The ‘Slower Go’ Years?

I had coffee with a friend the other day.  She talked about meeting with her financial advisor.  He described retirement in 3 phases: the ‘go go’ years, the ‘slow go’ years and the ‘won’t go’ years.

Here is a great article from Kiplinger magazine that describes these stages in detail. 

The GoGo Years (age 65 to 75) is a decade to focus on family, friends, travel, hobbies and anything else on the bucket list that requires an active lifestyle. The Slower-Go Years (age 76 to 85) will be different. They may still be “go” years, but they will likely be slower-go years in many respects.

The best part of the article is that it makes sense to spend more during the ‘go go years’ (😊) as a return on your time.  It also describes how a return on time benefits your health.

What a Return on Time Means to Your Health

Multiple studies have shown a direct correlation between social activities, friendships and overall health. It should not come as a surprise, but a study cited in a Medical News Today article shows that enjoying close ties with family, friends and other loved ones makes us happier and improves overall life satisfaction.

Our ‘go go’ years passed in a blur.  I was still working and had a cancer diagnosis.  We have had 4 joint replacements between us.  We had our aging dog to care for.  And then as we were about to ‘go go’, the pandemic hit!

As we (sort of) emerge from the pandemic, we have decided we are probably now in our ‘slower go’ years.  We are social, active, and still like to travel, but we don’t always have the energy to be on the ‘go go’ all the time. We are both down with that……..most of the time.

Spending money on travel and events during the Go-Go Years, focusing on less-expensive hobbies and activities during the Slower-Go Years, and simply spending time with those close to us and staying social during the Won’t-Go Years will all serve to generate a return on time during retirement in their own ways.

Craig Kirsner, Investment Advisor, June 13, 2019

And my favorite quote:

“It is better to live rich than to die rich.”

Samuel Johnson



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