Your Vision for Retirement: Take Time to Think

Planning for retirement is about envisioning the life you want beyond work. Here we discuss if you really do want to stop working, and some other things you may need to consider.

• Do I want to stop working? Not everyone wants to leave their job. For some, work is more than just a job—it’s a passion and a source of fulfilment. While some people count the days to retirement, others find purpose in their careers and are reluctant to leave. Think about what you really want and what will make you happiest.

  
  

• Consider a Flexible Approach: The idea of stopping work completely is becoming less popular, as many choose to work part-time or on their own terms. The key difference is having the choice—knowing you could leave if you wanted to, but feeling content to continue as long as you enjoy it.

  
  

Planning Beyond the First Weeks of Retirement

If you’ve been working full-time for decades, retirement can leave a big gap. I suggest you imagine your ideal day without work: What would you do? While travel is often a popular goal, most people won’t be globe-trotting every day. Think about what your days and years might look like beyond those initial months.

Consider your hobbies, existing or new, and how you’ll spend time with family. For some, the appeal lies in stepping away from work pressures. Just make sure you know what will replace them.

Finding Purpose and Fulfilment

For many, having a purpose is crucial. Purpose comes in different shapes for different people, whether it’s volunteering, learning something new, or dedicating time to family. Think about what gives you that sense of meaning, and let it guide your retirement goals.

Rediscovering Forgotten Dreams

Think big! Retirement is the time to revisit dreams you might have long forgotten. Whether it’s hiking in the hills or taking an art class, the most important thing is that it feels meaningful to you. You don’t have to spend a fortune; the best retirement goals are the ones that align with who you truly are.

Plan Early to Make It Real

Retirement planning is deeply personal, and there’s no one-size-fits-all solution. But everyone can benefit from starting early. The sooner you start planning, the more likely those dreams will become reality.