Are You Living for Right Now?

work life balance

Are you living in the moment? Are you taking advantage of every day you have left? Or are you planning for some future date like retirement?

Too many entrepreneurs and business owners live for the future, perhaps when they can retire. Unfortunately, that future keeps getting farther and farther away.

Approximately 78 million Americans comprise the Baby Boomer demographic. If you are one of the many born after World War II, then you were likely brought up as I was … believing that you had to make sacrifices to get ahead and earn a respectable living.

Our generation was taught from a tender age to place the highest value in family, friends, and community as well as hold honesty, integrity and ethics in high esteem. Those of us who “live the dream” according to Boomer standards consider ourselves ambitious, disciplined, willing to sacrifice and able to conform (if and when we have to). We maintain loyalty to our commitments — often willingly bearing the financial responsibilities of those who came before us and those who come after. We grow concerned as the next generation shapes their own set of values which sometimes appear to contradict that which we’ve been taught.

The values and beliefs of the Baby Boomer generation were handed down to us from our parents, many of whom survived the post-war era and Great Depression. The underlying message became loud and clear, and formed a blueprint for life: If I just work hard enough and long enough, my life will turn out just fine — eventually — and it will all be worth it in the end.

Many of us do not fit or identify with the generation we are born into.

Additionally, for many of us approaching what most would have considered retirement age ten or fifteen years ago, the finish line is nowhere in sight. According to a survey conducted by AARP, “79 percent of Boomers plan to work in some capacity during their retirement years.” And for good reason — first, because Americans are enjoying longer, healthier lives — seniors are more active than ever before. Second, because the pension pan of the future is reward-based — the longer you can hang in there, the bigger the payout. And third, those of us born after 1960 won’t be entitled to full Social Security benefits until after we turn 67.

You may have your own reasons for choosing to extend your working years. It’s different for each individual but no matter what the situation, clearly Baby Boomers aren’t ready to call it quits just yet. But now the question looms: how to continue experiencing happiness and fulfillment in your personal and professional life well into the Golden Years?

Tips to Live in the Moment for Boomer Entrepreneurs

Enjoy a vibrant second half of your life – and still get your fill of work and play along the way, with these tips:

Start Living for the Now

Think about this: if we keep sacrificing today in anticipation of some expected gain in the future, we really haven’t started living life at all.

In my case, I dreamed of one day not needing to work and having lots of money when I retired. In other words, I was working hard today with the notion of giving up work in the future. But as I trudged home from the office at 8:00 or 9:00 p.m., I wasn’t really putting too high a value on the future. I was thinking about how things weren’t so great in the now.

I realized that my true vision was to have time to enjoy the things that are most important to me — family, friends, and community. Many Baby Boomers like me have since abandoned the tireless work ethic carried over from their post-WWI parents, recognizing that times and priorities have changed. There is no guarantee as to what the future will hold. Best to take a proactive position and begin living for the present.

Cash Flow Your Life

Initially, retirement was designed for those who reach a point in life at where a person is unable to earn a wage. Somewhere along the way the word ‘early’ became attached to it. Early retirement became a symbol of wealth, power and status. If you are anything like I am, you likely hope to stay healthy enough to have 20, 25, or more working years left in you. Maybe you even feel that in this day and age, you have more energy, ideas, and optimism, as well as experience, maturity, and patience, than at any other time in your life. And in support of that ideal, never before have we faced so many exciting opportunities to do and be what we have always dreamed of for ourselves and our lives.

My current mission, as should be yours, is to cash flow my life so that I can do what’s important to me. I plan to derive continuing happiness and fulfillment in both my personal life – in my relationships with family and friends — and in my professional life — utterly inspired by the people I meet along the way. Such an approach can carry you on through the ‘retirement’ years and grows from learning how to make mindful, conscious decisions about how you invest your money and time.

From there, you can keep your eyes open for opportunities that may mean more financial gain. Using knowledge, experience, and social influence to your advantage, you can even devise creative means of alternate income (example: become an entrepreneur) that may not have been a possibility in your younger years.

Once you master cashflow management, you pretty much have your pick of pursuits. Open your mind to a new course of study … give back in the form of volunteer work or charitable donations … spend more time with family and friends … take on the challenge of starting a business … travel the world over and immerse yourself in other cultures and ways of life. The notion that Boomers are retiring later may falsely convey a sense of impending doom … but for many of us, myself included, the next fifty years are ripe with the promise of adventure, excitement, balance, relaxation, learning, quality relationships, personal growth, and the realization of our dreams.

Stay up to Date with Technology

Take a computer class … or five. An old episode of NBC’s The Office pokes fun at what is actually a pretty major concern in the working world today. Young, motivated, recent college grads move in for the higher-paying positions and render the old generation obsolete due to their inability or unwillingness to adapt to modern technology. But the fact is, technology has evolved to a point where four-year olds know that whatever they could possibly want is within grabbing distance of the mouse.

As soon as the Boomers manage to get over their fear of computers, we’ll realize that in terms of technology there’s nothing we can’t master — and we’ve still got the kids beat when it comes to experience. Request a tech training course from your employer. Use the latest apps and sites. You won’t believe how many more opportunities can be leveraged with technology on your side.

Maintain Your Health

There is a ton of information available to those concerned with living longer, healthier lives — and the ways and means to keep yourself feeling young and spry well into your seventies. Things like a good healthcare plan and trusted physician, prescriptions, vitamins, nutritional advice and support, and exercise programs can keep your heart pumping, your bones strong, and your organs in good shape for as many as 15 or 20 years longer than our parents’ generation. Our parents were not privy to all the information we have available today.

And the best part is: being healthy and fit just feels better. It means being able to tackle all the sights, sounds, scents and tastes on that to-do list of Things You Want to Experience in this lifetime. It means keeping up with the young folk and not breaking a sweat. A healthy body also means a fit and able mind. And with all of this working, playing, thinking, feeling and living ahead of us, can we afford to NOT be on High Mental Alert?

Last time I checked, “retire” was another word for ‘withdraw’ or ‘remove from use.’ And I don’t know about you, but at age 47, I’m nowhere near my expiration date.

How are you blending life and work?

Work life balance image via Shutterstock


11 Reactions
  1. Although I am not a baby boomer, you make some really good points David. A lot of good advice, especially living for now. I don’t want to have any regrets later in life.

  2. Dave, I certainly do agree with Amanda that the points you make here are very good. “Retire” is not in my dictionary and I am a baby-boomer. I love the new technology and what it has to offer and have mastered many great projects on my computer…self taught. A healthy mind makes for a healthy body.

  3. Amanda,

    Thank you for your thoughts.

    I’m a Boomer by demographic, but often times not by psychographic (lifestyle characteristic). And the lifestyles of Boomers are adapting and changing along with today’s workplace, traditional family roles, and the world in general as we know it with advances in technology.

    None of us want to feel regretful for the moments we missed in life by not living in the now, especially with those we hold near and dear.


  4. EJMalyn,

    Thanks for weighing in.

    Technology is indeed a wonderful thing as it evolves with us – meeting our needs to get things done and enjoy our leisure. Good for you for embracing it and ‘having a hand’ in it.


  5. David,

    I am currently dipping my big toe into the ‘second half of my life’. After being a mom for 20 years, I am back in the work force, mostly because I felt that there was “more”. While I’m certainly not in my be-all end-all job, I really like being back in the work force, and earning a check again.

    I am also becoming more computer proficient, and am enjoying learning new tricks!

  6. Vicki,

    Thank you for taking the time to comment.

    Good for you! many of us certainly do want more. I began my current career two years ago at the not-so-spry age of 45 for the very same reason. For me, it was more time with my family, a more rewarding and fulfilling vocation, and more flexibility to do what I wanted where I wanted.


  7. There’s a lot to be said for “living for the now.” That’s why I love the idea of integrating life and work together into entrepreneurship.

    When you run your own business you can make choices over how you use your time — that’s the best part. If you choose to take a few hours to handle something personal during the middle of the day, it’s yours to choose. If you decide to take Friday afternoon off to golf and then work Saturday morning instead, it’s yours to choose.

    It’s not about letting work take over your life. Rather it means not having to put your personal life on hold for 10 hours each day while you trudge off to work, or keeping two parts of your life artificially separate. Instead you can integrate them.

  8. Anita,

    Very eloquently stated.

    So much of today’s work-life discussions center around defining what ‘work-life balance’ actually represents.

    The fact is that, if you’re an entrepreneur, work-life balance represents a way of life – building and preserving a quality of life by that allows you the opportunity to live YOUR life YOUR way.

    For me, the concept of ‘balance’ simply means being careful to avoid the extremes, and choosing an entrepreneurial lifestyle helps me to keep things in balance: work-life balance, work-family balance, and my overall life balance.


  9. Dave,
    I am a Baby Boomer and you have made some interesting points. One thing you left out, Baby Boomers are just starting to comprehend spiritual issues because their children are making a move to spirituality. Just look at Joel Osteen and Rick Warren. Rick, a Baby Boomer and Joel may not be a Boomer.

    It appears the Baby Boomer’s children are more spiritually active. Is this increased interest in spiritual matters because ‘formal’ religion was shoved down Baby Boomer’s throats and they rebelled when old enough to act? How does faith influence Baby Boomer decisions? Would Baby Boomers consider their children more spiritually aware than them self?

  10. Thank you for this very inspirational article. We strive so hard for a protective future, that we put everything that is in the present on hold. It is important to maintain a healthy balance in life where we are at least comfortable if not living luxuriously in life. Compensation should be measured in wealth, health, socializing, and self-exploration throughout a lifetime altogether.

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