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Explore turning points, everyday joys and unexpected challenges after financial independence or retirement, with the date and original source for each account.

Age
Wealth
Years
Posts
51–60 of 67 posts

He kept accepting offers. Real retirement began when he started declining them.

Oct 2020 · Year 6

Life at the time

  • Exercise, home projects and managing family finances gave days shape.
  • He tried volunteering and stopped a teaching role that did not suit him.

How it felt

  • Turning down assignments restored control. “enough is enough”
  • Drawing from savings felt unsettling despite substantial resources. “unsettling mentally”

Fitness and family replace a target net-worth number

Oct 2020 · Year 3.5Interview snapshot · published 2021-03

Life at the time

  • Three and a half years into his retirement, the couple traveled, spent time with family, kayaked, cycled and exercised regularly.

How it felt

  • Their focus had shifted from reaching a particular balance to deciding how to live their remaining years. “more about how we want to live out our lives.”

The mortgage ended and spending became more generous

Oct 2020

Life at the time

  • Golf and bike rides complemented nonprofit roles.
  • His wife still enjoyed part-time teaching.

How it felt

  • He felt comfortable allowing wealth to decline. “no problem areas”
  • He described few retirement worries. “enjoy life”

He retired. His calendar filled with people who needed him.

Jul 2020

Life at the time

  • Grew and preserved food, volunteered at food banks and handled repairs. “Garden is in full swing.”
  • Faced dental and household expenses during a market downturn.

How it felt

  • Accepted that unexpected bills continued after leaving work. “Life Happens.”
  • Gardening remained an active part of daily life alongside those disruptions.

A market shock tested confidence; beach life made the trade worthwhile

Mar 2020Recalled in 2021

Life at the time

  • He used cash and bonds to buy falling stocks.
  • His value-heavy holdings recovered more slowly than technology stocks.

How it felt

  • The market decline briefly shook his confidence. “briefly unnerving”
  • Watching other investors’ gains was frustrating. “a bit frustrating”

Retirement became a return to school and a new kind of work

Jan 2020Recalled in 2022

Life at the time

  • She began a master’s program after her December exit.
  • Financial-literacy projects continued alongside study.

How it felt

  • The pandemic made her first retirement year feel strange. “super weird”
  • She wanted an academic fresh start. “academic do-over”

The money was enough. Learning to spend it took longer.

Mar 2019 · Year 1

Life at the time

  • Slept, cycled, read and took music lessons as a loose routine emerged.
  • Turned down job offers and spent less than the planned allowance.

How it felt

  • Initially felt unsure how to use the time. “I didn’t know what to do with myself, but I got plenty of sleep”
  • Became interested in selected creative work for engagement rather than simply income. “it’s not about the money anymore, it’s about the experience.”

He won his freedom—and ran out of goals.

2019 · Year 3

Life at the time

  • Declined more opportunities to protect personal projects.
  • Organized time with extended family and checked financial spreadsheets less often.

How it felt

  • Found saying no an important part of making freedom satisfying. “this third year was marked by saying no to most things”
  • Was shifting attention away from further financial growth. “more growth is not going to make me happier.”

He escaped Sunday-night dread. A decade later, even freedom needed downtime.

Dec 2018

Life at the time

  • Prepared for the oldest child to enter high school.
  • Planned extended travel for 2019 and anticipated later driving and college expenses.

How it felt

  • Found family life full enough to wonder how full-time work had fitted into it. “wondering how we ever had time for full time jobs”
  • Was aware of the next stage of parenting approaching. “college is just around the corner.”

A video hobby becomes a smaller working week

Nov 2018Interview snapshot · published 2018

Life at the time

  • After leaving corporate employment, he ran a video-services business for roughly twenty to twenty-five hours weekly and traveled with his wife.

How it felt

  • He preferred slowing down and enjoying their existing life over maximizing earnings. “I suppose working 20 to 25 hours a week, I’m already semi-retired.”

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