The 5 Stages of Retirement
Retirement is a major life transition, much like starting school or landing your first job. It takes time to adjust to this new phase, and the process often follows a familiar emotional pattern. From pre-planning to finding contentment, retirement can be broken into five distinct stages, each with its own challenges and joys.
Marigolds at play in Krabi. Connections with other women make all the difference.
Stage 1: Pre-Retirement
This stage begins five to ten years before retirement, as people start to shift their focus from advancing their careers to planning for the next chapter. Financial planning often takes center stage, but it’s equally important to prepare emotionally.
"I started thinking about retirement when I turned 55," says Karen (62). "It wasn’t just about saving enough money; I had to ask myself, 'What do I really want my days to look like? Will I travel? Will I downsize?'”
Planning for hobbies, travel, or even relocating can help ease the transition. While this stage is filled with excitement, it’s normal to experience worry and doubt. Taking the time to plan holistically can make a significant difference when the big day arrives.
Stage 2: The Honeymoon Phase
Retirement is finally here—freedom at last! Many retirees describe this stage as a period of excitement, liberation, and relief. For one to two years, or even longer, life can feel like a perpetual vacation.
"I’ll never forget my first year of retirement," shares Linda (68). "I reconnected with friends, started painting again, and traveled to Italy. Every day felt like a new adventure."
This phase is often filled with hobbies, travel, and quality time with loved ones. However, it’s also important to set realistic expectations for the future and think about how to sustain this newfound joy.
Stage 3: Disenchantment
Once the honeymoon phase fades, reality sets in. Some retirees experience feelings of boredom, loneliness, or a loss of purpose. The anticipation leading up to retirement can make the day-to-day routine feel underwhelming by comparison.
"I wasn’t prepared for how lost I’d feel," admits Susan (70). "I had all this time on my hands, but I didn’t know what to do with it. I missed the identity my job gave me."
This stage can be challenging, but it’s also an opportunity to reflect and explore what truly brings fulfillment. Many people find that seeking connection and purpose helps them navigate this period.
Stage 4: Re-Orientation and Finding Yourself
Re-orientation is the most challenging but rewarding stage of retirement. It’s about redefining your purpose and creating a fulfilling life. This process takes time and effort, but it’s also where personal growth happens.
"It took me about two years to find my groove," says Marcia, 65. "I started volunteering at a local animal shelter and joined a book club. Suddenly, my days had meaning again."
Whether it’s pursuing a passion, taking up new hobbies, volunteering, or spending time with grandchildren, finding activities that spark joy is crucial. Retirement is a chance to try new things and build a life that’s uniquely yours.
Stage 5: Stability
The final stage of retirement is marked by contentment and happiness. By this point, retirees have settled into their new routines, found purpose, and embraced their identities outside of work.
"I’ve never been happier," says Joyce, 72. "My mornings start with yoga, I’ve taken up gardening, and I love hosting dinners for my friends. Life feels full and meaningful."
This stage is about enjoying the life you’ve built and feeling positive about your new chapter. It’s the culmination of all the planning, adaptation, and growth from the previous stages.
Final Thoughts
Retirement is a journey, not a destination. Each stage brings its own experiences and lessons. By understanding these stages and hearing from women who’ve navigated them, you can better prepare for your own retirement journey. Whether you’re dreaming about your post-work life or figuring out your new routine, remember: retirement is an opportunity to reinvent yourself and savor the life you’ve worked so hard to create.
