Retirement is a scary thing for most folks. It means learning to live on a lower-income sometimes. It means that you will have the time to do the things you always wanted to do. It means spending more quality time with loved ones. It also requires a plan of action. The last thing you want to get caught up in meaningless free time. Having extra leisure time may be appealing in the beginning but after a few weeks you will find that you have too much leisure time.
Getting ready for retirement will include applying for your benefits from work or cashing in a IRA or retirement savings plan. It may mean having to make adjustments to your medical plan coverage. You want to make sure that you have taken care of all the logistics. Make sure you have also revisited your will, insurance policies or other end of life arrangements. I do not mean to be morbid but it is very important to have your affairs in order.
Retirement is an opportunity to start over. You may have an empty nest to fill with other things. This also means that your marriage may be starting over as well or picking up where you left off after the children were born. It may be a time to think about renewing vows or planning to celebrate a special anniversary.
If you are or were a creative person, it may be the moment to think about taking a language class or exotic cooking lessons. Some community and state colleges over reduced or free courses for retirees. You may want to attend a writer’s retreat or stay at a spa hotel to simply treat yourself to a relaxing weekend away from it all.
There are now so many resources for getting ready and it is important that you attend pre-retirement seminars offered by the workplace and other organizations. is a good place to start the process. Visit the library and take out books on the topic. If you and can afford to travel extensively do your homework first. Getting ready emotionally is the most important step. Make a list of the things you will not miss about being on the job. It will out weigh the list of things that you think you will miss. Getting ready to start over is going to be just another journey but do not focus on the final destination; think about the possibilities.