LIFE POST RETIREMENT: A CROSSROADS OF FREEDOM AND IDENTITY

While retirement can pose several hurdles and a sense of dread about the future, many learn to adapt with the changes. (Source: Freepik)

For someone who has worked relentlessly and tirelessly for almost 60 years, retirement can come with its set of benefits and challenges. This phase of a person’s life marks a profound shift -- a transition from the structure and routine of a career to the promise of newfound freedom and opportunity.

For many individuals, navigating this phase can be both thrilling and challenging, as they adjust to a lifestyle that prioritises personal fulfillment and self-discovery. Some make the most of their free time by travelling, connecting with loved ones, taking up new hobbies or becoming active community members, while others grapple with the changes and more often than not, suffer in terms of mental health. 

According to a 2006 study published in National Bureau of Economic Research, “Results from the preferred specifications indicate that complete retirement leads to a 5- 16 percent increase in difficulties associated with mobility and daily activities, a 5-6 percent increase in illness conditions, and a 6-9 percent decline in mental health.” It adds, “Voluntary withdrawal from the labour force also has some negative health impact that is consistent with changes in health behaviours and lifestyle post-retirement.”

However, another BMC Public Health research conducted in 2013 found strong evidence that retirement has a beneficial effect on mental health. “Conflicting evidence was found for retirement having an effect on perceived general health and physical health,” it mentioned. 

Loss of identity during the initial period

One of the key themes that emerged from discussions with retirees is the profound impact of retirement on one's sense of identity and purpose, especially in the initial stages. Shio Kumar, 61, a retired principal says, “Upon retiring, one of the main hurdles I faced was adjusting to a different daily routine without the structured schedule of work. Initially, I felt unsure about how to fill my time.” Former government employee, Asha Goel, 63, who took voluntary retirement at the age of 46 due to health concerns, agrees to having faced the same issues, adding that in the beginning, she thought that she should have continued working as it “gave me financial independence”.  

“Just after retirement, you will feel a huge void in your life and daily routine. Everyone faces the changed attitude of society and officials which is something no one can understand unless they go through the same ordeal,” expresses Syed Eqbal Hasan, 64, a former officer in the Bihar Government. 

Agreeing, psychologists warn that leaving the workforce can trigger a reevaluation of self-worth and identity, particularly for those whose identities were closely tied to their professional roles. Neha Cadabam, senior psychologist and executive director at Cadabams Hospitals explains that this abrupt shift can lead to feelings of isolation and identity loss, as the routines that once framed their days are no longer in place. 

“The major changes in routine can trigger feelings of boredom, stress and restlessness which will further lead to apprehension, lack of self worth,” adds Dr Evelyn Raghel Thomas, clinical director, Employee Assistance Program, Truworth Wellness. 

Financial planning is a critical aspect of retirement preparation. (Source: Freepik)

Social connections and financial planning 

Social connections also play a crucial role in post-retirement life. Many retirees face challenges in maintaining relationships with former colleagues and friends. Dr Anitha Bharathan, consultant clinical psychologist at Cadabams Hospitals, highlights that social engagement plays a critical role in promoting mental well-being and happiness among retirees. “Active social life helps combat isolation, a common issue in retirement that can lead to depression and anxiety,” she remarks.

Financial planning is a critical aspect of retirement preparation. Former railway PSU employee B.B. Walecha, 71, admits being more cautious about spending money. “It is better not to go for lavish spending like buying expensive cars, foreign trips, etc. immediately, which can eat away a major part of your savings.” 

Retirement can bring financial uncertainties and anxieties, especially for individuals who haven't adequately planned for this phase of life. Psychologists stress the importance of adopting a healthy mindset towards money management. Dr Anitha Bharathan adds that psychologists can also play a pivotal role in helping individuals manage financial anxieties associated with retirement. 

The bright side of post retirement life

While retirement can pose several hurdles and a sense of dread about the future, many learn to adapt with the changes and eventually find it in themselves to openly embrace this new chapter in their lives in diverse ways.  

Avijit Deb, 61, ex-manager at West Bengal Council of Higher Secondary Education brims with enthusiasm, “So far so good! I see this transition as a new beginning in my life and I am all set to embark on this journey filled with adventure and uncertainties.” “I always had a knack for playing sports, and that will always be a significant part of my life. However, of late I have developed an interest in daily journaling for personal reflection and self-expression. I scribble down all my thoughts, experiences, resolutions etc., and find it a great way to make my mind clutter-free,” he admits.

Kumar adds that discovering new hobbies and passions was key to reclaiming a sense of fulfillment. “Whether it was volunteering, pursuing artistic hobbies, or simply enjoying leisure activities, these pursuits provided structure and meaning to my days,” he reveals.

“I have loved gardening since my childhood days. This is one longing, which I fulfilled after my retirement,” Goel shares. She has also made an effort to have an active social life. “I am a part of a couple of ladies clubs and monthly kitty parties where we organise cultural events.”

Walecha also talks about his relaxing days. “I am at much more ease now. My daily routine has drastically changed, but not my wake up time. I start the day early, as I had always done. I enjoy my morning tea with my family which I could never do while I was working. I love spending time with them, talking to them and starting a new day with my grandson's smile.” He also stays active by going on regular walks and keeps track of the stock market by watching television. 

Have family dynamics changed?

Family members play an integral role in supporting retirees through this transition. They often witness firsthand the changes in their loved ones' lives and provide emotional and practical support.

According to Dr Bharathan, “Maintaining old friendships and family connections is equally important, as these long-term relationships provide support and a sense of continuity.”  

Avirup Nag, 26, nephew of Avijit Deb, says how his uncle’s retirement led to a deeper, more meaningful relationship with him. “We both play cricket matches together every weekend which wasn't possible previously as he used to work 6 days a week. We go for drives nearby destinations.” Sometimes, he adds that they enjoy exploring new cafes and restaurants together, as they both are “foodies”. 

Navdeep, 34, who works in the Indian Air Force says that after the retirement of his father, Shio Kumar, the family had to adapt to new routines and roles, which can sometimes be challenging. “However, we support each other by being understanding and patient, and by actively involving everyone in decision-making processes. Open communication and mutual respect are essential in maintaining harmony during this transition,” he asserts. 

How does one effectively manage their mental and physical health post retirement?

“It's essential that one reflects on an important question while transitioning into retirement - will it lead to existential crisis or present an opportunity to experience a renewed sense of purpose in life?” recommends Dr Thomas, adding that a perception shift is essential. 

Cadabam echoes this, “It’s beneficial to perceive retirement not as an end, but as the beginning of a new, exciting chapter full of opportunities for personal growth and exploration,” she proposes. This shift in perspective is crucial for embracing the extensive opportunities that retirement can offer, allowing individuals to experience this phase as a fulfilling and vibrant part of life.

She adds that taking care of physical health is essential as it can have a snowball effect on the person’s mental health. “Regular engagement in physical activities such as walking, cycling, or swimming is crucial along with practices like meditation and mindfulness. Participation in social groups can support mental health, providing a balanced approach to living that fosters both physical vitality and mental resilience,” she concludes.

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2024-04-19T07:54:30Z dg43tfdfdgfd