By Krista McBeath, McBeath Financial Group
“If You Want to See a Busy Person, Look at a Retiree!”
Retirement often carries the misconception of being a slow-paced, uneventful stage of life. But for many retirees, especially those who have planned well, it’s anything but boring. In fact, retirement often becomes a whirlwind of activity, filled with pursuits and passions that make every day meaningful. Retirees stay busy with a mix of hobbies, family engagements, travel, volunteering, and socializing—proving that life after work can be the most dynamic phase yet.
For many, staying active is a priority. Mornings on the pickleball court, afternoons spent gardening, or even a quick round of golf can keep retirees both physically fit and mentally refreshed. Others take to the road, seizing the freedom to explore new destinations or escape to warmer climates during the winter months. Travel is more than a pastime; it’s a celebration of the time they’ve worked so hard to earn.
Family plays a central role as well. Retirees treasure the flexibility to spend meaningful time with loved ones. Whether hosting family gatherings, visiting grandchildren, or sharing long conversations over coffee, these moments become the foundation of a legacy built on connection and love.
Equally important is the time spent giving back. Many retirees channel their energy into volunteer work—whether it’s supporting charities like the Humane Society or Faith in Action, mentoring others, or serving their community through food pantries and church activities. These efforts not only make a tangible difference but also provide a deep sense of purpose and fulfillment.
Social connections are vital, too. Retirees often gather with friends for lunch at favorite local restaurants, join Bible study groups, or simply enjoy the camaraderie of a close-knit community. These moments of connection are what make this stage of life truly rich and rewarding.
Of course, not every moment in retirement is carefree. Trips to the doctor, hospital visits, and saying goodbye to lifelong friends are inevitable. But these challenges underscore the importance of cherishing time and making the most of every day. Retirement’s true value lies in the freedom to prioritize what matters most.
I must admit that my perspective on retirement is shaped by the unique group of individuals I work with. My clients may not all be natural planners, but they’ve taken the important step of working with a financial planner to help them navigate this phase of life. This isn’t to say they’re all wealthy. Some live quite frugally, yet still enjoy richly fulfilling retirements. Their secret lies in intentionality: thoughtful preparation and a commitment to aligning their time and resources with their values. By engaging in the planning process, they ensure they have the freedom to live retirement on their terms and pursue the dreams they hold dear.
At the same time, I recognize that not everyone has this experience. Many people enter retirement without a clear plan or sufficient resources, which can lead to struggles both financially and emotionally. For some, the lack of direction or purpose can make this phase of life feel less rewarding. The key difference seems to lie in the planning. Planning doesn’t guarantee happiness, but it creates the conditions for freedom: freedom to spend time with loved ones, pursue passions, and contribute to the world in meaningful ways. That freedom, more than wealth itself, often defines a life well-lived.
As the saying goes, “No one on their deathbed ever wished they’d made more money.” Instead, regrets often stem from time not spent—with family, pursuing passions, or making a difference. Financial security, built through diligent planning, allows retirees to focus on what truly matters. It grants them the freedom to leave behind regrets and instead embrace a life of purpose and fulfillment.
Retirement isn’t the end; it’s a beginning. With careful planning, a focus on relationships, and a willingness to embrace new adventures, retirees can transform this chapter into the busiest—and most fulfilling—time of their lives. Time is your most valuable asset. Spend it wisely, and you’ll find that retirement is everything you hoped it could be and more.
Krista McBeath is an Investment Advisor, Chartered Financial Consultant, a Licensed Insurance Advisor, and a Fiduciary. As an experienced tax advisor, she specializes in financial planning, investments and insurance. Krista’s Amazon best-selling book, The Generational Wealth System outlines a holistic approach to preserving lifestyle, wealth, and legacy. Phone 309-808-2224 or email info@mcbeathfinancial.com for appointment information.
Advisory services are offered through Landmark Wealth Management Inc, dba McBeath Financial Group, an SEC Registered Investment Advisor firm. Insurance products and services are offered through McBeath Tax and Financial Services, LLC. McBeath Financial Group and McBeath Tax and Fina