Mom’s financial advisor would challenge her on each visit.
“Karen, you are not using much of your Retirement portfolio. There are so many things you could be doing.” He’d press.
Unfortunately, my mother did not take his advice. As her Health declined, it became more of a challenge and the opportunity to take advantage of those well-earned savings faded away. As I reflect on this more than five years after her passing, I wish I had been more insistent that she took the freedom and flexibility she had had to reinvigorate her life with different and diverse experiences.
In the Bible, specifically the gospel of John in chapter 3, we find Jesus talking to Nicodemus, a member of the Jewish ruling council. A curious conversation ensures where Jesus states that no one will be able to see the Kingdom of God unless they are born again.
Confused, Nicodemus becomes very literal, wondering how someone can enter their mother’s womb a second time. Jesus goes deeper and ties the concept of “born again” and ties it to the human spirit and our tie to God’s Spirit. The Jewish leader still did not grasp the point Jesus was making, and I don’t blame him. Jesus points out, “Very truly I tell you, we speak of what we know, and we testify to what we have seen, but still you people do not accept our testimony. (John 3:11 NIV). An emphatic point that we tend to reject what we do not know.
Leaving the theological aspects behind, many people headed into retirement limit their opportunities to embrace a different Lifestyle as they age. Living is a mixture of what they know and an extension of what feels comfortable, they fail to try and be born again. Yet, by redefining identity, re-shifting the mindset, and living with intention a new life can be created without losing the old.
Many people don’t realize how deeply their career has shaped them until it’s gone. For decades, your role may have provided structure, status, social interaction, and a sense of accomplishment. Letting go of that identity can feel like losing a part of yourself.
But here’s the truth: you are more than your job title.
Letting go of the old doesn’t mean losing your value. It means creating space for something new. This is your chance to rediscover who you are without the labels — to explore what excites you, what moves you, and what you want your life to stand for now.
Detaching from your career identity is a healthy process, not a crisis. It’s the first step toward renewal.
In the working world, success is often measured by productivity, promotions, and achievements. But in this new phase, fulfillment becomes the true benchmark.
Being born again means shifting from doing to being. Instead of chasing goals set by others, you can pursue what truly brings you joy. This could be learning a new skill, mentoring the next generation, traveling, Volunteering, or simply savoring life’s small moments.
Adopting a Growth mindset — the belief that you can continue to grow, evolve, and find purpose at any age — is essential. Curiosity and passion don’t retire when you do. They just need to be reignited.
Ask yourself: What have I always wanted to do, but never had the time for?
Determine the impact of worry will and could have on your retirement life.
Without the structure of a job, days can blur together. Time, once scarce, now stretches wide open — and that can be both liberating and overwhelming.
A fulfilling post-career life requires intentional design. It’s about creating a rhythm that supports your well-being and passions.
Start by planning your days around what energizes you. Include time for:
When you take control of your time, you reduce decision fatigue and create a sense of purpose. A well-designed lifestyle brings Clarity and contentment.
Jesus’ teaching was much deeper than retirement, but the principle can be carried over. Life can be significantly revitalized when you are deliberate in taking time to plan out life and not just finances.
I had a great mom. She taught me so much during her life that has stuck with me to this day. What I had wished looking back on now was that I helped bolster her opportunity to look at the life she was leading as a way to strengthen her resolve and curiosity.
David Buck is the author of the book The Time-Optimized Life, coauthor of The Retirement Collective, and owner of Kairos (Time) Management Solutions, LLC. Learn how to apply the concepts of proactively planning and using your time. Take the Time Management Analysis (TMA), the Retirement Time Analysis (RTA), or all the other free resources offered to help bring more quality time into your life.
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