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How to plan (non-finance) for retirement

How to plan (non-finance) for retirement

February 20, 2018
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Over the past few weeks, I’ve written a lot about retirement and what you can do to get yourself ready for it. These posts have focused on the financial side of retirement, but there is much more to it than money. In today’s post, I will be discussing how to plan for retirement – the non-financial way.


What does retired life look like? Are you traveling around the world? Maybe you’re driving around the country in a camper, or maybe you are staying put, spending time with the grandkid.

What you do during retirement has a large impact on my other areas, including where you live, what you will do to occupy your time, and who you will socialize with.

Social Interaction

Socializing during retirement has a huge impact on how much you enjoy it, and your health. Whether you plan on working, volunteering, or joining a club or organization, make sure you spend time outside of the house with others.


Where you retire has a lot to do with the kind of life you wish to lead during your golden years. If you plan on traveling frequently to other countries, you should probably find a small space that wouldn’t require much upkeep and won’t cost too much.

If you plan on staying close to your grandchildren, downsizing to a smaller home could be an option, but staying in your current home is also a possibility if plan on frequently hosting family events. If you continue working that would require you to stay where you are.


Work during retirement is a very real possibility for a lot of people. Some plan on working because they love what they do and some plan on working because they need the money. Work during retirement is a great way to stay connected and socialize, it’s a great way to provide for yourself without having to dig into your retirement savings, and it could be a way to obtain health insurance.


Your health is an extremely important aspect of retirement. Your health can dictate when you retire, the life you live, and how long retirement will be. Though unavoidable to a point, poor health is costly. Having the proper health insurance coverage is very important.

If you retire at 65 or later, you will have Medicare for health insurance. If you retire before 65 and don’t have coverage through a previous employer or union, you will have to go to the Healthcare Exchange, which could be costly.


When you retire could very well be out of your hands. If you are in poor health you may be forced to retire. With people generally being healthier and living longer, the age you begin retirement could me 30+ years of doing what you want.

This could be enough time for a second career, time to travel, or time to spend it with those you love. However, if your health is declining it might make more sense to retire and enjoy the time you have doing what you love.


Retirement planning isn’t just about money. It’s figuring out where you want to live, what you want to do, and who you want to spend it with. Doing what you love with who you love will make you feel very fulfilled during this stage in life. Whether you have the money to live lavishly or you need to pinch pennies and work part-time, you need to plan to make the most out of your retirement.