Managing a household is as difficult as working outside. Most of the homemakers have no retirement plans and they do not know their financial situation. In recent times many women decide to leave the workforce to take care of their children or care for other family members. Retirement for women managing a house, also becomes imperative as age related physical and mental problems also affect them equally.
By the time women reach the age of 50, they start experiencing bodily changes starting from menopause to various other physical changes that contribute towards age related complications. Continuing to work after a certain age contributes to burn outs. Therefore, retirement is necessary at the right age to feel invigorated. Retirement improves both health and life satisfaction. Traveling, taking up new hobbies and spending time for self-integration helps with the improvement of physical and mental health. But when women work at home, it isn’t considered physically exhausting – in fact it isn’t even considered work. From cooking to cleaning and taking care of the family women well into their 70s do it all.
One of the major problems for homemakers in retirement is financial constraints. Very few people have the financial resources to support an extended retirement. Although house work is quite predictable, it is tiring and takes a heavy toll on your health.
The domestic sphere is generally relegated to women. They should also have an equal amount of time off to concentrate on themselves when they retire. Research shows that women do more work even when men are at home after retirement. It is not a conscious decision on the part of either partner but rather what they have been used to doing. All of these come from the pervasive gender norm. While household work may not be odious, it is surely very tedious. Household work includes laundry, cooking, cleaning, grocery shopping and running various other errands, handling finances and also doing minor home repairs. The male partner can step up a little earlier and be a part of encouraging his wife to cut back.
It would help a retired homemaker to be aware of her financial picture. This includes knowing the household budget. It is often seen that the financial literacy rate is often low as compared to working women. Homemakers should take advantage of a spousal retirement account. Homemakers should also need to set up a financial plan for themselves to remain independent at old age. Retiring from household chores at an appropriate age would help in keeping your physical and emotional balance. Therefore, it is recommended that one should know their body well enough to be aware of what it requires and what is the appropriate age to take a retirement and start concentrating on your health.
While the idea to retire is novel, is it possible? Yes. At Primus, we encourage women to take a break, we ensure that your needs are addressed by a dedicated team so you can focus on the things you want to do and not have to do!
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