By Ernie J. Zelinski
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  Afraid of Retirement 

What People Fear Most about Retirement

Many of the  soon-to-be retired fear retirement due to the decline in property values, pensions, and personal savings.

Apparently, retirement is not near as difficult as some soon-to-be retired fear.
A September 2010 study found that:

• Although 25 percent of still-working soon-to-be retired fear they won't generate enough retirement income, 57 percent of people actually retired say they are.

• About 60 percent of the soon-to-be retired believe they will need some sort of work in retirement, only 23 percent of retirees still have some sort of retirement job.

• Whereas fewer than half — 44 percent — of the soon-to-be retired believe that they can retire in their current primary residence, in fact, eighty-three percent of retirees still live in their pre-retirement residences.

Retirement does present problems or challenges for some retirees, however.

• Twenty percent of retirees said "just making ends meet" is a challenge.

• Almost 30 percent of retirees have had to downsize their lifestyle.

• About 10 percent of retirees said they no longer can afford do keep their primary residence.

Recently a newspaper columnist wrote about peoples' fears of retirement and how easily people can overcome these fears.

I think that columnists and writers are being too reasonable and intellectual when presenting their ways for people to get rid of their worries and fears about retirement.

Here is part of an e-mail that I received from a gentleman who read my books How to Retire Happy, Wild, and Free and The Joy of Not Working:

(I have withheld his name due to the nature of the e-mail.)

 Retirement Cafe Book


"I have read your books on retirement and I thank you for those.

But I am stuck. I have worked steadily since college. I have achieved the "dream".

"At 52 I have an executive position in a fortune 500 company, make a crazy salary and own my own home outright . . . I am terrified of retiring, I have established no friends outside of work and am not sure I could make new ones.I am terrified of retiring, I have established no friends outside of work and am not sure I could make new ones.
My wife and I have "a couple million" in financial assets but I worry constantly that no one would leave a job like mine in this economy or that we might run out of money.

My wife has nailed your philosophy [presented in How to Retire Happy, Wild, and Free].

She retired at 50, six years ago and has created her own life.

I want to step out of the race and enjoy the best years of my life but I am completely caught up in the daily grind of big business. To the point where I fear I have become addicted to all it entails.

I want out is there any hope? Can I really figure out what to do with these extra 65+ hours a week when I am not working? Can I make friends not related to my business?

Thanks again for you books and philosophy.




As you can see, this guy and his wife own their house outright and have $2 million in his retirement account and he is still has financial fears about retirement as well as non-financial fears. In other words, he has attained his retirement number.

My point is that some people will have fears about retiring regardless of how well newspaper columnists present their reasons why people shouldn't have these fears. I can recall Dr. John Sarno in his book The Mind-Body Connection mentioning that even multi-millionaires have irrational fears of winding up broke and destitute in retirement.


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The Many Fears People Have Before Retiring and in Retirement Itself

These are the most common fears that people have about Retirement:

• Have I saved enough for retirement?

• Will my retirement savings and investments last me until I die?

• Is my pension safe?

• Will I get bored in retirement?

• Will I miss my job and my colleagues?

• Will I still have my health in retirement?

• Will I retire in my life time?

• Will I have to downsize my present comfortable home and live in a cardboard box under a bridge??

• Will my spouse in retirement drive me crazy all day long?

• Am I the only person who is so afraid of retirement that I get physically sick thinking about it?

• How am I going to pay for food, housing, and health costs if I stop working?

• Will I be able to afford to go to my favorite restaurants and take vacations when I retire?

• Will I be able to get retirement jobs of any type once I reach the age of 60 or 65?

 Where Should I Retire?

• Will I lose my sense of freedom and independence if I am forced to spend twice as much time with my spouse as I used to before retirement?

• What am I going to do in those 60+ hours a week that I presently spend at my job?

• Will I be able to make new friends outside of the workplace once I retire?

• Will I run out of retirement income even though I have saved more for retirement than 90 percent of Americans?

• What if I run out of money and can’t go back to work?

• What if I am bored stiff?

#1 Prescription for Overcoming Fears of Retirement? 

I was scared stiff of retirement until

I found the secret to a happy retirement!

Retirement Cafe Book  

Quotes about People's Fears about Retirement

Here are some retirement quotes about fears about Retirement:

Before deciding to take early retirement from your job, stay home a week and watch daytime television.
   Author Unknown

My retirement plan is to find a shopping cart with good snow tires.
— Patty Doyle

I have now the gloomy prospect of retiring from office loaded with serious debts, which will materially affect the tranquility of my retirement.
— Thomas Jefferson

What will I do with myself when I retire? When I quit my job, I do not want to quit living. Can I possibly be of use when retirement day comes, or will I just be taking up space?
— J. A. West

Retirement: Statutory senility.
— Emmett O'Donnell

Preparation for old age should begin not later than one's teens. A life which is empty of purpose until 65 will not suddenly become filled on retirement.
— Arthur E. Morgan

The harder you work, the harder it is to surrender.
— Vince Lombardi

Retirement may be looked upon either as a prolonged holiday or as a rejection, a being thrown on to the scrap-heap.
— Simone de Beauvoir

As to that leisure evening of life, I must say that I do not want it. I can conceive of no contentment of which toil is not to be the immediate parent.
— Anthony Trollope

I'm at the age where food has taken the place of sex in my life. In fact, I've just had a mirror put over my kitchen table.
— Rodney Dangerfield

Never ask old people how they are if you have anything to do that day.
— Joe Restivo

Retired: Just have to do what the voices in my wife's head tell me.
— Writing on a Retirement T-Shirt

Men and women approaching retirement age should be recycled for public service work, and their companies should foot the bill. We can no longer afford to scrap-pile people.
— Maggie Kuhn (1905-1995), U.S. civil rights activist

I have retired, un retired, and retired again all in the past 10 years. I find the biggest trouble with having NOTHING to do is . . . you can't tell when you are done.
— Unknown wise person

Retirement: When you have given so much of yourself to the company that you don't have anything left that the company can use.
— Author Unknown

The trouble with retirement is that you never get a day off.
— Abe Lemons

People who refuse to rest honorably on their laurels when they reach “retirement” age seem very admirable to me.
— Helen Hayes

Never retire. Michelangelo was carving the Rondanini just before he died at eighty-nine. Verdi finished his opera Falstaff at eighty.
— W. Gifford-Jones

We've put more effort into helping folks reach retirement age than into helping them enjoy it.
— Unknown wise person

A perpetual holiday is a good working definition of hell.
— George Bernard Shaw

To retire is the beginning of death.
— Pablo Casals

Retirement takes all the meaning out of weekends.
— Unknown wise person

Sooner or later I'm going to die, but I'm not going to retire.
— Margaret Mead



Are you afraid that you won't be able to maintain a hotdogs-for-dinner standard of living?

Are you afraid that you won't even be able to afford playing bingo like a lot of retirees can no longer afford?

Are you afraid that the only people you will see are the people who bring you meals on wheels?

The way to ensure that you have a happy retirement is to have a copy of The World's Best Retirement Book  by Ernie Zelinski available at your fingertips.

A Life-Changing Retirement Gift for People

Who Fear Retirement 

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This Book Has Sold Over 400,000 Copies

and Has Been Published in 9 Foreign Languages

Get Over Your Fears about Retirement Instantly ! ! !

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