10 Non-Financial Tips for Retirement

There seems to be plenty of advice for the financial aspects of retirement. Many of the investment companies have retirement calculators available on their websites to help you figure out how much and where to save money for the day you no longer have to or want to work.

But what about all those non-financial aspects—and just what is retirement these days? For many it’s not about stopping work but it’s changing it! From full time to part time, from salary to contract, from a life-long career to a passion with perks. More than 7 million Baby Boomers are headed towards retirement.

With that comes the questions not just about if they will have enough money to retire but what they want to do the rest of their lives, and that could be as much as thirty more years according to many of the statistics today.

Here are some tips and suggestions to ponder as you plan for your retirement years:

1 Life’s more than money. Start thinking seriously about what retirement really means to you at least ten years before the projected retirement date.

2 Make life plans. Its as important to plan the non-financial aspect of retirement by considering what will make you happy. Maybe it will be climbing Mount Kilimanjaro, cruising the Alaskan fjords or writing the next great novel, it could be going into business for yourself or expanding volunteer activities. Make a life plan and tick off your experiences as you move ahead.

3 Find a purpose. Find something on an ongoing basis that provides you with joy and structure to your life. As mentioned above, it could be travel, hobbies or even new career training and education.

4 Keep sharp. An active brain is a healthy brain. You may feel the need to replace the stimulation of work. Try learning a foreign language or musical instrument, go to a local college and take a night course on anything! Never had time for a pet? Now you do.

5 Volunteer. Getting involved in the community is a great way to give back, as well as a wonderful opportunity to interact and meet new people.

6 Develop new friendships. A measure of whether people have a successful retirement is the strength of their social network that includes family and friends.

7 Spousal input. Retirement often means a shared experience. Therefore make time to share your dreams with your spouse—you may be surprised to learn he/she wants to join you on Mount Kilimanjaro.

8 Remain healthy. There’s an old saying “a lean horse for a long race”. This means eating well, watching your weight, and remaining physically active.

9 Financial stability. If you can’t afford to retire yet, consider partial retirement which could include working part time at your current job or finding something new and exciting from which you can earn some money.

10 What’s next in your life ?  Go to one of many helpful web sites such as www.WhatsNextInYourLife.com to locate non financial planning tools


Retirement and planning calculators for the financial aspects can be found on websites by

Mackenzie Investments

Franklin Templeton



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