Retirement is a Dish Best Served Well-Prepared

Well prepared retirement
A well-prepared retirement can be healthy and fulfilling

Retirement will be most successful if you take some time and do some planning.  This is true whether you stop working completely or adjust responsibilities to have more flexibility.

Like every phase of life, big decision, or major transition, planning helps navigate the expected and provide the flexibility to negotiate the unexpected.

What is Retirement Planning?

When you search using terms like ‘retirement planning’ the items listed are almost solely about financial planning.  There are numerous large companies, small companies, and individuals offering assistance in making financial decisions that will enable the retirement you desire.

Financial planning includes amount of funds available, timing of fund use, anticipated monthly budgets, and a diversified portfolio.  (And more I’m sure; this is definitely not my area of expertise).

Succession planning is a key part of preparation to leave or reduce time at your workplace.  You want to be sure what you have worked so hard to build or support will be left in capable hands.

Family care is another element of retirement planning.  You are assuring the house, the car(s), the major purchases are updated and ready for the days of a more ‘fixed’ income.  Legally, this is a good time to assure wills, estates, powers of attorney, and other legal documents are updated.

What ELSE is Retirement Planning?

At Retirement Wellness Strategieswe are focused on your health and wellness as you approach retirement.

‘My doctor already does that,’ you might be saying.  Your doctor is certainly doing some of that.  Your doctor also has a very limited time with you and is frequently using that time to address issues of the moment.  Healthcare in general is mostly reactive.  We want to be proactive!

Retirement Wellness Strategies is

  • PROACTIVE
  • RISK REDUCING
  • As interested in your MENTAL, EMOTIONAL, SPIRITUAL, and SOCIAL health as your PHYSICAL health.

Retirement is a major life transition.  Far too many men in leadership positions are stumbling as they leap the chasm from a very full, rewarding, consuming work life to retirement.

These stumbles are leading to rapid health decline, failed marriages, and suicide.  This DOES NOT need to happen.

Let’s plan these critical elements of your retirement today.

Call us at 410-472-5078, e-mail michelle@retirewellness.com, or learn more at www.retirewellness.com.

BIBLICAL APPLICATION

Part of retirement planning is spiritual health planning.  How much emphasis have you placed here so far?

How are you managing these complex times in our world?  They shouldn’t come as a surprise, but that doesn’t make them easy.  Have you found that deep down peace and joy of Christ? That is a beautiful thing and worthy of sharing!

1 Peter 3:15  NIV

But in your hearts revere Christ as Lord. Always be prepared to give an answer to everyone who asks you to give the reason for the hope that you have. But do this with gentleness and respect,

Matthew 24:44  NLT

You also must be ready all the time, for the Son of Man will come when least expected.

When I think of preparation, nothing excites me or sobers me like preparation for eternity.  I love trying to imagine Heaven, eternity, God’s omniscience.  Do you ever try to wrap your mind around those concepts?  I can’t wait to experience them in person!

In Matthew 24, Jesus gives insights into the times before His return.  There will be a lot of people trying to deceive us.  There will be wars and famine and earthquakes.  I can think of a lot of examples of each of these things right now.

In 2 Timothy 3 there is a description of the difficult times for Christians in the last days.

2 Timothy 3:1-5 NLT

You should know this, Timothy, that in the last days there will be very difficult times.  For people will love only themselves and their money. They will be boastful and proud, scoffing at God, disobedient to their parents, and ungrateful. They will consider nothing sacred.  They will be unloving and unforgiving; they will slander others and have no self-control. They will be cruel and hate what is good. They will betray their friends, be reckless, be puffed up with pride, and love pleasure rather than God. They will act religious, but they will reject the power that could make them godly. Stay away from people like that!

In Jude, who was Jesus’ brother, we learn more about the last times.

Jude 17-21 NLT

But you, my dear friends, must remember what the apostles of our Lord Jesus Christ predicted.  They told you that in the last times there would be scoffers whose purpose in life is to satisfy their ungodly desires.  These people are the ones who are creating divisions among you. They follow their natural instincts because they do not have God’s Spirit in them.

 But you, dear friends, must build each other up in your most holy faith, pray in the power of the Holy Spirit,[a]  and await the mercy of our Lord Jesus Christ, who will bring you eternal life. In this way, you will keep yourselves safe in God’s love.

I read in a devotion recently that we prepare in three ways:

  1. Prepare yourself
  2. Prepare those close to you
  3. Prepare your church and community

How are you preparing for difficult times ahead?  How can we build a more solid network of believers to support each other through these times? Once disaster strikes is not the time to develop a plan.

Blessings,

Michelle

Emergencies and Medications – Are You Prepared?

ready-emergency-supply-list
Remember medications and medical equipment in emergencies.

Hurricane Matthew has wreaked havoc on the Caribbean and now part of the southeastern US. Millions of people evacuated while millions more ‘weathered out’ the storm in shelters and secure buildings. In all of those scenarios, daily life was drastically altered.

When you take chronic medications, they are a part of your daily routine. When that routine is upset, medications can be missed. Or, in the excitement, they can be taken more than once.

In emergencies, you might forget to grab them as you evacuate. Or, the emergency can take place right as you are taking your last dose. Then what?

Preparing for Emergencies

The Federal Emergency Management Agency (FEMA) has a program called Ready. You can find it at www.ready.gov. One of the many valuable resources is a list of items to include in an Emergency Supply Kit. You can get the full list here. The items that I want to emphasize are:

  • Prescription medications – at least 3 days; more depending on the emergency
    • Include inhalers, eye drops, and patches
    • Include the medications you only take when you need them
    • Include any ‘just in case’ medications such as an epinephrine injectable or migraine therapy injectable if one has been prescribed for you
    • Supplies such as syringes for insulin
  • Glasses
    • Take your glasses even if you usually wear contacts
    • Take the supplies for your contacts
    • Take your reading glasses if you just wear those as needed
  • Feminine supplies
  • Urinary incontinence supplies
  • Ambulation devices – such as a cane
  • Sturdy shoes – you might be in a situation where you are not walking on an even surface
  • Hand sanitizer
  • Warm, dry change of clothes and a blanket (in a water proof bag if in wet conditions)
  • Written list of:
    • medications
    • allergies, including what happens if you take that medication or eat that food
    • medical conditions

The available lists provide step-by-step guidance on what and how to prepare for emergencies. There is another good one available through the Centers for Disease Control found here. Note, if you live in an area where natural events such as hurricanes, tornadoes, blizzards, or wildfires are not uncommon, it will help to pack these emergency kits before the danger season. You will save yourself tremendous time and stress.

Prescription Medications

I have one more important fact about your prescriptions and associated medical supplies to share. When the threat of the emergency is known ahead of time, and you are nearly out of medication, make getting your refills a priority. You will not be alone trying to get more medication. Your pharmacist and their staff will appreciate the advanced notice. You will save yourself a lot of time and frustration waiting in long lines to get medication when you need to be doing so many other things to prepare. In the high-risk seasons, be extra vigilant about dwindling medication supplies.

I do want to share that I hear heroic stories of pharmacists, physicians, nurses, and others assuring their patients have what they need in the worst of circumstances. I am grateful for such dedication!

For more information about emergency preparedness, contact us at www.medsmash.com/contact.

BIBLICAL APPLICATION

I have had two songs going through my head this week as I’ve prayed for the people in the path of Hurricane Matthew. One is ‘Eye of the Storm’ by Ryan Stevenson. You can find a link here. The other is a song that is frequently sung by the Maryland State Boychoir, ‘The Storm is Crossing Over’. One of the moms posted this recording.

It’s interesting how often STORMS are found in the Bible. In nature they can be ferocious and devastating. And wow, isn’t the same true of the storms that brew up inside of us?

Remember in Matthew (and in Mark 4) when Jesus was taking a nap in the boat?

Matthew 8:23-27 ESV

And when he got into the boat, his disciples followed him. And behold, there arose a great storm on the sea, so that the boat was being swamped by the waves; but he was asleep. And they went and woke him, saying, “Save us, Lord; we are perishing.” And he said to them, “Why are you afraid, O you of little faith?” Then he rose and rebuked the winds and the sea, and there was a great calm. And the men marveled, saying, “What sort of man is this, that even winds and sea obey him?”

Do you often feel weak and helpless in these storms? There’s no doubt we will face them. Again, you find reference to them all through the Bible. So, how do we prepare for them, survive them, and move on from them?

2 Corinthians 12:9 ESV

But he said to me, “My grace is sufficient for you, for my power is made perfect in weakness.” Therefore I will boast all the more gladly of my weaknesses, so that the power of Christ may rest upon me.

Besides Hurricane Matthew, one of the ‘storms’ weighing heavy on my mind right now is all of the war, turmoil, and conflict in the world. A dear friend is active duty as of this weekend and will be deployed this week. He has a loving wife and young children. And we all know he is not alone in this situation. I am holding in prayer those deployed, those in all layers of leadership, and those on the ‘other side’ who don’t want to be doing this and are caught in an ugly situation.

Psalm 46:10 ESV

“Be still, and know that I am God. I will be exalted among the nations, I will be exalted in the earth!”

Nahum 1:7 ESV

The Lord is good, a stronghold in the day of trouble; he knows those who take refuge in him.

Deuteronomy 31:6 ESV

Be strong and courageous. Do not fear or be in dread of them, for it is the Lord your God who goes with you. He will not leave you or forsake you.”

Praise be to God, our strength in the storm.

Blessings,

Michelle

Image source: http://www.ready.gov