I just retired. I firmly believe a person does not get to reinvent themselves in retirement. The person you were before retirement is who you are in retirement. If you’re a whiner, unhappy, always finding fault in those around you; well, guess what, retirement is going to suck. If you were happy before retirement, were active, had good hobbies and you find the good in people around you, retirement is going to rock!
As for money, we don’t have much, just enough. Like my mom always said about having kids, “If you wait until you can afford them, you will never have them”. My wife and I have always picked time over money. You have a chance to get money back, you never get lost time back.
What do I do? Well, in about an hour I meet the club for about a 40-50 mile ride up the coast and through the mountains; never could do that working. Tomorrow is kayaking. The day after that, watch my two grandkids and when I can find the time I squeeze in a house repair project.
Best of luck to you