20 years and counting

I retired in 2006, almost 19 years ago. I worked on and off for another 8 years for pay but stopped working for pay in 2014, so this is my 11th year in full retirement. It's worth considering that your retirement may last far longer than your job. According to the Bureau of Labor Statistics (BLS), as of January 2020, the average number of years an employee stayed in their role was 4.1 years. Retirement is when you choose what you do with your time and enjoy yourself. Getting yourself ready for retirement and transitioning into that stage of life slowly is crucial so that you can feel in charge and act when the time feels right for you. However, the reality is that you don’t always get to choose when you retire. Many people, like my wife, were sort of pushed into it, and I went along for the ride.

A recent survey out of Australia showed that about 33% of retirees retired by choice. About 28% of retirees had to leave work because of health problems, and 7% had to retire because their partner was dealing with health issues, which was the situation my wife and I faced. Another 11% retired when they got laid off, 4% felt they weren't wanted at work anymore, and another 18% had different reasons for retiring.

So, why does this matter? Well, it means planning for retirement by choice isn't something you should put off. You have to start thinking and planning early, knowing you have a plan but also recognizing that things might not all go according to that plan.

What steps can you take if you’re worried about being forced to retire early? Here are some sensible steps to consider: 

1.     Start saving and investing early in retirement accounts.

2.     Develop multiple income streams for financial security.

3.     Consider healthcare costs and insurance options.

4.     Create a budget and stick to it to manage expenses.

5.     Stay informed about retirement benefits and options from your employer or government.

6.     Continuously reassess your retirement goals and adjust your plan accordingly.

7.     Stay active physically, mentally, and socially for a fulfilling retirement lifestyle.

8.     Plan for unexpected expenses or emergencies with an emergency fund.

9.     Seek professional financial advice to optimize your retirement plan.

10.   Stay flexible and adaptable to changes in your retirement circumstances.

By following these steps, you can better prepare yourself for retirement, whether it comes by choice or necessity, and ensure a more secure and fulfilling future.

The creative process of and gardening 3

 Ultimately, both gardening and creative endeavours are about beauty and expression. They allow individuals to cultivate something meaningful, whether it's a lush garden or a captivating piece of art or writing.

Visual Beauty (Painting): Painters express beauty through visual elements such as colour, composition, and texture. Their art captures scenes, emotions, and abstract concepts, appealing to the viewer's sense of aesthetics.

Emotional Beauty (Writing and Poetry): Writers and poets create beauty through words that evoke emotions, thoughts, and vivid imagery. Their works explore human experiences, dreams, fears, and hopes, touching the reader's heart and mind.

Symbolic Beauty (Gardening): Gardeners cultivate beauty through the arrangement of plants, colours, and structures. Gardens symbolize growth, life cycles, and the harmony of nature, offering a visual and sensory experience of beauty.

Personal Expression: Creatives express their unique perspectives, beliefs, and experiences through their work. Each piece of writing, painting, or gardening reflects the creator's voice and identity.

Universal Themes: While personal expression is vital, creatives also tap into universal themes and emotions. They address love, loss, nature, identity, and social issues, creating connections with diverse audiences.

Impact and Influence: Creative works have the power to inspire, educate, and provoke change. They spark conversations, challenge norms, and contribute to cultural and artistic movements, leaving a lasting impact on society.

By exploring seasonal cycles and the essence of beauty and expression, creatives and gardeners alike deepen their understanding of their craft and its profound impact on individuals and communities.

In summary, the creative process of a writer, poet, or painter shares many parallels with the act of gardening. Both involve:

1. Planting seeds (idea generation)

2. Nurturing and pruning (research and editing)

3. Watering and fertilizing (inspiration and feedback)

4. Harvesting and displaying (publication and exhibition)

5. Caring for the garden (continuous learning and improvement)

By recognizing these parallels, creatives can draw inspiration from the natural world and cultivate their own creative growth.

The creative process of and gardening 2

Both gardening and the creative process have seasonal cycles. There are times of intense activity and productivity, as well as periods of rest and reflection. Seasonal cycles in the creative process and the concept of beauty and expression in creative endeavours add depth to understanding how writers, poets, painters, and gardeners approach their work:

Spring (Inspiration): This phase is like the awakening of ideas, much like plants sprouting in spring. Creatives brainstorm, gather inspiration, and start planning their projects.

Summer (Productivity): Just as summer is a time of growth and abundance in a garden, creatives dive into their work with energy and focus. They write, paint, or create intensely, often producing their best work.

Fall (Harvesting): Fall symbolizes the culmination of efforts. Writers finish drafts, painters complete artworks, and poets refine their verses. It's a time of harvesting the fruits of creative labour. Harvesting and Sharing: When the time comes, creators "harvest" their finished work and share it with the world, much like a gardener shares the fruits of their labour. The final step in gardening is harvesting the fruits of one's labour. Similarly, writers, poets, and painters must share their work with others through publication or exhibition.  Just as a gardener proudly displays their harvest, creators can showcase their work, sharing it with the world and receiving feedback and recognition.

Winter (Rest and Reflection): Similar to how gardens rest in winter, creatives take a break to recharge. They reflect on past work, gather new ideas, and prepare for the next cycle of creativity.

Adaptation to Conditions: Just as a gardener adapts to changing weather conditions and pests, creative individuals must adapt to new trends, technologies, and challenges to stay relevant and innovative. Gardeners adapt to changing weather and environmental conditions, while creatives adapt to feedback, trends, and new ideas in their respective fields.

The creative process of and gardening 1

Gardeners start with seeds or young plants; creatives (in this case, poets, painters and prose writers)  begin with ideas. These ideas can be tiny seeds that grow into full-fledged projects. In gardening, planting seeds represents the initial idea-generation phase. Just as a gardener carefully selects and plants seeds, a writer, poet, or painter must cultivate their ideas, selecting the best concepts to nurture. In both cases, the goal is to create a solid foundation for growth.

Writers, poets, and painters nurture their creations through research, practice, and exploration. This nurturing phase is akin to providing the right soil, water, and sunlight for plants to thrive. As seeds sprout, they require care and attention. Similarly, writers, poets, and painters must research and edit their work to refine their ideas and shape their creative output.

Pruning in gardening involves removing dead or damaged plant material to promote healthy growth. Similarly, editing helps refine the creative work, removing unnecessary elements to strengthen the overall piece.

Like plants taking time to grow and mature, creative works require patience. Just as gardeners remove weeds to ensure healthy plant growth, creatives edit and refine their work to eliminate unnecessary elements and enhance the overall quality. Writers, poets, and painters often go through multiple drafts or iterations before reaching their desired outcome.

Watering and fertilizing provide essential nutrients for plant growth. Similarly, inspiration and feedback from others can nourish a creative project, helping it flourish. Just as plants respond to changes in their environment, creative work can adapt to feedback and inspiration, evolving into something new and unique.