Retirement is a significant life event that requires careful planning and consideration. It’s not just about financial preparedness but also about the psychological, physical, and social aspects of transitioning into this new phase of life. In this blog, we will explore some new retirement insights and expert advice to help you not only survive but thrive during and after retirement.

Phase 1: The Long Goodbye

Many individuals experience what is known as the “long goodbye” stage, where they hesitate to retire due to financial concerns or fears about losing their sense of purpose and significance. To overcome this stage, it’s essential to not only address financial worries but also focus on running toward exciting opportunities in retirement. Consider discovering activities that fulfill the three Cs: creativity, connection, and contribution.

Phase 2: The Messy Middle

After the initial excitement of retirement wears off, some individuals find themselves in the “messy middle” phase, where they wonder if there is more to retirement than they initially thought. This phase can be overcome by taking the time to reflect, pray, and gain clarity about what activities and pursuits will bring fulfillment in this new stage of life.

Phase 3: The New Beginning

The “new beginning” phase is where retirees feel fulfilled, purposeful, and excited about their future. However, it’s important to recognize that retirement will have a mix of emotions, including anxiety and worry. Journaling can be a helpful tool to acknowledge and address these feelings and facilitate positive change.

Practical Tips for Your Ideal Retirement

Celebrate the Transition: Mark the beginning of your retirement with a celebration, big or small, to acknowledge the end of one chapter and the start of another. Share this moment with family and friends to make it even more special.

Embrace Creativity: Explore your creative side by engaging in activities like art, writing, starting a business, or helping non-profit organizations. Cultivating creativity will keep your mind active and bring joy to your retirement.

Stay Curious: Continue learning and staying curious about the world around you. Lifelong learning has been linked to improved brain health and overall well-being.

Replace Old Habits: Identify and replace habits that no longer serve you in retirement. Be mindful of potential shifts in habits, such as early alcohol consumption, and make choices that promote a healthy and fulfilling lifestyle.


Retirement is a major life transition that requires thorough planning and preparation for both the financial and non-financial aspects. By understanding the different phases of retirement and implementing the practical tips shared here, you can set yourself on a path to achieve your ideal retirement filled with purpose, fulfillment, and financial security. Embrace this new chapter of life with curiosity and enthusiasm, and you’ll be well-prepared to make the most of 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.