9  Ways  to  have  a  Happy  Retirement    Are  you  about  to  retire  after  working  many  years  in  an  industry  you  dedicated  your  whole  life  to?  Well,  sad  to  say  for  many,  retirement  is  not  a  happy  one  but  it  is  only  the  beginning  for  more  worries  in  a  person’s  life.  Think  of  it  this  way,  when  you  look  back  at  all  the  hard  work  you  had  done,  did  you  really  achieve  what  you  really  wanted?  It  is  a  tough  question  for  most  people.  Retirement  is  meant  to  be  a  happy  occasion  and  everybody  should  look  forward  to  calling  it  quit  at  some  point  in  life.  When  a  person  retires,  he  is  supposed  to  enjoy  rest  and  leisure  after  all  he  put  in  during  his  youthful  years.  But  we  all  know  the  truth  don’t  we?    The  truth  is,  by  the  time  some  people  retire  that’s  when  problems  are  getting  worse.  There  all  these  medical  bills,  high  cost  of  living  and  probably  a  lot  of  other  stuff  which  makes  it  hard  to  cope.  But  on  top  of  that,  just  entering  a  completely  new  phase  were  you  are  no  longer  as  youthful  as  you  used  to  be  and  a  phase  were  you  have  to  stand  on  your  own  two  feet,  needs  a  lot  of  adjusting.  But  apart  from  the  preceding  there  is  one  very  scary  thing  about  retirement,  which  nobody  looks  forward  to  at  all.    Retirement  with  Nothing  This  is  by  far  the  worst  that  can  ever  happen  to  anybody  and  if  it  did  ever  happen  it  is  so  unfortunate.  You  see,  when  you  are  working  during  the  prime  years,  money  was  flowing  in  and  you  could  gain  access  to  whatever  you  wanted.  However,  imagine  how  it  would  feel  when  it  suddenly  dawns  on  you  that  after  all  those  years  you  couldn’t  even  acquire  a  house,  or  some  land,  or  even  save  it  all  up.  Imagine  how  embarrassing  people  would  look  at  a  person  who  had  all  that  wealth  because  he/she  was  working  and  yet  couldn’t  even  save  or  invest  the  money.  That  could  really  be  so  devastating  and  you  would  only  wish  it  was  a  nightmare.    

I  would  like  to  believe  that  such  a  thing  has  never  happened  before,  but  the  principle  is  that  if  a  person  retires  with  completely  nothing,  then  that’s  kind  of  scary.  However,  fortunately  most  who  call  it  quit  usually  have  something  up  their  sleeves.  And  the  best  part  is  that  there  is  also  the  pension.  Which  of  course,  most  people  are  very  much  familiar  with.  So  why  worry  at  all?      Some  people  retire  happy  but  others  still  retire  in  a  low  spirit.  I  still  haven’t  seen  anyone  who  hit  the  roof  in  excitement  after  retiring  from  the  workforce.  I  bet  you  haven’t  too  but  what  could  be  the  reasons?  Well,  I  don’t  think  it’s  always  about  people  wanting  to  be  rich.  But  it  could  be  a  reason….  Well  honestly,  it  could  be  a  combination  of  things.  Some  are  just  not  prepared  for  this  new  phase  in  life  while  others,  just  don’t  want  to  leave  the  interactions  they  had  with  work  colleagues  and  friends.  Others  who  leave  work,  just  cant  imagine  what  else  they  can  possibly  do  to  keep  themselves  busy.  There  are  certainly  a  lot  of  reasons  out  there  but  all  in  all  whenever  somebody  calls  it  quit  that  should  be  a  happy  occasion.      If  you  are  about  to  retire,  whether  you  are  doing  so  early  or  you  have  reached  your  time,  here  are  9  ways  to  make  your  retirement  a  happy  one.    9  Ways  to  Retire  Happy  Before  we  dive  into  the  juicy  part,  you  must  understand  that  the  whole  reason  for  a  retirement  should  be  to  make  you  enjoy  the  rest  of  your  years.  It  should  be  a  time  to  relax,  rest  and  probably  do  stuff  you  never  thought  you  could  do.  So,  it  really  is  a  time  to  be  happy  and  make  every  second  count.  Here  are  9  ways  to  retire  happy;    

(1) Think  Positive;  It’s  always  good  to  think  positive  about  the  whole  ordeal  even  though  it’s  never  really  easy.  We  all  have  our  fare  share  of  problems  and  that’s  what  really  complicates  the  whole  equation.  However,  thinking  positive  gives  you  an  opportunity  to  face  whatever  challenge  comes  your  way  with  character.  First  things  first,  it  doesn’t  help  to  hang  around  negative  people.  Lets  start  with  an  example  here,  imagine  you  were  carrying  something  heavy  while  climbing  up  a  hill.  A  few  hours  later  you  meet  a  couple  of  friends  who  have  a  similar  load  as  yours  but  instead  of  carrying  uphill  themselves  they  decide  to  put  the  burden  on  you.  Do  you  honestly  think  you  could  successfully  carry  that  additional  load?  Not  even  a  little.    The  same  goes  with  negative  people.  They  wont  make  you  stronger  but  will  only  burden  you  more  on  top  of  the  additional  worries  you  have.      

(2) Get  Rid  of  Debt;  Here  is  one  common  fact  which  cannot  escape  us  no  matter  what  we  do,  it  is  easy  to  borrow  but  never  easy  to  pay  back.  You  see  folks,  moving  around  with  debt  on  your  shoulders  is  like  moving  around  with  a  heavy  load  on  your  back  24/7.  There  are  things,  which  are  easy  to  overlook  in  life,  but  when  it  comes  to  somebody’s  debt,  people  do  not  usually  

forgive.  It  is  even  worse  when  you  borrow  money  from  the  bank.  If  you  borrow  money  from  them  and  think  you  can  get  away  with  it,  you  have  another  thing  coming  your  way.  Usually  handling  debt  is  relative  easier  to  do  when  you  are  working  but  when  you  retire,  it  is  like  a  plague.  Here  is  some  advice  for  you,  if  you  want  to  retire  happy  get  rid  of  all  that  debt  which  you  have  been  carrying  all  your  life.  Just  get  rid  of  it  and  throw  it  all  away.  Word  of  caution,  be  careful  to  fall  into  debt  again  too.  What  are  we  talking  about  here?  If  you  are  going  to  borrow  any  money,  only  do  it  for  the  right  reasons.      

(3) Save  or  Invest;  I  usually  believe  that  saving  is  a  sure  way  to  retire  happy  because  unlike  investments  which  have  a  50/50  chance  of  success,  saving  money  is  usually  certain  because  the  money  is  already  in  the  savings  account.  However,  there  is  absolutely  no  reason  shunning  a  good  opportunity  when  it  comes  your  way.  But  before  we  get  into  investment  opportunity  options,  lets  dive  into  the  savings  options  first.  When  saving  money,  it  is  usually  advisable  to  have  a  target  on  the  amount  of  money  you  would  like  to  have  in  your  account  by  the  time  you  retire.  When  you  have  figured  that  out,  then  should  you  have  an  idea  of  how  much  money  per  month  should  be  put  aside  for  that  cause.  Remember  that,  sometimes  we  might  just  be  tempted  to  get  some  money  out  when  need  arises  but  don’t.  Tempering  with  your  savings  will  only  make  it  easy  for  you  to  take  money  out  at  will.  Remember,  this  is  retirement  money  we  are  talking  about.    

 What  about  investments?  Well  there  may  be  a  lot  of  ventures  that  could  bring  you  additional  money  but  I  am  one  who  likes  to  play  it  safe.  Of  course  they  will  tell  you  that  the  most  successful  people  of  this  world  took  risks  in  their  lives  to  get  to  were  they  were.  Here  is  my  advice,  if  you  see  an  investment  opportunity,  don’t  invest  all  your  savings.  If  anything,  find  even  an  alternative  way  to  finance  that  investment.    Leave  the  savings  out  of  it  always.  So  what  investments  are  there?  Well  you  can  invest  in  stocks,  or  you  can  invest  in  property.  Alternatively  my  personal  favorite  is  to  invest  in  a  new  start  up  business.  Not  many  start  ups  that  require  little  money  put  in  these  days.  However,  have  you  ever  thought  of  making  money  online?  Well  I  usually  don’t  like  to  say  much  about  this  but  I  usually  ask  my  visitors  to  watch  this  Free  Video  on  this  https://goo.gl/sttiSm  .  After  you  watch  that  video  you  may  gain  instant  access  to  additional  options  it  offers.  I  would  also  like  you  to  download  our  Free  Ebook  “how  to  Earn  Money  online  for  the  first  time”  by  following  this  http://www.toptier4you.com/9-­‐secrets-­‐happy-­‐retirement/  

 (4) Have  a  Retirement  Plan;  Having  a  retirement  plan  really  puts  

everything  into  perspective.  Most  of  the  times  we  tend  to  worry  about  a  lot  of  things  such  as,  what  am  I  going  to  do  with  all  this  time?  How  will  I  earn  the  extra  cash?  Although  you  cannot  eliminate  all  the  problems  on  Earth,  you  certainly  can  have  a  plan  of  action  to  tackle  your  challenges.  If  you  are  

worried  how  boring  life  will  be  after  retirement,  have  a  set  of  activities  that  you  will  do  after  you  call  it  quit.  Make  life  interesting  by  putting  your  plans  in  writing.  Ever  wanted  to  do  humanitarian  work?  Ever  wanted  to  travel  around?  That’s  were  it  all  begins.      

(5) Have  a  Retirement  Party;  What  good  is  retiring  if  you  can’t  even  have  a  party?  Remember  calling  it  quit  shouldn’t  be  a  sad  time,  but  add  some  color  to  your  life  by  enjoying  a  retirement  party.  Usually  others  will  do  it  for  you  and  if  that’s  the  case,  you  shouldn’t  shy  away  from  being  part  of  the  fun.  You  can  invite  friends  and  relatives  to  the  occasion.  However,  always  remember  not  to  be  careless  to  the  point  of  losing  a  leg  or  limb  just  because  you  were  trying  to  have  fun.  Remember,  you  want  to  start  your  retirement  years  on  a  good  and  positive  note.  

 (6) Strengthen  your  Family  Bonds;  Family  is  what  will  get  you  

through  those  years  when  you  would  have  retired.  When  you  strengthen  family  bonds,  you  strengthen  you  relationships  and  this  in  turn  leads  you  to  having  some  reasonable  levels  of  satisfaction.  Are  you  married  with  rebellious  children  you  simply  couldn’t  get  along  because  you  were  too  busy?  This  is  the  time  to  mend  those  scars  by  bringing  the  people  you  care  about  closer  to  you.  Make  it  a  reality  and  never  give  up  the  fight.  

 (7) Keep  Emotionally,  Mentally  and  Physically  fit;  Exercise  

can  do  you  a  lot  of  good  in  keeping  all  your  faculties  healthy.  You  don’t  want  to  be  in  one  place  all  the  time,  use  your  body’s  energy  to  Jog  around  or  take  long  walks.  Eat  healthy  foods  and  drink  plenty  of  water  too.  You  will  be  amazed  at  what  these  small  changes  can  do  for  you  even  as  you  approach  the  retirement  years.  Keep  your  mind  busy  by  reading  novels,  brochures  or  other  important  literature,  which  is  relevant  to  your  life.    

 (8) Be  a  Part  Time  consultant;  Even  though  your  retirement  is  fast  

approaching  that  doesn’t  entirely  mean  you  don’t  have  to  do  a  part  time  job  only  on  your  terms.  Just  before  you  call  it  quit,  you  can  establish  healthy  networks  with  people  who  might  be  interested  in  your  expertise  knowledge  or  technical  knowhow.  It  doesn’t  have  to  be  done  regularly  but  can  be  done  when  you  really  need  to  do  it.    

 (9) Accept  whatever  happens;  retirement  can  sometimes  be  a  tricky  

situation  for  anybody.  You  see  everybody  wants  to  retire  happy  and  that’s  a  fact  but  life  as  we  know  it  is  full  of  surprises.  It  is  indeed  vital  that  even  after  all  we  have  done  to  make  sure  that  everything  goes  according  to  plan,  we  should  be  prepared  incase  things  don’t  actually  work  out.  However,  the  best  part  is  that  when  we  realize  we  don’t  have  control  over  everything  in  life  can  

we  then  be  able  to  accept.  At  least  we  gave  it  a  shot  right?  But  look  at  the  bright  side!  Most  retirees  are  reasonably  okay.    

 What  retirement  should  mean  to  you  Retirement  should  be  a  cause  for  joy  because  after  all  those  years  you  devoted  in  the  workforce,  there  are  certainly  going  to  be  rewards.  However,  the  9  suggestions  you  just  read  should  just  give  you  motivation  that  you  can  actually  make  retirement  a  happy  one.  If  you  have  any  suggestions  or  comments  please  don’t  hold  back  from  sharing  your  ideas.  You  can  write  to  me  at  alexander@toptier4you.com  .