You spend years preparing to retire. You plan carefully so
you can afford to leave your job behind and enjoy your well-earned free time.
But do you have a plan for how you’ll fill that time or who you will spend it
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It’s not something to take for granted. Without careful planning, retirees are at risk for slipping into isolation, inactivity and poor health, says geriatrician Ronan Factora, MD.
“People look forward to retirement,
but they haven’t really thought about how they’re going to spend their time,”
he says. “They spend a lifetime doing nothing but work and don’t cultivate any
other activities or social contacts.”
So take time to give it some thought. Dr. Factora advises
thinking realistically about what you’re going to do all day.
“You cannot spend that time just sitting and watching TV,”
he warns. “Everything declines if you’re sedentary.”
Evidence is mounting on the dangers
of sitting too much: Your blood sugar, blood pressure, cholesterol,
muscle tone and cognitive faculties all could suffer.
is the most important way to maintain your health and quality of life,” Dr.
Staying connected to others is also vital. Your friends and
family are more important than ever after you retire.
“It’s easy for loneliness
to slip into clinical depression,” he notes. “And it’s hard to treat depression
when the root cause is a lack of social support.”
He offers eight tips to help you plan for an active, engaged
1. Take stock of your
Think about how much time you realistically can expect to
spend with family every day.
Do you have adult children nearby who will have time to
spend with you? Will you spend time caring for grandchildren? Do you have a
spouse or other family member who requires
2. Consider the changing dynamics in your home life
If you’re married, think about how your retirement will
affect your relationship.
If your spouse is already retired or is a homemaker, what
will it be like for both of you to stay home all day? If your spouse is still
working, will expectations change about things like cooking and cleaning?
3. Assess your interests
Start thinking about your hobbies — either things you’re
already doing or things you’d like to try.
Hobbies that help you develop skills over time — playing an instrument, woodworking, art or crafts, for instance — are particularly rewarding and can help keep your mind sharp.
4. Plan to learn something new
Maybe now’s the time to go back and get that degree in art
history or philosophy. Many colleges offer tuition discounts and waivers for
Or, if going back to college sounds a little too much like
work, check out a local adult education program for less intense class
5. Consider using your skills in new ways
Are there part-time opportunities for teaching or consulting
work in the field you’re retiring from? Are you interested in mentoring younger
professionals in your field?
6. Diversify your social circle
As you age, you may face the loss of loved ones in your generation. Developing friendships with younger people helps you stay connected — and may offer fresh experiences and perspectives.
7. Consider community activities or volunteer opportunities
Start finding things to do in your community.
Libraries, religious organizations, community centers,
senior centers and nonprofits that use volunteers are all places where you can
get involved and meet new people.
8. Consider relocating if necessary
Does it make sense to move somewhere closer to your family
or good friends? Or is moving to a community that has many other retirees a
With a little planning (beyond your finances), you can enjoy
an active and engaging retirement that will keep you healthy — both physically
and mentally — for years to come.