Over Scheduling Retirement Week One

Adjusting to Retirement

Twelve. I counted them. Twelve appointment or activities scheduled for my first week of retirement. There are notations on the calendar every day but one and only because the appointment for that day was postponed, a weather delay.

I was warned by my retirement mentors to avoid over scheduling myself. I can see how easily that can happen. An eye appointment here and a coffee meeting there. Still, I think I needed a full schedule for this first week.  I feel good. A sense of accomplishment in fact.

My aha moments of more time:

  • Ease of scheduling mid-week, mid-day appointments
  • Workout classes with a smaller group of people
  • Less traffic when most people are at work
  • Relaxed coffee with a friend
  • Waking up without an alarm clock
  • Last minute road trips

I’m trying to celebrate and recognize the gifts that come when forty+ hours of my week are not scheduled.

While I haven’t faced any moments of retirement panic, I did have a nightmare that I was overdrawn on my bank account by $17,000. I don’t know where that figure came from. With more time comes more opportunities to spend money. 

I have a budget and I’m going to do my best to stick by it. I’m one of those lucky people with a pension, so I’ll always have money coming in for the basics. It’s the worry about my IRA and my withdrawal schedule that could be a problem, especially in a stock market where 1-2% drops on a daily basis have been the norm over the last month or two. Luckily, I’m looking at the long run and have enough in “safe” funds to last for several years without worrying about the dollars in the more moderate funds.

Do I feel like I’m on vacation? Maybe a bit. It will feel more like that as I work on the final details for my retirement trip in the next few months. Watch out New Zealand! Here I come!

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