the same for them. This is because life is based on a social status that is dependent on what people do for society, and therefore that is how society identifies with them and they identify with themselves. Once retired, I felt that some people who once saw me as a contributor to society now saw me as a parasite: consuming but not producing. Not only did I feel society view me that way, I saw myself in the same way.  I cannot count the number of times I have said, “I am no longer needed”, “I am only taking up space”, “I serve no purpose” and “Why does God keep allowing me to breathe”.

While working I was frequently in the spotlight and quite honestly I did not realize the impact the attention and admiration I received from my work had on my sense of self-worth. I would have denied it if someone would have suggested my being deprived of attention and admiration would lead me to feeling rejected and empty. I would have thought those kinds of feelings to be prideful and arrogant, something I never saw myself as being.
Retirement is really payback time; there should be no guilt. These expected fourteen years for men and twenty-three for women have been earned, so what the newly retired should concentrate on is how to enjoy them to the fullest and reduce any post retirement stress. But, there is a catch; knowing and doing are two different things. I did feel guilt and often still do. My caregiver would tell me, “Father, You worked hard 18 hours a day for nearly 50 years. You contributed more than most, stop feeling guilty. You deserve to rest, you earned it.”

I found retirement contributed to feelings of grief and as in any grief response, the feelings of gloom and hopelessness were exaggerated in my mind. The loss in retirement was not of an individual, but of a way of life. In addition to dealing with grief I had to deal with a feeling of worthlessness because I no longer saw myself as contributing to society.
Most people do not like feeling like a parasite, nor do they welcome losing the status they once had. They cannot help but notice they no longer receive the respect they once had. They become over-sensitive; begin to feel like ‘yesterday’s man or woman’.

I noticed right away I was not welcome back at the parish by other priest as I had thought I would be. My once sought after advice was no longer needed. It did not take long for me to realize my fate.  Celebrating Mass as a lay person would be my only association with my past place of employment. Then because I had become bitter I found I spend the time during the Homily critiquing the Celebrant and thinking I could do a better job than him. 
I realize the feelings I have on retirement are not universal. Many people retire and never have a moment to spare in their new lives. They actually enjoy retirement. But, I aged ten years during the first year of retirement. I never lacked confidence, but I began to feel stripped of confidence. I felt defeated, beaten, bored and lost. I think one thing that made my retirement more difficult is I had not mentally prepared for it. It was not something I thought was going to happen when it did.

I am not sure I could have prepared for boredom, but I think it would have been better if I could have tried to do so. Retiring gradually is also something I think would have made my retirement better. I do not think there is one ‘retirement plan’ that fits all. I have witness people retire very young and never get bored.
I have tried to analyze why there is such a difference in how people deal with retirement. Those people that had a life outside of work seem to do far better than those like myself that devoted their life to their work. Today, I would advise all young people not to let their work consume them. Manage your work time and do not let it manage you. Young people should establish their own identity and not allow their work to become their identity. Depression after retirement is a real problem. Many people, who have invested a lot in their careers and neglected other areas of their lives, may suddenly feel emptiness and despair which leads to depression.

The loss of independence due to health issues has been a major stress factor for me. I am not use to asking or allowing people to do things for me, especially things that I once did for myself. I often feel I am a prisoner to my circumstances. My emotional feelings over retirement contribute to my health issues being worse and I know that, but once again knowing and doing something about it are two different things.
It may not sound important to others, but it has proven important to me – it is difficult for me not to be able to go places by myself and not need someone with me all the time. I think a similar situation could become a problem for husbands and wives who during a working career had a break from each other five days a week. They retire and find they are together 24/7 and that can create all kinds of problems. I have sat in malls and watched older men following behind their wives carrying shopping bags, bend over, looking defeated and wondered if the man was once the head of a corporation, a doctor, a professor or entrepreneur and now is reduced to being a ‘bag boy’. I think it is important for retirees to try and maintain some semblance of independence.

My one outlet to the world is my blog and yearly book. I admit I have concerns of getting Alzheimer’s since it seems to be a plague for my mother’s side of the family. Through observation of my own family I have come to believe maintaining a good social life where different people meet regularly in a mutually enjoyable activity slows Alzheimer’s. Those in my family that suffered from Alzheimer’s retired and locked themselves off from the world. I unfortunately have made maintaining a good social life difficult by moving to a foreign country where I have to deal with a language barrier. If I had it to do over again I do not know that I would choose to leave behind an established social life that took years to cultivate.
I allowed myself to get away from a structured life and that did not work for me. I spend half the morning in bed and the only activity of my day was going to the mall for coffee.  I have now started getting up at the same time as the rest of the world, washing and dressing, as I had all my life prior to retirement. I am assisting my caregiver and his sister in opening a small cantina and sari-sari store to occupy my time and I hope it makes me feel more productive and needed. I have contacted Field of Dreams Boys Home and getting involved with that organization on a limited basis. I am shopping around for a new parish in an attempt to find a priest that is willing to devote the time needed to prepare a decent homily so I can once again have an opportunity to learn.

I have always planned my income and expenditure at the beginning of each year and I continued that after retirement. I had planned financially for my retirement so at the moment finances is not a problem for me. I realize I am no longer in a position to earn more money so I am stricter on myself than before retirement. I would like for everyone to know the days when a pension was big enough to leave a person as well-off as when working have passed. Young people should start saving for retirement out of their first paycheck and make it a habit. The amount does not have to be great, but your loyalty to a retirement fund must be.
I am not an expert on retirement or depression, but in closing I would like to offer a few suggestions that have been given to me. Some of the suggestions came too late for me, but maybe not for you:

•Lead a balanced lifestyle and cultivate interests outside of work.
•Don’t wait until retirement to plan what to do with your time. Plan ahead.

•Prevent isolation by getting involved in activities where you can socialize and meet people with the same interests or in a similar position.

®Do not assume your children and grandchildren will be there to entertain you when you retire.

•If you are concerned that you may be suffering from depression, seek help as soon as possible. I waited until I cried at the most inappropriate times before I shared my problem with my cardiologist because I was too embarrassed to share what I saw as a weakness, but I found him to be most helpful.
How do you know you may be suffering from depression: If you have any of the following signs you should consider the possibility you are depressed.

•Persistent sad, anxious or empty mood
•Feelings of hopelessness or pessimism

•Loss of pleasure or interest in ordinary activities
•Problems with sleep (sleeping too much or too little)

•Loss of appetite or overeating
•Decreased energy

•Restlessness or irritability
•Difficulty concentrating, remembering or making decisions

•Inappropriate feelings of guilt.
I myself was feeling hopelessness and had become pessimistic; I no longer was interested in the things that once had been important to me; Sleeping had become a major issue; I lost sixty pounds in less than one year; I had no energy; I became extremely irritable with everything and everyone; Concentration became a problem and I felt guilty because God has always blessed me abundantly and continued to do so in spite of myself.

Even though I knew the signs of depression and counseled people with depression I refused to accept that depression and not strictly physical health issues were my problem. I have always been an advocate for mental health, counseling and medication, but when it came to my personal depression that was an entirely different story. I saw my depression as a weakness or lack of faith, something I would never associate with someone else’s depression. Do not let pride stand in your way of getting help.
Thank you Dr. Roy Barcinas, M.D., Davao, Philippines, for your advice!

 

 

 

Friday, October 16, 2015

Are you thinking of becoming an expat to the Philippines?


I retired and moved to the Philippines in 2005.  I thought I did extensive research on the possibility of retiring in the Philippines to only learn shortly after arriving that the research meant little because the information provided was flawed. 

Article after article stated you could retire in the Philippines on $800 a month and maintain the living standards you had back home.  Many article stated live like a KING in the Philippines on $1200 a month.  One article written by an expat living in Cebu stated you could live well on $500 per month.   Please believe me when I say you had better come and stay in the Philippines for six months before you move here.  You will find that those statements are not true.  They are written by people who are miserable in the Philippines and want others to share their misery or they are suffering from delusion.

Articles also state that EVERYONE in the Philippines speak fluent English and again that statement is not true.  Many Filipinos speak NO English at all.   The majority cannot carry on a fluent conversation in English. 

Do not buy into the myth that you do not have to be concerned about medical care in the Philippines because medical care here is equivalent to First World care.

You will find articles that state you can find everything you need in the Philippines as you can back home – not true!

I remain in the Philippines because I choose to be here.  I do not live here because of economic reasons for if I did I would be miserable.  I keep a monthly report of my income and expenses as I did when living in the United States and I can prove I could not live as I did in the U.S. on $800 a month or like a king on $1200 a month. 

You can live in Manila and enjoy all the things you had back home entertainment, restaurants, medical care, groceries, shopping, etc.  You can live in Manila where the majority of the people you come in contact with do speak English and you can converse with them in a conversation.  You cannot do that on $1200 a month or $1500 a month or $2000 a month.

If you live in one of the many Provinces (which I recommend) you will experience water and electrical shortages.  You will find products on the grocery shelf today that you will not find the next time you shop.  You will be able to shop and move around without speaking one of the many local dialects, but forget about walking up to everyone on the streets and carrying on a fluent conversation.  There most likely will not be a first class hospital in your area and you will have to go to Manila, Cebu or Davao.  You can find a nice place to live starting around $500 a month. 

There are advantages of living in the Philippines, but you must be willing to make sacrifices. To have all the comforts you had back home will cost.  Of course they will not cost as much as they did back home, but they are not as cheap as some would like you to believe.

Keep in mind that you will most likely have to bear all your medical expenses because you cannot use your Social Security health benefits outside the Continental United States.  If you are able to maintain your Blue Cross Insurance you will be required to pay the medical expenses and wait about six months to be reimbursed.

Legal employment for foreigners in the Philippines is extremely difficult and most people from First World countries would not work for Philippines wages.  Opening a business, unless married to a Filipino is also near impossible and competing against the local business owners is very difficult.

I am now 74 years old and in stage 4 or D of Congestive Heart Failure.  My medicine cost me about 8000 peso every ten days.  I just got out of a six day stay in the hospital and the bill was a little over 90,000 peso.  I need air condition in my bedroom 24/7 and my utility bill runs around 10,000 pesos a month.  I am aware the same in the United States would probably be ten times more than in the Philippines.  The insurance co-pay would probably be as much in the U.S. as the total medical expenses I incur here.

I attempted to master the local dialect, but found I could not do well enough to carry on a conversation.  If one can it will make their life in the Philippines far greater.  I would love to be able to go to the park and sit on a bench next to a local and learn about their experiences and their families and I cannot.  Some neighbors who are very good to me and love me very much are embarrassed because we cannot carry on conversations so I am limited to the gatherings I can attend.  I would say language, since I am financially secure, is my greatest problem.

I am not married to a Filipina so the only way I can remain in the Philippines more than three years without leaving the country for 24 hours is put up a $10,000 bond.  I have hesitated about doing that.  I am now faced with a situation that it will be difficult for me to travel again and having no choice but post the bond.

Yes, you can get a live-in housekeeper for 1000 pesos a month if you do not mind taking advantage of the poor.  I personally cannot and will not do that.  I did not move here to take advantage of the Filipino people.  Many foreigners living here seem to take pride in living comfortable lives on the backs of the poor, but I cannot in good conscience do that. 

If you are not married to a Filipina you cannot own land.  You either buy a condo or put the property in a Filipino’s name and that is extremely risky.  I have bought a home and put it in the name of a Filipino and have a twenty-five year lease.  I was advised that even that lease could be broken if the Filipino goes to court and proves he needs the property back.  A problem could arise with his relatives if he should die before me.  I do not choose to live in a condo because I have animals and I do not want to make rent payments that will benefit no one except the landlord.  You also must remember that you have monthly maintenance fees in a condo and you have no control of how high those fees may eventually be.

There is much to consider before leaving home and retiring in another country.  The laws back home no longer apply and you must comply with their laws, customs and traditions.  White skin in a brown skin country does not necessarily buy you instant respect and it shouldn’t.

I have no regrets that I moved to the Philippines and I believe if you come and stay six to twelve months before you move here you will neither.