Retirement – The Next Major Life Transition

Transition to retirement
What is your strategy to navigate the transition to retirement?

What are the feelings and thoughts that come to mind when you consider the word ‘RETIREMENT’?

I am finding one of four answers from executive men who are nearing this transition.

  • I have been planning with fitness, travel plans, family plans, hobby plans and can’t wait to retire.
  • I am consumed with reaching my final goals at work and succession planning, so I’ll deal with retirement when I get there.
  • I am not looking forward to retirement, so I plan to die at my desk.
  • I am being coerced to retire before I am ready, and I am very unhappy about it.

No doubt there are other scenarios, but these are those that have been communicated most frequently.

Major Life Transitions

In life, we all traverse many transitions.  Some are small and others are large.  Some are planned, even eagerly anticipated, while others come out of nowhere.

Some of the major transitions in our life are:

  • Leaving home
  • Choosing a career
  • Marriage
  • Children
  • Moving
  • Changing jobs or careers
  • Losing a loved one
  • Retirement
  • Chronic illness

There is a planning process that can be used to prepare for most of these major transitions. Consider the number of life skills training, wedding planning, child preparation, career building, and grief counseling resources that are available.  These transitions can be very difficult, and the help and counsel of wise experts can make the leap much more manageable.

Retirement Wellness Strategies

We exist to help you strategically plan for retirement.  This process will benefit you the most if you start about 2 years prior to retirement. This will minimize the surprises and disappointments that are common with unplanned retirement.

You will have

  • Your personal board certified specialist health advocate to walk through all medical and health encounters
  • A thorough health review to enter retirement with optimal health and stamina
  • Risk identification and minimization based on your personal and family history
  • Planning tools to avoid the unexpected
  • A retirement strategic plan for building a meaningful active next life phase

Contact Dr. Michelle Fritsch today at michelle@retirewellness.comor 410-472-5078.  Learn more at www.retirewellness.com.

BIBLICAL APPLICATION

As we enter this New Year, consider the imposed transition of the calendar.  This is a good time to think about change, new goals, and exciting possibilities.

From way back in the Hebrew text of the Old Testament, we have verses of promise for the future.

Deuteronomy 31:8 ESV

It is the Lord who goes before you. He will be with you; he will not leave you or forsake you. Do not fear or be dismayed.”

Joshua 1:9 ESV

Have I not commanded you? Be strong and courageous. Do not be frightened, and do not be dismayed, for the Lord your God is with you wherever you go.”

Jeremiah 29:11-13 ESV

For I know the plans I have for you, declares the Lord, plans for welfare and not for evil, to give you a future and a hope. Then you will call upon me and come and pray to me, and I will hear you. You will seek me and find me, when you seek me with all your heart.

What about the changing of years brings you hope?

What brings you sadness?

How adaptable are you to change?

I have been accused of creating change on purpose, so I’m definitely in the camp that appreciates and promotes change.  I have many friends who find change very difficult and often unnecessary.  Where are you on this spectrum?

I find great hope in the many verses that explain God’s promises of provision, even during change.

Philippians 4:6-7 ESV

Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God. And the peace of God, which surpasses all understanding, will guard your hearts and your minds in Christ Jesus.

Proverbs 3:5 ESV

Trust in the Lord with all your heart, and do not lean on your own understanding.

Romans 15:13 ESV

May the God of hope fill you with all joy and peace in believing, so that by the power of the Holy Spirit you may abound in hope.

In this change of the year, I pray you will live in great joy and hope in this new year.

Blessings,

Michelle

 

 

Take in-date medications in 2018!

New Year’s Resolution, Remove Expired Medications

Take in-date medications in 2018!
As you start 2018, take the time to dispose of expired medications

The new year is upon us. I hope your 2017 has been full of happy memories and joyous occasions. Now, as we move on to 2018, I have a New Year’s challenge for you. I challenge you to take only in-date medications; remove and properly dispose of expired meds.

WHY worry about the expiration date?

Sometimes we think expiration dates are just there to make us keep buying new medicine. But, in reality, there are TWO big reasons expiration dates are important. Extensive research is done when medications are created to determine for how long they are effective and safe. This date, when either changes, is the expiration date.

Past this date the medicine will not work as well. If you take a medicine to control your blood sugar that is expired, it might not lower your blood sugar as much. If you take an expired medicine for pain, your pain might not go away.

The other risk is a safety risk. Chemicals change over time. Have you ever opened an outdated bottle of aspirin? It smells like vinegar. That is because it changes into new chemicals over time, one of which is vinegar. Other medicines change into chemicals that can be extremely dangerous.

It is not worth the risk.

HOW do I check and dispose of expired meds?

Go through ALL of the medications in your house, cars, purse, etc. Check the expiration date on each one. If it is expired, put it in your discard pile. (But don’t throw it in the trash just yet, there are two more steps).

Next remove all labels that contain information about you or your family. Shred or cut up the label. If you can’t get the label off, scratch out your name and prescription number at least. This is one of many forms of possible identity theft.

Now comes the tricky part. What do you do with all of these medications? There is not an easy answer. In order of ‘best options’, dispose of them in one of these ways:

  1. Take them to a ‘Medication Take-Back’ event sponsored by the Drug Enforcement Agency. Or call the DEA’s Registration Call Center at 1-800-882-9539
  2. Talk with your local pharmacist to see if you pharmacy can dispose of medication. Check this link for participating pharmacies: http://disposemymeds.org/medicine-disposal-locator/ Or, your pharmacist should know who in your community does dispose of medication, if there is a source.
  3. Follow the guidelines in this recently updated FDA directive: https://www.fda.gov/forconsumers/consumerupdates/ucm101653.htm
  4. Dump them out of their bottles and put with kitty litter, coffee grounds, or something else that you can’t eat. Then, seal the container and put it UNMARKED in a garbage bag and out with the garbage.
    1. DO NOT flush the medication or put it down the drain. This leads to it reaching the water supply. This used to be encouraged, and now many medicines/hormones/chemicals have been found in the water supply.
    2. Ultimately, putting them in the trash can lead to them being in the water supply as the trash breaks down and leaches into the ground.
    3. This is why an official ‘take-back’ event is the safest option.

REPLACE the medications you occasionally use

As you are sorting out your expired medicines, keep a list of those you use so you can replace them. If it is a prescription medicine, your can see on the label if there are refills remaining. Note, for non-controlled medicines, there are usually available for up to a year. For controlled medicines, the time might be shorter. If you are beyond that time, and you still need the medicine, call your physician to inquire about another prescription.

As you are replacing medicine, over-the-counter medicine, vitamins, and supplements, know that generic versions are just as good as brand. I purchase generic for my family. They have been carefully tested and regulated by the Food and Drug Administration to assure they contain the same key ingredients and work the same.

This is an important step in your New-Year’s fresh start. It is important for your safety and the safety of your family.

Happy New Year!

For more information about expired medication and proper disposal, contact us at www.medsmash.com/contact, call 410-472-5078, or e-mail michelle@medsmash.com.

BIBLICAL APPLICATION

We are entering a new year. It can be a time to think of fresh starts and hope for the future. It is a great time to reflect on how your life has been changed through your faith.

At the moment we give our life to Christ, we know that our old self is gone. We now live a NEW life in Christ.

Ephesians 4:22-24

To put off your old self, which belongs to your former manner of life and is corrupt through deceitful desires, and to be renewed in the spirit of your minds, and to put on the new self, created after the likeness of God in true righteousness and holiness.

Philippians 3:13-14 ESV

Brothers, I do not consider that I have made it my own. But one thing I do: forgetting what lies behind and straining forward to what lies ahead, I press on toward the goal for the prize of the upward call of God in Christ Jesus.

2 Corinthians 5:17 ESV

Therefore, if anyone is in Christ, he is a new creation. The old has passed away; behold, the new has come.

Philippians 3:13-14 ESV

Brothers, I do not consider that I have made it my own. But one thing I do: forgetting what lies behind and straining forward to what lies ahead, I press on toward the goal for the prize of the upward call of God in Christ Jesus.

Galatians 2:20 ESV

I have been crucified with Christ. It is no longer I who live, but Christ who lives in me. And the life I now live in the flesh I live by faith in the Son of God, who loved me and gave himself for me.

What a refreshing reminder! Bask in the glow of your new life in Christ as you enter this new year.

I challenge you to take a challenge I FINALLY took in 2015 and again in 2017. Read the Bible from cover to cover. I have read my Bible, participated in Bible studies, had several Bible-based lessons, but I had never actually read it start to finish. It has been so enlightening! So many things make more sense. And I hear from those who have done this several times, the insights are new and different each time.

I am praying you will be richly blessed in 2018,

Michelle