Sesimpel Ini 3 Tahapan Ketika Pensiun

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Pensiun merupakan salah satu tahapan yang pastinya setiap orang yang bekerja lewati. Masa pensiun merupakan masa peralihan dari seseorang yang sebelumnya produktif, jadi kurang produktif. Kabar buruknya banyak orang merasa takut saat masa pensiun tiba, karena merasa persiapan yang masih kurang seperti persiapan jasmani, rohani serta keuangan.

Untukmu yang masih dalam umur produktif, tahu 3 fase pensiun supaya bisa mempersiapkan diri di kala mengalami pensiun.

#1 Fase Pra Pensiun (Pre- Retirement Phase)

fase pra pensiun (pre-retirement phase) merupakan fase awal menjelang masa pensiun. Masa ini dipecah jadi 2 tahapan utama ialah remote serta near retirement.

Tahapan Remote

Sesi ini sering kita artikan sebagai tahap pertamamu saat mulai melakukan pekerjaan pertama, misal kamu memulai pekerjaan pertamamu di usia 25 tahun. Masa ini secara langsung akan berakhir antara usia 45 – 50 tahun, yaitu menjelang masa-masa pensiun.

Tahapan Near-Retirement

Tahapan near–retirement merupakan sesi ketika seorang telah mulai mendekati masa pensiun, antara umur 45– 50 tahun. Orang mulai sadar mereka akan pensiun dan memulai lembar kehidupan baru yang pastinya harus menyesuaikan diri dengan lingkungan sosial, keadaan emosional, keadaan keuangan, dan lainnya.

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#2 Fase Pensiun (Retirement Phase)

Rata-rata umum usia pensiun di Indonesia berkisar di angka 55 tahun. Saat usiamu 55 tahun, Kalian secara langsung memasuki fase pensiun. Fase ini dipecah jadi 4 sesi, yaitu:

Tahapan Honeymoon

Tahapan honeymoon merupakan fase yang menjembatani antara masa kerja dengan masa pensiun. Pada tahapan ini, seorang mulai merasa senang karena mempunyai banyak waktu, tidak wajib bangun pagi, tidak butuh cek email, tidak wajib mempersiapkan bahan meeting serta lain sebagainya.

Pada biasanya orang hendak mencari banyak aktivitas baru, misal mulai merenovasi rumah, mencari hobi baru, travelling bersama pendamping ke luar negara serta lain sebagainya. Tahapan ini biasa kita sesuaikan dengan lifestyle, keadaan kesehatan serta finansial seorang. Fase ini biasa berjalan sepanjang 6 – 12 bulan pasca pensiun.

Tahapan Disenchantment

Atau sesi kekecewaan, adalah tahapan ketika orang akan kembali merefleksi keputusan-keputusan serta merasa ragu dengan kondisinya saat ini. Terdapat sebagian orang yang merasakan tekanan mental di kala merambah masa disenchantment, misal post power syndrome, merenggangnya hubungan pertemanan karena tidak jarang bertemu, dan lainnya.

Tahapan Reorientation

Seorang yang sukses melewati sesi disenchantment, setelah itu hendak memasuki sesi baru, reorientation. Pada sesi ini, mereka mulai bangkit serta membetulkan keadaan di kala itu, dan membuat hidup jadi lebih bermakna. Umumnya pada sesi ini, seorang berada pada titik kedewasaan serta kebijaksanaan baru. Orang tersebut akan mulai melangkah dengan lembaran baru serta semangat baru pula. Salah satu contohnya merupakan mereka hendak menuangkan pemikirannya dalam karya seni, tulisan, jadi bagian dalam aktivitas sosial serta amal, dan kegiatan-kegiatan yang lain.

Tahapan Retirement Routine

Tahapan akhir (retirement routine) ini merupakan meneruskan sisa hidup dengan misi terakhirnya.

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#3 Fase Pasca Pensiun (Post Retirement Phase)

Pada sesi ini, seseorang akan mulai ketergantungan pada orang lain karena faktor usia. Orang yang masuk di fase ini, telah tidak lagi memikirkan pensiun ataupun permasalahan yang lain. Sebagian orang telah mulai pikun, keadaan kesehatannya menyusut serta lain sebagainya.

Sikap Menghadapi Masa Pensiun

Fase-fase yang telah kita jelaskan di atas pastinya akan Kamu alami saat pensiun nanti. Untuk menyikapi fase pensiun tersebut, Kamu dapat menyiapkan beberapa hal agar ketika pensiun nanti Kamu tidak banyak mengalami hal-hal sulit terutama secara finansial. Tidak ada salahnya untuk menikmati hidupmu saat tua nanti, tapi Kamu harus tetap ingat bahwa Kamu butuh biaya untuk memenuhi kebutuhan hidup. Kamu bisa mulai untuk memikirkan usaha atau bisnis baru yang sesuai dengan kemampuanmu agar Kamu tetap memiliki pendapatan dan tidak merasa cemas ketika sudah tidak bekerja lagi. 

Jika saat ini kamu bekerja, segera buat perencanaan keuangan yang baik untuk mempersiapkan masa pensiun. Mulailah untuk menyisihkan beberapa uang untuk beramal dan berinvestasi. Hal ini penting agar kondisi finansialmu dapat stabil dan tidak tegerus inflasi. Alangkah baiknya jika Kamu memiliki aset atau sumber pemasukan lain agar kamu punya persiapan yang baik ketika pensiun. 

Sumber:

https://www.finansialku.com/3-fase-penyesuaian-diri-saat-seseorang-memasuki-masa-pensiun/

Penulis:

Kategori: Investasi

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