You can quit work, but you can quit retirement?

You can quit work, but can you quit retirement? Many people are. Why? The answer is about more than money and may surprise many people who are working hard to plan their dream retirement.

Pulling out of the driveway, my chatty rideshare driver volunteered that he retired a few years ago from the hotel that I had just checked out of.

I just had to quit, he said. Somewhat confused, I ask, Quit what? Working at the hotel?

Looking back at me in his rearview mirror, eyes twinkling, he responded briskly, No, retirement! I just couldnt do it anymore.

While accelerating onto the highway, he explained, It was becoming the same ole same ole. I just had to quit.

You can certainly quit a job but you can also quit retirement, at least in the classic sense of retirement. Psychologists refer to what my driver describes as habituation, when people become accustomed to or no longer react to a situation or stimulus. In short, even retirement, like decades of work before it, can lose its excitement and become what my driver craftily refers to as the same ole, same ole.

In fact, after about a year, nearly 2 in 5 people retire from retirement, at least part time. Its not that people are unhappy in retirement; it is just that they do not anticipate how much time there is in retirement. In my previous Forbes article, I argued that for people in relatively decent health, retirement life might be 8,000 or more days a full one-third of adulthood. Moreover, the big and small things many believed would fill their retirement days either didnt, or their routines became as tedious as the morning and evening commute they toiled for decades and came to loathe when working.

My driver could tell I was somewhere between baffled and amused. He volunteered why he went back to work. He shared, I enjoyed my time away from work for a while but found that I fell into a boring routine. I missed talking to people, meeting new people, and having a reason to go out for other than buying groceries or going to the coffee shop to see the same faces every day.

MassMutual recently released its 2024 Retirement Happiness Study, which reports the perceptions and self-reported behaviors of pre-retirees age 40-plus and people already in retirement. According to Matt DiGangi, Head of MassMutual Strategic Distributors Annuity Distribution, MassMutuals research on retirement happiness underscores the importance of managing expectations and preparing for retirement both financially and emotionally. The happiest retirees invest not just in their financial futures but also in their social circles, pastimes, passions, and physical health long before retirement. MassMutuals data indicate that 77% of pre-retirees believe they will feel happier on any given day in retirement compared to 67% of current retirees who say they are happier.

And what do people anticipate doing in retirement? What activities do they think will make them feel happier? Most (55%) pre-retirees do not see retirement as the end of work. Instead, 38% of pre-retirees view retirement as shifting focus to a new type of work or fulfilling purpose, while another 17% see retirement as simply working less.

The study findings further report that while many retirees had a plan or developed activities to keep them engaged, many were like my driver; they began to suffer from the same ole, same ole. When asked if they experienced more or less boredom, 38% of retirees reported being about as bored as anticipated, and another 16% discovered they were more bored than expected. Of those who returned to work, 83% did so as a choice, not a financial necessity.

The most revealing findings are what people think they will do in retirement versus what they report doing as retirees.

Travel is always a big and stated goal in retirement planning. A full 79% of pre-retirees said that travel was how they planned to spend their free time; instead, 55% of retirees actually reported traveling.

Likewise, 61% of pre-retirees said they will spend more time pursuing hobbies. Retirees are a little less excited about their hobbies in retirement; 52% report they are painting, gardening, and more.

Half (50%) of pre-retirees anticipate getting outside and exploring nature as a pastime; the data show that only a quarter (27%) of retirees actually seek out flora and fauna retirement.

Even volunteering drops from relatively high anticipation to modest participation. Of pre-retirees, 44% expect to volunteer, but only 22% of retirees report volunteering to fill their free time.

So, what are people doing in retirement? In fairness, more than half (56%) of pre-retirees say they plan to watch movies and television. Clearly, the entertainment and advertising industry sees ratings when they see retirees. A full 8 in 10, or 83% of retirees, report spending their free time watching movies and television.

Retirement planning is focused primarily on ensuring financial security. In contrast, longevity planning is about financial security and overall well-being which demands a holistic approach to ensuring enough money and preparing for what to do with the vast wealth of free time found in retirement. Here are four steps to managing the chances of retirement years becoming the same ole, same ole. These steps should begin decades before when you believe your last day of work will be.

A decade or more before retirement, begin noting and discussing with your partner or significant other places and activities that spark your interest and curiosity or simply make you smile.

Years before retirement, translate inspirations collected over time into specific activities, places, and social groups you may wish to pursue. You can begin forging connections to grow your social circle and become familiar with organizations you find interesting for future part-time and even full-time work or volunteering.

As retirement approaches, revisit and review your shared interests with your significant other and how they have evolved over the years. Compare your shared aspirations, expectations, and hesitations.

It's not easy but take retirement out for a test drive. Find time to volunteer, even work part time, or try out a gig job on weekends. If you are thinking you might move in retirement, use some of your banked-up vacation time to experience where you might live. Dont choose a resort hotel but consider renting a home where you might live and do the daily, often boring, life tasks, for example, cooking, cleaning, and shopping. Identify and visit where you might meet new people. Participate in activities that may confirm or negate what you believe today will contribute to a happy retirement tomorrow.

I parted company with my driver at the airport. He smiled as he handed me my bag and said, I think I will find another ride or two, go home, see what the missus is up to, and maybe go back to work for an hour. I work and do what I want on my time now. Its better than being retired.

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4 Steps To Take Decades Before Retirement To Keep It From Getting Old - Forbes

Binances new CEO said the cryptocurrency exchange is a more mature company now.

Speaking with CNBC Tuesday (April 9),Richard Tengacknowledgedconcernsraised by theU.S. Department of Justice which fined Binance $4.3 billion last year over the companys better to ask for forgiveness than permission ethos.

In those very early stages of development Binance was operating in a certain fashion, Teng told CNBCs Arjun Kharpal at the Paris Blockchain Week crypto conference. But we have moved past that. As the company moves into greater maturity, we are looking at sustainability. The direction of travel now is very clear toward much more compliance, which is why were building up a very robust compliance program.

Binance agreed topay the finein November to settle a case brought by the federal government. Former Binance CEOChangpeng Zhaopleaded guilty to failing to establish proper money laundering controls and agreed to resign from the company. He is due to be sentenced in three weeks and could face up to 18 months inprison.

The plea deals marked the conclusion of a lengthy investigation into the worlds largest crypto exchange.

Prosecutors said that Binance under Zhao had prioritized Binances growth over compliance with U.S. law, CNBC reported.

U.S. authorities also accused Binance of permitting transactions between users in the U.S. and those in jurisdictions that were under American sanctions, per the report.

Meanwhile, Binance is contending with legal issues in other countries, such as Nigeria, where its head of financial crime compliance,Tigran Gambaryan, has been charged withtax evasionand money laundering.

Gambaryan, who is a U.S. citizen, has beendetained in Nigeriasince arriving in the country last month after the government said Binance was operating there illegally.

He was taken into custody along with another executive, Nadeem Anjarwalla, a British-Kenyan who is Binances regional manager for Africa. Anjarwallaescaped custodyand fled Nigeria in March. Binance has said Gambaryan was not responsible for any actions by the exchange, as he had no decision-making power in the company.

Both Gambaryan and Anjarwallasuedthe Nigerian government last month, accusing the countrys national security advisor, Nuhu Ribadu, and the Economic Financial Crimes Commission of violating their fundamental human rights. The executives have asked the Federal High Court to order the agencies to release them, return their passports and apologize publicly.

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Binance Is Building 'Robust Compliance Program,' CEO Says - PYMNTS.com

Shiba Inus (SHIB) alternative cryptocurrency, Bone ShibaSwap (BONE), is still a few steps away from the much-anticipated Binance listing. However, the crusade to list Shibariums official gas fee token on the globes largest cryptocurrency exchange by trading volume is starting to bear fruit on Binances Futures NEXT.

Bone ShibaSwaps voting campaign has materialized in Binances nominated tokens pool, where BONE is placed in the 9th position. Since its inception over a month ago, Binance Futures NEXT has given SHIB Army members the opportunity to vote for BONEs inclusion in Binances Futures markets.

Users can nominate their preferred tokens for the Binance listing by depositing a new token in the NEXT pool. If one of the cryptocurrencies on Binances Futures NEXT leaderboard makes the listing, the voters are eligible to secure multiplied voucher rewards.

Currently, Bone ShibaSwap takes the 9th spot with 17,974 Picks. To acquire voting power, users have to deposit BONE onto the platform, while the rewards multiplier of 1.2x is implemented after the nominated token gets the listing. As of press time, 703 people have signed up for BONEs listing on Futures.

While BONE is now officially the gas fee token of Shibarium L2, the initial developer team renounced BONEs smart contract last year. This was said to increase BONEs chances of landing a Binance listing. With a capped max supply of 250,000,000, this raises the question of how Shibarium Layer-2 would handle the rising demand for millions of transactions per day, as BONE is required for Shibariums on-chain transfers.

Meanwhile, on March 26, 2024, Shibarium Layer-2s public blockchain soared to fresh heights in total value locked (TVL). Promising new projects like WoofSwap were onboarded in a coordinated crusade to boost Shiba Inus chain liquidity.

While the $3.9M TVL milestone is impressive, the vast majority of Shiba Inu custodians are putting their hopes in the ground-breaking K9 Finance decentralized application (dApp), which is due to launch in Q3 of 2024.

The K9 Finance program is crucial, as it employs BONE to provide simultaneous staking opportunities via the Liquid Staking Derivatives (LSD) technology. As seen on Lido Protocol and Rocket Pool on Ethereum (ETH), this type of staking model can dynamically diversify digital assets across different platforms to maximize potential revenue.

Bone ShibaSwap facilitates on-chain liquidity on Shibarium; therefore, its acceptance by major exchanges would contribute to a broader adoption of Shiba Inus own Layer-2 network.

Read DailyCoins latest crypto stories: Bitcoin Hits Record 65 Million Ordinals Inscriptions to Date How MetaMask Now Allows Users to Check Airdrop Eligibility

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Is Shiba Inu's BONE About to Be Listed on Binance Futures? - DailyCoin

Recent reports indicated that Binance [BNB] has made significant strides in recovering from its recent challenges.

According to data by CCData, Binance has attracted the highest spot and derivative volume in the last three years. Additionally, its native token, BNB, has managed to maintain its position among the top five assets.

Per the report, combined spot and derivatives trading volume on centralized exchanges surged by 92.9% to reach a new all-time high of $9.12 trillion in March.

Specifically, trading volumes for derivatives reached unprecedented levels, soaring by 86.5% to $6.18 trillion.

The report highlights that Binances spot trading volume surged by 121% to $1.12 trillion in March, marking the highest spot volumes on the exchange since May 2021.

Similarly, derivatives trading volumes experienced a significant increase, rising by 89.7% to $2.91 trillion, achieving its highest levels since May 2021.

This recent data represented a positive development for Binance, which faced challenges to its dominance following regulatory scrutiny from the U.S. Department of Justice.

AMBCryptos analysis of BNBsprice trend showed an eventful month. On the daily timeframe chart, BNB surged to the $500 price region in March and even traded above $600 at certain points during the month.

At the time of this writing, it was trading at around $586, which marked one of its highest points in history, despite its recent decline.

BNB maintained its bullish trend, which began in February, with the Relative Strength Index (RSI) hovering close to 60 at the time of writing.

Additionally, its Moving Average Convergence Divergence (MACD) analysis suggested that the BNB trend is moderately strong.

Realistic or not, heres BNBs market cap in BTCs terms

According to data from CoinMarketCap, Binance retained its position as the fourth-largest cryptocurrency asset.

At the time of this writing, its market capitalization was over $87 billion, despite experiencing a price decline.

Read more:

Binance: All the factors that helped BNB find its footing in 2024 - AMBCrypto News

If you're trying to build endurance, low-impact exercises are a stellar place to start. These exercises offer short and long-term benefits for your body and prioritize joint health. In addition, low-impact training can deliver results comparable to high-impact alternatives while being kinder to your joints. Furthermore, low-impact exercises possess a unique power to elevate and sustain your heart rate, making them perfect for cultivating muscular endurance. That's why I'm here to share 10 of my top-recommended low-impact exercises to build endurance.

Whether you're just starting your fitness journey or a seasoned gym enthusiast, integrating low-impact training into your regimen is a smart move. Allow me to guide you through a handful of my favorite low-impact exercises to build endurance. These can be used for weekly workouts, cardio finishers after a strength training workout, or fun and effective active recovery sessions.

Continue reading for the 10 best low-impact exercises to build endurance. And when you're finished, don't miss these 5 Floor Workouts To Regain Muscle Mass as You Age.

Walking is an excellent choice for a low-impact exercise that effectively boosts endurance. It's accessible to people of all fitness levels and can easily be incorporated into your daily routine.

By maintaining a brisk pace, you can elevate your heart rate and keep it elevated for an extended period, improving cardiovascular health and muscular endurance. Additionally, walking engages multiple muscle groups, including the legs, core, and arms, contributing to overall strength and stamina.

Knock out a 30 to 60-minute walk for a steady-state workout, or ramp up the intensity by performing 10 to 20 rounds of 30-seconds on, 30-seconds off walking intervals at a brisk pace.

Here's How Long You Need To Walk Every Day for Weight Loss

Biking emerges as a stellar choice for a low-impact exercise that significantly enhances lower-body endurance while being gentle on the joints. Whether you opt for outdoor cycling adventures or prefer the controlled environment of a stationary bike indoors, the benefits remain consistent.

Pedaling engages key muscle groups in the legs, including the quads, hamstrings, and calves, fostering strength and endurance development over time. The beauty of biking lies in its versatility; it caters to various fitness levels and preferences, allowing individuals to tailor their workouts to their specific needs.

Hop on a bike for a steady-state workout lasting 30 to 60 minutes to build your endurance base. When you're ready for a new challenge, switch things up with 15 to 20 intervals consisting of 40 seconds of high-intensity effort followed by 20 seconds of an easy pace.

Swimming offers a multitude of benefits for full-body muscular endurance, mobility, and joint health. The resistance of the water provides a challenging yet gentle workout for muscles throughout the body, including the arms, legs, core, and back.

Additionally, the buoyancy of water reduces the strain on joints, making swimming a particularly appealing option for individuals with joint issues or those seeking a rehabilitation-friendly workout. Moreover, the range of motion required for swimming strokes enhances flexibility and mobility, promoting overall physical well-being.

Swim continuously for 20 to 30 minutes at a moderate pace, focusing on maintaining steady breathing and rhythm. Alternate between different strokes (freestyle, breaststroke, backstroke) to engage various muscle groups. An interval option would be to perform 10 to 12 rounds of 50-meter sprints, followed by 20-30 seconds of rest between each sprint. Focus on maintaining high intensity during the sprints, using your preferred stroke or alternating between different strokes for variety.

A 63-Year-Old Yoga Instructor's Top 3 Moves for Better Mobility

A rower is a powerhouse when it comes to boosting full-body endurance while offering the benefits of low-impact exercise for cardio workouts. This versatile machine simultaneously engages multiple muscle groups, including the legs, core, back, and arms, providing a comprehensive workout that improves strength and stamina.

Rowing is gentle on the joints, making it an excellent option for individuals with joint issues or those seeking a low-impact alternative to high-intensity cardio exercises. The fluid, rhythmic motion of rowing promotes cardiovascular health and endurance while minimizing the risk of injury, allowing individuals to push their limits without undue strain.

For an endurance-building workout, row continuously for 20 to 30 minutes at a moderate intensity, aiming to maintain a consistent stroke rate and rhythm throughout. Want a fun interval workout? Alternate between 1:00 of rowing at a high intensity (aim for a stroke rate of 26 to 30 strokes per minute) and 1:00 of rowing at a recovery pace (lower stroke rate, relaxed effort) for a total of 10 to 15 rounds.

The SkiErg offers unique workouts. This machine mimics the double-pole motion of cross-country skiing, engaging the upper-body muscles in a coordinated and dynamic manner. By incorporating the arms, shoulders, and core in the pulling motion, the SkiErg provides a comprehensive workout that improves strength, stability, and endurance in these muscle groups.

The SkiErg's smooth and controlled movement minimizes joint stress, making it an ideal option for individuals seeking a low-impact alternative to traditional cardio exercises.

To build a strong upper-body endurance base, ski continuously for 20 to 30 minutes at a moderate intensity, maintaining a steady rhythm and focusing on engaging your arms, shoulders, and core throughout each stroke. Interval training offers a fun twist on cardio sessions. Alternate between 30 seconds of high-intensity skiing (aim for a fast pace and strong arm engagement) and 30 seconds of rest or easy skiing for a total of 10 to 15 rounds.

10 Functional Strength Exercises To Boost Mobility as You Age

Ellipticals are exceptionally accessible and versatile for low-impact workouts, making them ideal for building muscular endurance and providing alternatives to high-impact cardio exercises. 6254a4d1642c605c54bf1cab17d50f1e

These machines offer a smooth, gliding motion that mimics the natural movement of walking, jogging, or running without the impact on joints that comes with activities like running on pavement or jumping. This makes ellipticals suitable for individuals of all fitness levels and those with joint issues or injuries.

Additionally, ellipticals typically have adjustable resistance levels and incline settings, allowing users to tailor their workouts to their fitness goals and preferences.

Maintain a steady pace for 30 to 45 minutes at a moderate intensity. Focus on keeping your heart rate elevated while engaging your legs, arms, and core muscles throughout the workout. Alternate between high-intensity intervals and recovery periods. For example, sprint at maximum effort for one minute, followed by two minutes of easy-paced recovery. Repeat this cycle for a total of 20 to 30 minutes.

Yoga gives a whole different perspective on building endurance compared to cardio exercises. Yoga presents the unique benefits of improving mobility while improving isometric strength and conditioning for your muscles.

You'll move in and out of positions as you flow through various poses requiring mobility and flexibility, and if you've done yoga before, you already know how tough it is to hold static positions, requiring great amounts of isometric strength and endurance. Beyond improving endurance, I advocate for clients and athletes to use yoga as one of the best forms of active recovery to jumpstart the day!

Flow through your favorite yoga poses, holding each position for a few deep inhale and exhale breath cycles. Aim to accumulate 10 to 30 minutes of continuous, active movement.

10 Strength Training 'Rules' to Follow for the Best Results

Alternating lunges are a standout low-impact exercise renowned for their ability to cultivate strength and endurance in the lower body. Engaging muscles across the legs, hips, and glutes, lunges offer a solid workout option without subjecting joints to undue stress.

Their unilateral nature sets alternating lunges apart, which uniquely challenges stability and bolsters balance. As each leg independently supports the body's weight, it strengthens muscles and hones proprioception and coordinationkey elements of holistic fitness.

Perform three to four sets of 15 to 20 reps per side using only your body weight. To add variety, incorporate circuit intervals of alternating reverse lunges between 30 seconds of work and 30 seconds of rest.

Bodyweight squats target the quads, hamstrings, and glutes, as they provide an effective workout without the need for equipment or added strain on the joints. By incorporating higher rep sets or intervals, bodyweight squats become a potent tool for building muscular endurance in these muscle groups.

Introducing variations such as pauses and tempo reps further amplifies the muscular endurance benefits, as these techniques challenge muscles to work harder and for longer durations. Moreover, they enhance mobility by promoting proper squat form and depth, contributing to overall flexibility and range of motion.

Complete three to four sets of 15 to 20 reps using only your body weight. To add variety, incorporate circuit intervals.

Pushups are a quintessential upper-body compound exercise renowned for their effectiveness in building muscular endurance, particularly in the triceps, shoulders, chest, and core. What makes them truly versatile is their adaptability to various fitness levels; they can be modified to accommodate beginners and seasoned athletes alike.

Introducing variations such as tempos and pauses further intensifies the endurance challenge, requiring muscles to work harder and for longer durations. To enhance endurance, aim for higher rep sets or incorporate pushups into circuit intervals, allowing for brief periods of rest between sets to maximize performance.

Perform three to four sets of 15 to 20 reps using only your body weight. To add variety, incorporate circuit intervals.

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10 Best Low-Impact Exercises To Build Endurance - Eat This, Not That

April 3, 2024 11:02 AM | 1 min read |

Immutable's (CRYPTO: IMX) price has increased 3.36% over the past 24 hours to $2.77, which is in the opposite direction of its trend over the past week, where it has experienced a 7.0% loss, moving from $2.93 to its current price. As it stands right now, the coin's all-time high is $9.52.

The chart below compares the price movement and volatility for Immutable over the past 24 hours (left) to its price movement over the past week (right). The gray bands are Bollinger Bands, measuring the volatility for both the daily and weekly price movements. The wider the bands are, or the larger the gray area is at any given moment, the larger the volatility.

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The trading volume for the coin has decreased 42.0% over the past week, while the overall circulating supply of the coin has decreased 0.16% to over 1.42 billion. This puts its current circulating supply at an estimated 71.15% of its max supply, which is 2.00 billion. The current market cap ranking for IMX is #34 at $3.93 billion.

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Cryptocurrency Immutable's Price Increased More Than 3% Within 24 hours - Benzinga

Benzinga - by Benzinga Insights, Benzinga Staff Writer.

OKB's (CRYPTO:OKB) price has decreased 3.0% over the past 24 hours to $55.6, continuing its downward trend over the past week of -14.0%, moving from $64.28 to its current price.

The chart below compares the price movement and volatility for OKB over the past 24 hours (left) to its price movement over the past week (right). The gray bands are Bollinger Bands, measuring the volatility for both the daily and weekly price movements. The wider the bands are, or the larger the gray area is at any given moment, the larger the volatility.

The trading volume for the coin has tumbled 40.0% over the past week along with the circulating supply of the coin, which has fallen 0.21%. This brings the circulating supply to 60.00 million, which makes up an estimated 20.0% of its max supply of 300.00 million. According to our data, the current market cap ranking for OKB is #41 at $3.33 billion.

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Cryptocurrency OKB Down More Than 3% Within 24 hours - Investing.com UK

Benzinga - by Benzinga Insights, Benzinga Staff Writer.

Over the past 24 hours, Optimism's (CRYPTO: OP) price has fallen 3.44% to $3.08. This continues its negative trend over the past week where it has experienced a 17.0% loss, moving from $3.67 to its current price.

The chart below compares the price movement and volatility for Optimism over the past 24 hours (left) to its price movement over the past week (right). The gray bands are Bollinger Bands, measuring the volatility for both the daily and weekly price movements. The wider the bands are, or the larger the gray area is at any given moment, the larger the volatility.

The trading volume for the coin has fallen 34.0% over the past week which is opposite, directionally, with the overall circulating supply of the coin, which has increased 0.36%. This brings the circulating supply to 1.01 billion, which makes up an estimated 23.43% of its max supply of 4.29 billion. According to our data, the current market cap ranking for OP is #43 at $3.09 billion.

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Cryptocurrency Optimism Decreases More Than 3% Within 24 hours - Investing.com UK

Benzinga - by Benzinga Insights, Benzinga Staff Writer.

Pepe's (CRYPTO: PEPE) price has decreased 5.41% over the past 24 hours to $0.0000069, continuing its downward trend over the past week of -9.0%, moving from $0.0000076 to its current price.

The chart below compares the price movement and volatility for Pepe over the past 24 hours (left) to its price movement over the past week (right). The gray bands are Bollinger Bands, measuring the volatility for both the daily and weekly price movements. The wider the bands are, or the larger the gray area is at any given moment, the larger the volatility.

Pepe's trading volume has climbed 1.0% over the past week, moving in tandem, directionally, with the overall circulating supply of the coin, which has increased 0.61%. This brings the circulating supply to 420.69 trillion, which makes up an estimated 100.0% of its max supply of 420.69 trillion. According to our data, the current market cap ranking for PEPE is #47 at $2.89 billion.

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Cryptocurrency Pepe Down More Than 5% Within 24 hours - Investing.com UK

April 3, 2024 11:02 AM | 1 min read |

Cronos's (CRYPTO: CRO) price has increased 8.81% over the past 24 hours to $0.15. Over the past week, CRO has experienced an uptick of over 2.0%, moving from $0.15 to its current price. As it stands right now, the coin's all-time high is $0.97.

The chart below compares the price movement and volatility for Cronos over the past 24 hours (left) to its price movement over the past week (right). The gray bands are Bollinger Bands, measuring the volatility for both the daily and weekly price movements. The wider the bands are, or the larger the gray area is at any given moment, the larger the volatility.

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The trading volume for the coin has risen 2.0% over the past week diverging from the circulating supply of the coin, which has decreased 1.74%. This brings the circulating supply to 26.63 billion. According to our data, the current market cap ranking for CRO is #31 at $4.11 billion.

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Cryptocurrency Cronos's Price Increased More Than 8% Within 24 hours - Benzinga