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3 Things Women Need In Retirement To Be Happy

3 Things Women Need In Retirement To Be Happy

December 05, 2019
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Most of our days are spent working hard just to get to the weekend for a little break before the cycle starts again on Monday. Sometimes it’s hard to lift our heads up long enough to make plans for our next vacation, much less for when our working days are finally over. What comes to mind when you think about preparing for retirement? Most of us just think about the financial aspects, but it’s also important to prepare for the emotional and psychological changes that come along with retirement. 

Retirement isn’t just about having enough money in the bank to quit work. Yes, you need a stream of income you can’t outlive, but it’s also about more than that. Retirement is a time to rest, take adventures, and begin a new chapter in life (a chapter that could last 20-30 years). And just as women face unique challenges in their careers, their needs in retirement are also unique.

So, today let’s take a look at three things women need in retirement to be happy. 

1. A Structured Schedule

Most of your life you’ve stuck to some type of schedule. You planned your days out in grade school, in college, and then throughout your working years. Retirement is arguably the only time in your life when you have no structure at all. The calendar is completely blank, and you’re free to plan out your days how you wish. 

This newfound freedom is fun at first, but a lack of structure can lead to restlessness. The days turn into weeks, weeks turn into months, and before you know it, you don’t know where the time has gone. 

To help with this change in routine, keep some type of schedule when you retire. You don’t have to plan out every second of every day, but implement some routines to keep yourself from getting bored. 

Want to stay healthy in retirement? Sign up for workout classes a few times a week. Want to keep in touch with friends? Schedule a weekly lunch date. Want to pick up a new hobby? Dedicate a specific block of time to it. Create a schedule you can look forward to.  

2. A Sense Of Purpose

Many of us find our purpose in our careers. What we do for a living is ingrained in our identity, and once we retire, it’s often hard to find a new passion. So, what will your purpose be in retirement? How will you stay engaged and content? 

According to a recent retirement survey, 76% of retirees who engage in 10 or more activities are very satisfied in retirement, compared to only 52% for those engaged in 1-4 activities. (1) Some activities that give retirees a new sense of purpose include:

  • Spending time with family
  • Socializing with friends on a regular basis
  • Gardening and improving the home
  • Traveling
  • Volunteering
  • Joining a club or organization

And don’t think it’s too late to find your life’s passion. A recent study found that people with a sense of purpose have a 15 percent lower risk of death compared to those who are aimless. (2) The study also found that it doesn’t matter when you find your direction. Even if you’re in your 70s, it still leads to a longer life. 

3. A Strong Community

Last but not least, surround yourself with people you love. Studies show that 62% of women miss their daily interactions with colleagues after they retire. (3) If you stop and think about it, this makes sense. Women spend the better part of their lives connecting and building relationships in the workplace. Once retired, it can be difficult to replace this type of connection. 

The good news is that engaging in the activities listed in #2 (spending time with family, volunteering, joining a club, and so on) is a great way to stay connected and add meaning to your life. 

We’re Here To Help

We at ClearVista Financial know how hard you work—and how much you’re looking forward to retiring one day. Our goal is to help you live a worry-free retirement, and we believe this starts with taking steps today to make sure you’re financially, emotionally, and psychologically prepared. If you need assistance securing your financial future and planning for a fulfilling retirement, schedule an introductory meeting to see if we are the right fit for you. Email me at, call 800-491-4508, or click here to book your free introductory meeting today! 

About ClearVista Financial

ClearVista Financial is a faith-based independent financial services firm providing financial planning and retirement planning to pre-retirees and 401(k) plan participants. Founded by Mark Trice, ClearVista strives to help people find financial balance in their lives and spend their lives well. As a Certified Kingdom Advisor (CKA®) advisor, Mark provides professional guidance while also incorporating biblically-based financial management truths into ClearVista Financial’s advisory practice. ClearVista Financial has offices in Austin, Brownwood, Temple, Houston, and Waco, Texas. Along with serving clients in Texas, the team also works with individuals in Arizona, California, Colorado, Maryland, Missouri, New York, Washington, West Virginia, and Virginia. To learn more, visit or connect with us on LinkedIn.