{"id":7067124,"date":"2026-09-26T04:42:54","date_gmt":"2026-09-26T04:42:54","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/lessons-learned-in-early-retirement-so-far\/"},"modified":"2026-09-26T04:42:54","modified_gmt":"2026-09-26T04:42:54","slug":"lessons-learned-in-early-retirement-so-far","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=7067124","title":{"rendered":"Lessons Learned in Early Retirement (So Far)"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div itemprop=\"articleBody\">\n<h2>Lessons Learned in Early Retirement (So Far)<\/h2>\n<blockquote>\n<p class=\"c-article-body__text text-pr-5\"><strong>\u201cYou\u2019re off the clock seven days a week. You can wake up, eat, play, work and go to sleep when you want.\u201d<\/strong> \u2013 Rob Carrick, former personal finance staff columnist, <em>The Globe and Mail.<\/em><\/p>\n<\/blockquote>\n<p class=\"c-article-body__text text-pr-5\">I echo those comments.\u00a0<\/p>\n<p><a href=\"https:\/\/www.theglobeandmail.com\/investing\/personal-finance\/retirement\/article-the-highs-and-lows-of-one-retirees-first-year-out-of-the-work-force\/\" target=\"_blank\" rel=\"noopener\">Rob\u2019s\u00a0<em>Globe\u00a0<\/em>article (subscription\/paywall) caught my eye this week<\/a> and as an early retiree myself I thought I would respond and chime in with my own reflections \u2013 some lessons learned in early retirement (so far).<\/p>\n<p class=\"c-article-body__text text-pr-5\"><b>People will be genuinely happy for you\u2026<\/b><\/p>\n<p>Agreed.<\/p>\n<p>My retirement party was great and my workplace colleagues seemed genuinely happy for my future non-working self although some were quite surprised that we 1. decided to retire so early and 2. others wondered how we did it.\u00a0<\/p>\n<p>Generally, everyone to Rob\u2019s point is \u201c\u2026on your side when you retire.\u201d<\/p>\n<p class=\"c-article-body__text text-pr-5\"><b>You will spend more money than you thought\u2026<\/b><\/p>\n<p>Agreed.<\/p>\n<p>Travel is our biggest expense this year but that\u2019s all discretionary. We have plans to travel international again later this year beyond our three-week retirement celebration road-trip we took this spring to Newfoundland. I haven\u2019t posted all those details here on the site but you can certainly watch everything <a href=\"https:\/\/www.youtube.com\/@myownadvisor\" target=\"_blank\" rel=\"noopener\"><strong>on our YouTube channel!<\/strong><\/a><\/p>\n<p><iframe loading=\"lazy\" title=\"Newfoundland Roadtrip Top Tips\" width=\"840\" height=\"473\" src=\"https:\/\/www.youtube.com\/embed\/OIqONY9z4r8?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p class=\"c-article-body__text text-pr-5\"><b>You need tent poles to fill your schedule\u2026<\/b><\/p>\n<p class=\"c-article-body__text text-pr-5\">Agreed, to a point.<\/p>\n<p class=\"c-article-body__text text-pr-5\">I had a busy schedule (when working, like journalists) and I also believe I have \u201c\u2026skills that translate well into scaled-down work\u201d if I so choose, but most days, I enjoy slower mornings, time to exercise, and time to maintain this site and consider other hobbies, including some new volunteer work.<\/p>\n<p>While I would agree you need and likely desire ways to fill your time, time moves differently as an early retiree.\u00a0<\/p>\n<p>Before retirement, we both felt rushed. Rush to get home, cook, then complete other tasks around the house.<\/p>\n<p>Now, we have days or weeks to think ahead\u2026or just sit and think. \ud83d\ude42<\/p>\n<p>My wife and I are learning to embrace a slower pace, embrace time to think, and in some cases (in a very positive way) be somewhat bored with our respective thoughts.<\/p>\n<p>It\u2019s actually a wonderful place to be in \u2013 time to slow down, think, and act accordingly <strong><em>on own schedule.<\/em><\/strong><\/p>\n<p class=\"c-article-body__text text-pr-5\"><b>Health remains wealth\u2026<\/b><\/p>\n<p class=\"c-article-body__text text-pr-5\">I\u2019ll stress this point much more than Rob did.<\/p>\n<p class=\"c-article-body__text text-pr-5\">Preparation for retirement is <strong><em>not mainly<\/em><\/strong> about accumulating money although money is important.<\/p>\n<p class=\"c-article-body__text text-pr-5\">I\u2019ve long believed <a href=\"https:\/\/www.myownadvisor.ca\/health-is-wealth-dont-forget-this-when-planning-for-retirement\/\" target=\"_blank\" rel=\"noopener\">health is the ultimate form of wealth<\/a> regardless of how much money you have \u2013 since money is just a tool after all \u2013 and money is only good if you can actually use it.<\/p>\n<p>I\u2019m hardly where I want to be in terms of overall fitness but averaging 10,000+ steps per day, golfing each week, cycling 100+ km per week have been nice starting points for me this summer. More work to do\u2026<\/p>\n<p class=\"c-article-body__text text-pr-5\"><b>You need to trust the plan\u2026<\/b><\/p>\n<p>Agreed.<\/p>\n<p>One mantra on this site amongst others is:<\/p>\n<blockquote>\n<p><strong>plans are good but the process of planning is essential.\u00a0<\/strong><\/p>\n<\/blockquote>\n<p>This is because life changes and your plans need to change with it.\u00a0<\/p>\n<p>While comprehensive financial plans are more than retirement income projections, I\/we do our own income projections every 6-12 months and I would suggest you do the same.\u00a0<\/p>\n<p><a href=\"https:\/\/www.myownadvisor.ca\/helpful-sites\/\" target=\"_blank\" rel=\"noopener\"><strong><em>You can read more about my low-cost income projections services and discounts on those services anytime here.\u00a0<\/em><\/strong><\/a><\/p>\n<p class=\"c-article-body__text text-pr-5\">\u201cA good plan says how much you can sustainably spend each year. Go with it.\u201d, <strong>yes, but adjust it too.<\/strong><\/p>\n<p class=\"c-article-body__text text-pr-5\"><b>There are moments of complete satisfaction\u2026<\/b><\/p>\n<p class=\"c-article-body__text text-pr-5\">Agreed.<\/p>\n<p>This includes saying \u201cyes\u201d and \u201cno\u201d to things.\u00a0<\/p>\n<p>While work did provide some solid structure in our lives, a routine to get up, get out, and get to work only to come home again 8-10 hours later, we still crave some level of regular weekly activities \u2013 things to do but we also avoid doing some things since we have the luxury of time to do it later\u2026<\/p>\n<p class=\"c-article-body__text text-pr-5\"><strong>And finally, we don\u2019t worry about money (as much)!<\/strong><\/p>\n<p>As a passionate DIY investor\/personal finance and investing nerd this one has surprised me and somewhat aligned to my point above about trusting the plan.<\/p>\n<p><em>We don\u2019t worry about our spending budget as much \u2013 we know what we need, what we want and have already built-in some annual buffer just in case as part of this household formula:<\/em><\/p>\n<p><img srcset=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/04\/Income-Needs-and-Wants.png 926w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/04\/Income-Needs-and-Wants-300x110.png 300w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/04\/Income-Needs-and-Wants-600x220.png 600w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/04\/Income-Needs-and-Wants-768x281.png 768w\" fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/04\/Income-Needs-and-Wants.png\" class=\"aligncenter wp-image-33569 size-full lazyload\" alt=\"Income Needs and Wants\" sizes=\"(max-width: 926px) 100vw, 926px\"\/><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-33569 size-full\" src=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/04\/Income-Needs-and-Wants.png\" alt=\"Income Needs and Wants\" width=\"926\" height=\"339\" srcset=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/04\/Income-Needs-and-Wants.png 926w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/04\/Income-Needs-and-Wants-300x110.png 300w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/04\/Income-Needs-and-Wants-600x220.png 600w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/04\/Income-Needs-and-Wants-768x281.png 768w\" sizes=\"auto, (max-width: 926px) 100vw, 926px\"\/><\/p>\n<p><em>We don\u2019t worry about where the income is going to come from \u2013 we\u2019ve mapped that out in our Retirement Income Map that I will adjust annually.\u00a0<\/em><\/p>\n<p><em>We don\u2019t worry about the timing of future government benefits like our CPP or OAS income streams and how those income sources will impact any taxation burdens \u2013 we know that too.\u00a0<\/em><\/p>\n<p><img srcset=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/03\/Our-Retirement-Income-Map-March-2026.png 1130w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/03\/Our-Retirement-Income-Map-March-2026-300x112.png 300w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/03\/Our-Retirement-Income-Map-March-2026-600x225.png 600w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/03\/Our-Retirement-Income-Map-March-2026-768x287.png 768w\" decoding=\"async\" src=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/03\/Our-Retirement-Income-Map-March-2026.png\" class=\"aligncenter wp-image-33443 size-full lazyload\" alt=\"Our Retirement Income Map - March 2026\" sizes=\"(max-width: 1130px) 100vw, 1130px\"\/><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-33443 size-full\" src=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/03\/Our-Retirement-Income-Map-March-2026.png\" alt=\"Our Retirement Income Map - March 2026\" width=\"1130\" height=\"423\" srcset=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/03\/Our-Retirement-Income-Map-March-2026.png 1130w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/03\/Our-Retirement-Income-Map-March-2026-300x112.png 300w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/03\/Our-Retirement-Income-Map-March-2026-600x225.png 600w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2026\/03\/Our-Retirement-Income-Map-March-2026-768x287.png 768w\" sizes=\"auto, (max-width: 1130px) 100vw, 1130px\"\/><\/p>\n<p><em>We still enjoy watching our dividends and distributions flow in every month \u2013 so I\u2019ll keep those updates coming too.<\/em><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"Fj6spBcKFr\">\n<p><a href=\"https:\/\/www.myownadvisor.ca\/august-2026-dividend-income-update\/\">August 2026 Dividend Income Update<\/a><\/p>\n<\/blockquote>\n<p><iframe data-src=\"https:\/\/www.myownadvisor.ca\/august-2026-dividend-income-update\/embed\/#?secret=QnyHkaSDgF#?secret=Fj6spBcKFr\" class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cAugust 2026 Dividend Income Update\u201d \u2014 My Own Advisor\" data-secret=\"Fj6spBcKFr\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>What we don\u2019t obsess nor worry about much any longer \u2013 surprisingly \u2013 is money.<\/p>\n<h3><strong>What we\u2019ve learned from early retirement \u2013 so far!<\/strong><\/h3>\n<p>Many DIY readers and my growing list of subscribers have been fans of this site because they already know what goes into managing their own money \u2013 and they want to engage with yours truly to see how I figure this out.<\/p>\n<p>So far in early retirement, so good.\u00a0<\/p>\n<p>I have no doubt I\u2019ll have more lessons learned in the coming years.<\/p>\n<p><em>Do share your own lessons learned in a comment below. Happy to read and engage back.<\/em><\/p>\n<p>Mark<\/p>\n<p><strong>Related Reading:<\/strong><\/p>\n<p>I continue to help and support all Canadian DIY investors as much as I can <a href=\"https:\/\/www.cashflowsandportfolios.com\/retirement-projections\/\" target=\"_blank\" rel=\"noopener\"><strong>through these low-cost retirement readiness projections!<\/strong><\/a><\/p>\n<p>I shared a few years back, <a href=\"https:\/\/www.myownadvisor.ca\/why-you-may-not-need-any-more-money-advice\/\" target=\"_blank\" rel=\"noopener\">given there are 80,000+ personal finance books on the shelf, you might not need any more financial advice.<\/a><\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Lessons Learned in Early Retirement (So Far) \u201cYou\u2019re off the clock seven days a week. You can wake up, eat, play, work and go to sleep when you want.\u201d \u2013 Rob Carrick, former personal finance staff columnist, The Globe and Mail. I echo those comments.\u00a0 Rob\u2019s\u00a0Globe\u00a0article (subscription\/paywall) caught my eye this week and as an [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7067125,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[5508,11254,5200,11077],"dealstore":[],"offerexpiration":[],"class_list":["post-7067124","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-early","tag-learned","tag-lessons","tag-retirement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Lessons Learned in Early Retirement (So Far) - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=7067124\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lessons Learned in Early Retirement (So Far) - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Lessons Learned in Early Retirement (So Far) \u201cYou\u2019re off the clock seven days a week. 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