Tag Archives: aging

Decluttering, Denial and Retirement

By Claire Posted in Clutter, Debt-Free, downsizing, Retirement, Simpler Living Tagged , , , , ,

(The third of three posts on Decluttering and Denial.)

We were pushing 50 when we were forced into downsizing our lives. Our kids were going out on their own, and while we still had a few years before the younger ones left home, it was clear that we no longer needed our 5-bedroom house. Empty nests don’t need to be that big.

So we discovered the freedom of living small, and we love it. But the act of giving up so many belongings, and moving to a much smaller house (so long, two-story foyer and giant master suite) made perfect sense for a couple heading toward retirement age. That said, accepting that we were that couple was kind of hard. I much preferred to think of the whole exercise as a prudent financial move than something that was appropriate for people our age.

The fact is that most people our age don’t have unlimited funds. Buying ever bigger houses and nicer furniture, and redecorating every few years, is fine for millionaires, but for us normal people, well, we don’t have that kind of money. For those of us who lost livelihoods in the lousy economy of the 2000s, it’s imperative that we live carefully, even frugally, because we don’t have a big, fat retirement account or pension awaiting us. We put everything into our businesses and our families, and now that those are gone, we need to look out for ourselves.

But those who are in denial about the fact that they’re nearing retirement age, and live like they’re still young and amassing houses and possessions, are putting themselves in danger.  It used to be common sense that you paid off your mortgage before retirement so that no matter what happened, you’d always have a roof over your head. Now people are retiring with mortgages, multiple car loans and several credit card accounts nearing their limits. Retiring on a fixed income with that kind of debt load is a recipe for disaster.

Denying what I see in the mirror, that I am getting closer to retirement age, would be an exercise in futility. Time marches on. Those of us who can admit that and make the tough decisions that will minimize future pain (including decluttering and downsizing as well as paying off debt) are doing ourselves a big favor. Those who remain in denial had better have ample retirement funds.

Decluttering, Denial and Aging

By Claire Posted in Clutter, downsizing, Simpler Living Tagged , , , , , ,

(The second of three posts on Decluttering and Denial.)

As you get older, you don’t need so many belongings to survive, or even just to keep yourself entertained (whether you’re entertained by hobbies, redecorating or recreation.) We learned that when we were forced to downsize our lives several years ago. However, I can’t help but notice that many friends and relatives near our age (or older) continue to live in large houses packed full of stuff. I remember how stifling our clutter burden was before we were finally forced to go through it. I can’t imagine how these people my age live with the burden of all their stuff, most of it packed away where they can’t see it, while the mental weight of knowing it will all have to be dealt with someday weighs on their minds.

The most interesting situations are those of people quite a bit older than me. We know some people who actually bought bigger houses in their old age. Now they struggle to take care of those homes, but won’t give them up. Forced to hire cleaning people, they no longer live with dirt, but the burden of all their possessions continues to haunt them. They’ll complain about it, but they won’t do anything about it. If you offer to help them go through it all, they’ll say no (at least, that’s been my experience.)

I suspect they are in denial about the fact that they are in the final years of their lives. Going through possessions, giving meaningful items to loved ones, giving up items that once meant something but now collect dust….such activities are a little too much for them to think about, because they’ll be forced to confront their own mortality.

Most of us don’t like thinking about dying. But to stick your head in the sand and ignore the burden you’ll leave behind, whether you can handle the idea of dying or not, is unfair to the people you’ll leave behind. They’ll have to go through all of your belongings. In many families, this activity brings out the worst in people, because greed seems to rear its ugly head when there’s an estate to be divided.

The people who accept that they won’t live forever, and who downsize willingly while in their 50s, 60s or later, should be praised by their loved ones for not leaving them a mess to go through someday. When you whittle down your belongings to just what you need, downsize your living space to just what you need, and live simply, you make your life easier, and the lives of your future heirs inestimably easier. That is to be applauded in this world of overstuffed attics, basements, garages and storage units!