Early retirement. It’s a dream many of us chase, picturing endless leisure and freedom. I was one of those dreamers, and at 50, I made it a reality. I traded in my IT career for a life I imagined would be all sunshine and roses. And while it’s been an incredible journey, it’s also been one with its share of surprises.
Let me be clear: I wouldn’t trade my decision for anything. I finally had time for hobbies, travel, those long-awaited books, and those relaxed mornings we all crave. But there were some things I didn’t fully grasp before taking that leap, things I wish my younger self had considered. Think of these as friendly pointers from someone who’s walked the path.
The “Now What?” Moment
For most of my life, I thrived on structure. My days had a rhythm: early wake-ups, commuting, project deadlines, and late evenings. It was a busy life, and as someone with Autism, that structure was helpful. Then, suddenly, that rhythm vanished. Initially, the newfound freedom felt exhilarating. But after a few months, a strange question echoed in my mind: “Okay… what now?” I discovered that even with all the time in the world, a sense of purpose is essential. I eventually found a fulfilling side hustle that occupied about 3 hours of my day and rekindled my long-held interest in writing.
The Shifting Social Landscape
A significant portion of my social interactions revolved around my work life. When I retired, many of those connections naturally faded. This wasn’t necessarily negative, but it was an adjustment I hadn’t anticipated. While a few friendships remained strong, I realized the importance of building a social life that truly reflected who I am and what I enjoy. Retirement became an opportunity to connect with people who shared my passions. I joined a chess club and actively sought out others who were interested in genealogy and going for walks.
Budgeting: A New Perspective
During my working years, financial planning wasn’t a major concern. I wasn’t extravagant, but I had the freedom to buy what I wanted without excessive worry. Early retirement brought a new awareness of my finances. I needed to take a closer look at my spending habits and make some key decisions. I also shifted my investment strategies, prioritizing income over aggressive growth. Understanding my financial landscape intimately brought me immense peace of mind, allowing me to fully embrace my freedom without constant financial anxiety.
The Journey of Lifelong Learning
Perhaps the biggest surprise was the persistent desire for learning and personal growth. Ending my formal career didn’t mean my mind suddenly stopped craving stimulation. Quite the opposite! I pursued chess with renewed vigor, devoured books, and even experimented with painting (briefly!). Eventually, I dedicated myself to writing, striving to improve my craft. Retirement, it turns out, is the perfect chapter for exploring creative passions and expanding your horizons.
Embracing the Art of “Just Being”
While it might seem contradictory to emphasize planning and activity, it’s equally important to embrace rest and relaxation. One of the greatest gifts of early retirement is the time to simply be. To savor unhurried mornings. To take leisurely walks and listen to the sounds of nature. To have the space to relax and follow my impulses. After years of hard work, I’ve learned to appreciate the simple joys of existence.
So, if early retirement is on your horizon, know that it’s an incredible journey brimming with possibilities. Go into it prepared, stay curious, and above all, remember to enjoy the ride.