Retirement planning often focuses on financial investments, but there’s more to a happy and fulfilling retirement than just money. In this blog, we’ll explore six crucial investments you should make as you approach retirement or if you’re already retired. These non-financial investments can significantly impact your happiness, joy, peace, and overall satisfaction in your post-working years.

1. Invest in Experiences

The first investment you should make is in experiences. Many retirees tend to be conservative with their spending on vacations and unique experiences, fearing that they might outlive their savings. However, the early years of retirement, often referred to as the “go-go years,” are the perfect time to travel and enjoy life to the fullest. The energy and strength you have during this period make it an excellent time to invest in experiences. Regardless of initial reservations, most people return from vacations with no regrets. Embrace new adventures and cherish these moments.

2. Invest in Books and Learning

Curiosity is the fountain of youth, and in retirement, it’s crucial to actively invest your time and resources in learning and reading. Studies have shown that mental health can deteriorate in retirement if we don’t keep our brains active. Challenge yourself by exploring new subjects, reading books, and engaging in lifelong learning. This investment not only keeps your mind sharp but also adds meaning and purpose to your retirement.

3. Invest in Exercise

A healthy body complements a healthy mind. Investing in exercise pays off in many ways, including reduced physical pain as you age, a lower risk of dementia, and increased independence in daily life. You don’t need an intense gym routine; daily walks and bodyweight exercises can do wonders for your physical well-being. Prioritize regular physical activity to enjoy a more vibrant and active retirement.

4. Invest in Relationships

Retirement often means losing the built-in social connections provided by the workplace. To maintain important relationships, invest time and effort in nurturing them. This might involve traveling to visit friends, treating a friend to lunch, or simply spending quality time together. Isolation and loneliness can harm your brain health and increase the risk of dementia, so make it a priority to stay socially connected.

5. Invest in Healthy Food

Good nutrition is an investment in both your mood and mental clarity. While budget-friendly groceries might seem appealing, consider allocating more of your retirement budget to healthier foods. Think of this as an investment in your body’s long-term well-being rather than an expense. A balanced diet can significantly impact your overall quality of life in retirement.

6. Invest in Challenges

Contrary to the belief that retirement should be free of challenges, investing in hard things and setting goals is essential for maintaining a sense of purpose and fulfillment. Challenges are what make life interesting, and overcoming them adds meaning to your retirement years. Find a new hobby, learn a new language, or set specific goals and deadlines to keep yourself motivated and engaged. Introducing challenges and milestones into your retirement can ensure that your future remains brighter than your past.

A Simple Challenge for a Happier Retirement

To get started on your journey towards a more fulfilling retirement, try a simple challenge for the next five days. Set a daily reminder on your phone, perhaps in the evening around 8:30 or 9:00 PM. When the alert goes off, ask yourself, “What made today better than yesterday?” Reflect on a couple of positive things from the day. Then, consider, “What can I do tomorrow that will make tomorrow better than today?” This small exercise can help you appreciate the present and look forward to a brighter future in retirement.


While financial investments are undoubtedly important for a comfortable retirement, these six non-financial investments can enhance your overall well-being and ensure that your retirement years are filled with happiness, purpose, and fulfillment. Don’t overlook the significance of these investments as you plan for or navigate your retirement journey.


Disclaimer: Since we don’t know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Streamline Financial Services, LLC or its members cannot be held liable for any use or misuse of this content.

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Disclosures: Securities offered through LaSalle St. Securities LLC (LSS), member FINRA/SIPC. Advisory services offered through LaSalle St. Investment Advisors LLC (LSIA), a Registered Investment Advisor. Streamline Financial Services is not affiliated with LSS or LSIA. LSS is affiliated with LSIA.