Retirement may be the end of a structured career but it is also the beginning of new opportunities. Even so, many women delay retirement out of the fear of losing purpose, financial instability, or social isolation. I know because I was one of them.

As an educator, I could have retired with full benefits, 10 years before I actually made the decision to retire. Of course, over that time I increased my income, and thus, positively affected my retirement annuity, so part of the delay was financial readiness. I also had a child still in college and student loan debts I needed to pay from my own educational pursuits.

But even when all of that was behind me, I wasn’t ready. I loved being integrally involved in school district leadership and the interactions I had with staff and students. I loved “steering the ship”, making decisions, and sharing in the successes of teachers and children. I also loved being busy. I have always been a high energy person and take pride in my ability to get things done.

So I stayed for 5 more years than I needed to financially. Why? Now that I am retired and have better perspective, I know it was because I was afraid. I was worried about simply not having enough to do. I was worried about being with my husband 24/7 and not having time for myself. I was fearful of losing touch with my work family and becoming an outsider to the community I was so integrally a part of. I was fearful of giving up control of the department I had worked so hard to lead. So I delayed. There was always a reason to stay – another project to lead, another teacher or assistant to coach, another campus to open. Does that “ring any bells” with any of you? Sound familiar?

For those of you that are in the place I was, I am here to tell you, there can be an amazing after chapter. Here are some action steps you can take before retiring and through the transition time in the months following retirement to make it a truly fulfilling next chapter.

1. Acknowledge Your Fears

Fear is completely natural. Try writing down your specific concerns about retirement and make a proactive plan to address each one.

2. Redefine Your Purpose

Explore new passions like volunteering, mentoring, or hobbies to stay engaged and fulfilled. There are so many organizations in every community that need people with your kind of talent, drive, and commitment.

3. Plan Financially

Review your finances and consider passive income sources to ensure stability and confidence. The internet is full of side hustle suggestions but do your homework. A lot of these are more difficult than they lead you to believe.

4. Stay Socially Connected

Maintain friendships, join clubs, or participate in activities to prevent loneliness and stay engaged. Make a plan to reach out to a friend at least once a week. Make new friendships by hooking up with other retired women through Retiring Boldly.org or @retiringboldly. FYI – I hope to organize a trip in the future. Contact me through the website if you would be interested in participating in that when the time comes.

5. Keep Learning

Take courses, attend workshops, or develop new skills to keep your mind active and stimulated. There are 1000’s of free courses online.

6. Prioritize Health

Exercise, eat well, and practice mindfulness to maintain physical and mental well-being. Don’t get bogged down on choosing “the right” diet. Start by simply trying to eat more fruits and veggies and less processed foods, and drink lots of water to start. Maybe try to walk 15 minutes or so a day to begin.

7. See Retirement as a New Beginning

Instead of an ending, view retirement as an opportunity to explore, travel, or start new projects.

Final Thoughts

With preparation and a positive outlook, retirement can be one of the most rewarding phases of life. Embrace the possibilities and make the most of this new chapter! You deserve it!!!

“She thought she would retire gracefully, but instead, she soared into her next chapter.” – author unknown