There is really not that much actual difference between my fearful vision of being old, impoverished bag lady living in the van down by the river, or being a thrill-seeking elder who is documenting adventures by Instagramming her #vanlife.
There is a pretty big delta however, between the mental states that take me toward one or the other. And that is the challenge with this thing we call retirement. Managing your money, your time, your productivity, and your relationships are nothing compared to managing your mindset.
My personal expectation is to pay my way, support myself, share my know-how, and bring enthusiasm to all that I do. My personal fears are also for the worst case, feeling un-needed and unable to contribute, and not able to remember how to get things done. Every day I have to actively choose the expectations, not the fears. Every day I have to recognize when I am actualizing the positive expectations, and reinforce them. As I focus more and more on the positive, I think it gets easier.
Yesterday, I rode on one of the marvelous bike paths nearby. Going out felt slightly downhill. I was with a friend and didn’t have the inclination to worry about the uphill climb on the return trip. And guess what? Coming back felt slightly downhill. Yeah, downhill. Both ways. That’s what happens when you stop worrying and just enjoy the moment.