Category Archives: Retirement

Retirement Offers Opportunities for Giving Back

­April is National Volunteer Month, a chance for people to celebrate and explore community involvement and engagement. For those of us born and raised in Minnesota, it’s a given that this liberal oasis of the Upper Midwest — the state with the most progressive politics, consistently high voter turnout and a nation-leading Arts and Cultural Heritage Fund — would also rank highly in volunteerism.

According to Minnesota Compass, a nonprofit affiliate that provides “credible, easy-to-access data” about the state:

  • 42.4 percent of Minnesotans age 16 and older volunteer, placing us behind only Utah and Vermont and outranking neighboring South Dakota by 1.3 percentage points, Iowa by over 5 points and Wisconsin by 11 points (though the Dairy State bests Minnesota in voter turnout).
  • Fundraising and food collection top our volunteer activities, followed by clothing distribution, providing transportation, youth mentoring, and tutoring or teaching.
  • And here’s one from the Bureau of Labor Statistics: On any given day, adults (especially women) age 65 and older are far more likely to volunteer than older teens or young to middle-aged adults. No surprise: We have the gift of time!

At this stage of life — post-career, my parents gone, my two sons launched and thriving — working for a cause rather than a paycheck has become more possible and palatable. “Never give away your time for something you can get paid for,” an attorney once told me as he was setting up a consulting business toward the end of his career. In short, don’t write and edit for free if you can land contract work or freelance gigs.

But that dictum matters less to me now that I’m retired. In fact, one motivation for volunteering since I left full- and part-time employment is to make use of the professional skills that I honed for decades. Having the luxury of less structured time and the opportunity to stay engaged with both peers and younger people are other good reasons for retired Boomers — “the wealthiest generation to have ever lived,” according to the Michigan Journal of Economics — to get out there and give back.

Photo by Elissa Garcia on Unsplash

The Golden Rule of volunteering? Put others first.

What do we owe?

The rewards of a professional, managerial-level career tend to be long term, and realized through your leadership and mentoring of others. Volunteering, by contrast, lets you make a tangible, immediate impact in a two- or three-hour shift.

  • Our clients at the warehouse and food shelf in my neighborhood have to meet federal poverty guidelines to qualify for one monthly visit. I do my best to ensure it’s worth their while. Because of my recent work as a warehouse greeter, people saw a well-stocked display of expensive protein drinks next to the bottled water. And got a shot at fancy popcorn varieties that I hustled onto the floor after opening boxes of donations from Target. And had the chance to take home cans of cat food, which rarely is supplied, and the extra-large jars of peanut butter that always move quickly because each family is entitled to only one jar.
  • The exhausted grandmother who drove a family member from South Dakota to Planned Parenthood North Central States in St. Paul may not have found a bathroom for her restless granddaughters had I not worked an escort shift last week.
  • The woman suffering from a UTI wouldn’t have been shielded from the invasive press of protestors on the city sidewalk outside our building, who assume that every visitor to Planned Parenthood is there for an abortion.
  • The young woman whose face looked drained following her clinic visit would have had no one to wave down her Uber and get the driver to pick her up beyond earshot of the white-haired men and stern, determined women shouting unsolicited advice.

I like to walk, bike or take the bus home from these volunteer gigs, so I have time to reflect on the satisfaction of helping others, with no expectation of payback. I was born into privilege and, more important, given the tools — higher education, investment skills and acumen, the modeling of my father’s work ethic — that have allowed me to build and sustain a comfortable lifestyle.

Photo by Lina Trochez on Unsplash

“Of whom much is given, much is required” (Luke 12:58). Although I’m not prone to quoting Bible verses, in part because I’m not among the 78% of U.S. seniors who identify as Christian, I do believe that privileged people are obligated to make a difference in their community and the wider world.

And we are: Over half of all volunteers in Minnesota have annual household incomes of at least $75,000 and nearly 47% of volunteers are non-Hispanic whites, a population whose household incomes outstrip those of all races except Asian Americans.

Better now than never

Given the life shift that retirement represents, the benefits to seniors of volunteering are the best argument for getting involved: increase your physical activity, meet new friends, stave off loneliness and isolation, regain a sense of purpose. Indeed, numerous studies seek to prove how volunteering can improve physical and mental health as we grow older.

“I don’t know how I found time to work” is a common refrain among those of us who are recently retired. Just under 40% of volunteers in Minnesota are 65-plus, says the Compass data, placing us fifth among U.S. states for the percentage of older-age volunteers.

I first toe-dipped into authentic volunteering, which I distinguish from job-related community involvement, in January 2018. I signed up online at Planned Parenthood, eager to work on behalf of reproductive freedom — a cause that I consider essential to women’s equality and empowerment.

Soon I was staffing tables at various events and working at phone banks, often to stump for pro-choice legislative candidates. Since retiring, I have upped my activities with Planned Parenthood — helping to pack abortion kits, serving as a clinic escort — even though my reproductive years are over. I want to remain in touch with social issues and riff off the energy of people less than half my age.

Volunteers at the Keystone Community Food Center in St. Paul — which houses a food market, a sizable warehouse and several foodmobile trucks — tend more toward folks like me: white, well-off retirees who are past the demands of full-time careers but physically agile enough to work on our feet and cart around heavy boxes of food and supplies.

Quote by cellist Pablo Casals, on a bridge over Midtown Greenway in Minneapolis.

Some of the causes may affect us older volunteers less directly than they once did, and the outcome of issues like climate change and threats to America’s democratic experiment will harm our children and grandchildren’s generations more than ours. But that speaks to what, I believe, is the most worthy reason to volunteer: to leave the world a better place.

“Your legacy is the world you leave behind for the people you love the most,” says climate activist and Third Act founder Bill McKibben. We proved ourselves up to that challenge in Minnesota during the federal government’s violent occupation earlier this year.

That makes me proud.

How You’ll Know When It’s Time to Let Go

Ego, irritation and exhaustion are the watchwords of this story — the emotional and physical habits that work against us as we age. TLDR is the cheeky abbreviation for “too long, didn’t read” (yes, I learned that from a Millennial), so if you’re stopping here, try to guard against:

  • Self-importance (the conviction that only you know what’s best).
  • Sanctimoniousness (feeling thwarted when others counter what you believe to be right).
  • Overdoing it (because you believe you can control the outcome).

I want to tamp down these tendencies in the autumn of my life. Quitting work at age 68 may help me do that.


Image by freepik

I have talked about retirement so often in this blog that my friends and family just dismiss me: You love being busy. You’ll never quit working. The first statement is true. The second has changed, which I never anticipated during my decades as a careerist.

At the end of August, after months of hand-wringing and internal debate, I finally left the last of my part-time jobs. I embraced the word “retirement,” even as I struggle still with what it means.

Getting there has been a journey:

  • Three years ago, in September 2022, I resigned from full-time employment after I turned 65 and archly declared that no one should view me as “retired,” given the two part-time positions I’d taken on.
  • Six months later, in March 2023, I described those jobs as a “glidepath” toward retirement and interviewed two peers who were taking similar approaches.
  • A year into the gig work, in September 2023, I described how part-time professional work pulls more on your intellect and energies than a job you leave behind once the shift is over.
  • In July 2024, more than a year before official retirement, I wrote about the decision to draw Social Security at age 67. It was another step closer to the inevitable. And toward acceptance.

Finally, this past February, I gave six months’ notice and developed systems that would make the transition easier for my successor. Here’s how I reconciled my instinctive desire to keep working — despite the privilege of financial security — with the reality that it was time to move on.

The first half of life is devoted to forming a healthy ego, the second half is going inward and letting go of it.

Swiss psychiatrist and psychologist Carl Jung

Once ego takes over

My final job was as managing editor of Streets.mn, an online publication that advocates for “people-centered communities”: bike and pedestrian infrastructure, public transportation, vibrant public spaces and more abundant housing throughout Minnesota. The quarter-time position was the only paid job within the volunteer-based organization. I worked with board members who had full-time responsibilities elsewhere, with unpaid contributors who had little professional writing experience, and with copy editors who were donating their time and had varying degrees of commitment to learning the fine points of AP Style.

The work was rewarding and challenging — a big stretch for a part-time gig, with the responsibility of publishing a new piece of well-reported content every weekday. The board would warn me from time to time that donations were down and cut my hours for several months at the end of 2024. And yet I remained motivated and immensely proud of the work, getting to my computer every workday before 6 a.m. to ensure we met the 7 a.m. publication deadline.

Dedication morphed into ownership as I passed the three-year mark. I thought less about what “we” were accomplishing, together, with this reputable publication and more about how “I” had transformed it into a well-oiled machine.

My successor approaches the role differently and is contributing her own strengths. In the four weeks since I left, I have ceased to check the website every morning and note the copy-editing changes I would have made. (A friend challenged me to stop; just stop.) Time to separate, to let go and, for my own peace of mind, to abandon the notion that my way is the only and obvious answer.

Endings are a little overrated. When the ending is here, it’s here, and you just move forward.

WNBA all-star Diana Taurasi, who retired in 2025 at age 42

Restless, irritable and discontent

My insider joke, more relevant a year ago, was that I didn’t want to become the Joe Biden of Streets.mn — the oldest person in the room at board meetings, writers’ gatherings and readers’ happy hours; the leader who couldn’t accept that she was aging out.

Collaborating with younger people helps keep me mentally fresh. I’ve recognized that since I turned 60. Still, as my quit date got closer, little irritants kept popping up that I could only attribute to a generational divide:

  • A Macalester College student who wrote for us occasionally texted me after our coffee meeting to suggest I use AI editing to reduce my workload — apparently unaware of all the years of experience and mentorship it required for me to get good at this.
  • A guest on a Streets.mn podcast episode declared that “all cops suck” in Minneapolis, and the host agreed, as though it’s a verified fact. I don’t believe that to be true, nor is it my experience with police. But maybe those are the uninformed musings of an older white woman.
  • Though I often told writers that an editor’s job is “to make you look good,” I grew weary of polishing stories that lacked focus or solid reporting. I wondered whether my obsession with word choice, fact-checking and well-crafted sentences was outdated in an era when fewer people read books — or read, period — and when TikTok users see “celebrities” and “influencers” as a legitimate source of news.

A former college professor, a woman whose work was her calling, told me she knew it was time to retire when she got tired of dealing with students. Exactly.

We do best when we learn how to have both work and rest in our lives.

Women Rowing North (2019), by Mary Pipher

The body’s wisdom

I kept notes during the first month of my retirement to track how this life change feels physically and emotionally. I was sick the first few days: stomach problems, little appetite, a newfound love of naps. After consulting WebMD and freaking out at the possibilities, I came to recognize that my malady was pure exhaustion.

I am grateful every day that I enjoy such good health at 68. I can’t imagine life without biking, walking, yoga classes, physical mobility. Yes, these are the “golden years.” But how long can they last?

Two weeks ago, my cousin had to cancel our plans to meet at the Minnesota Landscape Arboretum, and I had an entire day unscheduled. I cooked and listened to podcasts, took a bath and read, baked spoonbread in two pans and shared one with a neighbor who has suffered a broken collarbone. I never allow myself this luxury of time.

“When transitions happen and identities change, one of our great challenges is to find a new sense of meaning and purpose in our lives,” writes psychologist Mary Pipher in the 2019 book Women Rowing North, which is written for the phase of life I’m entering.

This is my chance, finally, to put family first. To cultivate and honor friendships, the intentional family that has stood by me. To spend time with my first grandchild and be present for my grown sons. To retire not only from a career but from achievement and doing, from broadcasting accomplishments on LinkedIn, from filling up my calendar because it helps me feel important.

Time is fleeting. That’s a reality for everyone, but only in old age do you know it to be true.

Travel as a Practice for Retirement

A version of this story appeared on June 10, 2025, in Next Avenue, a national publication for older adults published online by Twin Cities PBS.

When I left full-time work in September 2022, two months after turning 65, people naturally asked me how I liked retirement. Once I’d barked out my disdain for the R-word — chin lifted, spine stiffening — they learned not to inquire again.

In fact, the anxiety masked as rigidity was less about them than me: Retirement is a daunting prospect for us Baby Boomers who link our identity and sense of self with work.

I still don’t call myself “retired,” even though I work only a quarter-time job and a handful of contract gigs. But that’s about to change. I’ve given notice at my job, and my first grandchild is on the way, along with some shared responsibility for infant care.

Husband, David Studer, and our older son, Sam Studer, who is at London Film School

Since my husband and I had planned an overseas excursion this past April to visit our older son, who is studying at London Film School, I decided to approach the trip — only my second time in Europe — as practice for the less structured, more selfless life that is awaiting me.

Here’s what I learned.

Lesson 1: Lose Track of Time

We go-getter careerists live and breathe by our agendas. This holds true for me even 32 months after leaving full-time work. My quarter-time job, my freelance assignments, even fitness classes and coffee dates with friends: All fill my calendar at least a month or two out from where I stand today.

The decision to avoid sticking to a rigid schedule in London, aside from ticketed events and planned outings with our son, was an exercise in letting go — both a relief and a discipline all its own. As we planned the trip, I insisted on only one “anchor activity” a day, forcing a spontaneity I rarely allow myself to experience.

My favorite times were early mornings, while my husband was still asleep. With no deadlines to hit or dogs to be walked, I wrote in my journal. Sent postcards back home to friends. Read the library book I had downloaded on my iPad.

I refused to check work emails, relying on the out-of-office message that told people I was away, and tried to sit with the discomfort of being unproductive. The clock dictates my day, and it took effort to silence the pragmatic voice that drives me, even on weekends: “It’s 10 a.m., and you’ve accomplished nothing.”

So what? No one was monitoring my output or keeping score on how deeply I dug into London’s vast cultural scene. Free to let the days and evenings take their course, I felt how nourishing a less hectic life can be. No coincidence, I slept longer and more deeply in a stranger’s British flat than I ever do at home in my own bed.

Lesson 2: Get Out in the World

As luxurious as it was to hang out some mornings, I also had days when I left my night-owl husband sleeping at the Airbnb and struck out on my own. March and April are London’s least rainy months, and a stretch of sunny weather made it a joy to start the day walking the streets or seeing the view atop an iconic, red double-decker bus.

Pro-tip: Google Maps and the Transit app were my best sources of navigation, but I also felt more comfortable being out alone in the daytime once I’d been in town long enough to learn my way around.

One of my fears about full-on retirement is losing regular contact with younger colleagues and allowing my world to shrink. It’s become tempting as I age to stay home with a good book and a homecooked meal, or to settle in with my pets and watch Netflix or women’s basketball and tell myself that is enough. Or that it’s safer.

So, following the lead of a widowed friend who goes alone to movies and concerts and routinely travels on his own, I spent the better part of one morning at the Tate Britain — one bus ride away — browsing the museum store, strolling through galleries and relaxing outside the cafeteria with my book. Yes, I was alone, but I was also among people.

Given my career in journalism and communications, I can easily strike up conversations with strangers, even in a city with thick English accents. The trip showed me how to carry my professional skills into retirement, when I no longer can wrap myself in the security blanket of a title and role, with a ready answer to the question: What do you do?

Lesson 3: Dress to Please Yourself

During my decades as a business reporter and later a marketing-and-communications director, I dressed up every day. Looked and acted the part of a career woman. I enjoyed shopping and the creativity of assembling a wardrobe — mixing and matching outfits, coordinating earrings, scarves and shoes — but toward the end of my career, especially after COVID, “dressing for success” felt like donning a costume. It wasn’t me!

In London, I had no one to dress for but myself. My comfort, the weather and how far I would likely walk that day dictated what I wore. That meant:

  • Comfortable shoes with heel support and a roomy toe box for the 17,062 steps I averaged during my nine days abroad.
  • Little to no eye makeup, even for “Carmen” at the Royal Opera House, because it could smudge in the wind and cold.
  • Refreshing my short razor haircut the day before we left, so I could fluff it with my fingers after wearing a hat for warmth or sun protection.
  • Ditching the more fashionable purse for a sturdy backpack, both to free my arms while walking and to discourage bag snatchers.

Now that I operate from a home office, I rarely dress up anymore. “Athletic casual” is how my younger son defines my style. Retirement allows that freedom — to quit comparing myself with younger women and dress for the age and body type I am today. And for movement, the best antidote to low energy and stiff joints.

Lesson 4: Keep Learning

My gradual glidepath to retirement these past two and a half years has given me time to adjust, both financially and emotionally. Of course, I worry: Will we have enough money? Who will I be without work? Will volunteering and family life fulfill the sense of purpose that a career has given me for decades?

A trip to London is not exactly high adventure for a white American with English roots. Still, I find it fitting that a foreign country became my place to try out a different way to live. Retirement is a bold undertaking, a journey toward a different land. My passport — my practice in the coming months — will be to remember and refresh these lessons learned.