Retirement is a term that is often associated with savings and the importance of having the financial resources to face this crucial stage of life. However, while financial security is essential, reaching retirement is much more than simply counting bills and bank balances. It is a profound journey that will redefine how we will make this transition to a life without fixed schedules..
In this sense, psychological preparation will become much more important than economic preparation, since we will face elements such as time management, returning to family space, loss of activities and social contacts, among others; which, if not conducted properly, can generate feelings of restlessness, worry, irritability, low self-esteem, feelings of worthlessness and confusion.
Many people define their identity through their careers and achievements, which, when they retire, is difficult for them to leave behind. In the case of senior executives, one would think that they should not have problems continuing with their lives, however, it is necessary to remember that this stage does not discriminate job level, on the contrary, we are all going to experience one day waking up and being a leader in a certain area. industry and to the other, just be our first name.
The ideal is to be prepared and see this process as a holistic issue that embraces all the fundamental aspects of our life. For this reason, and to make our path lighter; I want to share a general vision of how to face it from another perspective, with optimism, adaptation, identity and joy, just as its meaning indicates.
- Prepare for the emotional impact: Retirement transcends health and psychological levels. Therefore, it is essential to be prepared for this stage of life, especially in a society where life expectancy continues to increase. In our country, life expectancy is approximately 77 years, according to data from the National Institute of Geography and History (INEGI). So, it is imperative to prepare ourselves both mentally and physically before leaving our work cycle behind.
- Welcome to retirement: Concern about the lack of sufficient financial resources to maintain an optimal standard of living is one of the main concerns in retirement. According to data from the National Commission of the Retirement Savings System (CONSAR), only 25% of workers in Mexico who contributed under the previous regime in 1997 will obtain a pension. For this reason, it is extremely important to highlight the need for financial planning that aligns with your needs.
- Let go of work life: Retirement marks the end of a period and often a process of mourning, separation and loss is experienced. It is a psychological adjustment to adapt to a new irreversible reality, which requires leaving behind not only a lifestyle or relationships, but also a part of our identity that has been built based on the success of adult life. Therefore, it is essential to seek new passions, goals, undertake meaningful activities and maintain an active social network.
- Adaptation to life without structure: The transition from a structured work routine to a life without schedules can generate disorientation, especially in those who have lost important references or choose an organized lifestyle. Sometimes there is a fear that there will not be a full life after work, which can lead to feelings of emptiness, isolation or lack of motivation to stay active. Retirement planning is essential to enjoying this stage of life with fullness and purpose.
Companies can play a fundamental role in this preparation, not only with financial advice, but also by promote work environments that encourage long-term planning and reflection on retirement. This may include implementing job transition programs, workshops on time management and life after work, as well as creating support networks among employees who are experiencing this transition.
Additionally, by facilitating open conversation about the emotional and psychological aspects of retirement, you can help your employees feel more confident and prepared to face this important change in their lives. Retirement is not just about numbers in a savings account, but also about adjusting to a new chapter full of opportunities and emotional challenges.
As employers, we have a responsibility to adapt to this reality and support people in their pursuit of an active, healthy and representative retirement. Celebrating this phase of life with joy and adequate training at your side is essential for the well-being of our workforce. It is essential to provide them with the necessary support so that they complete their working life with security, success and confidence in the future.
Editor’s note: This text belongs to our Opinion section and reflects only the author’s view, not necessarily the point of view of High Level.
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Moisés Pérez Peñaloza Aon Retirement and Financial Wellness Leader for Latin America. Expert in retirement, savings, personal finances and human capital.