The Generalist Retirement

A little while back on a ride a cycling friend asked me “Is there any outdoor sport you don’t do?”  I had just mentioned to him how my ice climbing went this past winter, and my excitement for some upcoming kayak and bikepacking trips.

I’m currently teaching a friend to mountain bike, another how to rock climb, and have been doing some overnight backpacking trips with my neighbor to help with his continual quest to lose weight and get healthier. 

I’m also scuba certified and have dived all over the world, and I’ve climbed all 58 mountains in Colorado over 14,000 feet as well as 3 of the seven summits.

I snowboard and cross country ski, and do at least one kayak touring trip every year.  And of course I run a few times a week.

Ok, at the risk of sounding like a braggadocio douchebag I’ll stop there.  Am I actually great at any of these things?

Not really.  I’m a jack of all trades but master of none.  

 

Generalist

generalist

Lots of tools, lots of options

When it comes to outdoor adventure sports I’m a generalist, plain and simple.  The definition of a generalist is “a person competent in several different fields or activities.”  Competent, I like that.  I feel I’m competent in all of the things I listed, to various levels of course.

If I had to choose one that I think I excel the most at it would be cycling.  Besides that I’m competent enough at the other sports and activities to keep up with much better athletes and to stay safe.  But I’m almost always with folks who are specialists at a particular sport and better than me.

Early humans had to be pretty good at everything, our survival depended on it.  But as our species progressed and formed larger settlements specialists started to form.  Farmers, craftsmen, and metal workers became crucial cogs in the wheel of society. 

Specialists soon became absolutely necessary for large societies to function. 

But generalists fill a crucial niche.  Generalists take knowledge and ideas and consider their utility in a broader way, often finding synergies that specialists would never see.  They tend to have more fluid intelligence, versus crystallized intelligence.

Generalists don’t have the problem of “because I have a hammer I see all problems as nails”

Take this example from the fs.com blog:

Philip Tetlock performed an 18-year study to look at the quality of expert predictions. Could people who are considered specialists in a particular area forecast the future with greater accuracy than a generalist? Tetlock tracked 284 experts from a range of disciplines, recording the outcomes of 28,000 predictions.

The results were stark: predictions coming from generalist thinkers were more accurate. Experts who stuck to their specialized areas and ignored interdisciplinary knowledge faired worse. The specialists tended to be more confident in their erroneous predictions than the generalists. The specialists made definite assertions — which we know from probability theory to be a bad idea. It seems that generalists have an edge when it comes to Bayesian updating, recognizing probability distributions, and long-termism.

 

Range

generalist

range

Breadth and depth help me in my outdoor sports.  They’ll never help me be the best at one sport.  For instance to be a really top cyclist you have to start to morph your body into a certain composition with very low bodyfat and very little upper body strength. 

Doing that will increase your speed on the bike, but you’ll look like an alien and have weak bones because cycling doesn’t ever load them.  I have no interest in looking like an alien who can’t lift a small bag of groceries.

As an amateur athlete, I have what David Epstein would call range.  If you’re not familiar Epstein’s #1 New York Times bestselling book Range: Why Generalists Triumph in a Specialized World (<–affiliate link) is a great deep dive into the advantages of being a generalist. 

While specialists become famous – especially in the world of athletics – generalists often have longer and more dynamic careers.  As the famous science fiction writer Robert Heinlein said:

“Specialization is for insects.  A human being should be able to change a diaper, plan an invasion, butcher a hog, conn a ship, design a building, write a sonnet, balance accounts, build a wall, set a bone, comfort the dying, take orders, give orders, cooperate, act alone, solve equations, analyze a new problem, pitch manure, program a computer, cook a tasty meal, fight efficiently, die gallantly.” 

Successful generalists realize it’s better to be really good at a bunch of different skills than the absolute best at one.  And when you combine the skills you’re really good at there’s bound to be magic in the overlap.

In my main career (aka my W2 jobs) I found this concept to be extremely advantageous.

 

I’m A Generalist, Sign Me Up For It

generalistI moved up extremely fast in my career because I acquired a broad skillset over time.  I was really good at my main discipline which is geographic information systems.  But I also learned to code, not elegantly but good enough to write a program or two.    

I honed my writing and speaking skills.  Heck I took a teaching job just to get over a crippling stutter and to learn to be comfortable public speaking. 

My broad liberal arts degree help me immensely in my career.  I was often able to translate between the techy coder specialists and the tech-ignorant executives who made the big decisions.  That was a rare skill, and it benefitted me tremendously. 

As the brilliant mathematician Freeman Dyson wrote:

Some mathematicians are birds, others are frogs. Birds fly high in the air and survey broad vistas of mathematics out to the far horizon. They delight in concepts that unify our thinking and bring together diverse problems from different parts of the landscape. Frogs live in the mud below and see only the flowers that grow nearby. They delight in the details of particular objects, and they solve problems one at a time. I happen to be a frog, but many of my best friends are birds.

I started as a frog but became a bird.  As my career progressed I always took advantage of training classes.  This skill broadening trajectory prepared me well for my entrepreneurial endeavors in semi-retirement. 

My graphic arts and blogging demand competence in sales, design, numerous software packages, marketing, and technology.  In general the growing freelance economy demands a very broad range of skills and self-sufficiency that’s not often sought after in corporate job postings.  

Are we prepared for it?

 

A Generalist Retirement

generalist

curiosity

Curiosity is a superpower.  Those who fear boredom in retirement or who cannot find stimulating activities to do puzzle me.  I could live 20 lifetimes and not run out of things I want to do or try. 

Being a curious person makes the thought of full retirement that much more appetizing.  The possibilities seem limitless and I can’t wait to be surprised at the new muses and hobbies I will latch on to. 

Curiosity leads to growth and discovery.  It makes you a more interesting person.  Take Brian May, the legendary guitarist from the rock band Queen. 

After driving the sound behind one of the biggest bands in the world and headlining stadium tours for decades, he decided he wanted something else in life.  So he went and finished his PhD in astrophysics.  Friggin astrophysics! 

Now that’s an interesting dude. 

 

A Mile Wide And An Inch Deep

The phrase “a mile wide and an inch deep” is often used as a pejorative or insult.  I’m starting to call bullshit on that take.

In a world where specialty skills quickly turn to vapor due to rapid technology advances – or are replaced by computers entirely – I think being a mile wide is pretty damn valuable. 

Being a generalist, having fluid intelligence, having a wide range, or just being plain ‘ole curious – call it what you will but that’s where I’ve been pretty content to operate my life in both my professional and athletic endeavors. 

It provides variety, excitement, stimulation, and that feeling that we all had as kids at not knowing what’s around the next corner

And I’m really looking forward to a generalist retirement.

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Dave @ Accidental FIRE

I reached financial independence and semi-retired in my mid-40's through hard work, smart living, and investing. This blog chronicles my journey and explores many aspects of personal finance including the psychological and behavioral factors that drive our habits.

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16 Responses

  1. escapingavalon says:

    Yup.

    In my old line of work, we would say:

    When it’s kill or be killed, the strong are too slow, the fast are too weak.
    We live in the middle.
    We might not always win.
    But we survive.

  2. dapo says:

    Really cool article Dave, loved the value placed on being a generalist. I do think we under-appreciate generalists because newsworthy stuff is mostly related to the extraordinary. What are your thoughts on developing your skills to become a strong generalist? Curiosity, willingness to fail then improve, Being honest with yourself and others to keep you accountable? It seems like you have mastered the skill of becoming a generalists, both in Sports and Personal Finance.

    • Dave @ Accidental FIRE says:

      I think you hit the biggest two right up front in my opinion – curiosity and willingness to fail. I have NEVER had problems with curiosity and am confident I’ll always be interested in too many things to explore. I have however struggled with not being afraid to fail in some aspects of life. That one is much harder for me. And in no way would I say I’ve mastered any of this, I hope my blog doesn’t paint that kind of picture. I did an infographic on that topic a while back. We’re all on the journey and I just enjoy trying to help others 🙂

  3. Thanks for the brain food this morning, Dave. Funny, I’ve noticed in my (Generalist) retirement that everything I do (hiking, kayaking, fishing, mountain biking, workouts, etc) has Specialists. Folks who do that same activity 3-5 times a week, forsaking all others. I find the Generalist approach much more enjoyable, and love to “mix it up” based on my mood. And, you nailed it with your Curiosity comments. The biggest secret of a great retirement, IMHO.

    • Dave @ Accidental FIRE says:

      Yep, a large portion of my cycling buddies have no other hobbies or interests beyond cycling. If anyone here thinks the 5,000-6,000 miles I ride every year is insane, well I ride and race with guys who ride 10,000 or even 15,000 miles a year. Even I think they’re a bit nuts. Some of those dudes are freakishly strong on a bike. And sometimes when one of them is dropping me on a hill I say to myself “well at least I’m a better rock climber than they are”. haha, it’s the tittle things.

  4. this specialization really grinds my gears when it comes to youth sports. parents have these kids specializing and joining travel leagues at such young ages and precluding them from trying and enjoying other sports. hell, jackie robinson did them all and was good at every single sport.

    i love that quote from heinlein. i also consider myself a generalist. i know just enough to keep getting paid at my w-2 but have another nice handful of skills including social and domestic. generalists are more fun! put that on a shirt!

    i also remember when i was a half-accomplished runner. in those days it was still more fun to be a half-assed pickup basketball player.

    • Dave @ Accidental FIRE says:

      So true about modern kids, so many of them have schedules and regiments it’s insane. In my own life I now realize that having parents who really didn’t care about me too much was both a curse and a blessing in some ways. At least I was free to explore activities with other kids on my street and wasn’t being scheduled. And thanks for the shirt idea, I think that one could work!

  5. Bill Brown says:

    I could live 20 lifetimes and not run out of things I want to do or try.

    Yep!

    • Dave @ Accidental FIRE says:

      Same here Bill, and I feel blessed I was given that curiosity as a personality trait, it’s the best!

  6. Steveark says:

    I think that being a generalist in life is helpful but being a specialist is more likely to provide long term career satisfaction. If you can be world class at your job then the probability is that you will enjoy it a great deal. That’s why guys like Brady just won’t retire. What they are doing at such a high level is too cool to leave behind. However they may not have great family lives and may lack in other areas due to their focus on that one thing. I was a specialist in a couple of areas, as good as anyone I ever met, but also forced myself to be a jack of all trades. Those are not mutually exclusive paths. I think being a generalist with at least one outstanding area is the best path versus being a pure generalist or a pure specialist. And it gets even more cloudy if what you are great at is being a generalist. Take a professional politician, the good ones are all a mile wide but an inch deep, and they are world class generalists who love what they do! I was a lobbyist for a few years and got to know some of the best. But who knows, you only get to live life one way and you never can really understand what someone else’s life feels like to them. Great food for thought.

    • Dave @ Accidental FIRE says:

      “I think being a generalist with at least one outstanding area is the best path” You nailed it there, and that’s what I did. I was outstanding at GIS, and good or really good at lots of other things. But GIS anchored my career.

  7. Scott Fulton says:

    Solid advice Dave.

    Longevity and Healthspan both reward the generalist. Another way to say that balance is better than specialist. Mono approaches might stroke our heart ego and allow us to feel high competency in one area, but inevitably at the price of other areas. Runners and cyclists, for example, each have their own muscle groups strengths but also have their weak groups. Similarly, diets lacking diversity can be perfect in a narrow view but missing key elements for long term health. Another would be environment, and the support a broad daily exposure fuels the biome.

    Smart, balanced choices enable us to love the things that love us back longer.

    Great message!

    • Dave @ Accidental FIRE says:

      Well said Scott, there is a place for a “mom” approach of course but that’s mostly in the realm of being a pro and comes at the sacrifice of other things. Even pro cyclists are sacrificing some aspects of their health, mainly bone density. Thanks for the great comment!

  8. You spelled Brain May instead of Brian May! I am a Registered Nurse (or I’m an RN) but I love to correct grammar/spelling mistakes 🙂

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