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After years of retirement planning, the day has indeed arrived—almost. I’ve recently become a part-timer, working just three days each week in the outpatient physical therapy clinic, plus one Saturday per month at the acute-care hospital. Though I may be just semi-retired, the load already feels a whole lot lighter.
How so? For starters, I’m focusing less on gaining more from my job. Oh, I’m still keen to treat patients. That’s what drew me to physical therapy in the first place. But I’m stepping back from the sundry other jobs that have attached themselves to me. Instead, I’ll nudge the younger folks toward new responsibilities as I concentrate on giving my best to a shorter schedule.
How short? I’ve trimmed my three workdays to eight hours each, with afternoons free for other pursuits. My brief week of short days feels like a perpetual weekend, with its mix of work and play.
There are trade-offs, of course. Shorter hours leave me with less earned income. In exchange, I get more disposable time. How to spend it?
Home provides plenty of projects. My list is long, from a bedroom and bath renovation inside to demolishing and resurrecting storage buildings outside. Though I enjoy both the planning and the labor, I’ll probably employ a hybrid of do-it-yourself and hired help. Other tasks–like breaking up the concrete footing and floor of the old chicken house I tore down two years ago–I’ll have to tackle myself. There is little room for equipment, and manual laborers are scarce.
My garden beckons as well, especially the vegetables. From the peas I plant in January to the tomatoes of summer, I have vegetables in the garden and on the table every month of the year. That’s not a boast, just the product of my passion for nurturing plants to grow and yield fruit, and my family’s appetite for their taste.
My wife reminds me, however, that work shouldn’t consume all our retirement time. She’s ready for some leisure, especially travel. Alas, there’s a hitch to her plans. Our mothers are closing in on the century mark. Each continues to live in her home, which we fully endorse, but require help from us. As a result, our wandering is tethered by familial responsibility.
Between family pulling one hand and the lure of play the other, where’s the balance as my wife and I seek to find fun together? We’ve found part of the answer close to home.
For the last couple of decades, my wife and I have sacrificed our shared time to donate to busy, separate schedules. We are ready to reclaim that time, beginning with sunrise walks on my days off work. The exercise is moderate, but the conversation supplies substantial emotional nourishment. I’m reminded of the “windshield time” of a long drive together.
For real food, we’re venturing farther afield. We both love a good barbeque joint, but our standard meal is heavy on lighter fare. Since quality restaurants are scarce in small-town Georgia, especially those that serve the kind of fresh ingredients we prefer, we’re prepared to drive. After polling friends, we compiled a list of restaurants to check out in the surrounding communities. We’ve heard of married couples scheduling “date nights” to get a break from home life, but we have never indulged–until now.
If our local plans sound unambitious, then so will our travel itinerary. Yes, we’re now just partly-employed, with a lot more free time to devote to one of my wife’s loves. But as I indicated above, we feel bound to stay near home. We figure a five to six hour drive is the limit of our leash. Rather than sit home and sulk, we’re determined to ferret-out enough fun within this perimeter to keep us busy until our circumstances change.
Our first area of focus is the locale where our daughter attends college. Her school sits atop a mountain overlooking the small city where my wife found her first physical therapy job. We’ve moved a few hours away, but make annual return trips. We’ve sampled nearly every attraction on offer there, but our current plan puts us on the hunt for different game.
Our new strategy calls for frequent, short trips to create an extended, intermittent vacation. Our main base is a cozy Airbnb with enough amenities to feel like a second home. It lies in a quiet neighborhood, 15 walking minutes from an ice cream shop and a few restaurants, and a short drive from dozens of others.
But its best feature is proximity to miles of hiking trails. A five-minute stroll puts us on a trail up the mountain. From there, we can choose to loop back to our start in an hour or two, or make a day of it. We can even wander over to the college campus for a chat with our daughter.
For my daughter’s Easter break from classes, we traveled to our new spot to keep her on site to prepare for final exams. We did most of the hiking while she did all of the studying, but one morning the three of us drove across town for a few hours’ scrambling over boulders beside a cascading stream. I won’t say the walk was on par with the wilder trails we’ve trod, but on the trip back to our lodging we stopped to dig into a decent Mediterranean lunch. This style of hiking has its appeal.
Our new lifestyle may be termed “retirement-lite” by folks who have permanently replaced their work schedules with weekday tee times and travel plans, but it fits us well. It affords me a measure of the work that soothes my psyche, while providing my wife with temporary relief from her travel itch. And it gives us both more of the element that has been missing from our lives for too long–time with each other.
Thanks Ed for this post, it encouraged me as I am in a similar situation. I am “mostly” retired, still doing some part time IT consulting work for my former employer, which I can do remotely from anywhere. I live in the Northern VA area, and would love to move west to somewhere in the Shenandoah mountains region. However my wife’s mother lives near us, and she is requiring increasing amounts of our (mostly my wife’s) time to help her manage as she gets older – she is also living in her home. So moving is not feasible at this time – but I can follow your lead and take short trips to the area, and maybe even establish a kind of second home through an Airbnb that we return to frequently. Thanks for sharing your story! jeff
Thanks for letting me know, Jeff! Those mini-vacations sound like a great way to have fun while you explore a possible future hometown.
In 1994 after being downsized at age 48, I was one of the first people who worked from home. It was a big adjustment, but it all worked out. Started to retire at about 60 years old, but kept working. Then reduced work hours every year over the next 18 years, and turned it into a profitable hobby, selling industrial inkjet inks. After work being down to one hour a week, I fully retired at age 78 on 12-31-2024. So I eased into retirement and downsized two times and now live in an Independent Living faculty which I call my land locked cruise ship with unlimited activities and the most pleasant people ever.
That’s a long taper! I’m curious to see how long my desire to work lasts. I spoke to an old high school teacher last year who told me he was getting ready to retire for the fourth time at age 84.His first job after retiring as a teacher was bookkeeper, this fourth and last as a butcher.
I, too, have found my Continuing Care Retirement Community full of very nice people. I don’t know whether only nice people move to one, or whether knowing you will spend the rest of your life with your fellow residents leads to good behavior….
An excellent read – really resonated with my current season.
Just started a surprise sabbatical in April, the company I was running for a long time client was sold and the new ownership decided to change up the leadership. I got a nice severance coupled with a part-time consulting role for the next six months – hence the sabbatical!
After the shock wore off, the gift was readily apparent and I recognized it for the wonderful opportunity to take a trial run on early “retirement”. My priorities have been self-care and exercise. I had no sense of how burned out I had become and according to my wife, a bit “cranky” – she said I am much improved six werks into this season. Long walks with the dogs, excellent podcasts, and planning for a couple adventures have made all the difference. I expect to return to gainful work again once the consulting role ends either vis-a-vis my own private practice (which I am already doing as a side hustle – Estate & Business Planning) or with some other company (already have a couple of interested suitors looking for me to join their organizations). But for today, I am just enjoying this gift!
Thanks, Kevin. I was aware of my burn-out symptoms, and I’m very thankful for my new situation. There was some doubt that the part-time position would actually be created. In January, I decided on a last day at my present job in February of next year. I then pushed hard for the new position. My boss is still getting used to the idea, but I plan to keep trimming off my extra tasks until I’m left with just a patient schedule. My personal down-sizing is my new project.
Good going! I quit cold turkey, boy I wasn’t ready for the stress of having no schedule to follow. It took months for my to be able to relax, and just chill if I want. I volunteer and have ‘home work’ as well and have learned…’one thing a day’ and quit.
After over a half century of working, it takes concentration to not do anything!
I’m still trying to find my balance. Last week, we got a short-notice invitation to meet a group of close friends for a late-morning activity and lunch. We initially said no, but decided we didn’t want to give up the social time. I then told my wife I would skip our morning walk so I could get some work in before we left home. But, I had second thoughts as I considered my plan.
I wound up walking with my wife, followed by a furious hour of work, had a great time with friends and devoted the afternoon and evening to completing the work I’d begun that morning. I finished the day feeling great, with a good lesson for the future.
This is great, Ed. What a thoughtful and balanced approach to transitioning into retirement that also takes into account where your family is (daughter in college, moms needing support).
We have a similar scenario with visiting our daughter in San Diego County, about 450 miles from where we live. We can drive there or there are plenty of flights. We’ve actually rented a VRBO at the beach for three weeks in July so we can just be in and out of her life as schedule and inclinations permit. This also satisfies our itch to be near the ocean as much as possible without actually moving there (which is still not entirely off the table but not imminent). Since she moved there in 2023, we’ve tried out several different hotel/resort options, and I’ve started eyeing some rental condos where her friend’s parents stay when they visit.
I like the idea of having a place(s) that we return to somewhat regularly that are not home but also feel familiar and comfortable. West Maui has become that for us over the years because of our timeshare ownership, and to a lesser degree, Scottsdale, Arizona because we go there for a weekend every year to watch spring training baseball. It’s fun to see new places, too, of course, but this model also has its charms.
Thank you for your kind words, Dana. I’d like to say we sat down one evening and handed in the finished product in a couple of hours. The truth is, it has taken a couple of years, but now we have a basic plan to act on. I expect it will continue to evolve as everyone’s life changes.
I know you and your husband are facing your own season of change. In your post earlier this month, you shared the conflicting thoughts and choices facing you, including the possibility of buying in SD. I think you are smart to just do a short-term rental for a while.
San Diego is a great place to visit. My wife has old friends in Solana Beach who’ve turned a detached garage into an Airbnb/VRBO apartment. It’s about a ten-minute walk to the beach, in a quiet neighborhood. They have at least one customer who has made several one-month stays with them.
I wish you all the best as you figure out your next move.
Solana Beach is where we’re staying in July! Our daughter lives and works in Vista.
Before she moved to Georgia, my wife lived in Vista. 🙂
Ed, This sounds like an excellent transition plan. I understand the call of household/home projects, but you gotta have some fun, too! Go for it.
No worries, Jeff, my wife is holding me accountable.
A sweet plan, Dr Marsh!
Getting sweeter every day, David.
Congrats on your well planned approach to your retirement. As health care providers, we, who love our career and not consider it a job, do have plenty human connections and relationship w our patients.
I was 71 but active and the work load was not too demanding that I thought I could work another 10 years or so but then all of sudden things changed and was forced to retire because of my wife’ health condition. The thing I missed the most was the human connection in retirement,
I wish you and yours healthy and well. Enjoy your time together. Our best time is when we are able to spend time together on our daily 4 to 5 miles walk each morning around and about in our 55+ community. Good luck & God bless.
My wife and I once compared schedules just to let the other know how and where we each planned to spend our time. Now we decide how to spend the time we know we are sharing. I like this new life! Thanks for your good words.
Enjoyed your post, Ed. You seem to be in such a good place right now. What surprised me in retirement, especially as time went on, is how much I missed having a greater impact on other people’s lives.
While transitioning to full retirement, you are still creating positive value through your work and caregiving as well as finding more time for your family’s needs.
You summed it up nicely, Marjorie!
Ed, your planned semi-retirement looks great and I know you’ll enjoy it. You definitely have plenty of things planned which will keep you more than busy.
When I was still working, I remembering asking retired guys how they spent their time. Often they’d say they’re busier than they were before they retired. Back then I always thought that was just so I wouldn’t feel sorry for them as they were probably just sitting around bored and watching daytime TV. Now that I’m retired, and happily so, I’ve found it’s actually true!
Andrew, I think my schedule will always be full. I hope so!
Congratulations Ed. Sounds like a great plan. I especially like the plan to take mini vacations at a place you like.
Thanks, Michael. I’ve followed the reports of your travels with interest. I don’t think we’ll ever be nomads, but the idea of an extended stay–say a month or so–somewhere interesting is appealing. We can’t do that now, but we think a number of shorter trips to the same local is an acceptable substitute.
Congratulations on your near retirement. Puzzled as to how you can work an eight hour day and still have the afternoon free. (But I’m a night owl, I rarely get up before 8:00 these days.)
Kathy, I’m an early bird, and my 4:30 quitting time and short commute easily leaves me with a couple of hours of activity before settling down. I haven’t had those two hours for decades, not since I was a school boy. I get a strange feeling walking out of the clinic so early. Thanks for the congrats!
Congratulations on your transition, Ed. It sounds like you have a great plan that works for everyone in your family at this stage in life. I’m sure that in addition to your “main base” vacations, you’ll be able to create some great adventures within your prescribed radius. We’ve become experts at taking 4-5 day trips that allow us to explore a new area without spending an entire day driving to it. We favor B&B trips as we enjoy the social aspect of getting to know the hosts and other guests.
Thanks, Ken. Our first main base is just a warm-up, but I think will be a constant in our lives over the next three years while my daughter is in school. The three of us enjoy the quick visits for a meal or two and a hike.
But, as you allude, we’ve already begun looking for other locales where we’d like to follow a similar pattern. And there is a social aspect. At the primary Airbnb, a chatty neighbor filled me in on some other neighbors on the street, people we’d met or expect to meet through the college. It’s feeling even more like home.
Congratulations Ed, Your plan sounds great, and I love how you have tailored it to you and your wives desires and realities. I admire that you are taking care of your Moms, and wish you good luck with that. Does the change in hours worked have any impact on health insurance? I have no doubt you have that fully under control – just curious.
Thanks, Rick. My wife had a bit of a tug-of-war for a couple of years, with her thinking it’s time to retire and me resistant to change. We finally hammered out a plan that we think balances everyone’s needs.
Great question about insurance, and yes, that was part of the calculation. Twenty-four hours per week is the threshold to keep the same insurance benefit for just a reasonable increase in premium.
Congratulations Ed.
Eliminating the parts of the job you don’t enjoy as much as the parts you love may have you thinking why did I not do this sooner.
I know when I went to a reduced work schedule the decreased gross income mostly eliminated the FWT from my paycheck because I was keeping my 401(k) total dollars the same dollar amount. I changed by W-4 to add an additional flat % withholding so I would not be short on timely taxes paid in thus avoiding possible underpayment penalties.
Best, Bill
Thank for the congrats, Bill, and the tax advice. Transitioning out of my non-clinical roles is a slower process than I would like, so my hours at work are actually a little busier. That’s especially true since I’ve stopped taking any work home, including checking email (mostly). But I’m determined to reach a level of work that I can enjoy for a long time.