Retirement can change again years after it begins, requiring us to rethink not only how we spend money, but how we spend our time.

The Second Retirement No One Talks About

Julie used to take two big trips a year. Over time, the trips got shorter and less frequent. Eventually, the countries she’d planned to visit stayed covered on her map.

Retirement at 80 may look very different from retirement at 65.

Travel slows. Housing needs change. Physical abilities change. Even where the money goes can look completely different.

I think of this as a second retirement.

It does not necessarily mean doing less. It may mean becoming more selective about what deserves your time.

The question is whether your retirement plan is prepared to change with you.

Focus on the Reason it Matters

Think about one activity in your life that gives you a strong sense of enjoyment, identity, or connection.

Now ask yourself: If I could no longer do this five or ten years from now, what could replace what it gives me?

Do not focus on replacing the activity itself. Focus on the reason it matters. Travel might provide adventure. Golf might provide friendship. Volunteering might provide purpose.

Planning for change is easier when you know what you are trying to preserve.

A plan gives you somewhere to start, while flexibility allows you to reconsider what deserves your time as your interests and circumstances change.

​Calendar Time Analysis Tool​

When Retirement Changes, What Do You Want to Keep? Take the Retirement Time Analysis to reflect on what matters to you as retirement changes. When you finish, you’ll receive a free sample report based on your answers. Take the RTA →

Planning Activities is a Lifetime Job

In my Retirement Time Analysis data, participants age 75 and older scored higher than those under 75 in five of six lifestyle categories. Yet Planned Activities was the one category where the older group scored lower.

That suggests an interesting possibility: later retirement may become less about adding activities and more about deciding which experiences, relationships, and routines still deserve your time.

The amount of available time matters.

What you choose to protect within that time may matter even more.

​Career Awake Time Calculator​

Continue Reading

​You Don’t Have to Decide Everything Before You Retire​

​Choosing Your Post-Career Noise​

​When Part-Time Work Becomes Full-Time Retirement​

​Retirement Is Becoming a Family Decision​

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