Apac, Uganda: A hard-hitting warning from Apac District Principal Human Resource Officer Jackline Angwec left a sharp reality check for 41 retiring civil servants on Friday, cautioning them that retirement is a “dangerous phase” for anyone who steps into it without preparation.
Addressing the retirees at Apac District Council Hall, Ms Angwec said many former civil servants sink into financial stress, social pressure, and health complications because they exit the system without a plan and with misplaced expectations.
“Retirement is a transition, not a holiday. Some of you are stepping out without a plan, without financial discipline, and with investments that yield nothing. That is a dangerous path,” she warned.
She observed that retirement becomes difficult not because it is inherently harsh, but because many employees enter it blindly, without understanding cash flow, without a financial roadmap, and while tied to unproductive ventures.
Ms Angwec emphasised that financial illiteracy, poor planning, and ignorance about post-retirement realities are among the top drivers of poverty for formerly employed civil servants.
Her call was amplified by Principal Assistant Secretary Janet Odongo, who urged the retirees to guard their savings against the “silent financial traps” that await them at home, especially relatives who depend on them. “Do not let lazy relatives bankrupt you. Your savings are for survival, not for entertainment,” she said.
Ms Odongo urged retirees to transform their benefits into sustainable ventures, embrace regular medical check-ups, and adjust their lifestyles to match their new financial realities.
District Health Officer Dr James Odongo encouraged the outgoing officers to view retirement as a new stage of human development. “Retirement is an important final phase of human growth. It requires clear goals, sound decisions and actions that support those goals,” he said.
Dr Odongo advised retirees to adopt high-protein diets, avoid fatty foods, and engage in physical exercise at least three times a week. “Balance what you eat, watch what you drink, and remain physically active. These are the basics of survival at an advanced age,” he added.
Several retirees shared their reflections on the guidance: Loyce Abang, Former District Cashier: “Depending only on salary is risky. I have started small income-generating activities and I plan to expand once I settle at home.”
Geoffrey Oyuru, Former Police Officer: “Retirement is psychological. I plan to venture into farming and also contribute to community security where my experience is needed.”
Agunsi Benedict, Former District Planner: “I have advised others to plan, but now it is my turn. I will focus on consultancy and serious farming to remain productive.”
Ms Angwec and Dr Odongo’s warnings echoed a broader national concern: many retirees in Uganda are slipping into poverty, poor health, and isolation simply because retirement continues to be underestimated.
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