Life After Work – Getting Ready for Retirement

As you approach retirement, you may be wondering what to expect. Transitioning from working full-time to not working at all can be quite an adjustment for many people. Fortunately, there are ways for you to prepare for your new life stage. Here’s how to prepare for retirement and life after work.

Finances/Medical Costs

One of the most significant changes to prepare for is your finances, specifically your medical costs. Like many people, you’ll probably transition from employer health insurance to Medicare around 65. However, the world of Medicare can be very confusing. You don’t want to be scrambling to figure things out when the time comes.

So, start your research ahead of time to ensure you fully understand the enrollment process. You may consider utilizing a Medicare insurance broker to find more Medicare answers. Doing so often makes understanding Medicare much easier.

Schedule/Time/Free Time

Another change to look out for in retirement is that your schedule will likely look different. You may not even have a set schedule anymore, which can be a surprising adjustment for some people. Although it may not seem like it, having a structure to your day can be a great way to prevent stress and loss of direction.

There are a few different ways you can create a new schedule and provide some structure to your days. First, you can consider volunteer work. Many retirees spend time during the week volunteering to have an activity to look forward to. You may also find it helpful to write down a list of what you want your days to look like. Consider your morning and night routines and any hobbies you may want to pursue.


You likely spent time talking and interacting with coworkers daily while working. However, you may find that it takes more effort to continue socializing with others in retirement. Maybe you went into the office every day or had virtual meetings, so it was easy to see other people.

But it would help if you continued to interact with others regularly, especially in retirement. This can help combat feelings of isolation and loneliness. If you don’t know where to start, consider joining organizations or clubs in your area. Facebook can be an excellent resource for finding groups to join.

For example, if you love to read, see if there are any book clubs you can join. Also, don’t be afraid to reach out to friends and family to spend time together!


Like many people, you have plans to travel in retirement. To prepare for travel, you can start with a list of places you’d like to visit. Once you have that down, you may consider a few different factors.

An essential element to consider is the cost, including airfare, housing, transportation, food, entertainment, and even medical costs. Saving as much money as possible before retirement can make this process easier. If not, you may need to adjust your goals for travel. For example, if you plan to travel internationally but find the costs are too high, consider going somewhere in the states. Even traveling locally in your state can be a great travel experience.

Another factor to think about is the itinerary for your trips. Although you don’t need an exact schedule for all you want to do, it can be helpful to have a loose plan in place to act as a guide. This can free up space in your mind to enjoy trips to the fullest.

Final Thoughts

Preparing for life after working for many years can be a daunting task. However, taking the time to consider your needs during this new phase of life can help make the transition easier. Think about how your financials will shift and how you’d like to spend your time moving forward. Doing so will help you make the most of your golden years!