Retire Jobless Ch8 9

Travel for Fun, Adventure, and More 173
to help.
Virtuoso is a network of 250 independent travel agents who
specialize in arranging luxurious and out-of-the-ordinary getaways
for the moneyed class. The agents are
polled annually about the nature of the
business. One of the questions regularly I have wandered all my life,
asked is, “What was the most unusual and I have traveled; the
active/adventure trip you scheduled for difference between the two
clients?” Following are some of the is this — we wander for
responses that agents gave one year. distraction, but we travel for
These may give you an idea or two for fulfillment.
something unique you would like to — Hilaire Belloc
implement into your next trek.
w California-to-Florida car and driver for client

and caged bird.
w Bear watching in the Arctic Circle.
w Find the home in Shanghai where I was born
fifty-five years ago.
w Arrange an on-the-road New Year’s Eve Party
between San Antonio and Phoenix.
w Arrange for me to work five days at the Mother
Teresa Center for the Dying in Calcutta, India.
w Have me fly upside down in a RAF fighter jet.
w Submarine expedition under the Polar Ice
Pack.
w Transport my loved one’s ashes to the Italian
Alps.
w Two side-by-side suites, please . . . he snores.
w Three days’ snow skiing followed by three days’
private yacht charter.
w Minimum thread-count requirement for hotel
bed linens — no exceptions.
Perhaps these ideas are a little too weird for you. No problem!
According to its website, Virtuoso can also help you arrange the
following: “Toast the season from pewter goblets in Colonial
Williamsburg. Celebrate a Dickens Christmas in London. Catch
‘The Nutcracker’ in Prague. Waltz in the New Year at Vienna’s
Hofburg Palace. Or, throw tradition to the wind and sail off to a
frangipani-scented isle.”
174 How to Retire Happy, Wild, and Free
Become an Ecotourist
In Zen they say, “no matter where you
Perhaps you love nature, enjoy
go, there you are.” Well, here I am in
travel, and want to do your part
Hawaii and I know “where” I am, but I
to preserve the environment.
still don’t know “who” I am. All I know
Then why not combine all
is that I like drinking a lot of beer
wherever I go. three? An eco-friendly,
educational experience may be
what you are looking for and the
ecotourism industry is there to
serve you.
Don’t confuse ecotourism
with nature or adventure
tourism. With nature travel,
most tourist dollars come at the
cost of irreparable damage to
the environment and
diminishing wildlife
populations. For example, the
environment in the Florida Keys
has been viewed by many as a
tropical paradise, but most of the tourist operators are far from
eco-friendly.
Moreover, don’t fall for tourism advertising that paints the
operator as promoting ecotourism, when, in fact, the operator is
trying to be more profitable at your expense. Martha Honey, author
of Ecotourism and Sustainable Development: Who Owns Paradise?
recently wrote in the Boston Globe, “Take, for instance, the
increasingly common practice in hotels of giving guests the option
of not having sheets and towels laundered daily. A sensible step —
but hardly, as was claimed in one press release, one that will save
the planet. What it is does is save the hotel some money.”
Above all, ecotourism stands out due to its ethical values and
principles. Oliver Hillel, tourism program coordinator for the
United Nations Environment Program, declares that true
ecotourism “contributes to conservation of biodiversity, sustains
the well-being of local people, includes a learning experience,
involves responsible action on the part of tourists, requires the
lowest possible consumption of non-renewable resources, and
stresses ownership by the locals.”
You can learn more about ecotourism by visiting
www.ecotourism.org, the site of the International Ecotourism
Society. Some of the other websites offering ecotourism products

include www.worldsurface.com, www.ecoclub.com,
www.transitionsabroad.com, and www.ecotourism.sk.ca.
You Don’t Have to Be Rich to Spend a

Month or Two in a Warmer Climate
As you may already know, my hometown
is not the warmest place on the North The world is a book, and
American continent, especially in winter. those who do not travel, read
For the past two years, to escape only a page.
Edmonton’s winter in January and — Saint Augustine
February, my friend Ron Homenchuk has
spent two months in Mexico. He flies to
Mexico City and takes a six-hour bus trip north to San Miguel de
Allende. He likes the warm climate, cheap accommodation, art
galleries, and relaxed lifestyle.
Note that Ron is not a wealthy person. He is semi-retired at
fifty-nine with no pension and no big nest egg set aside for his
sixties and beyond. He works part-time as a masseur.
Nevertheless, he feels prosperous enough to take an annual winter
vacation.
Incidentally, the AARP (American Association of Retired
Persons) designated San Miguel de Allende as one of the fifteen
best places to retire outside of the United States. This is what the
AARP had to say about San Miguel, which makes it a great place
to visit for a month or two, even if you don’t want to retire there.
Nestled in the hills of north-central Mexico, this proud

city of 80,000 is dominated by its nearly fifty-year-old
school of fine arts and the arty folk who come from
around the world to study, create, and live the Mexican
good life. A year-round contingent of gringos and their
Mexican friends support exhibitions, readings,
concerts, and fiestas throughout the year. The
foreigners have brought English-speaking doctors and
upwardly mobile housing costs, though you can still
find a fixer-upper for $85,000 and a two-bedroom
apartment for $200-$300 a month. The cost of living is
better: A man can get a haircut for $4, and electric bills
are about $20 a month.
Despite not being wealthy, Ron

A traveler to distant places Homenchuk takes an annual winter trek
should make no enemies. to San Miguel because he believes that
travel is one of the best treats on earth
— Nigerian proverb
that we can give ourselves. Ron agrees
that, “Travel stretches the imagination,
opens the mind, and enlivens the spirit.”
Enjoy Yourself in a Myriad of Ways at a

Recreational Vehicle Retirement Resort
Once you are retired, each winter you can take your recreational
vehicle down to Mesa, Arizona, and soak up the Arizona sun while
you enjoy all the amenities of home away from home. Better still,
by taking advantage of all the amenities that Towerpoint RV
Retirement Resort has going for itself, you can pursue current
interests and discover many new ones.
This is what the resort’s website (www.towerpointresort.com)
has to say: “Our activity program, under the direction of our full-
time Activity Director, is designed to encourage personal growth
and better health through mental stimulation, physical exercise,
educational opportunities, spiritual enrichment, and social
interaction.” Indeed, the resort has a ton of activities planned for
its temporary and full-time residents. Moreover, special events are
planned throughout the year to add to your enjoyment of the place.
Here are fifty-one activities you can enjoy at Towerpoint:
Bowling Mixed chorus Men’s softball

Fishing Club Tuesday movies Crafts
Flee market Needlecrafts Square/Compass Club
Garden Club Oil painting Squires
Genealogy Concert band Stained glass
Golf groups Biking Club Pancake breakfast
Darts Ceramics Stitch ‘n chat
Harmonica Band Quilt Club Hiking Club
Horseshoes Tennis Club Games and cards
Exercise room Campers Club Watercolors class
Jam sessions Rosary Water exercises
Ladies’ Ministries Square dancing Woodcarving
Pool & billiards Wood shop Lapidary/Silversmith

Library Sewing for dolls Writing family stories
Shuffleboard Yoga Hydrotherapy pools
Line dancing Singles Club Friday night cabarets
Computer Club Casual swimming Amigos Spanish Club
Why Travel Alone When You Don’t Have

To?
Single? You don’t necessarily have to stay home just because
friends and relatives can’t go with you on a journey that you would
like to make. Of course, one alternative is to go alone. If you feel
lonely and uncomfortable traveling alone, however, there is an
alternative.
Given that there are many other
single retirees who share your He who has traveled alone can
aspirations of enrichment through tell what he likes.
travel, why not find someone compatible — Rwandan proverb
with whom you can share holiday
experiences and expenses? Not only will
you have someone to talk to, you can avoid the expensive “single
supplement” that can almost double the cost of a trip for a single
traveler.
One way to find a travelling companion is to use the Travel
Mates service at SeniorsMatch (www.seniorsmatch.com). All
members are over fifty years of age, with the majority being retired
or soon-to-be-retired professionals.
Another option is the Travel Companion Exchange
(www.whytravelalone.com), an “established travel-matchmaking
organization,” that hooks up like-minded members of the same or
opposite sex. There’s no age limit with this organization.
Swap Your House for a Neat Pad in Some

Faraway Paradise
You may be able to visit faraway places at a cost far less than you
are normally used to paying. Many retirees save hundreds or
thousands of dollars on vacation travel by booking with the Seniors
Vacation and Home Exchange

Certainly, travel is more than (www.seniorshomeexchange.com). This
the seeing of sights; it is a exchange allows you to do a straight
change that goes on, deep and vacation exchange of your home with
permanent, in the ideas of people across North America, and even
living. with people abroad. Alternatively, you
can exchange a hospitality vacation in
— Miriam Beard
which you visit with them and, in
return, they visit with you.
The cost to register as an exchange
member is only $65 in US funds for a three-year listing or $100 for
Lifetime Membership. Better still, AARP members pay only $45 for
a three-year membership.
There are many ways you can benefit from swapping homes
through the Seniors Vacation and Home Exchange. Here are some
of them:
w Boats, caravans, and motor homes may be

exchanged with each other or in any
combination, to provide even more exciting and
adventurous vacations.
w There are no hotel or motel expenses to pay.
w You don’t have to take part in any organized
tours.
w Security is provided at your home by your
exchange partners while you are away.
w Your pets and plants can be taken care of by
your exchange partners.
w You can take longer vacations since cost is not
as much of a concern.
w To eliminate the need for automobile rentals,
cars can be included in an exchange
agreement. In fact, 57 percent of exchanges
include a car. Car exchanges provide an
enormous savings on rental and insurance
expenses.
w You aren’t confined only to your primary
residence. You can exchange second homes
and even motor homes.
w Exchange partners can give you valuable
information about the city’s or country’s local
attractions, shops, and great restaurants not
known to tourists.
w You can take longer vacations because your

exchange partners normally have a lifestyle
similar to yours and not that of people with
jobs or kids. Seventy-one percent of exchanges
were for two weeks or more and 25 percent of
exchanges were for more than one month.
w You can make three or four vacation
exchanges a year.
w Exchange members can take part in travel-
related discussion forums.
You can check out other house-swapping organizations. For a

$29.95 membership fee, the International Home Exchange
Network (www.homexchange.com) will add you to its list of people
worldwide who wish to swap houses for a temporary visit. You can
also contact the Vacation Exchange Club at 1-800-638-3841.
Try a Working Vacation for a More

Satisfying Traveling Experience
Another way to cut down on the expenses of living in another
country is to take a working holiday. Working holidays, or
“volunteer vacations,” as they are sometimes called, provide people
with an interesting avenue for travel and
adventure. Those who have done it feel
that taking a working vacation provides A good holiday is one spent
a more vigorous and satisfying traveling among people whose notions
experience. of time are vaguer than yours.
There are now more than two dozen — J. B. Priestley
organizations that operate hundreds of
working-vacation projects in all corners
of the world. Earthwatch Institute in Maynard, Massachusetts, the
largest provider of what it terms “un-vacations,” today serves more
than 4,000 clients a year, with 720 teams flying into fifty-one
countries and twenty-three states. Its projects range from
collecting medicinal plants in Kenya to measuring glacier melt in
Iceland.
“People are looking for a sense of accomplishment away from
the workplace,” declares Mary Blue Magruder, director of public
affairs at Earthwatch, “and going into a rain forest and helping
researchers discover a new species. These vacations aren’t a

canned experience.”
Locations far removed from luxury are typical destinations for
volunteer travel. Weekends usually are free, and volunteers often
spend the days mingling with the locals and visiting scenic or
historic sites. Regardless of the focus of the programs, most
volunteer vacations allow participants to blend the pleasures of
travel with a higher purpose — either making the world a better
place or learning more about it.
Volunteers normally pay for their own
I have found out that there
transportation to and from the projects.
ain’t no surer way to find out
whether you like people or
The projects can be either humanitarian
hate them than to travel with
and service-oriented projects, such as
them. helping villagers build a church, or
scientific projects, such as studying
— Mark Twain
whales in the Pacific Ocean. Typically,
each program has a project leader or
principal researcher with several support staff.
The projects usually provide accommodations, training, meals,
equipment, and like-minded companions. The tasks can vary from
the very interesting to the boring, depending upon whether
volunteers have to use a computer, a camera, a hammer, a shovel,
or a wheelbarrow.
By living and working with the local people, volunteers gain
unique insights into the culture of fascinating lands. A lifetime of
positive memories can be gained even from a brief three-week
volunteering experience. The rewards that volunteers get include
gaining new insights and a deep appreciation for the people and
the places they visit, not to mention the sense of being engaged in
the world and making a difference. “It’s a way of going on vacation,
living with the locals, and doing some good for people,” states
seventy-one-year-old retiree Cay Wendling, from San Diego,
California, who has gone on several volunteer vacations.
If you are interested in taking a working vacation, here are
some of things that other volunteers have done and may be
available to you:
w Help scientists study the behavior of whales in

the waters of Washington’s Puget Sound or off
the coast of Australia.
w Care for orphans with AIDS in South Africa.
w Help build houses as a carpenter’s assistant
for the disadvantaged in Bolivia or Guatemala.
w Assist a principal investigator on the

Watershed Restoration Project, trying to rectify
the threatened river system on the Cape
Peninsula in South Africa.
w Help native Maoris in the Cook Islands improve
their healthcare system.
w Help build a bridge in Africa.
w Teach English in a village in Costa Rica or
Italy.
w Assist archaeologists excavating ancient
settlements in Russia, the Pacific Spice
Islands, or Easter Island.
w Work in the library at the Nave Institute, a
150-year-old school with an enrollment of
2,550 students, representing some of the
poorest of the poor in the northern India
province of Uttar Pradesh.
w Hunt for sources of water in Mongolia with a
Chinese hydrologist.
w Care for abandoned children in a remote
Romanian hospital.
w Spend a year in Mexico working alongside
Franciscan nuns in a home for elderly women.
w On a working holiday to India, during free time
on weekends, take train rides to see the Taj
Mahal and Agra Fort, as well as other historic
sites.
To be sure, volunteering for these I have, thanks to my travels,

assignments can provide many added to my stock all the
advantages and rewards. These cross- superstitions of other
cultural assignments are opportunities countries. I know them all
to deal with different environments and now, and in any critical
moment of my life, they all
people. They are also a great way to test
rise up in armed legions for or
your commitment and adaptability while
against me.
living in a Third-World environment.
Mr. Scanlan, from Loudon, — Sarah Bernhart
Tennessee, who along with his wife
volunteered on a project to help native
Maoris in the Cook Islands improve their healthcare system,
stated, “The tourists staying at a nearby resort will never know the
Maoris the way we do. We know them by name. We worked
alongside them in their community. We became a part of their life.”
Journey Close to Home and Do the Things

That an Out-of-Town Tourist Might Do
Many people believe that the farther
away from home one travels, the better
Oscar Wilde was right. The sight of
the journey will be. Not necessarily so.
Niagara Falls must be one of the
earliest, if not the keenest, “It is not worthwhile to go around the
disappointments in American world to count the cats in Zanzibar,”
married life. advised Henry David Thoreau.
As an alternative to distant travel,
you can take a journey close to home
and do something interesting that you
have always wanted to do, but never
had time for. You can even journey in
your hometown. Regardless of how
long you have lived there, chances are
there is a beautiful park, interesting
street, fascinating neighborhood, or
historic site that you haven’t seen.
Here are some of the things you can
do in your hometown that a tourist
from out of town might do:
w Spend a night in a boutique hotel.

w Head to a museum.
w Take a day trip to the edge of town.
w Eat out at a different ethnic restaurant every
night for a week.
w Have an expensive latte at the coffee bar.
w Visit people you haven’t visited for a long time.
w Stay over at a friend’s house.
w Go to a spa to get a massage.
w Go downtown with no goal in mind and spend
three to four hours exploring new sights.
Whether it’s a journey to all corners of the world or an

occasional trek closer to home, travel should be somewhere on
your agenda in retirement life. Travel near and far will help you
break the routines of everyday life that can lead to staleness and
boredom. Above all, regardless of how old you are, travel will renew
your sense of excitement about the world and invigorate you at the
same time.
8
Relocate to Where
Retirement Living Is Best
Live Somewhere Else and Do What You

Have Always Wanted to Do
“Go and live somewhere else,” advises John Osborne, a resident of
Victoria, B.C. “Try doing what you think you’ve always wanted to
do.” Osborne, a retired psychology professor from the University of
Alberta, moved to Victoria after he found retirement living left a lot
to be desired in his old hometown of Edmonton, Alberta.
Perhaps, like many retirees, you too yearn for a change of
scenery, new experiences, and a changed set of circumstances.
Moving to a new location within your own country is one way to
satisfy these yearnings. Going abroad is another option. Indeed, as
many as two million American retirees currently live abroad,
according to David Warner, professor of public affairs at the
University of Texas at Austin.
Marketing research shows that 45
percent of American baby boomers plan
to move after retirement. Most, however, He makes his home where the
living is best.
want to stay close to home, perhaps
within fifty miles or less of their former — Latin proverb
homes. Whether retirees want to stay
within their home states, or move to
another one, living around people their age in new developments
that combine the comforts of the suburbs with the benefits of a
resort is important.
One reason retirees move is economic — they can stretch their
retirement income a lot farther. Take, for example, Ron Sadownick
183
and Patricia Robertson. They sold their $250,000 house in

Calgary, Alberta, and used a portion of the proceeds to buy a
$205,000 house in Nanaimo, B.C. Not only did they wind up with
an extra $45,000 in the bank as a contingency fund, they found
that moving to a warmer climate helped them save on living
expenses. “We save money by not having to drive the car much or
heat the house much. Energy prices are cheaper here, and wine is
cheaper, too,” declared Ron.
There are three other main motives
why retirees may move to a new location.
I have just returned from The first is to relocate to a beautiful
Boston. It is the only thing to location and find refuge there. It can be
do if you find yourself there. a place formerly reserved for annual
— Fred Allen vacations somewhere close to the
mountains, beside the ocean, or in a nice
warm climate.
The second motivation is seeking new adventures. Some people
want a place that is more interesting and exciting than their
present location. It can be San Francisco, New York, or some place
in another country such as a nice villa in Italy.
Wanting to be closer to a support structure is the third
motivation. Some retirees may want to move to a new location, not
because they are seeking adventure or a change of scenery, but
because they want to be closer to their children and grandchildren.
It’s important to be realistic about how beneficial the move will
be. People who move to be close to natural beauty may find out the
beauty doesn’t last. It won’t take long before the ocean and
mountains become mundane things to look at. Moving closer to
family doesn’t always meet expectations. Younger family members
may themselves move, leaving retirees alone in the place they were
expecting a support system.
To be sure, to move or not to move is a decision not easily made
by retired people. They must weigh the advantages of new
surroundings and new experiences against the security of familiar
surroundings and limited new experiences. Nevertheless, many
retired individuals like John Osborne relish liberation from old
routines and a chance to reinvent themselves — taking classes,
making new friends, traveling to exotic destinations, and
establishing new roots.
For some retirees, moving far away from home has greater
rewards than staying in their own country. Betsy and John Braden
moved from Atlanta, Georgia, the place where they had retired and
found too boring, to a rented cottage in southwestern France. “I
Relocate to Where Retirement Living Is Best 185
wouldn’t want to be anywhere else. Moving abroad has been

challenging and stimulating, physically, intellectually, and
emotionally, and it came just as I was beginning to feel brain-dead
and on a tiresome treadmill,” stated Betsy, fifty-seven, to an
Associated Press reporter. “It’s been like
returning to university life as one big
adult-education course.” I hate small towns because
once you’ve seen the cannon in
Retiring abroad can make economic
the park there’s nothing to
sense, particularly if you choose a
do.
country with a low cost of living.
Roseanne Knorr, author of The Grown — Lenny Bruce
Up’s Guide to Retiring Abroad, asserts
that American retirees living abroad tend
to spend less. “You’re not keeping up with the Joneses,” observes
Knorr, who divides her time between France and Florida. “You’re
not worried about the latest car. If a couple is living in a small town
in France, they may only need one car, not two.”
Perhaps you have dreamt about taking up refuge in a foreign
land, typically some place where you can experience a gentler
climate and more favorable tax laws. Keep in mind that an offshore
retirement often means seeing children, grandchildren, and friends
a lot less. This is primarily the reason so few people aspire to
retiring abroad. It can be tough to handle, particularly from an
emotional standpoint, and sometimes from a financial one.
If you are thinking of relocating, but don’t know where, the
question that arises is, “What makes a good place to retire?” You
must examine your priorities: What type of climate do you want to
live in? What activities do you like, and are they available in your
list of possible cities or countries to relocate to? Do you care more
about a low cost of living or health care? What about safety? The
following checklist may provide some help.
What to Look For in a New Retirement Location
w The climate is exactly what you are looking for.

w The people are friendly — warm smiles and
hometown hospitality have never gone out of
style.
w Whether it’s the hills, rocky outcrops, thick
forests, breathtaking mountains, pristine
lakes, or raging rivers, the beautiful scenery
beckons you to reside there.
w Regardless of whether you intend to rent or
buy, the housing is affordable.

w There are a variety of housing options to suit
your needs — from a stately house to a smart
new apartment, a townhouse, or a gracious
bungalow with the right-sized garden to look
after.
w Many cultural amenities — such as museums,
theaters, and concerts — are available either
locally or in a nearby city.
w Just out your back door — either a short drive
or a healthy walk from your home — you can
participate in outdoor activities such as skiing,
tennis, golf, fly-fishing, and hiking.
w You can depend on excellent transportation
facilities, including a modern transit
system.
I’m eighty-one now. I would w Neighborhoods are peaceful and the
have been eighty-two, but I crime rate is low.
lived a year in Winnipeg. w A variety of clubs and non-profit
— Red Skelton organizations welcome your
participation and talents. You can
eventually be part of a community of
friends with similar interests.
w You can embrace new challenges at computer
classes, self-development seminars, drama
lessons, and poetry slams.
w The cost of living is affordable.
w The city has a variety of restaurants to fit your
mood and budget. You can dine at Chinese,
Korean, Italian, and Mexican establishments
representing a broad range of prices.
w Whatever your religious affiliation, you can find
a place of worship.
w Quality healthcare is accessible and available
when you need it, including a full service
healthcare facility and top-notch dental care.
w You can do research for your creative pursuits
at a well-equipped and properly staffed library.
w The place is known for its year-round special
events, such as lecture series, brown-bag
luncheons, winter and summer festivals,
fishing derbies, and golf tournaments.
w There are excellent continuing learning
opportunities at local educational institutions.

w The residents are diverse so that you can enjoy
the company of those younger and older than
you.
w Taxes are low.
w Pollution is not a problem — the air and water
are clean.
w The country is known for its political stability.
Above all, get to know the cities and countries you are
considering. Research each place carefully. Books, magazines,
newspaper articles, and websites can be a big help. For example,
AARP’s former magazine, Modern Maturity (now called AARP The
Magazine), recently chose its top fifteen places that Americans
should consider if they want to retire abroad.
If you think you’ve found where
you want to spend your retirement, I am going to leave this one-horse
the best way to check it out town once it’s my turn to ride the
horse.
thoroughly is to take a vacation there
first. Go more than once or twice. Try
to visit the city or country in all
seasons so you can get a sense for
whether you’ll be happy living there
full time.
In your search for Shangri-la, don’t
overlook the possibility that paradise
may be where you are right now. There
is some truth to the words of Henry
Ford: “Everybody wants to be
someplace he ain’t. As soon as he gets
there, he wants to go right back.”
Consider Moving to a College Town

While thousands of retired people are attracted to massive
retirement developments, a growing number are choosing college
towns or small cities. Asheville, North Carolina, is one example.
With its golf courses, first-class medicare, cultural richness, small-
business community, and temperate climate, it actually attracts
retirees who have tried Florida or Arizona first.
Many people enjoy the small-town charm and atmosphere of
Asheville, which is, in fact, a city of 68,000 people. Downtown has

upscale restaurants, shops, coffeehouses, bookstores, galleries,
and boutiques. Many painters, writers, musicians, and artisans
have been drawn here because of the friendly people and climate.
George Rogers, a retired engineer for the U.S. Navy and now a
part-time graphics designer, moved to Asheville with his wife from
the Northern Virginia suburbs of Washington. “It’s a magical
place,” Rogers told a Baltimore Sun reporter. “When we go out,
whether it’s to dinner, or just to hang out, or to a cultural event,
it’s rare that we don’t see someone we know. When we lived in the
D.C. area, I can count on one hand how many times that happened
in twenty years.”
A major attraction for retirees is Asheville’s North Carolina
Center for Creative Retirement, which was started in 1988 just as
Asheville was beginning to attract more retirees. Each semester,
between five and six hundred retired people enroll in thirty
courses. They develop their own
curriculum, and retirees teach the
Though one can dine in New
classes. Today, the program is regarded
York, one could not dwell
there.
as a leader in its field and reporters with
the Washington Post, Wall Street Journal,
— Oscar Wilde and Baltimore Sun regularly contact the
center when writing articles about
retirement.
Asheville has regularly been cited in surveys by magazines such
as Money and Modern Maturity as being one of the best places to
retire in the United States. Approximately 20 percent of Asheville’s
residents are over sixty-five; this contributes to an eclectic mix of
residents from young students to working adults to middle-aged
artists to third-age retirees. “For a city its size, it’s quite
remarkable — the cultural richness, the small-business
community,” boasted Rogers.
Should you have the urge to retire to a college town somewhere
in the United States, you can start by checking AARP’s June 2000
issue of Modern Maturity magazine. The magazine rated the
following places as the best college towns in which to live: Austin,
Texas; Charlottesville, Virginia; Columbia, Missouri; Madison,
Wisconsin; Princeton, New Jersey; Iowa City, Iowa; Bloomington,
Indiana; Las Cruces, New Mexico; State College, Pennsylvania; and
Ann Arbor, Michigan. You can check out the various aspects of the
ratings on AARP’s website (www.aarp.org).
For more information on the best retirement places in the
United States, you can check out two books. Choose a College
Town for Retirement by Joseph Lubow covers sixty-four college

and/or university towns in twenty-nine states. The other book,
Retirement Places Rated by David Savageau, compares more than
200 top retirement areas according to costs of living, housing,
climate, personal safety, services, employment opportunities, and
leisure activities.
The Secret to a Really Wonderful Retired

Lifestyle
In one of their occasional newsletters that they send to keep
friends up to date on their adventures, Bill Myers and Valerie
Ossipoff pronounced, “We believe we’ve
discovered the secret to a really
wonderful retired lifestyle. It is simply to “Home” is any four walls that
live somewhere else. When we come enclose the right person.
home to visit we are wined and dined — Helen Rowland
and treated like visiting royalty. Our
friends are too classy to mention that we
come home every six months or so!”
Originally from the United States mainland, Bill and Valerie
now live on a Standfast 40 sailboat named “Cirrus,” which is
moored in a marina in Hawaii. In their newsletter, they also
humorously divulged, “Life aboard Cirrus continues to go well, we
still like each other, we still don’t sail enough, and we still don’t
have any idea ‘what’s next.’ We stay busy with projects both on and
off the boat.”
Here are some of the things that Bill and Valerie have enjoyed,
or are presently enjoying, in their laid-back retirement in and
around Hawaii:
w They house-sit for their friends, the Goodsills,

whenever they are away.
w Even though they swim regularly, they joined
a gym to work out at least three times a week.
w Valerie sang with the Honolulu Symphony
Chorus.
w They regularly go to the theater, to dance
performances, and to museums.
w They took a basketry class sponsored by the
Honolulu Academy of Arts and taught by Gail
Toma, a nationally recognized fiber artist.

w They bought a one-person inflatable kayak and
now have a ball paddling it around their
Hawaiian marina as well as at their cruising
anchorages.
w In July 2001, they went back to their home on
the mainland to “visit the doctor, dentist,
audiologist, optometrist, dermatologist,
financial advisor, get nails done and have a
massage, visit, have dinner with various
friends, etc.”
w Bill maintains a website to share material
concerning his interests in sailing and celestial
navigation with others.
w While on the mainland, they found time for a
four-day trip to the Sierra. They “stayed in an
inexpensive motel in Mammoth, dined out in
style most nights, and did day hikes back into
the mountains to Red’s Meadow, Mts. Ritter
and Banner, Garnet Lake, Muir Trail. Great
weather, great sights, great time!”
w After leaving the mainland, and before
returning to Hawaii, they visited Alaska for two
weeks.
w They are now back exploring the Hawaiian
Islands, which could take a long time at the
rate they are going.
You can read more about Bill and

Home is the place where, Valerie’s fascinating adventures by
when you have to go there, visiting Bill’s website (www.nav.org). It’s
one of the most interesting personal
They have to take you in.
retirement websites (with great pictures
— Robert Frost from their travels) that I have found. Here
you can peruse their past newsletters to
find many more ideas on how to enjoy
your retirement, particularly if you are considering living the laid-
back island lifestyle. Indeed, Bill and Valerie may inspire you to
buy a sailboat and make it your home.
9
Happiness Doesn’t Care
How You Get There
Retirement Is Not a Time to Sleep,

but a Time to Awaken to the Beauty
of the World around You
No longer forward nor behind
I look in hope or fear;
But, grateful, take the good I find,
The best of now and here.
— John Greenleaf Whittier
Not so long ago American filmmaker Marian Marzynski studied a

Miami Beach retirement community and the way its residents were
growing older. He formed relationships with several retirees and
got to know their dreams, their pleasures, and their struggles. As
the retirees pondered the meaning of their lives, Marzynski
discovered that many held onto the past and some missed their
productive years of work.
He made a few more observations while shooting the PBS
documentary My Retirement Dreams. As would be expected, some
retirees were bored, some were physically active, a few were
expanding their minds, and a lot were
waiting for destiny to show them the
way. All things considered, Marzynski Happiness is not a matter of
concluded that what makes the events; it depends on the
difference between happy retirees and tides of the mind.
unhappy ones has little to do with age or — Alice Meynell
education. Just as significant was his
191
conclusion that a happy retirement has little to do with level of

income.
Marzynski’s conclusions aren’t all that surprising. His
conclusions support the premise of this book that how happy you
will be in retirement will depend on
The gradually declining years whether you are willing to be happy.
are among the sweetest in a Clearly, happiness will elude you as long
man’s life. as you are thinking and doing what’s
wrong for you. And needless to say, it
— Seneca
will come rather easily when you are
thinking and doing what’s right for you.
To be sure, happiness in retirement, as
in all stages of life, doesn’t care how you get there. Not only doesn’t
happiness care how you get there; it doesn’t even care if you get
there at all. And you are sure not to get there if you rely solely on
money, as do so many people in Western society. You are also sure
not to attain true happiness if you wait for destiny or others to
show you the way. If nothing else, satisfaction and inner peace will
be missing.
Howard Salzman, one of the retirees featured in Marzynski’s
documentary, did not wait for destiny or others to show him the
way to satisfaction and inner peace. A New York native, Salzman
moved to Florida in 1955, where he worked for almost forty years
as salesman, buyer, and manager. After he retired, he completed a
degree in philosophy at University of Miami and Florida
International University. Unlike some retirees, Salzman, seventy-
one at the time, applauded the concept of retirement. To him,
retirement has been an adventure — an occasion to celebrate, an
opportunity to let go of the past, and a time to experience more
peace of mind.
When Salzman was asked what had helped him enjoy his
retirement years, he replied, “I never separated retirement from
other events in my life — it just happened. There were very few
shock effects. It simply evolved along the continuum of aging. One
has to stay clear of the stereotypes of growing senility, lest you
fulfill the stereotype. Human creativity makes life a good deal
easier, for it carries with it tolerance and with tolerance comes
compassion.”
“Retirement is a time to make the inner journey,” Salzman
continued, “and come face to face with your flaws, failures,
prejudices, and all the factors that generate thoughts of
unhappiness. Retirement is not a time to sleep, but a time to
awaken to the beauty of the world around you and the joy that
Happiness Doesn’t Care How You Get There 193
comes when you cast out all the I always thought lots of leisure time was
negative elements that cause for losers, but looking retirement straight
confusion and turmoil in your mind in the eye is probably the most
and allow serenity to prevail.” challenging and satisfying thing I have
ever done.
If you are to, as Howard Salzman
says, “awaken to the beauty of the
world around you,” you must put
your life in synch with your deepest
values and beliefs. You must pursue
what you truly want out of
retirement, and not what others
want you to pursue, or what other
retirees are pursuing. This is not an
easy thing to do, particularly in
modern Western society where we
are subject to so many outside
influences.
Erich Fromm in Escape from
Freedom wrote, “Modern man lives
under the illusion that he knows
what he wants, while he actually
wants what he is supposed to want.” Indeed, in today’s consumer
society, advertisers and the media dictate what people are
supposed to want. Many retirees consume this programming
greedily instead of stopping to question what will truly make them
happy. After all, it is much easier to try to fit in with the majority
than to question what the majority is doing and then doing
something different.
How do you fit into this picture if you are already retired?
Probably the hardest thing about living a satisfying and
prosperous retirement is to be true to your own dreams and refrain
from going along with the masses. At the best of times, chasing
after what everyone else is chasing is a zero-results game. To be
like everyone else is to lose your true self.
Following the majority as they look for happiness in all the
wrong places is about as pointless as installing a screen door on a
submarine. Understand that happiness doesn’t care how hard you
worked in your career. Nor does it care whether you wear designer
clothes, or how fancy your car is, or whether you get all of the other
possessions you want. Moreover, happiness doesn’t care how
beautiful, talented, or intelligent you are.
Perhaps by now you are thinking that these are just crazy
assumptions on my part. Be clear that I have not gone mad. On the
contrary, there is much scholarly

The greater part of our
evidence to support these statements.
happiness or misery depends
Research by psychologists indicates
on our dispositions, and not that the things that most people assume
our circumstances. would make life better — money, status,
beauty, or social prominence — over the
— Martha Washington
long run don’t seem to matter all that
much, if at all. For example, one
research paper reported that physical attractiveness has at most a
very marginal effect on how content people are in life. Another
study concluded individuals may be pleased for a month or two
after a big lottery win, but there is no relationship between the
money and ultimate happiness a year later. Still other research has
shown that social standing has no effect on true happiness.
Why waste time, energy, and money chasing after something
you don’t really need and may not even enjoy? Some things are
important, and others are not. Some things appear to be important
because people have been brainwashed by society, educational
institutions, and advertisers to believe that they are important.
Upon close scrutiny, most of these things have no relevance
whatsoever to leading a happy and healthy lifestyle.
Far too few retirees in this world think for themselves. Instead
of allowing their own creativity and inner wisdom to run their lives,
they prefer to pay attention to what others are doing and thinking.
You don’t have to be one of those people. As an active, creatively
thinking human being, you should realize that — contrary to
popular opinion — you always have an alternative to following the
herd. While the herd is moving in one direction, in fact, you can go
in any one of several other directions.
It may appear easier to follow the herd than to think differently
and do things on your own. You will always follow the herd at your
peril, however. The more attention you pay to what the majority is
doing, the more you will realize that the everybody-else-is-doing-it
approach isn’t the way to happiness and peace of mind. While it’s
tempting to join the majority, always remember that you have
meaningful dreams and more important goals to pursue.
The way to wake up and make the best of your retirement is to
regularly question the lifestyle that you are leading. For it to be
your own, you must not wait for destiny to show you the way.
Following are a list of questions you may want to ask yourself at
least once a year to ensure that you keep on track for a happy,
wild, and free retirement:
w Am I in control of my lifestyle?
w Do I make the most of my money to give me
the best quality of life?
w What can I achieve in my retirement that
would make me proud?
w What can I do that is unique?
w Do I have enough great friends in my life?
w Do I devote sufficient time to see my close
friends?
w Do I watch too much TV?
w Does my lifestyle complement my partner’s?
w Do I travel as much as I would like?
w Do my time commitments allow me to make a
contribution to making this world a better
place?
w Do my time commitments allow me to indulge
in creative endeavors?
w Am I developing spiritually as a human being?
w Do I exercise enough, in my own enjoyable
way?
w Do I complain too much?
w Am I as grateful as I should be for what I have
in my life?
w Am I continually learning something new?
w Do I do something special for myself each and
every day?
w Do I take enough time to meditate and keep
my mind in tiptop shape?
w Am I living in the right country or in the right
part of the country?
w What will make me feel better?
w Do I have everything I need to be happy, but
don’t realize it?
Answering these questions honestly

is important because being truly and
fully who you are requires knowing I like living. I have some
what’s important to you, and only you. problems with my life, but
You have to make sure that your life’s living is the best thing they’ve
choices are your own. To quote e. e. come up with so far.
cummings, “To be nobody-but-yourself
— Neil Simon
— in a world which is doing its best,
night and day, to make you like
everybody-else — means to fight the hardest battle any human

being can fight; and never stop fighting.”
If you want to experience fulfillment and satisfaction, one of
your most important retirement goals should be to be you and not
anyone else. When Leonardo da Vinci was asked what his greatest
accomplishment had been in his life, he replied, “Leonardo da
Vinci.” In this regard, Zen masters don’t ask us to be something or
someone we aren’t; instead, they ask us to be more truly and more
fully who we are.
Celebrate Your Eccentricity

and You Will Be Set Free
There’s nothing surer,
The rich get rich and the poor get poorer,
In the meantime, in between time,
Ain’t we got fun.
— Gus Kahn and Raymond B. Egan, Ain’t We Got Fun
Look closely around you. You will see many people with a lot less
money than you. Yet some of these people are much happier than
you. Your thoughts may be: “I am sane; therefore, these people
must be crazy.” Maybe. Maybe not. Perhaps it’s the other way
around.
Indeed, some of the happiest people you will see around you are
labeled as eccentrics, people who others think are crazy, at least to
some degree. So which do you want to be? An unhappy person who
fits in with the crowd? Or a happy, fully functioning individual who
can ignore the crowd and do your own thing?
“Eccentricity is not, as dull people would have us believe, a
form of madness,” declared Dame Edith Sitwell. “It is often a kind
of innocent pride, and the man of genius
and the aristocrat are frequently
We are all born charming, regarded as eccentrics because the
fresh, and spontaneous and genius and the aristocrat are entirely
must be civilized before we unafraid of and uninfluenced by the
are fit to participate in opinions and vagaries of the crowd.”
society. The more you are out of step with
— Judith Martin society, the greater your chances for self-
discovery, adventure, and happiness in
this world. There is no better example to make my point than

busker Ben Kerr of Toronto. He is one of the most intriguing
individuals that I — and thousands of other people — have ever
met. You can often find Ben performing his songs before hundreds
of people either at the St. Lawrence Market or at the corner of
Yonge and Bloor, in Toronto’s busiest business and tourist district.
I first encountered Ben late October 13, 1993, when he called
the John Oakley radio talk show on which I was a guest,
discussing with listeners the joys of being unemployed. After a few
words with Ben, I promised to meet him in person on the corner of
Yonge and Bloor the next day and give him a copy of The Joy of Not
Working. In exchange, Ben agreed to sing his song “I Don’t Want to
Be the Richest Man in the Graveyard.”
Here are some of the things that I have learned about Ben since
I met him that lucky day. Somewhere in
his fifties at the time, Ben retired from
his executive position at the Toronto Freedom is always and
Harbour Commission on March 31, exclusively freedom for the
1981, because he wouldn’t put up with one who thinks differently.
the smoking-allowed policy the company — Rosa Luxemberg
had at that time. Soon after, he ran —
physically — 3,000 miles from Toronto to
Los Angeles to campaign for a no-smoking policy in office
buildings.
Before he left for Los Angeles, Ben wrote and recorded a song
for his crusade. The song was called “Fire on One End (Fool on the
Other).” It was recorded on the Emphysema Label in the CBC
Radio studios in Toronto.
Upon his return home from Los Angeles, Ben pursued his
passion — writing and singing songs. For over twenty years now,
Ben has been a street musician, singing and playing his five-string
guitar (the G string is missing). Toronto’s harsh winter months
haven’t dissuaded Ben from hanging around outdoors to sing
ballads about other people and songs about his own life. He claims
that singing in the fresh, cold air exercises his lungs. Known to
tens of thousands of people in his hometown, Ben is regularly
voted as “best busker” in a survey conducted by Toronto’s Now
Magazine.
Here are some more of Ben’s accomplishments during his
interesting and enjoyable retirement:
w During his round-trip run to Los Angeles, Ben

appeared as a guest on the Richard Simmons
Show where he promoted his no-smoking-in-

the-workplace cause and aerobicized with
Simmons and a number of fit, energetic
women.
w Throughout his singing years, Ben has met
many other international celebrities including
Elizabeth Taylor and Richard Burton.
w Ben has written and sung songs for Mel
Lastman, the mayor of Toronto, and Mike
Harris, the premier of Ontario at the time.
w After Ben wrote a song about Frank Stronach,
the CEO of the giant international
Magna Corporation, Stronach took
Only those who dare, truly
Ben to the racetrack — and signed
live.
him in as a guest in the exclusive
— Ruth P. Freedman clubhouse — to watch one of
Stronach’s prize racehorses
compete.
w For years Ben has promoted his cayenne
pepper cocktail (made with a tablespoon of
cayenne pepper mixed in a glass of carrot
juice), which according to him is better than
Viagra and heals many addictions and
illnesses. He has also written a book on the
benefits of cayenne pepper called The Cayenne
Pepper Cocktail Does It All.
w Ben has become one of the regulars on the
Joey Reynolds Show, an all-night syndicated
radio program based in New York that draws
many other eccentrics, including Kenny
Kramer (the guy who inspired Seinfeld’s
Kramer).
w In 1999, taking advantage of Greyhound’s
$269 Ameripass, Ben spent six weeks traveling
across the United States visiting places such
as St. Pete Beach, Florida; Weed, California;
Las Vegas; and New Orleans. While in Las
Vegas, Ben wrote a song called “There’s
Nobody Sweeter than Cindy from Las Vegas”
and later sang it live on the Joey Reynolds
Show.
w Also in 1999, Ben recorded two songs (“I’m
Hitting It Big in Bakersfield” and “Appreciate
What You Got before You Lose It”) with The

Buckaroos (Buck Owens’ backup band) in
Bakersfield, California.
w Since 1985, every three years Ben has run for
mayor of Toronto. He has never come close to
winning, but he says he will win sooner or
later because he plans to live forever. “The
thing is, I’m going to win eventually,” he
declares.
Ben surmises that if he had decided to stay with the Toronto

Harbour Commission until the traditional retirement age of sixty-
five, he probably wouldn’t be alive today. Yet today, in the words of
Health Perspectives reporter Jerry Gillians, “Ben is as spry a senior
as you will ever meet with energy and enthusiasm abounding.”
When reporters ask Ben his age, he typically replies, “I am
ageless, because age is a state of mind. I’m not too young or too old
to do anything. When you are ageless, you never get sick, tired, or
depressed.”
In June 2002, Ben told me, “When I was a young lad, I used to
look at ‘old’ people, and tell myself,
‘When I get old, I’m not going to be like
that.’ I had a firm resolve in my mind Life is either a daring
back then that I would be happy, adventure or it is nothing.
healthy, and financially independent in — Helen Keller
my golden years. And that’s exactly
what’s happened. Today I can honestly
say that I’m the happiest man in the
world because I can do whatever I want when I want to do it.”
I hope that the story of this intriguing individual and his
illustrious retirement will challenge you to make your retirement a
lot more interesting and enjoyable. Most people go to their graves
regretting things they haven’t done. The easiest way to become one
of them is by joining society’s chorus instead of singing your own
songs. As you can see, Ben dropped out of society’s chorus long
ago to sing his own songs, and he is much happier for it.
No doubt Ben Kerr fits the definition of a “true eccentric.”
Psychologist Dr. David Weeks and writer Jamie James, co-authors
of the book Eccentrics, found that true eccentrics are much happier
than the rest of the population. Moreover, they are healthier and
tend to live much longer.
Contrary to the popular belief that people like Ben Kerr are
crazy, Weeks and James concluded that eccentrics are much more
intelligent than the general population. True eccentrics are highly

creative, curious, idealistic, intelligent, opinionated, and obsessed
with some hobby. These non-conformists give themselves the
freedom to be themselves, a luxury that most people in society
haven’t learned how to enjoy. Eccentricity allows them to pursue
hobbies and lifestyles that are their passions. Freed from the need
to conform, eccentrics aren’t bothered by what others think about
them.
It follows that only those who can be eccentric can truly live.
Thus, celebrate your eccentricity and you will be set free. Your self-
development and movement toward self-actualization will be
wondrous, mysterious, and fascinating.
If Money Can Buy Happiness,

Then Why Aren’t You Selling
Some of Yours?
Mere wealth can’t bring us happiness;
Mere wealth can’t make us glad;
But we’ll always take a chance, I guess,
At being rich, and sad.
— C. C. Colton
Many individuals in Western countries are looking solely to

financial security and a lot of nice possessions to make them
happy in retirement. Although most people don’t know what
exactly they want from life, they are absolutely sure that money in
large amounts will provide it for them. They fool themselves,
however, about how much happier they would be with much more
money. After all, many wise people over the ages have warned us
that money won’t solve our problems. Yet most of us ignore this
wisdom and strive for substantial material wealth regardless of the
required sacrifices.
No doubt fifty hundred-dollar bills
The golden age only comes to can magically create two tickets for
men when they have premium seats to a sold-out Super Bowl
forgotten gold.
game. There is no evidence, however,
— G. K. Chesterton that spectators attending the game in
the stadium are any happier than
individuals at home watching the game on TV. Moreover, there are

millions of retirees who can be extremely happy without having to
watch one minute of any football game, Super Bowl, or otherwise.
It’s important that money and its relationship to happiness be
put in proper perspective. Money is an important element for
comfort and enjoyment
of the finer things in life, I can’t figure out why Perhaps their incredible
but how much money all our friends our ability to delude themselves
retirees need to be happy age are still working about the importance of
is another question. ten years after we both money and their work
Money may eliminate retired and moved to plays a key role.
certain modes of Mexico.
unhappiness but it
certainly won’t guarantee
true happiness — even
for a day. No one agrees
with this more than
University of Illinois
psychologist and
researcher Edward
Diener, who specializes
in what makes people
happy. After conducting
many studies over the
last decade or so, Diener
has concluded that
money can add pleasure
to people’s lives, but it
won’t bring the true happiness that comes with self-respect,
accomplishment, and satisfaction.
Diener’s conclusions are supported by Richard Layard of the
London School of Economics. “Here’s a shocking fact. Despite our
huge increase in affluence, people in the West have grown no
happier in the past fifty years,” declared Layard in 2003. “If people
are asked how happy they are, their replies indicate no increase in
happiness. This is true of Britain, the United States, Europe, and
Japan. Even in the so-called golden age up to the 1970s, there was
no increase.”
“The picture is different in poor countries,” adds Layard, “where
happiness has risen when people have got richer. If you are near
the breadline, absolute income is a matter of life and death. But
things are different in the West. Since the Second World War,
people have become richer. They travel more, they live longer, and
they are healthier. But they are no happier.”

As a matter of course money is an important element for our
survival, but how much money we need to be happy is another
matter altogether. As well as anyone, Benjamin Franklin expressed
the folly in trying to achieve happiness through money. “Money
never made a man happy yet nor will it,” observed Franklin. “There
is nothing in its nature to produce happiness. The more a man
has, the more he wants. Instead of its filling a vacuum, it makes
one.”
Perhaps you have been really broke at some time in your life. I
am not talking about a time when you considered selling the cabin
cruiser or the cottage to help you through a downturn in the
economy as you continued to bask in luxury. I am referring to a
situation when you were so broke that you might not have been
able to think of a word or phrase to describe it. “Hard up” or “short
of funds” just wouldn’t do.
If you have experienced this mode of
being broke, undoubtedly you imagined
A man is rich in proportion to that you would be really happy when you
the number of things he can could elevate yourself to the financial
afford to let alone. position that you enjoy today. Your
— Henry David Thoreau happiness today, however, is probably
far from what you imagined it would be.
Perhaps your happiness hasn’t increased
a bit, despite your wealth having increased considerably. You may
even be unhappier and more miserable now that you have greater
wealth.
Money is important for retirement in that it is a means of
survival, a foundation for comfort, and a tool to accomplish some
of your life’s goals. It can’t guarantee happiness or health or love,
however. And regardless of how much you have set aside, money
cannot buy creative fulfillment.
“If you want to know how rich you really are,” declared William
J. H. Boetcker, “find out what would be left of you tomorrow if you
should lose every dollar you own tonight.” Think about it. This is
the ultimate test of how rich you will be during your retirement
years: How happy can you be and how much fun can you have
regardless of how little money you have?
Luckily, there are many enchanting experiences in this world
that money can’t buy. George Horace Lorimer advised, “It’s good to
have money, and the things money can buy, but it’s good, too, to
check up once in a while and be sure you haven’t lost the things
money can’t buy.” The more you can detach yourself from money
and possessions, the more your life will

be enhanced by the things money can’t Having money is rather like
buy. being a blond. It is more fun
Generally speaking, you can’t buy but not vital.
things you can’t see. Yet some of the — Mary Quant
things that you can’t see are
fundamental to happiness. In this group
you can list peace of mind, love, satisfaction, health, and spiritual
enlightenment. Lots of rich people don’t have these things and,
regardless of how much money they have, they can’t buy them.
Even health can’t be bought. Sure, money can help maintain your
health, and can provide quality healthcare, but once you lose your
health, you can’t buy it back.
If you were to think about it for a while, you would realize that
there are many more personal attributes contributing to happiness
that are beyond the realm of money. Following is a list of thirty-
seven elements of happiness that I challenge you to purchase on
the open market:
Elements of Happiness That Money Can’t Buy
Health Longevity Self-reliance

Personal creativity Real friends Achievement
Satisfaction Loving family Respect of others
Integrity Reputation Peace of mind
Good character Sense of humor Ability to enjoy leisure
Street smarts Patience Gratitude
Compassion Empathy Emotional stability
Greatness Warmth How to handle money
Generosity Humility Appreciation of money
Luck Charm Physical fitness
Self-esteem Time Spiritual fulfillment
Wisdom True love Courage
A good night’s sleep
If these are all elements of happiness, and they can’t be bought,

then it follows that happiness can’t be bought. The question that I
ask people who believe that money is the key to happiness is: “If
money can buy happiness, then why aren’t you selling some of
yours?” Indeed, if money could buy happiness, the happy poor
would be selling it to the unhappy rich of this world.
Granted, a lack of money for basic necessities will leave us

unhappy and dissatisfied about our position in life. This fact
doesn’t mean that having a lot of money will leave us truly happy
and satisfied, however. Money may get us to a neutral state,
somewhere between unhappy and happy, and somewhere between
dissatisfied and satisfied. Generally speaking, more money won’t
get us beyond that neutral state. After we reach the neutral state,
happiness depends on things that money can’t buy.
Fantastic as it sounds, a cool million dollars won’t make the
slightest difference in your life if you have been miserable on a
moderate income. You can live in a sparsely furnished one-room
studio apartment and be surrounded by abundance. Or you can
live in a lavishly furnished $10-million mansion and be operating
out of scarcity. After basic necessities are provided for, abundance
is, above all, a state of mind.
Virtually everyone will agree at some
To be without some of the level that money doesn’t buy happiness,
things you want is an but deep down they haven’t accepted it.
indispensable part of Regardless of how old you are, you will
happiness.
show wisdom well beyond your age when
— Bertrand Russell you truly accept that money can’t buy
contentment and peace of mind.
Ironically, the more that you believe that
money will bring you happiness in retirement, the less money will
do for your happiness.
In a materialistic world, prosperity is invariably associated with
hoards of money and countless possessions. The happy retiree’s
prosperity, however, is prosperity in its original sense. Indeed,
prosperity comes from the Latin word “spes,” which means “hope
and vigor.” To the happy retiree, being truly prosperous means
being positive and happy in the moment, regardless of level of
wealth.
The feeling of prosperity is an emotional state available to you
whenever you want it. It has little to do with your wealth or the
economy. You can experience prosperity-consciousness in a bad
economy, even though many well-off people experience poverty-
consciousness in a booming economy. Clearly, the rich may get
richer and the poor may get poorer; you don’t have to do either to
feel prosperous.
Most successful and happy retirees are so busy indulging
themselves in interesting activities that they don’t focus much time
or energy on the issues of finances. Some may have to live frugal
lives; nevertheless, they experience much more contentment and
peace of mind than many people who

have a lot more money than they do. I have the greatest of riches:
Active retirees learned a long time ago That of not desiring them.
that money is not a guarantee of a happy — Eleonora Duse
and successful life — whether it’s in
one’s working years or in retirement.
Whether people accept it or not — and most people don’t —
ultimately happiness comes from within. A happy retirement starts
with having a great attitude about life in general. In this vein, Dr.
Joyce Brothers observed, “Those who have easy, cheerful attitudes
tend to be happier than those with less pleasant temperaments
regardless of money, ‘making it,’ or success.”
Summing up, if you want to feel rich and happy, just count all
the things you have that money can’t buy. Happiness is priceless.
And priceless things can’t be bought. Never forget this — unless
you experience great delight and happiness from being terribly
deceived. In this case, more power to you. Again, happiness doesn’t
care how you get there.
You Will Overlook the Silver Lining

If You Are Always Expecting Gold
Glad that I live am I;
That the sky is blue;
Glad for the country lanes,
And the fall of dew.
— Lizette W. Reese
For most of us, the ideal life is the life we do not lead. Indeed, it’s
the life someone else leads. In this regard, a French proverb
proclaims, “What you can’t get is just what suits you.”
What makes many of us unhappy, to the point of extreme
misery, is our unreasonable and false beliefs about how happy
others are. We have some strange idea that most people in Western
society are happier than we are. Yet this is far from the truth. As
Joseph Roux reflected, “I look at what I have not and think myself
unhappy; others look at what I have and think me happy.”
It’s all too easy to fall into the trap of thinking that practically
everyone else has a much easier and happier life than you do.
There will always be friends, relatives, neighbors, or celebrities who
own bigger houses, drive flashier cars, wear more expensive
clothes, or have more physically attractive lovers. How happy they

are is another matter. If they are envious of people who have things
that they do not have, they certainly aren’t happy.
One of the most important factors for enjoying life to the fullest
is an absence of envy of others. Someone once said that envy is the
satisfaction and happiness that we think others are experiencing,
but aren’t. Many, perhaps most, people whom we envy aren’t any
happier than we are. Even many of the
rich and famous don’t make good targets
Now is not the time to think for our envy. Singer and actress Barbara
of what you do not have. Streisand warned us, “Oh God, don’t
Think of what you can do with envy me, I have my own pains.”
what there is. To envy the rich and famous is rather
— Ernest Hemingway ill-considered in light of the fact that
many aren’t happy. If you are going to
envy anyone, envy the poor of this world
who are happy. Being happy takes some doing on their part.
Another important point is that experiencing envy has
practically no benefit. Envy is an extremely heavy burden to carry
because it breeds contempt and hate. Someone once said, “Envy is
like acid; it eats away the container that it’s in.”
No matter how hard you try, you can’t be both envious and
happy. Envy and unhappiness go hand in hand. Envy of even one
person is a mistake. What’s the point of admiring someone else’s
fortunes so much that you become dissatisfied with your own?
Comparing your position with that of others can lead to
disillusionment and frustration. You will end up thinking overly
well of others and disliking yourself.
While you are playing the comparison game, why not play it
both ways? Perhaps you would like to live in one of twenty
countries, such as Sierra Leone and Afghanistan, where rampant
poverty, lack of health care, serious malnutrition, constant
violence, and perpetual crime contribute to a life expectancy of less
than forty-eight years. Moreover, about 90 percent of the world’s
working population has no retirement pension, forcing most to
work well into old age.
In this regard, Helen Keller advised us, “Instead of comparing
our lot with that of those who are more fortunate than we are, we
should compare it with the lot of the great majority of our fellow
men. It then appears we are among the privileged.”
The way to overcome envy of others is to relax and count your
blessings more often. At least once a week think about the great
things your country offers that other countries don’t. When you
feel deprived because someone has something you don’t, keep in

mind that billions of people in other countries would gladly trade
places with you.
Gratitude for what you have will do wonders for overcoming
envy and enhancing your well-being. Pay heed to these important
words by an unknown wise person: “You will overlook the silver
lining if you are always expecting gold.” When you regularly take
the time to appreciate the things you have — your health, your
home, your friends, your music collection, your knowledge, and
your creative ability — you won’t have time to be envious of others.
Over the ages the wise people of this world have advised that we
be grateful for what we have. Now there is scientific evidence that
gratitude enhances our well-being. In 2003, researchers at the
Universities of California and Miami reported that people who
consciously remind themselves every day of the things they are
grateful for show marked improvements in mental health and some
aspects of physical health.
The results appear to be equally true for healthy college
students and people with incurable diseases, according to the
researchers, who published their findings in the Journal of
Personality and Social Psychology. Compared with groups of
subjects who counted hassles, such as hard-to-find parking spots,
grateful people felt better about their lives and more optimistic. In
other words, they were happier.
To be happy, you must be grateful for many things in life — and
there are many if you really look. To identify more of the things for
which you should be grateful, borrow an idea from Oprah Winfrey:
Keep a gratitude journal. At the end of every day count your
blessings and write down at
least five wonderful things that I like retirement life. It’s something to do
happened to you that day. when you don’t want to work ever again!
Many people get a great deal
of enjoyment out of life having
very little and many people get
very little enjoyment out of life
having a lot. Your happiness
will be determined, not by how
much you have, but by how
much you enjoy what you have.
It is folly to look at what others
have that you don’t have, and
to think yourself poor. Instead,
look at the things that you have
which many others don’t have, and think

Just think how happy you yourself rich.
would be if you lost Moreover, ten times as many good
everything you have right things happen to you as bad things.
now, and then got it back. Thus, it behooves you to spend ten times
— Unknown wise person as much time ranting and raving about
the wonder of life as you do complaining
about it.
To become aware that you have a lot of great things in your life,
pay attention to the small things instead of the big ones. “Most of
us miss out on life’s big prizes. The Pulitzer. The Nobel. Oscars.
Tonys. Emmys,” stated an unknown wise person. “But we’re all
eligible for life’s small pleasures. A pat on the back. A kiss behind
the ear. A four-pound bass. A full moon. An empty parking space.
A crackling fire. A great meal. A glorious sunset. Hot soup. Cold
beer. Don’t fret about copping life’s grand awards. Enjoy its tiny
delights. There are plenty for all of us.”
Above all, try living by this motto: “Happy to have, but just as
happy not to have. And happy to be, but just as happy not to be.”
There is no better way to retire happy, wild, and free.
Be Happy While You Are Alive

Because You Are a Long Time Dead
Happy the man, and happy he alone,
He who can call today his own;
He who, secure within, can say,
Tomorrow, do thy worst, for I have lived today.
— John Dryden
In the book The Little Prince by Antoine de Saint-Exupéry, the little

prince arrives from a foreign planet to visit the planet Earth. One
of the strange people he encounters is a merchant who tries to sell
him pills that allow people to quench their thirst and feel no need
to drink anything for a week. The little prince asks the merchant
why he is selling these pills. The merchant replies: “Because they
save a tremendous amount of time. Computations have been made
by experts. With these pills, you save fifty-three minutes in every
week.”
The little prince then asks: “And what do I do with those fifty-
three minutes?” The merchant replies, “Anything you like.” The
little prince, in bewilderment, says to himself: “As for me, if I had

fifty-three minutes to spend as I liked, I should walk at my leisure
toward a spring of fresh water.”
This story has a lot to say about how we use our time and
approach life. In Western society, there never seems to be enough
time. In this do-it-all society, many retirees — not only working
people — drive fast, walk fast, dine fast, and talk fast. Time is so
precious that people don’t even have a moment to think about
time. They have become so involved in controlling time that they
have forgotten how to live the moment.
In some cultures, a moment can last the entire afternoon.
Activities have natural starting and ending times not dictated by
the clock. People don’t limit their conversations to fifteen or thirty
minutes. Conversations start when they start, and end when the
end, regardless of the number of
clocks in the immediate vicinity. I am taking early retirement because life is
Sadly, many North too short to waste in traffic and working
Americans haven’t had a truly with people so industrious that they don’t
leisurely conversation with any have a clue about how to be truly happy.
of their relatives, friends, or
neighbors for years. Given that a
research study found that most
couples spend about eighteen
minutes a week in real
conversation, it follows that
most people probably haven’t
had a leisurely conversation
with their spouse for as long as
they can remember. Put another
way, they haven’t experienced
living in the moment with their
spouse for years.
The value of living the
moment isn’t an overly profound concept, yet few of us do it. Most
of us, in fact, walk around awake, but yet asleep, paying little
attention to what is going on around us. Some philosophers go so
far as to say that most of us are unconscious most of the time;
some of us are even unconscious all of the time.
Some people die at forty-five, but they have experienced a heck
of a lot more happiness in those forty-five years than others who
have lived to be ninety or one hundred. The reason is that they
mastered the moment while they were alive. In this regard, a
Scottish proverb advises, “Be happy while you are alive because
you are a long time dead.”

The way to join the conscious and happy minority is to accept
that now — and only now — can you ever experience happiness.
Living in the moment is crucial for living happily because the
present moment is all that you really have. Being in the now means
accepting that you can never experience past or future moments.
In short, this is it! Believe it or not, the now is all that you have
and all that you will ever have. Don’t be discouraged, however. The
now holds the key to freedom, happiness, and peace of mind.
Mastering the moment is important for enjoying leisure, and life
in general. The degree to which you can get totally involved in your
leisure activities will determine the
quality of your life. Unless you can get
If you have one eye on totally involved, you won’t get much
yesterday, and one eye on satisfaction from whatever you are
tomorrow, you’re going to be
doing. This is true whether you are
cockeyed today.
playing chess, talking to a friend, wading
— Unknown wise person through a stream, or watching a sunset.
Learn to spend all your leisure activities
in the now and you will experience
happiness and a sense of peace in this world.
Have you ever been so possessed by energy that it carried you
away from your normal concerns into a state of indescribable
bliss? If you have, you were mastering the moment and
undoubtedly experienced numerous feelings that you normally
don’t experience in everyday life. Howard E. A. Tinsley and Diane
J. Tinsley, professors of psychology at Southern Illinois University,
concluded that individuals experiencing leisure activities to the
fullest experience:
w A feeling of freedom
w Total absorption in the activity at hand
w Lack of focus on self
w Enhanced perception of objects and events
w Little awareness of the passage of time
w Increased sensitivity to body sensations
w Increased sensitivity to emotions
To be fully present, give any activity that you normally look at

as a means to an end your fullest attention, so that the activity
becomes an end in itself. For example, when you have a shower,
pay close attention to the sound and feel of the water, as well as
the scent of the soap. Moreover, truly feel the sensations in your
body as the water connects with it as one. When you experience

bliss and peace of mind, you are truly experiencing the shower.
Doing one thing at a time, instead of two or three, is crucial for
mastering the moment. Doing something physically and thinking
about something else at the same time are contradictory. You
aren’t fully taking part in the activity if you are thinking about
something else. Key to mastering the moment is sticking with an
activity, instead of quitting halfway through. Any activity or task
should be worthy of your total attention, and of completion, if it is
worth doing at all.
You can transcend time by doing your own thing at your own
speed. Again, forget about what the masses are doing. Even if
practically everyone else seems to increase the pace of life every
day, you don’t have to try to keep up. Take control of your physical
and psychic space instead of allowing the distractions of the
modern world to influence your lifestyle.
To make your days longer, don’t rush; slow down instead. In a
somewhat magical way, you will have more time when you start
living every moment for all it is worth. Once you slow down, you
will no longer fight time; you will master it. Full involvement and
appreciation of any activity, whether it is
writing your first novel, walking in the
park, talking to your neighbor, or taking If you are not happy here and
a shower, will make the whole world slow now, you never will be.
down for you.
—Taisen Deshimaru
The next time you think that you
don’t have time to enjoy a sunset, think
about it a little more. You will realize that the most important time
to enjoy a sunset is when you don’t have time for it. Taking ten
minutes to watch the sun go down will do more to help you catch
up with the world than rushing around for several hours.
Life is short. To make it last a little longer, slow down and let it
catch up with you once in a while. A day in which you haven’t
laughed with the world and loved it for what it is makes for a day
in which you haven’t truly lived.
Without any doubt in my mind, the best book available to help
you live the moment is Eckhart Tolle’s The Power of Now. The book
is tremendously well written and powerful in its message. Buy this
book and you won’t be disappointed. It has the power to change
your life.
Living in the moment relaxes us and lowers our stress levels.
Spend more time in the present and you will have fewer problems
and fewer worries. Indeed, spend all your time in the present and
you will have no problems and no worries. No doubt this is hard to

do and few people ever get to this level. If you are able to do this,
however, you will become one of the truly enlightened individuals
in this world, experiencing perpetual peace of mind and happiness
that others experience sporadically, if at all.
Retirement, more than any other time in your life, is an
opportunity to enjoy the moment for all it
is worth. In fact, only by living in the
As you walk and eat and moment can you make retirement the
travel, be where you are. best years of your life. The thing to
Otherwise you will miss most remember is that happiness has no past
of your life. and no future. It is what it is right now.
— Buddha Experience it while you can. Happiness
not enjoyed today can’t be saved for the
future. It is lost forever.
It’s Better to Live Rich than to Die Rich

Here lies a miser who cared for himself,
Who cared for nothing but gathering wealth.
Now where he is and how he fares,
Nobody knows and nobody cares.
— Anonymous gravestone in Lemmington, England
In a letter written on April 23, 1754, to Madame du Deffsand, the

French philosopher and author Voltaire stated: “I advise you to go
on living solely to enrage those who are paying your annuities. It is
the only pleasure I have left.” Hopefully, you won’t end up like
Voltaire, living for the sole purpose of trying to extract as much
money from your annuities as possible before you die, and not
experiencing enjoyment out of anything else.
A better strategy is to live to enjoy all your money before you
die. This section is especially dedicated to retirees who have a lot
of assets and a healthy ongoing income, but don’t know how to
enjoy their money. You don’t have to be financially well-off,
however, to benefit from this section.
During the first century A.D., Roman philosopher Seneca
remarked, “We are always complaining that our days are few, and
acting as though there would be no end of them.” That being the
case, things haven’t changed much since Seneca’s time. People
today realize that life is short, but some people act as though they
are going to live forever. This is especially true with regards to how
they hoard money instead of spending it.

All things considered, it’s better, in the words of Henry David
Thoreau, to live rich than to die rich. Several other wise people
have warned us about the folly of not enjoying our money. “To die
rich,” stated spiritual teacher Jiddu Krishnamurti, “is to have lived
in vain.” Errol Flynn declared, “Any man who has $10,000 left
when he dies is a failure.” And Thomas Fuller pronounced, “He is
not fit for riches who is afraid to use them.”
For some strange reason, many retirees don’t like to see their
net worth decline, even when they have less than ten years to live,
and ten times as much money as they need to live in style for their
remaining years. The fact is, most people who are well-off when
they retire never even come close to running out of money before
they check out for good. Given that most aspects of a happy, wild,
and free retirement can’t be bought, there is no rational reason for
retirees to have their net worth increase.
Riches are to be used and not to be hoarded. After all, what is
the ultimate purpose of money, but to spend it? Some people will
point out that another purpose for money is to invest it. You invest
so that you have more to spend later. Saving for retirement is
prudent. When you are retired already, however, and have a good
retirement income guaranteed for the rest of your life, saving a
good portion of it so that your assets keep increasing, while
sacrificing your enjoyment of life, is no way for a prosperous
person to live.
It’s a tired cliché, but “you can’t take
it with you.” Sure, it would be nice to be
Money is only useful when you
able to respond, “If I can’t take it with
get rid of it. It is like the odd
me, I’m not going.” The fact is, you are
card in Old Maid; the player
going to die sooner or later. And it could who is finally with it has lost.
be a lot sooner than you think, as it was
— Evelyn Waugh
for my friend Gabriel Allard, whom I
talked about in chapter 1. What’s the
point of being wealthy if your life runs out
long before your money does?
Wealth is having money; prosperity is enjoying it. Sadly,
wealthy people can actually be worse off than poor people. Due to
their poverty consciousness — a disease of sorts — some of the
rich continue to live as if they were poor.
At the extreme, I can give no better example than seventy-nine-
year-old Gordon Elwood from Oregon. He was known to drink
outdated milk, live in an unheated house, use a bungee cord to
hold up his secondhand pants, and eat free holiday meals at the
Salvation Army. Upon his recent death, it was learned that through
self-denial and a shrewd understanding of investments he
amassed a fortune of $9 million. At least there is a good side to this
story: Elwood left all his fortune to social agencies, including the
Salvation Army, which he had so loyally patronized.
As odd as it may seem, some people actually find making
money easier than spending it. Spending it is a chore that makes
them extremely uncomfortable. Giving his thoughts about
hoarding money, sixteenth-century French writer Michel de
Montaigne stated, “Once you have decided to keep a certain pile, it
is no longer yours, for you can’t spend it.”
Clearly, financial satisfaction is more important than financial
immortality. Financial longevity is important until the day you die;
after that it’s useless. You may want to argue that you have to
leave money for your adult
Buying this new Porsche in my later years has children. This is hogwash.
proven that I can only be young once, but I can Your adult children can take
be immature forever.
care of themselves. Don’t you
have any faith in their creative
ability to make a living and
fend for themselves?
Unfortunately, many
people put together great
fortunes but never get around
to enjoying any of their money
in their retirement years. Their
children may not want an
inheritance and yet these
retirees insist on living like
paupers so that they can leave as much money as possible for their
estate. This is nothing short of insanity.
There is some good news in this regard, however, and it comes
from Britain. Many of the new generation of British retirees aren’t
too keen on leaving their children or grandchildren any inheritance
money according to a 2002 survey conducted by the insurance
company Eagle Star. Indeed, almost three-quarters of retirees
would rather spend all their savings on having a good time than
setting it aside for their children’s inheritance.
“While in the past retirees felt a responsibility to live sensibly,”
points out Phil Ost of Eagle Star, “this research shows the new
breed of over-fifties is really relishing the opportunities and
rewards retirement brings. They have planned and saved for these
years, so spending savings that could otherwise be put toward an
inheritance for their children seems to be a sound way in which to

fund these lifestyles.”
The new, happy-go-lucky British retirees use their savings to
shop, socialize, and travel. Virginia Johnson, a retired child-and-
family-court adviser, announced, “I spent my youth bringing up
four children and now I would like to do the sort of things I thought
I would do when I was a teenager, before things took a different
path.”
Johnson, a resident of Derby who recently trekked across
Malaysia and Crete, is planning to spend the £100,000 equity in
her Midlands cottage on herself. “I consider myself still young at
fifty-five,” Johnson told a reporter with The Observer, “and
envisage travelling and enjoying myself to the full until I’m well into
my eighties. I have some ideas about my pension but I’m thinking
first and foremost about this next stage in my life.”
Not only does Johnson like to travel, she socializes at least
three times a week. “I don’t think my children want me to leave my
money to them,” Johnson concluded. “I have worked hard to help
them create their own independent, successful lives and now they
are happy and settled, I want to enjoy
myself.”
Like this new segment of British A good folly is worth
retirees, you shouldn’t be frugal in an whatever you pay for it.
attempt to leave money for your adult — George Ade
children to enjoy after you die. Indeed, if
you have been retired for some time and
are not enjoying your money, you should start taking every
opportunity to spend the kids’ and grandchildren’s inheritance
before it’s too late! As financial writer Sandra Block advises,
“Leaving a lot of money to your heirs doesn’t guarantee tears at
your funeral.”
Perhaps you have just retired, or are about to in the near
future. As a celebration of your retirement, why not start it off by
doing something special that you have longed to do for years? This
can be anything from living in Greece for six months to taking
yourself and all your grandchildren to Disneyland for a week or
two.
If you are the type of person who doesn’t enjoy enduring the
good things in life, then give me a call. Like the great con artists of
this world, I can make myself available to help liberate some of
your money, and show you how to enjoy it. No amount will be too
onerous for me. You can be assured that I will enjoy it and you can
come along for the ride to see how it’s done. High on my list of
pleasures is a trip to Europe with a stop in Monte Carlo to dine at

one of the world’s most expensive restaurants where the average
tab is $3,500 per person.
Given that you have worked many years to create an
independent income, it follows that you should be doing everything
possible to spend most of it. Spending most of it serves the purpose
of reminding you why you were engaged in wealth-building during
your working life — so that you could enjoy your money when you
are retired. The key is to not outlive your money, and at the same
time, to not have your money outlive you. To be sure, it’s difficult
to time it so that you achieve both.
Psychologically, the answer is to plan
as if you are going to live to be 120 years
It is impossible to overdo old and live as if today could be your last
luxury. day. Financially, this becomes a little
— French proverb more difficult. The answer is to have a
good balance between how much money
you are spending and enjoying today,
and what you have in reserve to carry you through to the end.
As a matter of course your ultimate financial goal should be to
spend your last cent just before you die. As Stephen Pollan, author
of Die Broke, points out, the ideal is to have your last check, which
is written to the undertaker, bounce. If you can time this perfectly,
more power to you. In this case, your will should state: “Surprise!
Having been of sound mind, I spent all my money while I was still
alive.”
There may even be a better way: Whether true or not, I once
heard a story about a man who died with a lot of debts to his name.
In his will he designated his six largest creditors as his preferred
pallbearers. “If they have carried me this far,” he wrote, “they can
carry me all the way.”
Helping Others Can Make Life

More Worthwhile and You Happier
than You Have Ever Been
The most deep-rooted of all human needs is the need to live for
something more important than mere survival. We all want to
make a difference, to leave a mark on this world that is still here
when we are no longer here. For some retirees, volunteering to
serve those less fortunate than they are is the one single thing that
gives their lives purpose. Making the world a better place to live
helps them earn self-respect and the respect of others.
Volunteering is often viewed as serious leisure by many
retirees. It provides work-like activities that require goal-setting,
discipline, responsibility, and teamwork. Above all, volunteering
makes retirees feel needed and productive. On the other hand,
certain retirees refuse to volunteer because they don’t feel good
working at something for which they receive no pay. Unfortunately,
these mercenaries don’t see the great benefits that come from
volunteering.
Ex-president Jimmy Carter, who was quoted earlier, is
arguably the most famous volunteer in America. Carter had this to
say about volunteerism and the art of giving to others: “It’s not
something that’s special for former presidents; it’s the kind of
chances or opportunities that are available to every person in
America. There are hundreds or maybe thousands of opportunities
that we have to expand our lives and to do something that might
benefit other people, but in the long term we get more benefit from
it than the people we’re trying to help.”
Thousands of groups across the United States offer community
service opportunities for people aged fifty
and over with diverse backgrounds,
skills, and interests. For individuals who No one is useless in this world
are new to volunteering or are seeking who lightens the burdens of
new opportunities, VolunteerMatch, the another.
Web’s largest database of volunteer — Charles Dickens
opportunities, is a good place to start.
Volunteers enter their ZIP code on the
www.volunteermatch.org website to find local opportunities posted
by nonprofit and tax-exempt organizations.
By helping others, you too can make life more worthwhile and
yourself happier than you have ever been. Just as work did before
you retired, volunteering can take your mind off life’s little
annoying problems. You won’t have as much time to focus on those
everyday aggravations that creep into our lives if we let them. A
recent research study indicated that retirees who volunteer live
happier and longer than retirees who don’t volunteer. Volunteering
retirees have less stress, are healthier, and reap physiological
benefits from regularly giving of themselves to others.
In another study, researchers at the University of Michigan
found that seniors who performed volunteer work had a 67 percent
lower risk of dying over a seven-year period than those who did no
such work. Marc Musick, a research fellow at the university’s
Institute for Social Research, said, “We are social animals and if
you think of volunteering as a type of social interaction, it can
make a big difference for older people.”
Indeed, volunteering offers many retirees the opportunity to do
something creative and out of the ordinary. They have the
opportunity to get out of the house and rub shoulders with a wide
range of people. Volunteers can shop around for activities that
complement their skills and there is usually training available for
those who want to try something new.
What acts of commitment and contribution would you like to
engage in that will add value not only to your own life but to the
lives of those around you? You don’t need to make a big difference
on a global level. You can make a big difference through a
commitment to help others in your community, volunteering for a
charitable organization or even on a one-to-one basis.
The best choice of a volunteering assignment is one in which
you learn new knowledge and skills while you are helping others.
You not only give to others but you get
something invaluable in return. The
It is only in the giving of
oneself to others that we
more you give, the more you will receive.
truly live.
Givers are the greatest beneficiaries
according to Claus Wedekind, one of the
— Ethel Percy Andrus
researchers in the Department of Biology
at Bern University. The benefit is not a
direct, reciprocal one, but generous people win out over the long
term. This is due to the fact that giving is a trait that confers
respect and status within society. Helping someone has an impact
on an individual’s image within a community. By being regarded
more favorably by others, the generous are in a better position to
survive and be happy in society.
Indeed, most retirees profess that their volunteering experience
gives them much more than they put in. “Everything I need to
know in life, I’ve learned from an Ottawa soup kitchen. I’ve only
brought to it my time and energy and whatever personality traits I
possess,” declared Douglas Cornish of Ottawa. He has volunteered
at the soup kitchen every Saturday for over ten years. “It’s changed
me and made me a little better,” wrote Cornish in his Globe and
Mail article “Lessons Learned in a Soup Kitchen.”
Cornish mentioned that working in the Ottawa soup kitchen
had accentuated five of his personal qualities — patience,
persistence, compassion, understanding, and friendship.
“Collectively these qualities might be called ‘character’ ” is how he
put it. In the world outside the soup kitchen, these five qualities
always provide Cornish “with a very good

rate of exchange.” The miracle is not that we do
In short, helping others while this work, but that we are
volunteering for a charity creates happy to do it.
feelings of achievement, responsibility, — Mother Teresa
growth, and recognition. The result is
satisfaction and happiness that no
amount of money can ever buy. American comedian and civil rights
activist Dick Gregory agreed when he reflected about his life, “One
of the things I keep learning is that the secret of being happy is
doing things for other people.”
Forget How Old You Are — This Becomes

More Important the Older You Get
Age, many of you retirees, soon-to-be retirees, and wannabe
retirees will be happy to hear, is not all it’s made out to be. It’s how
you look at it. As a matter of course retirement is often associated
with old age, even though it shouldn’t be. The fact is, however, if
you are retired long enough, sooner or later some people will think
of you as an older person. Whether you perceive yourself as having
entered old age will depend upon your attitude more than anything
else.
“He who is of a calm and happy nature will hardly feel the
pressure of age,” Plato told us, “but to him who is of an opposite
disposition youth and age are equally a burden.” After all these
years, experts are still trying to prove Plato right. In a study
reported in the August 2002 issue of the Journal of Personality and
Social Psychology, researchers claim that elderly people can
actually think themselves into the grave a lot faster than they
would prefer. Indeed, people with negative views about aging
shorten their lives by 7.6 years as compared to their counterparts
who have a more positive view of life.
Surprisingly, a positive view about aging can have a greater
effect than good physical health. The researchers, led by
psychologist Becca Levy of Yale University, reported, “The effect of
more positive self-perceptions of aging on survival is greater than
the physiological measures of low systolic blood pressure and
cholesterol, each of which is associated with a longer lifespan of
four years or less.”
“Our study carries two messages,” concluded the researchers.
“The discouraging one is that negative self-perceptions can

diminish life expectancy. The encouraging one is that positive self-
perceptions can prolong life expectancy.”
The lesson here is that you shouldn’t waste too much time and
energy worrying about getting older. “Never think oldish thoughts,”
advised James A. Farley. “It’s oldish thoughts that make a person
old.”
Talk to active elderly people with a joie de vivre, such as Ben
Kerr mentioned earlier in this chapter, and you will learn that they
are young at heart and don’t perceive of themselves as old. Sure,
they realize that they are physically limited to some degree, but
psychologically they don’t see age having much to do with their
true selves. This applies whether they are in their sixties or
nineties.
To be sure, many upbeat retirees usually feel extremely
uncomfortable when in the presence of people their age, primarily
because the majority of people their age think and act old. Simply
put, active and happy elderly people don’t want to waste their
retirement years listening to people their age complain about the
problems of being old.
“There is a fountain of youth,” declared Sophia Loren. “It is your
mind, your talents, the creativity you bring to your life, and the
lives of the people you love. When you learn to tap this source, you
will have truly defeated age.”
By virtue of their positive thinking,
many happy and active seniors have
I just learned that our expanded the concept of middle age
new neighbor Mr. Give me a
little time.
into the seventh decade. Take, for
Klipson makes love to
his wife twice a day. I haven’t example, Robert Allen of Vacaville,
With Viagra, you could even met California. Although he is officially
do the same. her yet! seventy-five years old, he told a
Vacaville newspaper reporter that he
has a difficult time thinking of himself
as a senior citizen.
Consider what and how much
Allen has done at his age and you will
see why he is young at heart. Robert is
a founding member of the Vacaville
Museum Board of Directors, where he
cultivates a collection of native plants
and teaches local school groups. He
has also worked for the restoration of
Pena Adobe Park and the development
of the Vacaville Cultural Arts Center. Recently, he designed the

panels for the kiosks in the new downtown Creekwalk. In 2001, he
worked on the tedious task of organizing archive collections of old
photographic negatives for the Vacaville Heritage Council.
To keep his musical side in tune, Robert regularly sings in the
West Valley Chorale made up of singers from his hometown
Vacaville and nearby towns of Dixon and Davis. Robert told the
Vacaville newspaper reporter that he stays young by following the
advice of his ninety-seven-year-old mother, Dorothy Allen: “To
grow old, you have to be willing to take chances.”
Robert Allen is not unusual in his approach to staying middle-
aged for four decades or more. According to a 2002 study by The
National Council on the Aging (NCOA), in
this day and age one-third of Americans
in their seventies consider themselves Age only matters when one is
middle-aged. Among respondents age aging. Now that I have
sixty-five to sixty-nine, nearly half (45 arrived at a great age, I
percent) said they considered themselves might just as well be twenty.
middle-aged. — Pablo Picasso
Thinking young can help you to stay
busily and happily involved in your later
years. “The most successful old-old people are those who have an
important connection, a hobby, or something that gives them a
zest for life,” remarks Kevan H. Namazi, gerontologist at University
of Texas’s Southwestern Medical Center in Dallas. Being
productive well into your later years will enhance your self-esteem
and contribute to intellectual stimulation and social interaction.
Moreover, you will enrich the lives of others while enriching your
own at the same time.
Here are a few examples of individuals who kept themselves
active and creatively alive in their later years:
w Martin Miller of Indiana at ninety-seven was

working full time lobbying for the rights of
senior citizens.
w Mary Baker Eddy was eighty-seven when she
followed her personal mission — creating a
new newspaper with a religious influence. She
called it the Christian Science Monitor.
w Somerset Maugham wrote his last book at
eighty-four.
w Giuseppe Verdi was still composing operas in
his eighties.
w George Bernard Shaw was writing plays in his

nineties. At ninety-three, Shaw wrote
Farfetched Fables.
w Architect Frank Lloyd Wright, a pioneer in the
modern style and considered one of the
greatest figures in twentieth-century
architecture, was eighty-nine when he
designed his last building.
w How about Leopold Stokowski? Stokowski
founded the American Symphony Orchestra at
eighty and recorded twenty albums in his
nineties. At the age of ninety-six, Stokowski —
an eternal optimist no doubt — signed a six-
year recording contract.
These people appear to be somewhat

You’re never too old to remarkable, and in a way they are. They
become younger. are not unusual, however. Hundreds of
— Mae West thousands of people in their seventies,
eighties, and nineties have an incredible
zest for life and show great vigor,
enthusiasm, and physical ability for living. Like these active and
happy retirees, you shouldn’t let how old you are dictate when you
enter old age. Indeed, one of the secrets to happiness is to forget
how old you are — this becomes more important the older you get.
Don’t Leave This World with Songs

Unsung That You Would Like to Sing
An elegant sufficiency, content,
Retirement, rural quiet, friendship, books,
Ease and alternate labour, useful life,
Progressive virtue, and approving Heaven!
— James Thomson
Think about this quietly and carefully: Years from now, as you
review your life, what may you regret not having done? Clearly, it
won’t be to have worked longer and harder at your career. And it
won’t be that you didn’t watch more TV. Whatever it is, shouldn’t
you be doing it now?
To be sure, you don’t want to leave this world with songs
unsung that you would like to sing. Nor do you want to end up on
your deathbed pleading, “Lord, give me one more shot and I’ll give
it all I got.” Thus, you must start singing these songs today if you
are already retired. If you are working but contemplating
retirement, the sooner you retire, the sooner you will have the time
and freedom to sing the songs you have wanted to sing.
In an interview on CBC radio, a number of individuals, all over
sixty years old, were asked what advice they would give themselves
if they had life to live over. Here are six of their most important
suggestions:
w Take the time to find out what you really want

to do with your life.
w Take more risks.
w Lighten up and don’t take life so seriously.
w Be more patient.
w It’s best to suffer from the Peter-Pan syndrome.
Relive your younger days. What were your
dreams when you were young?
w Live the moment more.
Ultimately, successful retirement life

requires that you be in control of your You can’t turn back the clock.
mind. To be sure, you are definitely not But you can wind it up again.
in control of your mind if friends, — Bonnie Pruden
relatives, society, the media, and
advertisers strongly influence your view
of what makes for a happy retirement. The key is to spend
significant time regularly evaluating and reevaluating what
success means to you — and only you.
Resist the temptation to respond to people who call you selfish
for doing your own thing. Anyone who calls you selfish is trying to
get something out of you, or wants you to be the way they would
like. This, of course, makes them a lot more selfish than you. It was
Oscar Wilde who said, “Selfishness is not living as one wishes to
live, it is asking others to live as one wishes to live.”
The surest sign that you are on the right track to a happy, wild,
and free retirement is that you have clearly defined success in a
way that is different from the definition of any other individual on
Earth. Indeed, the most important definition of success — and
whether you have attained that success — will always be in the eye
of the beholder.
Being true to yourself is important. Upon close examination of
your life, you may determine that some of the things you presently
want — things that you are pursuing with great zeal — may be a
lot less important to your happiness than you thought. On the
other hand, some of the things that you are presently neglecting
may be essential to your peace and contentment. If you want your
life to change for the better, you may need to change your
relationship with money, material possessions, time, leisure
activities, and even people.
The French have a saying, “L’homme absurde est celui qui ne
change jamais.” (The absurd human being is the one who never
changes.) I couldn’t agree more. If you aren’t getting much out of
life emotionally and spiritually, then you must look at what you
bring into life. Clearly, to get more out of this world, you must
make some changes in your life.
While making life-altering changes to create a fulfilling lifestyle
isn’t always easy, millions of retirees have shown it is possible.
They have gotten their emotional acts together and accomplished
what the majority have not. It is no wonder that these people live
happier and fuller lives.
You must be absolutely clear about what really counts. And you
must be even clearer about what doesn’t count. Only then can you
make the most of what matters most and make nothing of what
doesn’t matter at all. Do something every day to make your life less
complicated. You will find that life’s a breeze when you work as
hard at simplifying it as you now do at complicating it.
Never be discouraged because others have more money or
better health than you. You can always make up in creativity what
you lack in good fortune. Playing the game of life is like playing
poker. Playing three aces badly won’t get you as far as playing a
terrible hand well.
The defining moment for the amount of happiness you
experience in retirement won’t be when you become a multi-
millionaire. In fact, the defining moment will be when you realize
that, regardless of how much money you have to your name, you
couldn’t be any happier in the present moment. Some people are
able to reach this state with a net value of under $20,000. Others
never reach this state, despite having acquired millions.
If you are not as fulfilled as you would
like to be, perhaps you are playing it too
In a completely sane world, safe. The one thing we should never
madness is the only freedom. regret are our mistakes. And the one
— J. G. Ballard thing we should regret is not having
made more. Always waiting for the river
to run dry before you cross it is no way to live your life. Only by
facing some risks along the way will your journey be worth making.
Some days you may be so bored that an invitation to the
opening of a new garbage dump will excite you. Remind yourself
who is responsible for your boredom. To repeat the words of Dylan
Thomas: “Somebody is boring me; I think it is me.”
Handling boredom is actually quite easy. Get busy doing the
things you love, or something that you have always wanted to do.
Your willingness to be accountable for
your boredom is the creative force Master, I have Why? No matter
that will make it go away. come all this way how much wealth
You are not retiring from life; you to find out how to and fame you
are only retiring from a job. I must retire rich and attain, the size of
famous in your funeral will
repeat the importance of variety.
America. still pretty much
Florida retiree Douglas Spangler, a depend on the
former university administrator, weather.
claims, “For me, writing,
photography, travel, and several other
interests fill my days to the point that
I can’t imagine how I found time to
also work before I retired.”
The secrets for living a full,
rewarding, fulfilled, and enlightened
life are not really secrets. These
principles have been passed down
through the ages but the majority of
humans tend to discount them and
follow principles that don’t work. “In
the end these things matter most,”
revealed Buddha. “How well did you
love? How fully did you live? How
deeply did you learn to let go?”
According to a Hindu proverb,
“True happiness consists in making others happy.” As far as
possible without surrender, be a kind, gentle, generous, and loving
person. Share whatever happiness you experience with others. In
this way you will multiply the happiness that comes into your life.
Generally this is not understood by most humans: We are
always free to change our futures by being more alive and creative
in the present. Happy, successful people don’t expect mysterious
forces to make tomorrow worth living. They themselves make it
that way by what they do today.
According to the Buddha, “What we think, we become.”
Therefore, always think and act as if you and your life really
matter. Surprisingly, after awhile you won’t be able to tell the
difference.
Don’t do things because you feel you have to do them. Do
things because you want to. The difference in the results you attain
will be beyond belief.
It is folly to strive for total comfort, however. Be creative, active,
and productive in leisure activities that require some risk,
challenge, and discomfort. Comfort is a double-edged sword. A
little will increase health and happiness; too much, and it will
destroy both.
You may hope for but you won’t be happy with an entirely easy
life. When you always do the easy and comfortable, life turns out
difficult and uncomfortable. When you do the difficult and
uncomfortable, however, life becomes easy and comfortable. Think
about this carefully; it applies to many areas of your life.
In your search for Shangri-la, don’t
overlook the possibility that paradise
may be where you are right now.
Enjoy every day as if it was
Everyone seems to want to be
your last and one day you will
somewhere they aren’t. Choose to be
be right about it.
where you are right now and you will be
— Graffiti happier than 90 percent of humankind.
Again, retiring happy, wild, and free
is about attitude. Alter your thoughts
and behavior and you will not only change yourself, you will
change the world around you. Whatever psychic energy you put
into the universe will be reflected back to you. The more positive
energy you put into imagining and creating a happy, wild, and free
retirement, the more it will manifest itself in the real world.
Happiness, it seems, doesn’t like people who are desperate for
it. The desperate pursuit of happiness is one of the chief causes of
unhappiness. Thus, stop trying so hard to be happy. Slow down in
your pursuit of happiness and it is more likely to catch up to you.
When happiness forgets about you, see what treasures you can
find in your unhappiness. It won’t be long before happiness
remembers who you are, and sneaks back into your life again.
Everything keeps its best character by being put to its best use.
This applies to both people and things. Thus, pursue retirement
goals in harmony with your character and values. Anything short
of this and you will be cheating yourself out of many hours of
happiness and satisfaction each and every day.
Do the simple things that are important for your happiness.
Spend time with people whom you like best. Get involved in the
activities that you enjoy most. And totally avoid the people and
activities that you like least. This strategy is so obvious, but few
people use it.
Strive for personal freedom. Otherwise you will be imprisoned a
good portion of your life. As indicated in the first chapter, you will
have attained freedom when you can get up in the morning when
you want to get up; go to sleep when you want to go to sleep; and
in the interval, work and play at the things you want to work and
play at — all at your own pace.
For independent-minded individuals, freedom contributes to
much happiness. But freedom isn’t the ability to do what others
are doing. On the contrary, freedom is the ability to do what the
majority in society are afraid of doing on their own. Only when you
are able to be creative and different —
even wildly eccentric — will you be free.
Don’t lose touch with the craziness Sail away from the safe
within yourself. Often one gets a harbor. Catch the trade winds
reputation for mental stability simply in your sails. Explore. Dream.
because one doesn’t have enough Discover.
courage to make a fool of oneself. Is it — Mark Twain
more important to live with zest or to
have people think nice things about you?
The point is, if you want to be truly alive, forget about what people
think.
To a large degree freedom entails nonattachment to what others
can’t do without. Zen masters tell us that people become
imprisoned by what they are most attached to: Cars. Houses.
Money. Egos. Identities. Let go of your attachment to these things
and you will be set free.
Showing gratitude for what you have — to God or otherwise —
should be a daily ritual. The more gratitude you express for the
things you already have, the less you will need or want. Develop a
new appreciation for the things you take for granted, such as the
fresh smell of coffee, a gentle wind blowing in your face, and the
purring of your cat. And never tire of watching a sunset or smelling
the roses.
Resist accepting society’s way of living as the right one. Your
primary duty is to be yourself. Invent a lifestyle that expresses who
you are. In the end, there is no right way of living. There is only
your way.
Regardless of your age, try to reconnect with your childhood
tendencies. To enjoy life in later years you won’t need a second
childhood if you haven’t lost your first. A variety in relationships

and interests will go a long way to making life rich and satisfying.
Always keep in mind that happiness is a mode of traveling and
not the destination. Zen masters tell us that we corrupt the beauty
of living by making happiness the goal. They say happiness is the
practice of living in the moment; it’s in everything we do.
Remember that a successful retirement is not possible unless
you involve yourself in something that is vital and purposeful.
Retiring happy, wild, and free means being engaged to the full level
of your mental and physical ability. If you dream about writing
books, write books. If you dream about traveling to Thailand, hop
on an airplane for Bangkok. And if you dream about being a visual
artist, then start painting pictures. Otherwise, you will find that
the ache of unfulfilled dreams is the
biggest pain you ever experience.
Keep a green tree in your As the Western saying goes, “Get a
heart and perhaps the singing life.” Not just an ordinary life. Get a great
bird will come. life. Get a focused, satisfying, balanced
— Chinese proverb life instead of one filled with nothing but
watching TV and other passive activities.
Spare lots of time for family, friends, and
leisure. Most important — don’t forget to spare time for yourself.
Nothing that is human should be foreign to you. Make the small
pleasures in life your biggest priorities. The wise people on Earth
realize that the simple pleasures — nature, health, music,
friendship, etc. — are the most satisfying.
Have some perpetual small enjoyment in which you indulge
daily. Never miss it, regardless of how busy you are. This will do
wonders for your well-being. Indeed, it will do more for your
happiness than acquiring the biggest and best of possessions.
To be sure, retirement life is a game in many ways. Ensure that
you laugh and have fun, even when the score is not in your favor.
This way, you will always end up winning at the most important
game you will ever play.
Consider each day you haven’t laughed, played, and celebrated
your life to be a wasted day. You were given three special gifts
when you were born: the gifts of life, love, and laughter. Learn to
share these gifts with the rest of the world. And the rest of the
world will play happily with you.
Your goal should be to make your stay on Earth as close to a
heavenly experience as it can be. Indeed, Zen masters tell us that
there is no sense to waiting for Heaven. Zen says that life lived
today is Heaven.
Put another way, this is it! Today — this is all you get. Take it
or leave it. And you can’t leave it. Therefore, make the best of it.
This way, if you get to Heaven, you will be well prepared to enjoy
yourself there.
Freedom and happiness are easier to attain than you think.
Take your lesson from children.
Don’t fret about the future. Don’t When it’s time for my retirement, I would
like to have the arrogant bloke on the
regret the past. Live only in the
back of this bicycle pedal me around for a
present. The happiness you have at year or two.
any moment is the only happiness
you can ever experience. Reminisce
about your great yesterdays, hope
for many interesting tomorrows,
but, above all, ensure that you live
today.
It’s essential that you identify
the resources most important for
your present-day happiness. When
money is lost, a little is lost. When
time is lost, much more is lost.
When health is lost, practically
everything is lost. And when
creative spirit is lost, there is nothing left.
The rest of your life begins right now. It can be more than it has
ever been. Your goal should be to enjoy everything in life that you
can. It is a mistake not to. Let it be a wondrous life. Life is all
around you. Live it to the fullest, with all your senses. Listen to it.
Look at it. Taste it. Smell it. Feel it.
Always be true to yourself. Do not blindly believe what you are
told about what brings happiness, even what is reported in this
book. Find out for yourself what brings joy and contentment to
your world. Your inner voice will tell you what will bring you peace
of mind.
Above all, ask yourself what would give you true happiness.
Listen to your answers carefully. Then do what you have to do to
attain it. You cannot afford not to. Many years from now you will
regret the things that you didn’t do much more so than the ones
you did do.
Again, retirement life is a game.
Life is long if it is full.
Happy people are the players. Unhappy
people are the spectators. Which would — Seneca
you like to be?
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Note: The second last page (page 244) lists prices for
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About the Author – Ernie J. Zelinski
Ernie J. Zelinski is best known as
the author of The Joy of Not
Working: A Book for the Retired,
Unemployed, and Overworked,
published by Ten Speed Press in
Berkeley, California. This
international best-seller has sold
over 175,000 copies and has been
published in 16 languages (English,
French, Spanish, Chinese, Korean,
Japanese, Polish, German,
Portuguese, Greek, Dutch, Czech,
Finnish, Indonesian, Turkish, and
Italian).
To date Ernie has negotiated
81 book deals with publishers in 23
countries for his 12 books. His most recent published work,
How to Retire Happy, Wild, and Free, was released in the
United States by Ten Speed Press and will soon be published
in China, South Korea, Greece, Taiwan, France, Japan, and
Spain. His twelfth book, Life’s Secret Handbook for Having
Great Friends, will be published by Spanish and French
publishers in 2005.
Feature articles about Ernie and his books have appeared
in major newspapers including USA TODAY, National Post,
Oakland Tribune, Boston Herald, Toronto Star, and
Vancouver Sun. He has been interviewed by over 100 radio
stations and has appeared on CNN TV’s Financial News,
CBC TV’s Venture, and CTV’s Canada AM .
Ernie has a B.Sc. in Engineering and a Masters in

Business Administration from the University of Alberta. He
speaks professionally on the subjects of book marketing,
retirement, and applying creativity to business and leisure.
Ernie is uniquely qualified to write
books such as How to Retire Happy,
Wild, and Free and The Joy of Not
Working, given that he opted for semi-
retirement when he was only thirty years
old and close to financial bankruptcy
(with a net worth of minus $30,000).
Yet today Ernie is a prosperous

writer, entrepreneur, and connoisseur of
leisure who maintains a three- to four-
hour workday and doesn’t like to work at
all in any month that doesn’t have an “r”
in its name. Ernie lives in Edmonton,
where, besides hanging around his
Download a fine slice of this favorite coffee shops with his laptop, he
book for free at enjoys running, cycling, tennis, reading,
www.thejoyofnotworking.com and traveling.
with this direct link.
Ernie Zelinski can be contacted at:
Visions International Publishing

P.O. Box 4072
Edmonton, Alberta
Canada, T6E 4S8
Phone 780- 434- 9202
E-mail: [email protected]
VIP Books by Ernie J. Zelinski
THE JOY OF NOT WORKING:
A Book for the Retired, Unemployed,
and Overworked
Even in today’s workaholic world, you can slow
down and still be successful. In The Joy of Not
Working (now published in 16 languages), Ernie
Zelinski advises workers around the world that
the key to attaining freedom, happiness, and
peace of mind is to work less and play more. He
also shows that personal and professional
fulfillment demand that you reject the adage that
everything worth doing is worth doing well.
Instead, you must put more effort into simplifying
your life and less into complicating it while
regularly indulging in a good measure of creative
loafing. This unconventional guide combines humor and wisdom to provide
plenty of reasons to live life on your terms and not someone else’s.
HOW TO RETIRE HAPPY, WILD, AND FREE:

Retirement Wisdom That You Won’t Get from
Your Financial Advisor
With its friendly format, positive tone, and lively
cartoons , How to Retire Happy, Wild, and Free offers
retirement wisdom unmatched anywhere else. Ernie
Zelinski advises that the earlier you retire, the better.
Above all, retirees are granted the knowledge, freedom,
and opportunity to live life like never before. Nancy
Conroy of the Association of Pre-Retirement Planners
raves: “How to Retire Happy, Wild, and Free is
optimistic, practical, humorous, and provocative AND
comprehensively addresses the many issues impacting
individuals as they think about their retirement.”
Available at www.amazon.com, fine bookstores, and from the publisher:

Ten Speed Press
P.O. Box 7123, Berkeley, CA 94707
800-841-2665 / www.tenspeed.com
Prices for Quantity Purchases of the U.S. Edition of
How to Retire Happy, Wild, and Free
Quantity Price
10 copies $12.95 each
1,000 copies $7.95 each
5,000 copies $6.95 each
Note: Above prices are in U.S dollars. Add $10.00 basic shipping charge
plus $0.50 for each book ordered. Make checks payable to Visions
International Publishing. Send orders to Visions International Publishing,
10518-68 Avenue, Edmonton, Alberta, Canada, T6H 2B1.
Phone 780-434-9202 or e-mail [email protected] for more

information on quantity purchases and custom orders.
SHARE THIS E-BOOK, OK!
You have permission to post, e-mail, and pass this e-
book along for free to anyone you like, as long as you
make no changes to its contents or PDF format. The
right to use material from this book in other forms is
prohibited. You can have the movie rights, however,
provided that you share half of the profits with me and
give me the staring role along with Sharon Stone.
Here’s what you can do with this edition of

How to Retire Happy, Wild, and Free:
Post it on your own Website to share with your Purchase
readers.
The World’s Best
Have your colleagues visit Ernie Zelinski’s famous Retirement Book
The Joy of Not Working Website at (240 pages) at
www.thejoyofnotworking.com where they can
www.amazon.com
download this free e-book and an e-book liberated
with this direct
from the international best-selling The Joy of Not
link.
Working by Ernie Zelinski.
Send this e-book as a fun gift to your time-deprived friends and co-
workers who don't have time to read a complete book. In fact,
send it to 100 people and I will send you the other half
(either the paper edition or the PDF format).
Place this e-book on your company’s Website so that employees
contemplating retirement can read over half of The World’s Best
Retirement Book for free.
Download The Graffiti for the Soul Series for

free from the Creative-E-Books Website at:
www.Creative-E-Books.com

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Travel for Fun, Adventure, and More 173

w California-to-Florida car and driver for client

Society. Some of the other websites offering ecotourism products

You Don’t Have to Be Rich to Spend a

Nestled in the hills of north-central Mexico, this proud

Despite not being wealthy, Ron

Enjoy Yourself in a Myriad of Ways at a

Bowling Mixed chorus Men’s softball

Pool & billiards Wood shop Lapidary/Silversmith

Why Travel Alone When You Don’t Have

Swap Your House for a Neat Pad in Some

Vacation and Home Exchange

w Boats, caravans, and motor homes may be

w You can take longer vacations because your

You can check out other house-swapping organizations. For a

Try a Working Vacation for a More

researchers discover a new species. These vacations aren’t a

w Help scientists study the behavior of whales in

w Assist a principal investigator on the

To be sure, volunteering for these I have, thanks to my travels,

Journey Close to Home and Do the Things

w Spend a night in a boutique hotel.

Whether it’s a journey to all corners of the world or an

Live Somewhere Else and Do What You

and Patricia Robertson. They sold their $250,000 house in

wouldn’t want to be anywhere else. Moving abroad has been

What to Look For in a New Retirement Location

w The climate is exactly what you are looking for.

buy, the housing is affordable.

opportunities at local educational institutions.

Consider Moving to a College Town

Asheville, which is, in fact, a city of 68,000 people. Downtown has

Town for Retirement by Joseph Lubow covers sixty-four college

The Secret to a Really Wonderful Retired

w They house-sit for their friends, the Goodsills,

Toma, a nationally recognized fiber artist.

You can read more about Bill and

Retirement Is Not a Time to Sleep,

Not so long ago American filmmaker Marian Marzynski studied a

conclusion that a happy retirement has little to do with level of

contrary, there is much scholarly

Answering these questions honestly

everybody-else — means to fight the hardest battle any human

Celebrate Your Eccentricity

this world. There is no better example to make my point than

w During his round-trip run to Los Angeles, Ben

Show where he promoted his no-smoking-in-

What You Got before You Lose It”) with The

Ben surmises that if he had decided to stay with the Toronto

intelligent than the general population. True eccentrics are highly

If Money Can Buy Happiness,

Many individuals in Western countries are looking solely to

individuals at home watching the game on TV. Moreover, there are

they are healthier. But they are no happier.”

and possessions, the more your life will

Elements of Happiness That Money Can’t Buy

Health Longevity Self-reliance

If these are all elements of happiness, and they can’t be bought,

Granted, a lack of money for basic necessities will leave us