Showing posts with label Retire. Show all posts
Showing posts with label Retire. Show all posts

Tuesday, January 16, 2018

GETTING UP OFF THE COUCH AND EXERCISING After Retirement in Mexico

It's Great to Relax Here, But Not Too Much! 

    
Jon Gets Pretty Lazy Reading on the Couch
     Retirement in México is bliss. The weather where we live is perfect all winter and spring, really most of the year. We throw the doors and windows open each morning and…get lazy. Jon settles onto the couch, reading a western novel and doesn’t move for hours. I sit down at my desk to write until I realize hours have gone by and my Fitbit is nagging me to get moving.   
Walking to Dinner in Town Gives Us Some Exercise
     We walk a lot more in México than we did in the U.S. Every other day we walk at a good clip to town for dinner, and then we kind of stroll home after sharing a small garden salad and shrimp Alfredo, one order of flan, and each drinking two Margaritas. Our bathroom scale tells on us when we have been too lazy and eating too well the day before, reporting that our weight went up two pounds from that delicious dinner the previous night. I guess walking to and from dinner isn't enough.
Yoga Class with Jim Gallas at the Don Pedro Palapa
     We realized pretty quickly after retiring that we had to make ourselves get more exercise or we would turn into blimps, living the good life here in México. So, we started attending yoga classes. We put two exercise classes per week on our calendar as a minimum and then shoot for attending a third. That has helped a lot! If it's on our calendar, we make it happen. We enjoy yoga with Jim Gallas in the Don Pedro palapa, a beautiful setting overlooking the ocean. Walking a mile each way to the class, uphill both ways, of course, gives us an extra workout. For variation, we have attended yoga classes at Hotelito Los Sueños and at Heart Shala Yoga Studio, both a pleasure. We find that yoga classes help us stay physically stronger and more flexible, as well as improving our mental health.
Yoga Helps Our Flexibility and Strength
     But what about aerobic exercise? Those of you who know me or have read my previous books and blogs know how hooked I am on Zumba® Fitness classes, a great cardio workout that is based on dance, making it so much fun you forget you’re exercising. (Sounds a bit like an ad, but it's true!) Sometimes we couldn't find a Zumba class in Sayulita, so Jon suggested I take the training to become a Zumba instructor. At first, I didn’t think I could do it, but he continued to encourage me, so I enrolled in my first Zumba training class over a year ago. I’m so glad I did. Now I teach Zumba classes two days per week, which Jon faithfully attends with me. When I’m the instructor, there’s no skipping classes. Plus, I have to give it more energy when I know my students are following my example. That has really helped Jon and me stay fit. I have included a short clip of a video from one of my Zumba classes. You can see how much more fun it is to do aerobic exercise in a group of people who also enjoy it.

      Then one day, the Sayulita ejido threw a monkey wrench into our Zumba class schedule. The ejido (community) owned the Casa de la Cultura (House of Culture) where I held my Zumba classes and we paid a small fee to use the space. Without warning, a representative came in at the end of my Wednesday class and informed us that the building had been sold and we could no longer hold classes there. What? No More Zumba Classes?
The First Home of Our Zumba Classes was Sold!
Zumba at Casa de la Cultura was So Much Fun for All Ages!
     I wasn't going to let this glitch put a stop to our fun Zumba classes! I was in a panic for a few days, trying to find a space large enough for eight to twelve of us to dance, with a floor that was either wood or tile, and available around 9:00 in the morning when my students like to have class. Jon and I walked all over Sayulita for several days looking at yoga studios, the Amigo de Corazon Senior Citizen Club, the elementary school, a church, and several hotels. Whew, did we rack up the miles on our Fitbits! I had one of my best Fitbit reports ever. I lost those two pesky pounds, too. Walking is great exercise. We're glad we retired in a town that is easy and fun to walk in.
A Great Fitbit Report After Zumba Plus Lots of Walking! 
     Finally, after researching seven possible sites, we held a trial class at two of the yoga studios and put in a request for permission to have our classes at the Amigo de Corazon Senior Citizen Club. I decided to put my Zumba class on hold until the right room became available. Jon and I began having our own private Zumba class on our patio, just the two of us. We decided whether it was a week or a month before the right space and time slot became available, we would wait to start offering Zumba classes again (hopefully soon). For the time being, we are still getting our aerobic exercise with Zumba twice a week, just at home.
     Edited 1/24/18: I am now teaching Zumba again, each Monday at 10:30 AM at El Club in Sayulita. I attend Debora's Zumba class every Wednesday for a change of pace. It feels so good to be doing Zumba every week again! You can Like and Follow my Zumba class Facebook page for updates on this story at Zumba with Terry in Sayulita.
Terry Does Zumba at Home When Not Teaching Classes
     Jon got some unplanned bicycling exercise one week recently. Another flat tire on our golf cart (we nicknamed Carlos), this one from a nail we picked up, required a trip with the tire to the llantería (tire repair shop). I suggested he call a taxi to take him the four miles round trip, but he decided he could strap the tire on the back of his bike, ride to the tire repair shop, wait to have it fixed, and then ride home with it.
Jon Hauls the Carlos's Tire to the Repair Shop on His Bike
     Whenever Carlos is out of commission, we end up riding our bicycles on bumpy cobblestone roads to town to buy groceries and take laundry to the lavandería, a somewhat treacherous means of getting exercise. We were both happy Jon was able to get Carlos going again in one afternoon. The cost was 100 pesos ($5 US). We not only get extra exercise living in México, we save money on repairs.
Riding Bikes to Shop at the Produce Stand in Sayulita
     One of the reasons we chose to live in Sayulita is the abundance of exercise opportunities. Living in a beach town, we enjoy boogie-boarding and Stand Up Paddle boarding in the warm weather and temperate ocean water year around. Golf is something we like occasionally, but we aren’t willing to pay the high prices most golf courses charge, so we find the public 9-hole Field of Dreams (Campo de Ensueños) Golf Club in El Monteón to be a lot of fun and inexpensive.
Terry Catches a Wave on Her Boogie Board
Leisurely Golfing at Field of Dreams in El Monteón


     All of this physical fitness makes us thirsty at the end of the day. Just writing about all of this exercise makes me realize it’s time for a margarita or a glass of wine. Which one of the 120 restaurants in Sayulita shall we walk to tonight? Maybe one on the beach with a view of the sunset. So many decisions, so much to do… glad we retired while we are young enough to enjoy all of them.
Ending the Day with a Walk to the Beach for a Sayulita Sunset
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Wednesday, June 1, 2016

Retirement in San Miguel de Allende? Maybe Jocotepec on Lake Chapala?

Evaluating Two More of Our Eight Favorite Places in Mexico

La Parroquia de San Miguel Arcangel in the Background
San Miguel de Allende, Guanajuato
     For years we traveled around Mexico and never imagined we would consider retiring in San Miguel de Allende. We had the mistaken belief that it had been overrun by foreigners, that the charm of the once small town had been ruined. Some even liken it to Disneyland, just another tourist attraction, painted and enhanced until it is picture-perfect. We wanted to live in real Mexico.
     Then, we visited San Miguel de Allende and fell in love with it like so many North Americans have. Though the town has grown since Tony Cohan described it in his book, “On Mexican Time”, published in 2000, the Spanish colonial architecture of the central town has been well-preserved. The majestic cathedrals, the attractive, colorful centuries-old homes and hotels along narrow cobblestone roads, the beautifully landscaped parks, and the lively festivals are just a few of the things that make this city special. 
     We began to envision ourselves living in San Miguel de Allende. No one was more surprised than we were that we would even think about living in this tourist town. We started listing our “Pros and Cons” of moving to this amazingly gorgeous city.
Part of a Wedding Procession through San Miguel de Allende

Here are some of the things we like about San Miguel de Allende:

1.      We are drawn to Spanish colonial architecture. We could spend hours each day walking down cobblestone roads exploring the town, fascinated with the old world beauty. This city is even more beautiful than Old Town Mazatlán, another of our favorite historic areas in Mexico.
2.  Plenty of great restaurants to satisfy our desire to dine out four evenings each week. TripAdvisor lists 317 restaurants and we only sampled a small fraction of those in the two weeks we stayed in San Miguel de Allende.
3.  A good bus system. This is a city where it is recommended that you do not drive into centro (downtown) because the streets are very narrow and there is almost no place to park. Centro is a walking area and that works for us. We stayed in the outskirts of town at the Hotel & RV Park San Ramon, caught the bus to centro, and then walked around the historic district. The buses stopped running fairly early so we caught a taxi back to the RV Park after dinner, not an inexpensive ride.
4.      Walking around town was always interesting and good exercise. There is so much to see in San Miguel de Allende that it would take years to explore it all. We walked a different route every day to see as many of the cathedrals and parks as we could during our two-week stay and felt like we had barely scratched the surface. The walk around centro, viewing the famous La Parroquia de San Miguel Arcangel and El Jardin Principal (central plaza and garden) is level and easy walking. When we walked to the Parque Benito Juarez, we found ourselves going up some fairly steep hills, admiring beautifully restored old homes, hotels, and churches along the way. Carrying our Garmin GPS with Mexico software helped us find our way through the winding streets and walkways, parks and plazas, and back to the bus stop. My Fitbit pedometer registered that we easily met our goal of walking 10,000 steps per day while in San Miguel de Allende. To see more photos of our walking tour in San Miguel de Allende, view my blog post at: http://healthylivingandtravelinginmexico.blogspot.mx/2014/04/san-miguel-de-allende-mexico-walking.html
5.  The city was clean. The streets were well-swept and free of trash; the air was clear and pollution-free when we were there.
6.      The climate is moderately warm with a low amount of rainfall, only 22 inches per year on average.
7.  San Miguel de Allende has at least one great fitness center and Zumba class! To read more and see photos of the excellent fitness center we discovered, see my blog article, “ZUMBA WITH CESAR ESPINOSA IN SAN MIGUEL DE ALLENDE, MX” at: http://zumbamexico.blogspot.mx/2014/04/zumba-with-cesar-espinosa-in-san-miguel.html
8.  Grocery and supply shopping is convenient. We shopped at the Mega supermarket and found everything we needed. This store is outside of the congested centro area so we avoided tourist traffic when going to shop there.  The central market downtown had beautiful, fresh produce, so perfectly displayed that we thought it wasn’t real when we first walked past it.
9.   Health care is available in San Miguel de Allende with two general hospitals and various medical clinics.
10.  There are several banks in San Miguel de Allende, making withdrawal of pesos easy and secure.
11.  With a population of about 140,000, San Miguel de Allende is a large enough city that most services we would need are available such as Veterinarians, beauty salons, hardware stores, public library, pharmacies, etc.
12.  There is a large enough number of foreign expats, about 5 percent of the population, that we would be able to meet people from our own country while participating in community activities.
13.   San Miguel de Allende has a reputation for being a safe city. We felt safe walking around the centro during the daytime and after dark, where the streets were well-lit and there were plenty of other people strolling around.
14. Many interesting places to visit in the area surrounding San Miguel de Allende. We spent a couple of days exploring the amazingly beautiful city of Guanajuato about 35 miles away. I wanted to visit the El Charco de Ingenio Botanical Garden and Parque Landeta, but we ran short of time.
15.  To read more about “Living, Working and Retirement in San Miguel de Allende”, I suggest this website:  http://www.mexperience.com/lifestyle/living-places/living-in-san-miguel-allende/#2

Overlooking San Miguel de Allende and Ignacio Allende Lake

Here are the reasons we ruled out San Miguel de Allende as our retirement home:

1.      Relatively high cost of housing, especially near centro. If we decided to purchase a home in San Miguel de Allende, we could probably only afford a small apartment on our limited budget. A casita (small house) with a garden within walking distance from downtown would be out of our price range.
2.  Relatively high cost of dining out. The elegant, gourmet restaurants were out of our price range on our minimal retirement budget. Even the taco restaurants were more expensive than similar places along the Pacific coast.
3.  We missed being on the Pacific Ocean with the sandy beaches, the salty sea breeze, gently breaking waves, and the water sports we enjoy. We originally thought that the nearby Ignacio Allende Lake would satisfy our need for living near a body of water, but it was too far away from the city. This was probably the biggest reason that we decided against moving to San Miguel de Allende. Maybe a town on Lake Chapala would satisfy our desire to live near water. 
4.      The higher altitude was difficult for me to adjust to, averaging at 6200 feet. I found that I experienced lower energy, headaches, and occasional dizziness. This was especially noticeable when I was taking Zumba class and found I had to slow my pace to keep my heartrate from getting too high.
5.  Winter temperatures are too cool for us, especially in the morning and evening with lows in the 40’s and 50’s Fahrenheit and daytime highs in the low 70’s. The cooler mountain temperatures are perfect for some North Americans, but we find we enjoy the warmer coastal climate.
6.  San Miguel de Allende felt too large and spread out for us. Since we have made the decision to give up owning a car, we want to be able to walk or ride the bus to get around. The Old Town of San Miguel de Allende is walkable, but in order for us to live in this area, the cost of housing would exceed our budget. It was becoming more and more clear to us that we were looking for a smaller Mexican village, not a big city such as San Miguel de Allende.
7.   San Miguel de Allende is not convenient for us to travel to from Medford, Oregon. The closest airport to San Miguel de Allende is in León, Guanajuato, México (BJX-Del Bajío), which would require a long, expensive taxi ride, about two hours from the airport to a home in San Miguel de Allende. Our flight from Medford would be 10 to 11 hours of travel with two layovers. It was longer than we wanted to travel each year when we went to Oregon to visit our family and it was too much to expect of our little wiener dog, Bella.
11 to 12 Hours Travel To San Miguel de Allende
     So, as much as we enjoyed our time in San Miguel de Allende, and even though we could envision living in this colonial city, we ruled it out for our retirement home.  We have met expats who have retired in San Miguel de Allende and love living there. It is just not for everyone. San Miguel de Allende will still be on our Bucket List of places to visit again in the future.


Jocotepec, Jalisco
Zócalo in Jocotepec
     Jocotepec is one of three cities along the shores of Lake Chapala that are popular retirement homes for expats from the United States and Canada. The towns of Chapala and Ajijic have a larger percentage of gringos living there than Jocotepec. We chose to stay in Jocotepec when we were living and traveling in our motorhome, simply because it was the only town on the lake with an RV Park. Roca Azul is more than just an RV Park—it is also a sports park with a wonderful swimming pool, a mineral pool, a tennis court, volleyball courts, an event center, 24-hour security, cabins for rent, and more. With the nearly perfect weather, the view of the lake and surrounding mountains, walking trails, bird watching, close proximity to downtown, and the friendly people, we could see why there were quite a few expats from the U.S. and Canada who live at Roca Azul year around. For more information on Roca Azul, see www.clubrocaazul.com
The Largest Pool at Roca Azul in Jocotepec 

     Jocotepec is a very Mexican town with a pretty Zócalo, a traditional central plaza with an ornate gazebo, benches for social gatherings, and well-maintained landscaping. When we dined at one of the restaurants on the perimeter of the Zócalo, we could watch the activity at the two churches, the couples strolling through, and the children playing. We noticed a few gringos in the plaza, people watching like we were, but most of the people in this town are Mexican. This would be a place to immerse ourselves in Mexican life, learning Spanish more quickly since few residents here speak English.
     Jocotepec is an old city, founded in the year 1529. Most of the buildings in centro (the downtown area) were constructed of adobe and many have been resurfaced with stucco and paint to freshen the appearance. Some buildings have old, peeling plaster and paint, revealing the original adobe brick and mortar underneath, giving the town a somewhat worn look. Jocotepec is not a tourist town so it is less polished than San Miguel de Allende, but just as clean. It was obvious to us that the residents here take pride in their town.
Intricate Mural in Centro Depicting Jocotepec's History
Here are some of the things we like about Jocotepec:
     1.      Jocotepec is a very Mexican town, where the people are friendly and relaxed. It is a small city with a population of about 38,000, so it felt more peaceful with less hustle and bustle of a large city such as Mazatlán. We considered living at Roca Azul in our motorhome or maybe a fifth wheel with a bit more space. The property is large, overlooking Lake Chapala and the mountains, with plenty of sports activities to keep us from getting too lazy.
     2.      The mixture of people who lived at and visited Roca Azul was unique and pleasant, unlike any other place we had lived during our travels in Mexico. Our neighbors were friendly and enjoyable. The park is large and spread out with plenty of elbow room for everyone. Two sections of Roca Azul were devoted to expats who live there in motorhomes or fifth wheels most of the year. We stayed in the area with a view of the lake and the lighthouse, where there were more transient campers, both Internationals and Mexicans. Mexican families come from Guadalajara for their vacations and spend weeks living out of their trailers, the kids running, riding bikes, and playing throughout this giant, safe playground. The annual “Combi Reunion” (Mexican name for VW Microbuses) gathered there one week and we had as much fun watching them as they had showing off their specially decorated microbuses, playing musical instruments, and playing soccer. Intermixed in this side of the RV Park were Americans and Canadians, some retired couples, an older woman with her adopted daughter, a single gringo and his dog who looked permanently settled in a medium-sized trailer, and other travelers just stopping by for a night or two on their way to other adventures. All were friendly to us and we received several invitations to come by for a drink and a chat. We practiced our Spanish and the Mexicans practiced their English with us in a conversation that mixed both languages. We found that the smiles, the laughter, and the fun of watching the children play overcame the language barrier. We were very comfortable and content during the two weeks that we stayed at Roca Azul. For more information about Roca Azul, see www.clubrocaazul.com
One Expat's Home and Yard at Roca Azul in Jocotepec

      3.      We felt safe in this town, walking from Roca Azul as well as strolling around centro during the daytime and the evening.
     4.   Jocotepec is a clean place where the residents seem to take pride in their city. They sweep the street and pick up trash in front of their homes and businesses daily.
     5.      The climate is nearly perfect year round, with temperatures ranging from an average maximum of 75°F in January to 88°F in May, and with relatively low humidity most of the year. Rainfall is fairly low, about 29 inches per year with most of it falling during the summer months of June through September. 
     6.      Low cost of housing if we lived at Roca Azul in a fifth wheel or other RV, as many expats do. The annual lease for a site in 2014 was about $4000 U.S. per year (only a little over $330 per month if a year lease was signed) and included all utilities and internet. This was the least expensive home we had found in an area we liked in Mexico! There was plenty of space in each site for gardening and privacy sight screens. Most of the expats had developed their leased site into colorful yards with pink and red flowering bougainvillea, palm trees, and other interesting plants that were new to me. An inexpensive home with a space to garden and enjoy the birds was what we were looking for.
     7.      Health Care is available nearby. The new Jocotepec General Hospital opened in 2015. Several major medical centers are about an hour’s drive away in Guadalajara. English-speaking doctors and dentists are available in Ajijic and Chapala, 12 to 18 miles away.
     8.      There is a bus system that runs from the Jocotepec bus depot, along Lake Chapala through Ajijic and to the city of Chapala. We could walk about 1 ½ miles from Roca Azul to the bus station in town, not too far for us, when we wanted to ride the bus to other towns to shop, go to dinner, or see a doctor or dentist.
     9.  I was excited to find lively, fun Zumba classes in Jocotepec that I could walk to, adding to my exercise for the day. This was also a good place to meet other expats who live in town. For more information on these classes, see my blog posts, “Zumba with Daniela in Jocotepec” at: http://zumbamexico.blogspot.mx/2014/04/zumba-with-daniela-ibarra-garavito-in.html and “Zumba with Maria in Jocotepec” at: http://zumbamexico.blogspot.mx/2014/04/zumba-with-maria-in-jocotepec-jalisco.html
     10.  The Jocotepec city park was a relaxing place to people watch on a Sunday afternoon while enjoying an ice cream cone. The children played in the fountain to cool off or road the kiddy train around the park while the adults relaxed on benches in the shade. Throughout the park were whimsical statues of fish made of colorful tile mosaic, favorite backdrops for photos.
Fountain at Jocotepec City Park
     11.      Fresh Raspberries! The Driscoll Farms raspberry fields surround Roca Azul RV Park, so we were able to buy just-picked, juicy berries at roadside stands for 25 to 50 cents per quart. Delicious and inexpensive! This is the same farm that supplies some of our Oregon grocery stores, but after being shipped that far they cost about ten times as much and sure don’t taste as yummy. Strawberries and blackberries are also grown in Jocotepec. The fresh berry supply alone was almost enough to make us decide to move to Jocotepec!
    12.      Bird watching was excellent at Roca Azul. Sitting in our RV site we watched countless numbers of goldfinches, hummingbirds, orioles, house finches, doves, robins, herons near the lake, and another exotic, bright orange and red beauty that we were unfamiliar with. We were entertained daily by the birds, many of the same species that we watched at our home in Ashland, Oregon plus new ones indigenous to the mountains of Mexico.
     13.      We found a good lavandería and other services we needed in the downtown area, though it was two miles from Roca Azul RV Park to centro. We were able to drive to town with our tow car at the time we were there whenever we needed to haul laundry, groceries and other supplies. Now that we don’t have a car, we would need to ride our bikes or use a taxi service to take our laundry to the lavandería once a week. We didn’t see any golf carts being used in this town so we doubt that they are considered street-legal the way they are in some smaller towns in Mexico. There are several pharmacies in town with good inventory and reasonable prices. Our favorite was Farmacia Guadalajara, but sometimes we had to visit more than one pharmacy to find the medication we needed.
     14.  Shopping for groceries and supplies was somewhat limited in Jocotepec. The Bodega Aurrera was the only supermarket in town when we were there. We liked to shop for produce at the Fruteria de Cuarto downtown, near the main plaza, where the fruit and vegetables are very fresh and inexpensive. We also shopped at meat markets around the plaza where the meat is fresh and less expensive than at the supermarket. We could walk the two miles from Roca Azul to the plaza to shop, and then take a taxi home with our supplies. Ajijic has a popular Wednesday market that we could ride the bus to for weekly produce shopping. If needed, there is a Wal-Mart in Chapala and we could ride the bus there. It is only about 13 miles from the Jocotepec bus station, but probably about an hour bus ride each way down Highway 23, the busy road along Lake Chapala.
     15. We would walk to town to go out for dinner, and then take a taxi home. Or we could walk to the bus station and take a bus to Ajijic or Chapala for dinner at more upscale restaurants. We would get plenty of exercise if we lived at Roca Azul since we don’t have a car. We would have a nice two mile walk down a country road, past the raspberry fields, and into town. Life would be simple and slow.
     16.    The Historic District of Guadalajara is only 40 miles away. One of our “Bucket List” items is to take a walking tour of this area with its numerous parks, plazas, sculptures, Spanish Colonial cathedrals and other famous buildings. We could easily take the bus from Jocotepec to Guadalajara for a weekend of sightseeing and dining out in the big city.

Getting to Jocotepec
           The nearest airport to Jocotepec is the Miguel Hidalgo y Costilla International Airport in Guadalajara, 45 miles from the Roca Azul RV and Sports Park. The taxi ride from the airport would be about an hour and fifteen minutes to Roca Azul if we lived there. (One advantage of living in Chapala is that the airport is only 20 miles away, about a 35 minute drive)
     To fly from Guadalajara to Medford, Oregon to see our family would require about 12 hours one-way, including the time for two layovers. Add on the taxi ride, and this would be too long of a day of travel for us, especially as we get older.
12 Hour Flight to Guadalajara Including 2 Layovers


Here are the reasons we ruled out Jocotepec as our retirement home:
     1.      We missed the Pacific Ocean. After months of living in towns in the Yucatan, along the Gulf Coast, and in the mountains of central Mexico, we were homesick for the waves of the Pacific. We realized that we are happiest where we can boogie-board, Stand Up Paddleboard, and watch the surfers, the pelicans, and the sunsets each evening.
     2.      There are an unusually small number of restaurants in Jocotepec for the size of the city, too few for us. TripAdvisor lists nine and I think we dined at most of them, including the taco stands. We could hop on the bus and go to some very good restaurants in Ajijic and Chapala, and then take a taxi home. But, we really wanted more dinner places within walking distance of our home.
     3.      While Roca Azul was a fun and inexpensive place to live in our motorhome, we were ready to buy a brick and mortar house with a garden. We didn’t research real estate much in Jocotepec because by this time, we knew we wanted to get back to the Pacific Coast of Mexico.
     4.      The high altitude, a little over 5000 feet, was difficult for me to adjust to. I noticed the extra physical exertion needed when I exercised, especially when I attended Zumba class. I found that my heart rate became high pretty quickly so I had to dance with my arms below the level of my heart and do less jumping than the rest of the people in class to keep my heart rate from getting too high. I know my body would eventually adjust to exercise at a higher altitude, but it can take months to adapt. Some expats who live in a mountainous area of Mexico find that as they age, taking walks at this altitude becomes more difficult and they begin to consider moving somewhere at sea level.
     5.      Would we get bored? There were plenty of things to do within Roca Azul with the pools, tennis court, volleyball court, and walking trails. Most of the expats at Roca Azul seemed friendly and eager to get together for social times. I had discovered my favorite fitness class in town, Zumba! We could travel to Ajijic and Chapala for other activities. But we were concerned that we would not have enough to do in Jocotepec outside of the Roca Azul Sports Park.
     6.      The nearest Golf Courses are in Chapala, an hour taxi ride away, private country clubs that were too expensive for beginners like us.
     7.  There were not enough international residents in the town of Jocotepec. We thought that we might begin to feel isolated. Living in the cities of Ajijic or Chapala would be better options for meeting more people from the United States and Canada, but housing there tends to be in gated communities. We aren’t interested in living in a gated community or condominium.
     8.      The travel time from Jocotepec to Oregon to see our family was too long for us and our miniature dachshund, Bella. Bella goes everywhere we do, so this was a high priority!

     In the last two blog posts, I listed our “Pros and Cons” for living in San Carlos, Sonora, Mazatlán, Sinoloa, La Peñita de Jaltemba, Nayarit, and San Pancho (San Francisco), Nayarit. After looking at San Miguel de Allende, Guanajuato and Jocotepec, Jalisco, too, Mazatlán was still our first choice for a place to retire. But, so far, we had only reviewed six of our eight favorite cities in Mexico. We had two more to look at.
     Was it possible that we would be happier in a smaller city on the Pacific Coast, a town where we could walk most everywhere we wanted to go on a typical day? We decided to evaluate two more of our favorite beach towns, Sayulita, Nayarit and La Manzanilla, Jalisco. Look for our final decision for our retirement home in my next blog article.
Bella Digs for Sand Crabs at Sunset in Mazatlan
To read more about how we chose our home in Mexico and how we retired early and made the move, check out my book, Retirement Before the Age of 59 (Healthy Living in Mexico #2). Take a look at my Amazon Author page to see all of my books about Mexico and my novels.


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Wednesday, May 6, 2015

7 REASONS TO RETIRE BEFORE THE AGE OF 59

Analyzing the Early Retirement Decision

We Need Retirement Now, Before the Straightjacket Phase!

How Do I Decide It's Time for Early Retirement?    

     Some days, my job as a pharmacist made we feel that I was headed for the loony bin, soon to be carried away in a straightjacket. The practice of pharmacy and our health care system are not what they were 35 years ago when I graduated from Oregon State University's School of Pharmacy. The chain drug store workplace has become a bit insane, with pharmacists, technicians and cashiers working at a frenzied pace. At times, I felt like I was pulling my hair out trying to keep up with the workload and provide good care to the patients. This work pace couldn't be healthy, either mentally or physically. Wouldn't it be best to retire while I still had my sanity?
     I had to analyze this decision to retire before the age of 59 very carefully, though I frequently wanted to surrender to my urge to throw down my pill-counting spatula and walk out of the pharmacy. I'm actually a very serious, usually calm person, the kind you would expect your pharmacist to be. I'm very organized, very methodical about most things in my life, even a bit obsessive-compulsive. I carefully analyze every decision I make in my work and my life (is that why some people have called me "anal"?). Isn't that the kind of person you would want to fill your prescriptions, to ensure that you get the correct medication, the prescribed dose, and the exact directions that the physician ordered? I told myself that I could not make a rash decision about early retirement; it required my usual methodical analysis.
     But, let me whine a bit more... After filling, on average, 150 prescriptions per day, 4 ten-hour days per week for about 30 years, I realized I had methodically analyzed, filled, and verified over 18,000 prescriptions and counselled patients on about one-third of those. After cranking out, on average, one prescription every three to four minutes, as fast as my mental capacity would allow, for over 30 years, I realized that I was tired of being a pharmacist and annoyed with the practice of pharmacy as a whole. I wondered if my sanity could survive another eight years of filling prescriptions. Eight more years seemed like an eternity. The thought of early retirement started to creep into my thoughts more frequently. 
     When I began to consider retiring at the age of 58, my reaction was rather emotional for a typically serious person. Envisioning the freedom of retirement gave me such a sense of relief that I actually felt euphoric at times. It felt like the right decision. But being the analytical person that I am, I attempted to take the emotion out of the formula. I had to evaluate the pros and cons of this decision. I used my usual decision-making formula to help with this dilemma, a "Pros and Cons Balance Sheet" in its most simplistic form: two sheets of notebook paper and a pen. 


Cons for Retirement Before the Age of 59

     On the top of one sheet of paper I wrote "Cons for Retirement Before the Age of 59" and began to list the disadvantages of early retirement. This list was easy and obvious because each item that described why retirement at the age of 58 was a poor idea revolved around the fact that I would have less money. Of course, my husband, Jon would retire when I did, but I'm an independent woman and felt I needed to hold up my end and pay my own way. Therefore, my analysis is for the "Pros and Cons of Early Retirement" as they related to me at the age of 58.  I could only think of five reasons not to retire before the age of 59, so surely the balance would tip in favor of early retirement.

1. I would have very little income while I was waiting for my books and blogs to begin making substantial money. There is a good reason that writers are told "Don't quit your day job" when they first begin publishing their work: the income barely dribbles in.

2. I would not be contributing anything to my retirement funds and I had not yet accumulated the recommended amount needed for a comfortable retirement. Most financial experts would advise against this.

3. I had very little in my savings account and would be cutting off my most significant source of income when I stopped practicing pharmacy.

4. I would not have access to my IRA retirement fund until the age of 59 1/2 (without paying penalty)

5. I would not be eligible for Social Security for more than three years.

So HOW would I afford to retire before the age of 59? There could be many rainy days ahead and how would we deal with them? We knew we would make the most of our rainy days. The HOW is a topic for another blog article. One step at a time...

Let's Make the Most of the Rainy Days

Pros for Retirement Before the Age of 59

     At the top of my second sheet of paper I wrote "Pros for Retirement Before the Age of 59" and started listing the advantages of retiring early. These were the reasons that I felt I needed to retire soon. When I finished writing the reasons, the list wasn't very long. But each reason that I wrote down seemed heavy with importance for me. I realized that other people who feel the need to retire early probably have a very similar list. Why do we continue to work if we feel that our job is such a heavy burden? We continue to drag ourselves to work every day because we feel we should, because we have to. I've decided to eliminate the word "should" from my vocabulary.
     Below is my list of seven reasons to retire before the age of 59. I encourage others who are considering retiring this early to make their own list, but I imagine that each list would be very similar to this one, with a few individual variations.

7 Reasons to Retire Before the Age of 59


1. I’m Burned Out on My Job 

The lyrics to the song, "Take This Job and Shove It", sung by Johnny Paycheck always made me chuckle when I heard it in my younger days, imagining myself saying it some day when I was fed up with my job but knowing I would never really having the guts or rude manners to say it. But in the past year, when I started ending most work days thinking "Take this job and shove it, I ain't workin' here no more!" and really wanting to say it, I knew I was getting close to my time to retire. That song may have been written by David Allen Coe about factory workers, but many days I could relate to the lyrics. Often, as a pharmacist, I felt like an assembly line worker, pushing out as many filled prescriptions as I could to keep the boss happy. I could really get rolling on this topic, but I'll save it for another day.

2. I’m Stressed Out and Need a Simpler Life 

The years of working long hours to pay the bills and build a nest egg for retirement, only to see the recession of 2008 demolish it, was enough to discourage anyone. The struggle to survive that recession financially was very stressful for me and Jon, as I'm sure it was for many others. The negative impact of daily stress on physical and mental health has been well documented. I have known for years that I needed to simplify my life to improve my health and extend my life. As much as Jon and I talked about simplifying, it took getting serious about early retirement to make us start taking the steps. The steps we took were painful at times and required hard work, but a simpler life and reduced stress after retirement made it all worthwhile. Early retirement was the right decision.

3. I Want to Live a Healthier Lifestyle


 Working full-time kept us too busy and tired to do much else at the end of the day but grab a bite to eat and relax with a good book. We worked out at the YMCA once a week but knew it wasn't enough. We cooked at home when we had the energy, but more times than not we talked each other into going out for dinner. We wanted a lifestyle with more time for daily exercise and preparing healthy meals. Early retirement would allow us the time and energy for both.
We're Not Ready for the Rocking Chair, We Just Want to Enjoy Life!
4.  I Suffer During the Long, Dreary Winters. Moving to a Sunnier, Warmer Climate will Improve My Health

Some people suffer from arthritis and other ailments that are worsened by cold, damp weather in the northern climates. I suffer from Seasonal Affective Disorder (SAD), also called winter depression or winter blues. Winters in Oregon and much of the Pacific Northwest are gray and dreary, with endless days of cloudy skies and rain or snow. Months of this cloudy, wet weather, a lack of sunshine, and being trapped indoors can bring on winter blues, now recognized as a common disorder. Jon and I both experience some of the symptoms of SAD during the winter and have found that spending time in sunny Mexico helps combat the depression. In addition, I found that as I aged I didn't tolerate the cold well. The warmth in Mexico helped that, as well. We decided that living in Mexico during the winter was the best treatment for SAD and cold intolerance. Early retirement would allow us to do that.

5. I May Become Seriously Ill, Disabled, or Possibly Die Before I Reach the Full Retirement Age of 66


This may sound morbid and pessimistic. But working as a pharmacist from the time I was 23 years old has shown me that many people face unexpected illness or accidents that leave them disabled at a young age. I've seen many others who expected to retire at the the age of 66, begin collecting Social Security and their retirement benefits, and enjoy the good life, only to be diagnosed with a terminal illness at a younger age. I became determined to live the good life along the way as much as possible. And then I was diagnosed with a potentially life-threatening cancer. That was my wake-up call. Retirement before the age of 59 sounded better than ever!
We Want to Enjoy the World While We Are Young & Healthy

6. I Want to Spend More Quality Time with My Husband, Children, Grandchildren, and Mother


Freedom from our jobs would allow us to travel more to visit our family members. My mother and our children were spread across the country from Oregon to North Carolina. Our three granddaughters were growing up fast and we didn't want to miss out on their childhood. We wanted to travel to where they live and spend a week or more at a time with each one. Retirement would allow us to visit our family members for longer periods of time!


7. I Want to Spend More Time Doing What I Enjoy

I want to stop saying "I'll do that someday". I want to do the things I enjoy now, such as traveling, reading, rollerblading, bicycling, hiking, listening to live music, going to Zumba and yoga classes, and writing! One of our favorite things is to "Follow the Music".  Early retirement would allow us plenty of time to travel to concerts around the country.
Boondocking in the Redwood Forest at the Subdudes Concert
     The balance tipped in favor of early retirement! There were 7 reasons to retire before the age of 59 and only 5 reasons not to. 
     I read my list of reasons to retire early and I felt that each reason was important and real. These were the reasons WHY I would retire soon. I made the decision that I would retire before the age of 59 and enjoy my retirement years. Once I made my decision, I felt free! I told my husband, Jon, that I hoped he would retire at the same time that I did, when he was 64 years old. He agreed, though he was worried about the HOW of retirement when we definitely did not have the recommended amount of money set aside. I told him that we would figure it out, just like we have with every challenge we have faced, with perseverance. And we did! More about that in future blog posts....

Additional Justification for Early Retirement

     I was happy to read a recent article by John Maxfield of "The Motley Fool" that helped validate my own decision to begin retirement early. The article was called "Why Smart People Take Social Security Benefits Early" and actually refers to starting to take Social Security payments at the earliest age possible, 62, not about retiring before 59 like I am. But, at least I felt better knowing that I only have to survive on my investment income for three and a half years before the Social Security Administration makes my retirement more comfortable. My favorite quote from "The Motley Fool" was "taking benefits early has less to do with fancy breakeven analysis and more to do with your personal goals for retirement. If you can wait to take Social Security benefits, that's great. Go ahead and do so. But if you can't or don't want to, then there's no reason to second-guess your decision to take them early." To read the entire article, click HERE .
   Jon was relieved to read "The Motley Fool"'s opinion also since he had decided to begin taking his Social Security payments at the age of 62 after agonizing over the decison for a year. Once he had been receiving monthly payment checks for over two years, he felt comfortable retiring from his work as a building contractor. We both decided to retire early, and I'm glad we did. After all, we do everything together, and I'm glad we do.