People are living decades after retirement, and finding that once they hit their third year, they don’t know what to do with themselves. Building a routine early in your retirement can help you live longer and more fulfilling lives.
The first two years of retirement are when people take care of all the plans they’ve made leading up to it. Between travel plans, possible moves, projects that were put on hold, and more, people have a lot to catch up on. The to-do list gives you purpose.
Once you hit the 24-month mark, however, most of those plans are done. This is when the shift really happens, and most new retirees don’t know how to navigate it. While financial planning for retirement is common, structuring a post-career routine isn’t as much.
Related: The Reason Men 'Fall Silent' in Retirement Is Actually Heartbreaking
Retirement Routine
After the traveling, moving, chores, and more are finished, it’s time to plan for what else you’ll want to do. Part of a long, healthy retirement includes rediscovering who you really are. If you aren’t sure, you’ll want to try new things.
To create a long-term plan, you’ll first need to identify some goals. Ask yourself the following questions:
Do I enjoy and thrive in a structured routine, or do I want the freedom to come and go as I please?Would volunteering for a cause or working part-time be fulfilling for me?Am I looking to reignite a passion from my younger years, or is there something new I want to learn?What am I curious about? What brings me joy?What frustrations or annoyances can I leave behind?Related: I Tried 10 Different ‘Grandma Hobbies’ for 4 Weeks—Here’s the 1 That Actually Stuck
What Happens Next
Answering these questions gives you insight into yourself. Considering that 80% of what dictates our life span is lifestyle, not genetics, the more fulfilled you are in your post-career days, the longer and healthier you’ll live.
Once you figure out what will bring you the most joy, it’s time to start building that life. You’ll need to ask yourself what it will look like in five, ten, and even twenty years. More retirees are living into their 90s, and it’s recommended to plan for an additional 22 years once you’ve stopped working. Your plan should reflect everything you want to do and try, and give you long-term goals.
If you’re fighting the third-year slump, ask yourself the questions above and make a plan. Anyone close to retirement or just starting, there’s no better time than now to figure out what will bring you happiness and purpose. After all, you’ve worked your entire life to enjoy this, you deserve to live to the fullest extent.
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Disclaimer: This article is for informational purposes only and does not constitute financial advice.
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