5 Ways We Spend Our Time After Retiring in our 40s

posted in: Retired Life 7

If you’ve ever thought about retiring, it probably goes something like this:  

Retirement sounds wonderful, but what would I do with myself?  Won’t I get bored sitting around all day?

Well, I’m here to tell you that you will NOT get bored.  Sure, you may find yourself getting into a comfortable routine, but everyday is unique.  Your financial independence will provide  you with a blank canvas to paint your life each and every day.

My wife, Allison, and I retired 2.5 years ago. I was 43 and she was a year older at 44. Since we left the workforce, we’ve spent our time mainly doing the following things:

Physical Fitness:

It’s hard to be really dedicated to staying in shape when you’re working a full-time job and commuting. Now that we have the time, we work out almost everyday.

My workout schedule used to be whatever I could fit in on the weekends (usually 1 or 2 yoga classes). Here’s my schedule now:

  • Mon/Weds/Fri: Lift weights & Walk 2 miles
  • Tues/Thurs/Sat: Yoga, Swim & Walk 2 miles
  • Sun: Yoga OR Swim & Walk 2 miles


Showing off my guns with Rocky in Philly this summer


Before retiring, we would take a vacation maybe once every 2 years. It was just always hard to find the right time for both of our busy work schedules.

In the 2.5 years since retiring, we’ve done 3 big trips and several smaller ones. The big trips were:

  • The Panama Canal — Including visiting Colombia, Costa Rica, Guatemala & Mexico
  • Europe — Visited Italy (Rome, Florence, Naples), Spain (Barcelona, Valencia), France (Nice), Monte Carlo, The Vatican, Sicily & Sardinia
  • SE Asia — A 5-week adventure exploring Singapore, Hong Kong, Thailand (Bangkok, Chiang Mai), Vietnam (all over). I even got Dengue Fever (which I don't recommend). 


Exploring a pagoda in Hanoi, Vietnam

Writing & Teaching:

I didn’t realize I could be a writer, or even want to be a writer until I retired. The only writing I did when working was writing work emails — really boring stuff.

Now I write 2 blogs (Retire By 45 and Experiencify), and I’ve written articles for a number of sites (like Business Insider, Elephant Journal, Lifehack, and others).

I’ve also created several online courses on Retire By 45 to teach young people what to do to successfully retire early.


Before retiring, Allison and I usually ate on the run. We’d grab a quick bite as we left for work, then usually eat out for lunch, and get take-out for dinner.

Now that we have the time, we focus much more on the quality and enjoyment of our meals. Allison loves to cook and experiment in the kitchen. We love getting healthy and inexpensive ingredients from our local Chinatown and farmer’s markets.

And of course we still treat ourselves to the occasional restaurant meal, but it’s usually something we really want to experience and not just getting a quick bite.

About to indulge ourselves with crab in Singapore


And I’d be lying if I didn’t admit that we spend a lot of time enjoying leisure. Whether that’s enjoying time in nature, or being couch potatoes and watching our favorite TV shows and sporting events (with our two 18-year old Siamese cats).

When you’re retired, you can slow down and enjoy your time. You don’t have to worry about getting to sleep early for work the next day, or sweating that big work project. It’s all about quality of life.

Hopefully this gave you some incentive to make early retirement a reality for you, too!

7 Responses

  1. Andy Hill

    Living the dream brother! Congratulations on your diligent planning. You deserve it!

    It’s stories like these that give us all hope that we can be living that lifestyle too.

    Do some leisure sittin’ for me!

    • dylinr

      Thanks Andy! You’re well on your way to living this lifestyle as well. In the meantime, I’ll do some leisure sitting for ya!

  2. David @iretiredyoung

    I retired early 10 months ago, aged 48, and I’m keeping a diary this month of what I’m doing during what used to be my 9 to 5 working hours. I’m going to post it on my blog next month.
    There are times when I think others will judge my early retirement a failure if I’m not hang-gliding in the morning, scuba diving over lunch and climbing Everest in the afternoon! But then I remember why I retired early, to have the freedom to do what I want, not what others expect. Like you, I have a good amount of comfortable routine, some fun things and some exciting plans – it certaonly works for me, which is the point of it after all.
    Thanks for reminding me that this is alright.
    All the best, David

    • dylinr

      David — I love that way you put it with the expectations of hang-gliding, scuba diving, and mountain climbing. It really is all about having the freedom to spend your time doing what you enjoy. And who knows, that might even include the occasional bungee jump if you’re so inclined!

  3. Frogdancer

    I’m working very hard to be able to enjoy numbers 5 and 2 on your list.

  4. Javier

    Living the dream. Traveling, eating good food, staying in shape and working when/if you want to. Most importantly enjoying life at you pace. This is what I have planned for the near future.

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