The year has flown by.  It’s hard to believe, but the holidays are just around the corner.  If you’re looking for a unique experience or just a great way to get in the Christmas spirit, consider planning a trip to a Christmas market.  Here’s how to do it.  

What are Christmas markets?  Christmas markets originated in Europe during the Middle Ages as a way to usher in Advent and the Christmas season.  The tradition has since made its way to many US cities.  They are generally held in a city’s town square and feature festive decorations and a number of open-air stalls that offer food, drinks and unique seasonal gifts or souvenirs.  In addition, many markets have things like music, dancing and ice skating to help you get into the Christmas spirit.

Why is now a good time?  Yes, it has been a rough year in the financial markets and budgets are tighter, but there are several reasons why now might be a good time to plan a visit to a Christmas market.  First, if your city (or a nearby city) is putting on a market, a visit can be an inexpensive experience.  Admission is usually free, so you can enjoy the sights and sounds and browse all you want without ever reaching for your wallet.  Unless, of course, you find the perfect gift or treat.  And if visiting one of the European markets is an option, the dollar is the strongest it has been in decades against the euro and the pound, so your money will go a lot further than in years past. Also helping: airfares have dropped significantly from their summer peak and winter is generally the slow season in Europe so prices are lower than during the peak season.  Bottom line, travel timing is never perfect, but before dismissing a trip out of hand, think about what options might work.

How do I plan the trip?  I think a Christmas market trip can be one of the easiest trips to plan because they’re usually held in the town square of a major city.  That means lots of flight and hotel options and you can skip the rental car and just use public transportation.  Once you decide which market you want to visit (see some options below), all you need to do is book a flight and a room.  And it’s even easier if you’re going to a local market or one within driving distance.  Just pick a day and show up.  For more info on trip planning, see my article A Practical Guide to Planning and Packing for Trips.

What are some of the main markets in the US?  Below (in no particular order) are a few of the main markets in the US with links to their official websites.  For more cities with markets just Google “US Christmas Markets.”  And don’t forget to check for markets in your hometown.  No flight or hotel required.

• Chicago, IL: November 18 – December 24
• Bethlehem, PA: November 18 – December 18
• Washington, DC: November 18 – December 23
• New York, NY: November 17 – December 24
• San Francisco, CA: November 19 – December 18
• Cambria, CA: November 25 – December 23
• Arlington, TX: November 25 – December 23
• Austin, TX: December 17 – December 23
• Denver, CO: November 18 – December 23
• St. Paul, MN: November 25 – December 18
• Atlanta, GA: November 25 – December 24

What are the main markets in Europe?  Below (in no particular order) are a few of the main markets in Europe.  For more cities with markets just Google “European Christmas Markets.” 

Note: Many of the European Christmas Markets don’t have their own websites so here is a link to a Times of London article that contains info on the markets listed below as well as many more. 

• Vienna, Austria: November 19 – December 26
• Budapest, Hungary: November 18 – January 1
• Cologne, Germany: November 21 – December 23
• Brussels, Belgium: November 25 – January 1
• Bruges, Belgium: November 25 – January 8
• Strasbourg, France: November 25 – December 26
• Gothenburg, Sweden: November 19 – December 30
• Copenhagen, Denmark: November 18 – January 1
• Basel, Switzerland: November 24 – December 23
• Edinburgh, Scotland: November 19 – January 3
• Seville, Spain: December 5 – January 5

Just imagine.  With a little planning, six weeks from now you could be sipping hot cider as you stroll through the market in Denver or buying a pair of hand knit socks from a local vendor in Belgium.  Where would you go if you had the chance?  Who would you take?  Why not give it a try?  Do some research, make a plan and go.  After all, life is short, so…

Be Intentional,

Joe 

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Most people want their life and retirement to be rich with purpose and meaning.  How can you make that happen?  I just posted a new video to the Intentional Retirement YouTube channel that will give you some practical ideas.

To watch, just click the link below or you can go directly to our channel to see everything available.  And if you haven’t already, be sure to click “Subscribe” when you visit our channel.  That way you’ll be sure to see the latest content when it’s available and it will help more people find us.  Thanks!

YouTube Video: 15 Practical Ways to Live a Purposeful Life

Be Intentional,

Joe

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The Observer Effect is the tendency for people to change their behavior if they know they’re being watched.  The interesting thing about it is that it seems to work even if you’re both the watcher and the watched.  In other words, monitoring what you do seems to change what you do.  Management guru Peter Drucker said it this way: “What gets measured gets managed.”

Intuitively this makes sense.  If you weigh yourself regularly and track what you eat, it will likely impact what and how much you eat.  And it works with more than just diet and exercise.  It can have a positive impact on your finances and lifestyle as well.  What do you think would happen if you started to consistently track what you spend?  Or how much you save?  Or your progress toward paying off your debt?  Or how close you are to your retirement goals?  Or how much progress you’re making on that particular hobby.  Or how intentional you are with your holidays and time with family?

At Intentional Retirement, we help clients with money and meaning.  The money helps them sleep at night.  The meaning gives them a reason to get out of bed in the morning.  Since those two things are part of our DNA, we’re always looking for ways to not just educate and inform, but to actually prompt people to make positive changes in their lives.  We want you to take action.  To change for the better.  To become the person you want to be.  To have a secure, meaningful life doing the things you want with the people you love.  The Observer Effect might just help.  Give it a try.  Start watching yourself.  Decide what you want to do or what you want to change and start tracking your progress.  I think you’ll find it will help you be more disciplined, focused, consistent and…yes…intentional.

Be Intentional,

Joe

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My family and I just finished a 4,200-mile, 7 state road trip.  A few nights we stayed in hotels.  More often we camped.  Sometimes camping was a luxury tent with a fireplace and running water (Thanks Under Canvas!).  Sometimes camping was our trusty tent deep in the backcountry of a National Park or on the banks of the river we were rafting.  This isn’t our usual trip, but after cancelling a trip to Italy in March and after being in lockdown mode for several months, we wanted to get out of the house.  And while 2020 is a terrible year in most regards, it seemed well suited for a good, old fashioned road trip.  So we plotted our itinerary on Google Maps, made a few bare bones plans, loaded the car and hit the road.  Here’s a bit about the trip and what things are like out there right now.  Hopefully, you can use it as inspiration for a Kerouac-style adventure of your own.

The Itinerary

We’re trying to get our daughter to all 50 states before she graduates from high school, so any trip in the US usually involves trying to check off a new state or two.  This time we got 3: North Dakota, Montana and Idaho. On our way north, we visited Badlands National Park in South Dakota as well as Mt. Rushmore where we stayed for a night.  We left early the next morning and drove to Theodore Roosevelt National Park in North Dakota.  This is the rugged land where Teddy went to disappear after losing his mom and his wife on Valentine’s Day 1884.  The campgrounds are closed due to COVID, so we got a backcountry permit, which is basically just telling them the dates you’ll be there and what trailhead you’re departing from, so they know where to look if you don’t come back.  We shouldered our packs, hiked in several miles and then found a good spot a few hundred yards up a hillside and away from the trail.  Sunset, moonrise (the picture at the top of this post) and sunrise the following morning were all pretty amazing.  We didn’t see any other people, but we had three buffalo visitors while we were watching the sunrise.  

After exploring the park a bit the following day, we drove to Whitefish, Montana where we enjoyed the town for a few days and did some hiking in Glacier National Park.  From there we drove to Oregon where we met up with friends from Washington, rented two whitewater rafts and started a four-day river rafting trip down the Wallowa and Grande Ronde rivers.  The first few hours were a little hairy as we learned to read the river, row the boats and avoid large boulders, but it quickly became second nature.  Each day consisted of rafting for about 15 miles and then finding a place on the shore to camp.  Like us, our friends enjoy a good meal, so we left the dehydrated meals at home and instead had things like Dutch Oven lasagna, breakfast burritos with all the fixings and fish tacos made with freshly caught trout.  We’d talk and play games around the campfire and then get up the next day, load the boats, shove off and do it again.  It was a really fun experience.  After reaching the pullout, we loaded the cars and drove to a BNB in Joseph, Oregon for some much-needed showers and a few days of hiking and exploring.  That’s where we parted ways with our friends and started heading towards home via Hells Canyon and Craters of the Moon National Monument in Idaho and then Yellowstone National Park and Grand Tetons National Park in Wyoming before eventually making it back to Nebraska.

In case you’re wondering…

Was everything busy?  Not terribly so.  International travel is shut down, so more people are choosing road trips for sure.  But many others are choosing to stay home altogether, so it didn’t seem overly busy, with the exception of a few National Parks that are always busy regardless.

Are the national parks open?  Yes and no.  Most parks are at least partially open, but many have closed their campgrounds and lodges.  Visit www.nps.gov to check on a park your considering.  And if you don’t have a National Park Pass, you need one.  It’s an incredible deal.  $80 per year if you’re under 62 and $80 for life if you’re over 62.

What about gas stations, hotels, restaurants, etc.?  All open for the most part, but they may have reduced capacity or certain requirements like wearing a mask.

Did you wear a mask?  Yep.  Anytime we were using the gas station, checking into a hotel or generally around the public, we wore a mask to try to limit the risk that we’d catch anything or spread it if we’re asymptomatic.  Most places have signs requiring it or at least strongly requesting it.

How much can/should you plan? We made reservations for things like our raft rental and some of our lodging.  It was pretty bare bones, however.  We often made hotel reservations in the car by looking at Google Maps and figuring out how far we’d get that day.  We never had a problem finding anything.

Tips for staying safe

Don’t go if you’re sick.  Sometimes the symptoms of COVID are mild, sometimes not.  We traveled to some pretty secluded places and didn’t want to be stranded far from medical care.  If you’re not feeling well, stay home.

Watch for travel restrictions.  We traveled through a number of states, so we checked ahead of time to make sure that they didn’t have any travel restrictions.  Just google “current state travel restrictions.” 

Design the trip with social distancing in mind.  We chose to drive our own car rather than fly.  We chose camping where we could instead of hotels.  We wore masks when we were around people.  We met up with friends who we knew have been social distancing for several months.  We chose places that were secluded and activities that were solitary.  There are plenty of ways to have a great trip and still be a little cautious.

Bring along some PPE.  We brought masks, disinfectant wipes and hand sanitizer.  Again, a bit of caution is a good thing. 

Pack snacks and food.  We brought snacks for the car and food for when we were camping.  We ordered takeout a few times, but only ate in a restaurant once toward the end of the trip.  It had a large outdoor seating area and there was only one other patron there.  With a little planning, it was easy to avoid large crowds.

Armchair Travelers

If you want to hit the road from the comfort of your own home, here are a few great road trip books that I’ve enjoyed and you might as well.  Safe travels!

• The Lost Continent by Bill Bryson
• Travels with Charley in Search of America by John Steinbeck
• Zen and the Art of Motorcycle Maintenance by Robert Pirsig
• On the Road by Jack Kerouac

Be Intentional,

Joe

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Quick thought for today.  If you want to live an intentional life, you should focus primarily on the present.  Let me explain.  We all spend part of our days—either mentally or physically—in the past, present or future.  You’re sitting there right now in the present, but maybe you’re thinking about something you did this past weekend or dreaming about something you hope to be doing 5 years from now.  Past, present and future.  We all spend our time inhabiting each of those spaces. 

Unfortunately, most of us mess up the proportions. We spend too much time and energy on the past and the future and not enough on the present.  We look back and worry about the things we did or didn’t do.  We look forward and dream about the things we hope to eventually do.  That only leaves a small amount of our time where we’re honest to goodness living in and making the most out of the present.

I’m not saying that you should ignore the past and the future, but the present should be your priority.  Anything else means you’re focusing on things you can’t change (the past) or things that might not happen (the future).  Here are a few suggestions on how to get the balance right.

How to use your past:  Don’t obsess over it.  Don’t waste your time thinking about regrets or wishing you had done or said things differently.  Don’t cling to bitterness.  Don’t hold grudges. Instead, think fondly of the good times and be grateful for the wisdom earned and lessons learned from the challenging times.  Use it as a foundation to build on.  Remember the people, places and things that made you who you are. 

How to prepare for your future:  Don’t push everything to the future.  Don’t treat it as some magical time where you’ll finally start living.  Delayed gratification is great if it’s allowing you to work toward something, but it becomes a problem if it becomes an excuse for life avoidance.  Use the runway between the present and the future for planning and preparation.  Use it to set the proper direction for your life and to get any necessary prerequisites out of the way.  Use it to set goals, dream, plan, save and even to experiment.  All of those things will help you hit the ground running and make the most out of your future years. 

How to live in the present:  Don’t get bogged down in the routine of life.  Don’t focus all your time on the maintenance of living.  Don’t live a life that is frantic and unintentional.  Be present in your days, with your friends and during experiences like vacations rather than worrying about how to make it look a certain way on social media.  Decide what you really want out of life and start doing that.  Today.  Even if you have to start small, start.  Have intentional action in your relationships, activities, health, hobbies, pursuits and every other area of your life.  Be proactive.  Learn.  Do.  Go.  Experiment.  Take risks.  In other words, live.   

A good balance of past/present/future is something like 10/60/30.  If yours looks more like 30/20/50, you’re not really living life.  You’re worrying about the life you’ve already lived and dreaming about a life you hope to someday live. 

At Intentional Retirement, we believe that retirement is an intentional way of living that prioritizes freedom, fulfillment, purpose and relationships.  It starts today and is an incremental process of aligning your lifestyle and actions with your highest priorities.  To do that, you need to focus on the present.  Stop fretting over what is past or dreaming about what is to come.  Today is a new day.  Start doing.

Be Intentional,

Joe

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Happy New Year!  Just a quick thought today on doing (i.e. taking more at bats).  One of the biggest retirement mistakes I see people make has nothing to do with money.  It’s that they constantly defer their dreams.  They just don’t do stuff.  Everything is “someday” this and “someday” that.  And I totally get it.  It’s hard to decide what you really want out of life.  It feels risky to put yourself out there to try stuff.  But you absolutely have to do it.

The best advice I can give you for 2020 and beyond is to start taking some at bats.  Right now.  Even if you’re not retired.  Especially if you’re not retired.  The worst that can happen is that things don’t work out, you get rolled a little bit, so you dust yourself off and try something different.  Ironically, that’s also one of the best things that can happen.  Because that failure is feedback.  It turns out we’re pretty terrible at knowing what’s going to make us happy.  The more stuff you try, even if you don’t end up liking it, the better idea you’ll have of what’s important to you, who’s important to you, what you like, what you dislike, what makes you happy and what you’re passionate about. 

All of those things help you understand yourself and they make you more self-aware so you can design a life that takes you where you want to go.  Finding out that you actually hate to travel or you stink at gardening or golf is awesome.  That means you won’t waste any time or money on those things during the prime of your retirement.  Instead you can triple down on the things that you do care about. 

So start taking some at bats today.  Get out there and try stuff.  Take a trip.  Pick up a new hobby.  Learn something new.  Meet new people.  Challenge yourself.  Get outside your comfort zone.  Sure, you might strike out a few times.  But you’ll get better.  You’ll figure out what you really want out of life and you’ll be doing something about it.  And that’s what living an intentional retirement and an intentional life is all about. 

Be Intentional,

Joe

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We just wrapped up Labor Day Weekend here in the U.S.  That is the unofficial end of summer and it means we only have four months to go before we finish up this year and start a new decade.  That’s plenty of time to get a few things done and finish the year strong. 

Think about any financial, investing, lifestyle, relationship, health or retirement goals you had for 2019.  How have you done so far?  How can you make the most out of the next four months?  Focus in on one or two areas where you’d like to make progress before year-end and get to work.  Maybe that’s making a written retirement plan, increasing your savings rate or making a plan to finally get debt free.  Maybe that’s repairing a relationship, starting a new workout program or learning a new skill.  Maybe you’ve reached your health deductible for the year and it’s a good time to schedule that procedure.  Or maybe it’s time to plan that trip (always a good idea).  Think about how good it would feel to finish the year with a few major items checked off your To-Do list.  Think about how much progress you could make in 2020 if you ended 2019 with solid momentum. 

Part of my job here is to help people avoid complacency.  To push you to have a tough conversation with yourself about what you really want out of life and to encourage you to take those plans really seriously.  Consider yourself pushed.  Touch base if there’s anything I can do to help.  And props for everything you’re doing so far.  The fact that you’re following along at this site tells me that you’re no slouch.  Saving for retirement and being intentional with life are not easy tasks.  Most people don’t do it.  You’re in that small minority of people who are laying the foundation for their future through discipline, hard work and good stewardship.  Well done!  Keep up the good work.  Finish the year strong.

Be Intentional,

Joe

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Warren Buffett once said:

“The big question about how people behave is whether they’ve got an inner scorecard or an outer scorecard.  It helps if you can be satisfied with an inner scorecard.”

The scorecard he’s talking about is how you measure success in any given endeavor.  Are you playing your game or someone else’s?  Do you compare yourself to others and try to win based on what they or the rest of the world think of you?  Or do you focus on the things that matter to you and judge your success based on the goals and metrics that you’ve set for yourself (i.e. your internal scorecard)? 

You can “succeed” with either scorecard.  It’s just a question of whether or not that success is likely to bring you happiness and fulfillment.  Most people use a combination of both scorecards, but during the first two-thirds of life the external scorecard often wins.  As a student, you had a literal scorecard and it measured how well you did compared to the other students and whether you reached the milestones of success set by the school.  You likely focused on that scorecard to please your parents or gain acceptance into college or a career. 

During your working years there’s pressure to focus on the external scorecard as well.  Are you the top salesman?  How much money do you make?  What is your job title?  How much is in your 401k?  What professional designations do you have?  What industry awards have you won? 

And since we use the external scorecard at work, we often use it in our personal life as well.  How big is your house?  What kind of car do you drive?  What brand of clothes do you wear?  Where do you vacation?  Are your kids in private school? 

There’s nothing inherently wrong with any of those things, but if the only reason you want them is to please others or win some foolish game of status or achievement, then you’re winning at the wrong game.  It’s possible to look totally successful on the outside and be a mess on the inside.

The internal scorecard and retirement

When you retire, you buy yourself the freedom to design your own game and set your own rules.  You get to decide what constitutes a success.  This is a much more rewarding game to play and it is more likely to result in happiness and fulfillment, because the metrics you’re focusing on are the things that are important to you.  It takes work, however, because you need to create the game and set the rules.  That means deciding what you really want out of life and then holding yourself accountable to achieve it using your internal scorecard.  Your scorecard will look different than mine, so I can’t tell you what to do, but I can give you some general ideas on how to do it.  Below are a few resources that can help.

Ebook:

A Brief Guide to Retirement Bliss

Articles:

• Methods vs. Principles
• 10 Questions that can help you decide what to do during retirement.
• Do I really want this or do I just think I want it?

Video:

For lasting happiness, get off the hedonic treadmill.

Note: If you are viewing this video in an email, it may not display properly. Click this link to watch the video in YouTube and be sure to subscribe to our channel to see future videos.

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Because retirement is a time filled with fun, travel and leisure it is easy to make the pursuit of pleasure your orienting principle.  That would be a terrible mistake.  There’s nothing wrong with pleasure, but it must exist in the context of something deeper.  Let me explain.

Meaning vs. Pleasure

I’ve written before about Viktor Frankl.  He was a psychiatrist and holocaust survivor who wrote the book Man’s Search for Meaning about his time as a concentration camp prisoner.  Frankl founded a school of psychology called Logotherapy (literally “meaning” therapy).  He believed that striving to find meaning is the primary motivational force in humans.  This was in contrast to Freud, who believed that the pursuit of pleasure was the driving motivation.  

I’m in Frankl’s camp.  In my experience with retirees, those who focus on meaning often have a deep sense of satisfaction, purpose and happiness.  Pleasure is a welcome byproduct of their pursuit of purpose. Alternatively, those who can’t find this deeper sense of meaning often self-medicate with pleasure.  Pleasure with no greater purpose eventually feels hollow for most people.  So how can you orient your retirement around meaning?

How to find meaning

According to Frankl, there are three different ways to find meaning in life.  I’ll list those below and then relate them to retirement.

Through projects or work.  All of us are designed to do something meaningful and productive.  Retirement doesn’t somehow remove that need, it just means that you no longer have to base your choice on how much something pays.  Maybe that means working part-time in a field that’s always interested you or volunteering for an organization you’re passionate about.  Or maybe it’s running for your local school board or working on a big community project.  Whatever it is, find something that will engage you and leverage your time, treasure and talents.  What people really need, according to Frankl, is “the striving and struggling for a worthwhile goal, a freely chosen task.”

Through experiences and relationships.  Retirement (and life) is at its best when we have loving, healthy relationships with friends and family and we are engaged in meaningful pursuits.  

Through challenges or suffering.  This one might seem a bit counterintuitive at first, but if you think about the times in your life that made you who you are, that taught you the most, that filled you with pride and a sense of accomplishment, my guess would be that a lot of those times grew out of a significant challenge, heartbreak or tragedy.  Frankl believed that we should welcome challenges and suffering, not because they’re fun, but because they can often bring meaning and growth.  He knew that we can’t always control our circumstances, but we can always control our response to our circumstances.  That from a guy who was in a concentration camp and found a way to redeem his suffering and use it as the soil from which he grew his philosophy, vocation and life’s meaning.

“Between stimulus and response there is a space. In that space is our power to choose our response. In our response lies our growth and our freedom.” – Viktor Frankl

So as you move toward retirement, absolutely plan on doing fun and interesting things. Splurge on yourself. Be a little selfish.  Just don’t treat the pursuit of pleasure as your ultimate goal.  If you do, you’ll likely be disappointed.  Instead, seek meaning and you’ll likely find pleasure and happiness as well.

Be Intentional,

Joe

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When it comes to retirement, you absolutely want to dream big.   Just don’t forget how important it is to eventually get those dreams off the drawing board.  Here’s a simple framework that can help.  It’s called the 4 Disciplines of Execution (4DX for short) and was developed by several people at FranklinCovey and discussed in their book by the same name.

Discipline #1: Focus on the wildly important

The authors of 4DX write: “The more you try to do, the less you actually accomplish.”  It you try to do too much, very little gets done and the things that you do, don’t get done well.  Concentrate your efforts on a few wildly important goals so you can do them well. 

It’s up to you to choose what “wildly important” things to focus on when it comes to retirement.  Here’s my suggestion, informed by almost 25 years of helping people plan for retirement: Focus on money and meaning.  The money will help you sleep at night (and fund the type of retirement you want).  The meaning will give you a reason to get out of bed in the morning. 

Discipline #2: Act on lead measures

Once you identify your wildly important goals, you need to measure your progress toward achieving them.  The authors of 4DX suggest there are two types of metrics you can use to measure your progress: lead measures and lag measures.  Lag measures track the thing you’re actually trying to achieve.  In our example above, having enough money to fund your retirement was one of the goals.  A lag measure would look at whether you’ve reached that goal.  Unfortunately, that comes too late to be helpful.  Instead you want to track lead measures.  Those are the behaviors that eventually lead to successful lag measures.  So in our example of money, lead measures could be things like 401k contributions, savings rates or investment returns.

Discipline #3: Keep a compelling scorecard

“People play differently when they’re keeping score,” the 4DX authors write.  The scoreboard brings out our competitive spirit, drives us to stay focused on lead measures and gives encouragement when we see progress toward the ultimate goal(s).  Returning to our example, maybe your scorecard tracks each pay period that you were able to save a certain percentage of your income.  Or if you’re tracking meaning, maybe your scorecard tracks every time you have a date night with your spouse, take a trip or work at learning a new hobby.  Whatever your lead measures, keep a scorecard to track how you’re doing.

Discipline #4: Create a cadence of accountability

In the final discipline, the 4DX authors say that you need to put in place a “rhythm of regular and frequent meetings of any team that owns a wildly important goal.”  Depending on your goal, that “team” could just be you or it could include others like your spouse, financial adviser, friends, children, etc.  Meet regularly with whoever has a vested interest in the outcomes you’re trying to achieve so you can track your progress and hold each other accountable.

Dreaming without doing is a recipe for disappointment.  The 4 Disciplines of Execution will help you turn your retirement plans into reality.

Quick Note: I recently posted a video to YouTube on the 8 Habits of Successful Retirees.  If you haven’t seen it yet, you can click the link to watch it and click “Subscribe” to see future videos.

Be intentional,

Joe

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