To optimize something is to “make it as perfect, effective or functional as possible.”  That’s a good goal for retirement.  After all, you only have one shot at it, so make it the best it can be.  Here’s how to optimize your life for retirement.

Control your time. Think of life as a pie chart that is divided into time you control and time controlled by others. The goal is to gradually shrink the piece of the pie that is controlled by others.  The smaller that piece becomes, the more “retired” you are.  The more time you control, the more you can focus on the things you want to do rather than the things you have to do.  How do you control more of your time?  The primary way is to be financially independent, so make sure your finances are on track.

Optimize your location.  The American Enterprise Institute recently published a study on how location affects happiness.  They concluded that people who live closer to the things they want to do are happier, more involved, more satisfied with life and less likely to be lonely.  Kind of a no brainer, right?  If you love to ski, live close to the mountains.  If you want to spend time with your kids, live in the same city.  And the study found that proximity works for small things too.  If you live near a multitude of amenities—the coffee shop, gym, community center, restaurants—you’ll likely get out more, feel less isolated and be happier. 

Hack your health.  A hack is a trick or method that increases efficiency.  I have a friend who recently started a physical therapy practice that focuses on prevention rather than recovery.  I think the idea is a brilliant hack.  Similar to the dentist, you go in twice a year for evaluation and a checkup.  He takes some baseline measurements and looks for problems.  Then he asks what types of things you like to do (e.g. hike, ski, golf, garden, run, tennis, etc.) and gives you exercises that will allow you to do those things for as long as possible.  I like to hike, so we’re working on leg strength, balance, joints and endurance.  The idea is to keep me healthy and active doing the things I want to do for as long as possible.  How about you?  What types of things do you want to be able to continue doing as you age?  Schedule some time with a local physical therapist and ask them to help you optimize your health for the lifestyle that you want to live.

Be specific.  At the risk of sounding obvious, you have a much greater chance of accomplishing a goal if you know exactly what it is you want to do.  If you want your retirement to run smoothly, make specific plans. 

Take some at bats.  One of the biggest mistakes I see some people make is that they constantly defer their dreams.  The best advice I can give you today 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 and 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.  That makes you more self-aware so you can design an optimized life that takes you where you want to go.

Be a system thinker.  Retirement has a ton of moving parts that need to work together to produce the results that you want.  Those parts include things like money, relationships, pursuits, Social Security, Medicare, healthcare, distribution planning, tax planning, housing and insurance to name a few.  Those parts work together in a complex system.   If the parts work, the system works.  If one or more parts isn’t functioning properly, the system breaks down.  To optimize your life for retirement, make sure that each part of that system is working as it should.  Some parts you’ll be able to handle on your own.  For other parts, you’ll likely need to enlist the help of people like your accountant, financial adviser or doctor.

Simplify.  As you take more control of your time and plan your transition into retirement, make a “Stop Doing” list.  Certain things will no longer be relevant to your new plans.  Go through all your activities, obligations and commitments and decide what needs to go.  Once finished, your schedule will be much less cluttered and you will be able to use your time more efficiently.  Do the same thing with the physical clutter in your life. 

Retirement is not a one size fits all proposition.  By focusing on the items mentioned above and tailoring them to your unique situation, you can optimize your life for the retirement that you want. 

Be Intentional,


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