Workers don’t always get to decide when to retire. In fact, among Americans who enter into their 50s with stable employment, around 56% end up being forced out of their job involuntarily.
The consequences of this can be dire, and go beyond the financial, as many older Americans who were forced to retire experience higher rates of depression, anxiety, and alcoholism, along with reduced well-being.
For some retirees, it’s the loss of purpose that’s the morale killer, and finding a hobby can be critical. But what happens if that hobby is micromanaging the lives of your adult children?
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Let’s pretend, for example, that Yolanda is 33 and her dad Mateo was forced to retire early — but has now made “helping” her his new full-time “work.” What should Yolanda do about the situation to avoid making her dad feel even worse, while preserving her own sanity?
Understand where Dad is coming from — and why it’s making her upset
Getting a better grasp on the issue is the first thing that Yolanda needs to do. That means examining her own emotions and her dad’s motivations.
“Get clear on what is actually driving you crazy and why,” Mary McLaughlin, a licensed clinical social worker, told Moneywise.
“Is Dad overstepping into areas of your life that feel private? Is his ‘help’ creating more work for you? Is he offering the kind of help he wants to give rather than paying attention to what you really need? Knowing exactly what bothers you makes it easier to set a boundary instead of just telling him to stop helping,” McLaughlin said.
Kiki Jacobson, a licensed mental health therapist at YourMoneyCounselor.com, also stressed the importance of looking at the situation from dad’s perspective, as Mateo may be among the retirees who struggle with leaving the workforce behind.
As many as 92% of retirees report that having a purpose is key to a successful retirement, while studies have shown that retirement can often have an adverse impact on a retiree’s sense of purpose when they no longer have the structure or goals their job once offered. And while some retirees did end up happier, the improvement in their quality of life was largely rooted in strong family relationships. Dad may be searching for these connections to replace what he lost.
“Dad might genuinely be trying to feel useful in his retirement or feel that he is giving his daughter the kind of support he wishes someone had given him when he was raising children. Well-intentioned but failing to recognize that his daughter has her own way of doing things and may experience his involvement as more disruptive than helpful,” Jacobson told Moneywise.
Jacobson recommended asking Mateo some questions to get a deeper understanding of his intent, such as asking whether he feels like he has enough to keep him busy, why he’s suddenly so interested in helping, or how he’s feeling about retirement.
“You can have compassion for his intentions without giving up the boundaries you need to protect your peace and privacy,” said McLaughlin.
Help Dad find the right way to fill his time
While Yolanda may feel overwhelmed by what Mateo is offering, McLaughlin believes there’s likely a middle ground. “Step out of all-or-nothing thinking,” she said. “You don’t have to choose between letting Dad help with everything or shutting down his mission completely.”
McLaughlin suggested focusing Mateo’s attention on the things that Yolanda actually wants help with, and Jacobson agrees.
“You can try to communicate specific guidance on the things you actually need and want help with,” Jacobson suggested. “For example, ‘Could you hang up these picture frames after the kids get up from their nap?’ or ‘Can you mow the lawn this weekend?’”
“Help doesn’t feel helpful when it’s based on what the giver wants to give and not what the other person really needs. Figure out where his help actually feels helpful,” advised McLaughlin. “Being honest about what you actually need gives him a better chance of accomplishing what he’s trying to do in the first place.”
McLaughlin explained that “Avoiding the conversation may feel kinder in the moment, but it can allow resentment to build and frustration to come out in other ways. He can’t adjust his behavior if he doesn’t know what isn’t working. Have the conversation, but lead with appreciation and then be specific.”
Of course, Yolanda may always want less help than her eager Dad is willing to offer. In this case, Jacobson has another suggestion for channeling his energy. “You can also try to encourage him toward things that aren’t you, such as friends, hobbies, volunteering, projects, travel, exercise, whatever interests him.”
The reality is that high social engagement has been linked to a 42% lower mortality risk than low engagement, while chronic loneliness can have the same damaging impact as smoking 15 cigarettes per day. So, Yolanda should encourage Dad to find connections from as many sources as possible, especially if she feels she doesn’t want to be his sole focus.
Traveling, finding friends, and providing Yolanda with some occasional targeted help can enable Mateo to stay healthier to avoid big medical bills, and perhaps give his daughter a little break. So, hopefully, taking some of the steps can help Mateo find his groove again, without Yolanda having to give up her autonomy and make Mateo the new CEO of her life.
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Christy Bieber has 15 years of experience as a personal finance and legal writer. She has written for many publications including Forbes, Kilplinger, CNN, WSJ, Credit Karma, Insurify and more.
