Husband's Upcoming Retirement: How Did You Cope?
LynnNM
4 years ago
last modified: 4 years ago
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Coping with Husband's Death
Comments (18)Coping With Grief “All his [Jacob’s] sons and daughters came to comfort him, but he refused to be comforted. ‘No,’ he said, ‘in mourning will I go down to the grave to my son.’ So his father wept for him.”�"GENESIS 37:35, The Holy Bible�"New International Version. THE patriarch Jacob grieved deeply over the loss of his son. He expected to grieve until the day he died. Like Jacob, you may feel that the pain of losing a loved one is so deep that it will never go away. Does such intense grief necessarily indicate a lack of faith in God? Definitely not! The Bible portrays Jacob as a man of faith. Along with his grandfather Abraham and his father, Isaac, Jacob is commended for his outstanding faith. (Hebrews 11:8, 9, 13) Why, on one occasion, he even wrestled all night with an angel to get a blessing from God! (Genesis 32:24-30) Evidently, Jacob was a deeply spiritual man. What, then, can we learn from Jacob’s grief? Deep feelings of grief and sorrow when a loved one dies are not incompatible with strong faith in God. Grief is the normal and natural response to the loss of someone we love. What Is Grief? Grief can affect us in various ways, but for many the overriding feeling is one of intense emotional pain. Consider the experience of Leonardo, who was 14 years old when his father suddenly died from cardiorespiratory problems. Leonardo will never forget the day his aunt broke the news to him. At first, he refused to believe that it was true. He saw his father’s body at the funeral, but it all seemed strangely unreal. For about six months, Leonardo was unable to cry. Often, he found himself waiting for his father to come home from work. It took about a year before the full impact of the loss sank in. When it did, he felt terribly alone. Ordinary things�"such as coming home to an empty house�"reminded him of his father’s absence. At such times, he often broke down and cried. How he missed his father! As Leonardo’s experience well illustrates, grief can be intense. The good news is that recovery is possible. However, it may take some time. Just as a severe physical wound takes time to heal, so it is with bereavement. Recovering from grief may take months, a few years, or even longer. But the acute pain you feel in the beginning will lessen in time, and life will gradually seem less bleak and meaningless. In the meantime, grief is said to be a necessary part of the healing process and of learning to adapt to the new situation. There is an empty space where before there was a living human. We need to adjust to life without that person. Grief may provide a necessary emotional release. Of course, not everyone grieves in exactly the same way. One thing, though, seems to hold true: Repressing your grief can be harmful mentally, emotionally, and physically. How, then, can you express your grief in healthy ways? The Bible contains some practical advice. Coping With Grief Talking about your feelings can bring a measure of relief Many bereaved ones have found that talking can be a helpful release. Notice, for example, the words of the Bible character Job, who suffered the loss of all ten of his children and endured other tragedies. He said: “My soul certainly feels a loathing toward my life. I will give vent to my concern about myself. I will speak in the bitterness of my soul!” (Job 1:2, 18, 19; 10:1) Notice that Job needed to “give vent” to his concerns. How would he do so? “I will speak,” he explained. Paulo, who lost his mother, says: “One of the things that has helped me is to talk about my mother.” So talking about your feelings to a trusted friend can bring a measure of relief. (Proverbs 17:17) After losing her mother, Yone asked her Christian brothers to visit her more often. “Talking helped to ease the pain,” she recalls. You too may find that putting your feelings into words and sharing them with a sympathetic listener will make it easier to deal with them. Writing can be helpful in expressing grief Writing can also be a helpful release. Some who find it difficult to talk about their feelings may find it easier to express themselves in writing. Following the death of Saul and Jonathan, the faithful man David wrote a deeply mournful song in which he poured out his sorrow. This emotional dirge eventually became part of the Bible book of Second Samuel.�"2 Samuel 1:17-27. Reading about the resurrection hope can be a real source of comfort Crying may also serve as an emotional release. “For everything there is an appointed time, even . . . a time to weep,” says the Bible. (Ecclesiastes 3:1, 4) To be sure, the death of someone we love is “a time to weep.” Tears of grief are nothing to be embarrassed about. The Bible contains many examples of faithful men and women who openly expressed their grief by weeping. (Genesis 23:2; 2 Samuel 1:11, 12) Jesus Christ “gave way to tears” when he neared the tomb of his dear friend Lazarus, who had recently died.�"John 11:33, 35. Working through grief takes patience, for you may feel that you are on an emotional roller coaster. Remember that you do not have to be ashamed of your tears. Many faithful individuals have found that shedding tears of grief is a normal and necessary part of the healing process. Draw Close to God The Bible tells us: “Draw close to God, and he will draw close to you.” (James 4:8) One of the principal ways to draw close to God is through prayer. Do not underestimate its value! The Bible makes this comforting promise: “Jehovah is near to those that are broken at heart; and those who are crushed in spirit he saves.” (Psalm 34:18) It also assures us: “Throw your burden upon Jehovah himself, and he himself will sustain you.” (Psalm 55:22) Think about this. As we noted earlier, many have found it helpful to talk about their feelings with a trusted friend. Would it not be even more helpful to pour out your feelings to the God who promises to comfort our hearts?�"2 Thessalonians 2:16, 17. Paulo, who was mentioned earlier, commented: “When I just couldn’t endure the pain anymore and felt that I could not cope, I would get down on my knees and pray to God. I begged him to help me.” Paulo is convinced that his prayers made a difference. You too may find that in response to your persistent prayers, “the God of all comfort” will give you the courage and the strength to cope.�"2 Corinthians 1:3, 4; Romans 12:12. Here is a link that might be useful: Watchtower: Coping with Grief...See MoreDo/Did you worry about who you are once you retire?
Comments (34)I plan on teaching another 2-3 years, while DH does part-time (sometimes full-time) consulting mostly from home. We work with a "wealth management planner" and always planned on retiring when DH was 60. That time came, we decided we "want" to keep working. I think the key is that it is now a choice, not a requirement. We have met (or exceeded our goals) and tend to be fiscally conservative. We are in our early 60's and are healthy and active, with hobbies and interests outside of work. I have never defined myself by my profession, and had the luxury of working part-time while raising our family. We planned for college, planned on paying off the mortgage, pay cash for cars......yes, we are planners! We live within our means and always have. What scares me, is that like Pal, we both have longevity genes and could live a long time. That was the case with my late father, who spent the last seven years of his life in a wonderful assisted living facility. He had the money, it met his needs and it was the best place for him. That came at a price (about 80K year at the end). He had the money and could afford that lifestyle. How does one plan for THAT? We did not buy long-term care insurance and are now to "old" for it to be affordable. We do not want to be a burden to our children-ever! If we have grandchildren at some point we would like to help with college tuition and "gift away" our assets as allowed by the IRS. In the meantime, we are in a sweet spot and are enjoying life in general. We feel very blessed!...See MoreAt what age did you retire?
Comments (50)I'm not retired yet, but I'm getting close. I anticipate retiring at age 55. We've planned carefully, and we expect things to work out like this: Early retirement years: With our house and cars paid for, my pension will cover the bare-bones of our month-to-month needs. I will have my basic medical paid, and I will be able to cover him (at cost). We will be eleven years too young for Social Security. We intend to work either part-time or seasonally rather than dip into our savings too early. For example, if I substitute teach 8 days a month, I'll have as much money as I make now. We're also interested in "fun work" such as working at the seasonal Renaissance Faire. We have plans for travel and other such things in these years. We are not against using our savings at this point, but we want to do it sparingly /want to see that money continue to grow for later years, when we may need it more for medical issues, and we may see inflation eat into our spending power. Middle retirement years: 67 is full retirement age for both of us, and we're operating on the assumption that we'll begin collecting Social Security at 67. With two Social Security checks, we stop any part-time work in which we've been involved, and we will have more money than we are spending now ... and we won't have withdrawn much from our retirement savings. Later retirement years: Looking at our ages and health, this probably means just me. I'm assuming his Social Security will be gone, and we are assuming that inflation will hurt the value of my pension ... so it may not be enough to cover my basic needs at this point, especially because I may be paying for house cleaning, etc. -- things that I won't need to pay for in early retirement. However, at this point it'll be fine for me to dip into our savings. We have calculated the above general thoughts using real numbers, and we feel confident about financial security in our retirement years. Our biggest concern, of course, is medical needs. Regardless of what was taught, any teacher should use correct spelling, punctuation, and sentence structure. I do agree that anyone who teaches should be able to write well; however -- in my experience -- it's the elementary teachers who come across worst in terms of the written word. All retirement programs that cover governmental employees (at any level of government) are funded by taxpayers. Did you mean something else? False, but not entirely false. I'm a state employee. When I retire, I will have contributed 8-10% of my salary to the state pension fund for 30 years. That money has been invested and has grown. The taxpayers won't be funding my retirement; rather, the state will be returning my own investment to me. HOWEVER, a pension is a defined benefit program, which means I cannot outlive my investment. If I retire at 55 and live only 5 years, the state wins ... they get to keep a bunch of my money. and I'd die unhappy knowing that I couldn't leave that money to my kids. On the other hand, if I live to be 105, my money will run out, and -- yes -- the taxpayers will kick in for my later years. Actuaries work on these numbers, and they predict how long the average employee will live -- and that's how they decide how much to withdraw from our paychecks. On average, people will live just about long enough to "make back" their own contributions plus interest earned. I'm fine on retirement funds and withdrawing 3.8% per year. I'll take SS at age 62 since there's no reason not to and will leave me more disposable income. Well, there is one reason not to take SS at age 62: For every year you take your benefits early (early meaning prior to your full retirement age, which is probably 67), you sacrifice 6% of your benefit. To say it differently, if you could collect $1500 at full retirement age ... and instead you take it five years early (at age 62), your monthly benefit would only be $1050 ... that's a great deal of income to give up for the rest of your life. Obviously, I made several assumptions in that equation, but consider exactly how much that 6% per year would be for you personally....See MoreWhen did you start planning retirement?
Comments (38)I see my post caused a bit of a stir. First, we live in Canada so the benefits of an LLC are not applicable here. In Canada, we can set up a business as a sole proprietorship, partnership, or incorporation. With both sole and partner, the individual(s) personal income and assets are liable if the business goes south. In incorporating, personal is separate from business. Ultimately, incorporating is most beneficial. However, we decided to go for a partnership and for a couple of reasons. One, we don't foresee making oodles of money in our first year. Secondly, we will invest our own money into the business. And because our income and business are interlinked in a partnership, any moneys we use (income and profits) will help lower our tax (that's the general idea). Our plan is to throw all profits right back into the business. Doing this will show we are actually "losing" money and so the amount of taxes we will pay will be lower. Once enough money is made so that we can let go of our 9-to-5 jobs and focus solely on our business, we will then switch from partnership to incorporation. First thing we did when dreaming up this concept was to secure an accountant and have been following his advice....See MoreZalco/bring back Sophie!
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