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How old’s too old to be a doctor? Why GPs and surgeons over 70 may need a health check to practise

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/christopher-rudge-108366">Christopher Rudge</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>A growing number of complaints against older doctors has prompted the Medical Board of Australia to <a href="https://www.medicalboard.gov.au/News/2024-08-07-Medical-Board-consults-on-new-approach-to-keep-late-career-doctors-in-safe-practice.aspx">announce</a> today that it’s reviewing how doctors aged 70 or older are regulated. Two new options are on the table.</p> <p>The first would require doctors over 70 to undergo a detailed health assessment to determine their current and future “fitness to practise” in their particular area of medicine.</p> <p>The second would require only general health checks for doctors over 70.</p> <p>A third option acknowledges existing rules requiring doctors to maintain their health and competence. As part of their <a href="https://www.medicalboard.gov.au/Codes-Guidelines-Policies/Code-of-conduct.aspx">professional code of conduct</a>, doctors must seek independent medical and psychological care to prevent harming themselves and their patients. So, this third option would maintain the status quo.</p> <h2>Haven’t we moved on from set retirement ages?</h2> <p>It might be surprising that stricter oversight of older doctors’ performance is proposed now. Critics of mandatory retirement ages in other fields – for judges, for instance – have long questioned whether these rules are “<a href="https://law.unimelb.edu.au/__data/assets/pdf_file/0019/2061019/02-Blackham.pdf">still valid in a modern society</a>”.</p> <p>However, unlike judges, doctors are already <a href="https://www.medicalboard.gov.au/Registration/Registration-Renewal.aspx">required to renew their registration</a> annually to practise. This allows the Medical Board of Australia not only to access sound data about the prevalence and activity of older practitioners, but to assess their eligibility regularly and to conduct <a href="https://www.ahpra.gov.au/Notifications/Further-information/Guides-and-fact-sheets/Performance-assessments.aspx">performance assessments</a> if and when they are needed.</p> <h2>What has prompted these proposals?</h2> <p>This latest <a href="https://www.ahpra.gov.au/documents/default.aspx?record=WD24%2f33840&amp;dbid=AP&amp;chksum=vCEdxXaBs0%2bMeMZFxSb7SQ%3d%3d&amp;_gl=1*3ol06k*_ga*MzU1NjAzMTc1LjE3MjMwMDA1Nzc.*_ga_F1G6LRCHZB*MTcyMzAwMDU3Ny4xLjEuMTcyMzAwMDU4My4wLjAuMA..">proposal</a> identifies several emerging concerns about older doctors. These are grounded in external research about the effect of age on doctors’ competence as well as the regulator’s internal data showing surges of complaints about older doctors in recent years.</p> <p>Studies of medical competence in ageing doctors show <a href="https://qualitysafety.bmj.com/content/29/2/113">variable results</a>. However, the Medical Board of Australia’s consultation document emphasises studies of neurocognitive loss. It explains how physical and cognitive impairment can lead to poor record-keeping, improper prescribing, as well as disruptive behaviour.</p> <p>The other issue is the number of patient complaints against older doctors. These “notifications” have surged in recent years, as have the number of disciplinary actions against older doctors.</p> <p>In 2022–2023, the Medical Board of Australia took disciplinary action against older doctors about 1.7 times more often than for doctors under 70.</p> <p>In 2023, notifications against doctors over 70 were 81% higher than for the under 70s. In that year, patients sent 485 notifications to the Medical Board of Australia about older doctors – up from 189 in 2015.</p> <p>While older doctors make up only about 5.3% of the doctor workforce in Australia (less than 1% over 80), this only makes the high numbers of complaints more starkly disproportionate.</p> <p>It’s for these reasons that the Medical Board of Australia has determined it should take further regulatory action to safeguard the health of patients.</p> <h2>So what distinguishes the two new proposed options?</h2> <p>The “fitness to practise” assessment option would entail a rigorous assessment of doctors over 70 based on their specialisation. It would be required every three years after the age of 70 and every year after 80.</p> <p>Surgeons, for example, would be assessed by an independent occupational physician for dexterity, sight and the ability to give clinical instructions.</p> <p>Importantly, the results of these assessments would usually be confidential between the assessor and the doctor. Only doctors who were found to pose a substantial risk to the public, which was not being managed, would be obliged to report their health condition to the Medical Board of Australia.</p> <p>The second option would be a more general health check not linked to the doctor’s specific role. It would occur at the same intervals as the “fitness to practise” assessment. However, its purpose would be merely to promote good health-care decision-making among health practitioners. There would be no general obligation on a doctor to report the results to the Medical Board of Australia.</p> <p>In practice, both of these proposals appear to allow doctors to manage their own general health confidentially.</p> <h2>The law tends to prioritise patient safety</h2> <p>All state versions of the legal regime regulating doctors, known as the National Accreditation and Registration Scheme, include a “paramountcy” provision. <a href="https://www8.austlii.edu.au/cgi-bin/viewdoc/au/legis/act/consol_act/hprnl428/s3a.html">That provision</a> basically says patient safety is paramount and trumps all other considerations.</p> <figure class="align-center zoomable"><figcaption></figcaption></figure> <p>As with legal <a href="https://legislation.nsw.gov.au/view/html/inforce/current/act-2010-104a#sec.3">regimes regulating childcare</a>, health practitioner regulation prioritises the health and safety of the person receiving the care over the rights of the licensed professional.</p> <p>Complicating this further, is the fact that a longstanding principle of health practitioner regulation has been that doctors should not be “<a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3383892">punished</a>” for errors in practice.</p> <p>All of this means that reforms of this nature can be difficult to introduce and that the balance between patient safety and professional entitlements must be handled with care.</p> <h2>Could these proposals amount to age discrimination?</h2> <p>It is premature to analyse the legal implications of these proposals. So it’s difficult to say how these proposals interact with Commonwealth age- and other anti-discrimination laws.</p> <p>For instance, one complication is that the federal age discrimination statute includes an exemption to allow “qualifying bodies” such as the Medical Board of Australia to discriminate against older professionals <a href="https://www8.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/ada2004174/s22.html?context=1;query=inherent;mask_path=au/legis/cth/consol_act/ada2004174">who are</a> “unable to carry out the inherent requirements of the profession, trade or occupation because of his or her age”.</p> <p>In broader terms, a licence to practise medicine is often compared to a <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6797044/">licence to drive</a> or <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10236877/">pilot an aircraft</a>. Despite <a href="https://www.smh.com.au/national/nsw/mandatory-test-older-drivers-facing-discrimination-says-pensioner-group-20170607-gwm45u.html">claims of discrimination</a>, New South Wales law requires older drivers to undergo a medical assessment <a href="https://www.nsw.gov.au/driving-boating-and-transport/driver-and-rider-licences/older-drivers-and-riders/assessments">every year</a>; and similar requirements affect older <a href="https://www.google.com/url?sa=t&amp;source=web&amp;rct=j&amp;opi=89978449&amp;url=https://www.casa.gov.au/guidelines-medical-assessment-aviation&amp;ved=2ahUKEwil-9GXlOKHAxUdslYBHdN_EboQFnoECBkQAQ&amp;usg=AOvVaw0SgpoCCKjNriMN20fs16rq">pilots and air traffic controllers</a>.</p> <h2>Where to from here?</h2> <p>When changes are proposed to health practitioner regulation, there is typically much media attention followed by a consultation and behind-the-scenes negotiation process. This issue is no different.</p> <p>How will doctors respond to the proposed changes? It’s too soon to say. If the proposals are implemented, it’s possible some older doctors might retire rather than undergo these mandatory health assessments. Some may argue that encouraging more older doctors to retire is precisely the point of these proposals. However, <a href="https://www1.racgp.org.au/newsgp/professional/ahpra-eyes-mandatory-health-checks-for-older-gps">others have suggested</a> this would only exacerbate shortages in the health-care workforce.</p> <p>The proposals are open for <a href="https://www.medicalboard.gov.au/News/Current-Consultations.aspx">public comment</a> until October 4.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/236305/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/christopher-rudge-108366">Christopher Rudge</a>, Law lecturer, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-olds-too-old-to-be-a-doctor-why-gps-and-surgeons-over-70-may-need-a-health-check-to-practise-236305">original article</a>.</em></p> </div>

Body

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Why all women over-60 need to practise self-care

<p><em><strong>Dr Rhonda Anderson is an exercise physiologist specialising in healthy ageing for women. In her new book, </strong></em><strong>Life After Menopause: 5 Key Habits of Healthy, Vital Older Women</strong><em><strong>, she shares her expert tips for older women wanting to improve and maintain their mental and physical wellbeing.</strong></em></p> <p>Self-care involves nurturing our physical and mental health to keep our personal energy levels topped up. Think sleep, physical activity, quality food and drink, and time to relax and revive.</p> <p>Relaxation and revival looks different for each of us. For example, depending on your inclination, it might include having a massage, spending time with the people closest to you, listening to music, getting outside, meditating or making art.</p> <p>We need to be intentional about including enough self-care in our lives to not only keep our daily and weekly stress levels in check, but to also keep our energy levels topped up so we have a buffer.</p> <p>Dr Michelle Segar refers to our personal energy levels as our ‘fuel tank’. A full fuel tank gives us the resilience to manage the ups and downs of day-to-day life.</p> <p>When our fuel tank is full we feel more happy, energetic, present, clear, engaged, resilient, positive, productive and able to manage day-to-day frustrations.</p> <p>But many of us think that self-sacrifice and hard work are what make a good mother, wife, partner or employee. This attitude isn’t original, of course. It’s probably been handed down by our mothers, who learnt it from their mothers. The trouble is that being a ‘good girl’ who does the ‘right thing’ can suck the life out of us — and the fuel out of our tank.</p> <p>When we don’t prioritise ourselves we end up feeling wrung out. That’s because we’re always on the go with no time to restore ourselves. Recent Australian data show that just over 45 per cent of women say they feel rushed ‘always or often’. In the process we forfeit our health.</p> <p>We also need to learn to prioritise what matters. Some of us start each day on automatic pilot and bulldoze our way through to bedtime without much thought for what’s really important. This is draining and eventually wears us out.</p> <p>Dr Libby Weaver calls it Rushing Women’s Syndrome, in her book of the same name. She argues that it comes from our “relentless pursuit to never feel rejected”, which starts in girlhood as we chase the love of our parents, especially our fathers. Many of us never learn any other way to function.</p> <p>The feeling of being needed and good enough comes at a price though. Rushing Women’s Syndrome outlines the many health consequences of always being ‘on’. In addition, we can be 50, 60 or older and have no idea how to really take care of ourselves — or we might never have given ourselves permission to be nurtured.</p> <p>When your fuel tank is topped up you’ll not only be a more pleasant person to be around, you’ll be better able to carry out your role as a partner, parent, grandparent, daughter, sister, professional, friend, and so on. We’re of more use to others when we’re strong and healthy.</p> <p>You’ll also have more capacity to listen to your body. When we’re run ragged we don’t pay attention to its stress signals, such as physical tension, anxiety, tiredness, flatness or depression. If we keep ignoring them eventually something escalates until we’re forced to deal with it.</p> <p>While self-care is basic to our wellbeing, it’s a broad umbrella that includes behaviours such as setting boundaries, accepting and asking for help, trusting your intuition, expressing your emotions and creating a support team. Let’s take a look at each of them.</p> <p><strong>Self-care means setting boundaries</strong></p> <p>Setting boundaries means preserving your wellbeing by saying no at times, and that can take courage. “Thanks for thinking of me, but it doesn’t suit me to join the committee.”</p> <p>Prioritising self-care represents a fundamental change for some of us, and we can expect to feel awkward, guilty or selfish at first. If we’ve trained the people around us that we behave in a particular way, we need to expect a reaction if we start to behave differently. Some people in your inner circle might not be enthusiastic about a change in what they’re used to, so you might need plenty of nerve to stick to your guns.</p> <p>We also need to train ourselves not to automatically give away our time. If you’re asked to do something, it’s OK to say that you need to check your commitments. That gives you time to do that and to think about what you want to do.</p> <p>Sometimes it’s possible to come up with a compromise that allows everyone to have their needs met sufficiently, e.g. “I can’t spend all day there, but I can help you for a couple of hours.” Remember that it’s important to let people know your commitments. Often they can work around them if they know.</p> <p>One of my clients regards her exercise time as ‘her’ time, and she’s trained her family to respect that. If they want her to do something for them they know she’ll do her utmost, just not during the time she’s set aside for herself.</p> <p>Even when we retire from paid work, creating time for ourselves isn’t necessarily easy. Without work to structure our lives we need to do that ourselves, and we can soon find our days and weeks so full that we wonder how we fitted our work in.</p> <p>The key is to start by carving out time for your self-care needs, and let everything else fall around that. If you say yes to everything else first, assuming there’ll be space left over for you, you might be in for a disappointment. Sometimes family and friends are needy, but remember that you’re better able to provide support when your tank is full.</p> <p>If your time all seems to be accounted for, go back to the drawing board and take another look at what’s going on. You’ll need to have conversations with family, friends, committee members, and so on. And become terrific at saying ‘no’.</p> <p><strong>Self-care means accepting and asking for help</strong></p> <p>How often does someone ask if you’d like a hand with a task, and you automatically say something like, “Thanks, but it’ll take me no time at all”.</p> <p>Some of us worry about being a burden, or we assume that other people aren’t really interested in helping us. But that has more to do with our view than with reality.</p> <p>So instead of your usual response, stop, take a breath and accept their offer.</p> <p>Independence is wonderful, but we also need capacity to receive. It’s not a sign of weakness or selfishness, and when we can’t receive, we deny other people the opportunity to contribute to us.</p> <p>The next step is asking for help. Try it and you might be surprised. And if the first person says no, ask someone else.</p> <p><strong>Self-care means trusting your intuition</strong></p> <p>This applies in all areas of life, but one place where it’s easy to overlook our intuition is in dealing with the healthcare system.</p> <p>How often have you looked back on an appointment with a health practitioner and realised that you took their recommendation as gospel and didn’t ask the obvious questions? Or you felt uneasy about their recommendation, but went along with it?</p> <p>We can forget that our body belongs to us, rather than to healthcare providers.</p> <p>Here are a few basics to help you stay empowered:</p> <ul> <li><strong>Be proactive: </strong>Assume that there’s no such thing as a stupid question. If you don’t understand something there’s every chance that it hasn’t been explained clearly enough. Don’t be afraid to go to a consultation with a list of what you want to ask, or a notepad to write down key points. Keep copies of your health and medical information for your own records. You’re entitled to have these, so even if your health professional doesn’t offer them, ask. Get second opinions and be willing to switch providers if your needsaren’t being met. If you want to, you have every right to use a combination of mainstream and complementary approaches, so stand your ground if a provider won’t cooperate with the way you want to do things. Follow up. The health system is overloaded, and mistakes are made, so be the squeaky wheel. And if you have a hunch that something isn’t right, follow it up.</li> <li><strong>Do your homework: </strong>The Internet puts information at your fingertips, so take advantage of it. Websites such as WebMD, Mayo Clinic or Jean Hailes will give you good basic information about a condition. It’s also easy to check the manufacturers’ information about medications and their side-effects. Know why your doctor wants you to have particular tests; why you’ve been prescribed certain treatments, medications or supplements; and what you should expect from them. We’re all different, so be observant and notice how you react to these. If anything seems out of the ordinary, make your own notes. This will help your practitioner manage your treatment, but it also increases your knowledge and ownership of your health. Patients who live with their conditions often understand them better than their healthcare providers do.</li> <li><strong>Take your time: </strong>Few decisions need to be made on the spot, so ask for more time if it feels like you’re being led down a path that doesn’t feel right.</li> <li><strong>Bring your mind too:</strong> It’s not just your body that’s involved in various treatment regimes. Your thoughts, feelings and beliefs also play a huge role. Negative emotions can hamper your intention to get and stay well, so be aware of them, and do everything you can to bring a positive approach to the process.</li> </ul> <p><strong>Self-care means expressing your emotions</strong></p> <p>Cardiologist Dr Stephen Sinatra says there’s a huge mind-body component in heart disease, and that deeply negative emotions such as anger, hostility, bitterness, jealousy and lack of forgiveness can increase our release of stress hormone.</p> <p>His advice is that it’s far healthier to experience strong emotion so we can let it go, rather than hanging on to it. Conflict can be a major source of emotional stress, and it’s often hard to be objective about the role we’re playing in it or to let the emotion go. If you’re having difficulty with that, a counsellor or psychologist can help.</p> <p>A loss through the death of a loved one (including a furry or feathered one), a brush with our own mortality or a dramatic change in circumstances can activate our stress hormones in a big way. Make sure you reach out in those times; there are no prizes for being stoic and going it alone.</p> <p><strong>Self-care means having a support team</strong></p> <p>Think about the kinds of people you need to support your health. Your team will probably include professionals, such as your doctor, but each of us will have a slightly different team depending on our needs and inclinations. Your team members might include a counsellor, a masseur, an acupuncturist, an exercise specialist, a dietitian, a naturopath, your partner, your art teacher or your best friend.</p> <p><em>This is an edited extract from </em>Life After Menopause: 5 Key Habits of Healthy, Vital Older Women<em> by Dr Rhonda Anderson, available <span style="text-decoration: underline;"><strong><a href="http://www.fitandwell.com.au/5-key-habits-of-healthy-vital-older-women" target="_blank">here</a></strong></span>.</em></p>

Mind

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Why I practise intermittent fasting

<p><em><strong>Donald Trafton, 81, strolled into his 80th year feeling as alive and vital as ever. It wasn’t a fluke, nor the luck of having good genes. He planned for it, developing a very healthy lifestyle that he’s always fine-tuning. He shares his tips for healthy and happy ageing at <span style="text-decoration: underline;"><a href="http://being80.com/" target="_blank">Being 80</a></span>.</strong></em></p> <p>My wife Victoria and I have been practicing intermittent fasting (IF) for about six months now… with very beneficial results. Don’t you think it’s about time I shared this easy-to-do, beneficial practice with you?</p> <p>According to the publication <strong><span style="text-decoration: underline;"><a href="http://www.health.com/nutrition/intermittent-fasting-diet" target="_blank">health.com</a></span></strong>, “IF is occasional starvation done in a strategic way. Fasting may improve your overall health and extend your life, likely due to the ways that it affects cell and hormone function, according to several studies”.</p> <p>By the way, neither of us feel “starved” in our IF practice, so please don’t reject the idea of periodically skipping a meal, or limiting your eating to certain hours of the day. It’s easier than you may think.</p> <p><br /> An <span style="text-decoration: underline;"><strong><a href="http://fitness.mercola.com/sites/fitness/archive/2017/02/17/intermittent-fasting-promotes-health-longevity.aspx" target="_blank">excellent article</a></strong></span> on IF by Dr Joseph Mercola says in part:</p> <p>“Intermittent fasting gives your body more time to effectively digest what you are eating and eliminate waste. Many biological repair processes take place when your body is in the ‘rest,’ not the ‘digest,’ mode, which is why all-day grazing is a bad for you.</p> <p>The type of intermittent fasting I recommend and personally use involves restricting your daily eating schedule to a specific window of time. Based on the experimenting I have done in recent years, I suggest a six- to eight-hour timeframe in which to consume your daily food intake.</p> <p>Intermittent fasting provides a number of health benefits that most people need, and you and your body are worthy of all of them:<br />     •    Gets rid of stubborn weight and sugar cravings by activating your fat-burning mode <br />     •    Builds muscle and promotes overall health and wellness<br />     •    Enhances brain health and helps prevent neurological disorders like Alzheimer’s<br />     •    Reduces oxidative stress and fights aging, diseases like cancer and stress<br />     •    Delivers an array of physiologic benefits, including lowering triglycerides, reducing inflammation and lessening free-radical damage.”</p> <p>The type of IF program we practice involves an eight-hour (8:00am – 4:00pm) window to consume our daily food intake, then 16 hours (until 8:00am the next morning) with no food intake (only water and tea). We do this once or twice a week.  The 16 hour fasting period seams to provide ample time for all the good gut repairs.</p> <p>Caution: IF is not for everyone. So, while we leaped into the program, we’re advising you to read <span style="text-decoration: underline;"><strong><a href="http://fitness.mercola.com/sites/fitness/archive/2017/02/17/intermittent-fasting-promotes-health-longevity.aspx" target="_blank">Dr. Mercola’s entire article</a></strong></span>, especially “Making Good Food Choices Is Still Important, Important Contraindications for Fasting and If You Take Medication Use Caution When Fasting.” And, maybe even check with your doctor before you start your own practice.</p> <p>So, what are you thinking about an IF program for yourself? Willing to check it out? I hope so. It’s been great for Victoria and me. I’d  love to hear from you.</p> <p><em>Find more from Donald at his website, </em><strong><em><span style="text-decoration: underline;"><a href="http://www.being80.com/" target="_blank">www.being80.com</a></span></em>. </strong></p>

Body

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Should you “practise” retirement?

<p>Instead of working until you retire, why not try this: practising retirement while working.</p> <p>That’s right, working and retiring. Rather than making the big, definitive change to the next stage of your life, you can gradually ease into it and try it on for size before you take the plunge. It’s been called “practice retirement” and to us, it sounds like a much more enjoyable approach to the whole retirement planning endeavour.</p> <p>But how exactly does one practise retirement, and is it even a good idea?</p> <p>Firstly, practice makes us comfortable with change. Think about it: most things we undertake in life, we tend to try it first, before committing. We then practise to get better at it before we’re comfortable in making a deeper commitment.</p> <p>Secondly, there’s many good reasons to gradually introduce yourself to a life of leisure – for both financial and lifestyle purposes. You might find overlooked expenses you did not account for in your retirement planning and with your unlimited leisure time, you may discover your leisurely pursuits don’t hold the same interest as they once did.</p> <p>So rather than go into retirement cold turkey, there are several aspects of retirement you can “practise” before taking the plunge – finances, living arrangements, emotional and physical health, relationships, and so on. Trying out what you plan to do in retirement, but in little dribs and drabs, will make more confident about how you’ll feel and what you’ll do in retirement.</p> <p>Think of it like a “retiree in training” – you’re still working but little by little taking up some retirement activities in your 60s. Practising retirement could be the perfect solution for those who are planning to or need to delay their retirement past the retirement age.</p> <p>Here are a few practice ideas to get you started:</p> <ul> <li>Calculate the amount of money you expect to have in retirement and live off that budget for a month or two. Practising how you’ll live on a reduced income before you actually do will give you the opportunity to iron over any issues that might arise.</li> <li>Decide how you’ll spend your time in retirement. When people haven’t planned their retirement, they often get bored and find they do want some structure and purpose in retirement. Test drive your interests and hobbies – you might find that once you actually give it a go, it isn’t to taste.</li> <li>If you’re keen on moving intestate, to the country or city, or downsizing from the family home, it would be wise to rent a home wherever you want to live (or go on a holiday if you can’t move for longer) to see if you can handle the changes. You might find that the perfect holiday destination might not be the perfect retirement destination.</li> <li>If you like your job (which not everyone always has the pleasure of), and it’s viable, why not consider working on a part-time or casual basis before you retire permanently. Many people find a sense of purpose and identity in their careers so don’t quit your job until you’re comfortable that you will not want to or need to return to it. Working longer also means you can start playing sooner, as your funds are still coming out of your wages, not savings.</li> </ul> <p><strong>Related links:</strong></p> <p><span style="text-decoration: underline;"><em><strong><a href="/lifestyle/retirement-life/2015/12/community-key-to-happy-retirement/">The importance of community in retirement</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="/lifestyle/retirement-life/2015/12/how-to-mentally-prepare-yourself-for-retirement/">8 steps to mentally prepare yourself for retirement</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="/lifestyle/retirement-life/2015/11/what-to-consider-before-downsizing-in-retirement/">6 questions you must ask yourself before downsizing</a></strong></em> </span></p>

Retirement Life

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