Tag Archives: social security

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.

How will you know when it is time to retire?

I am thinking about retirement. I am not yet ready to retire. As a committed careerist and the longtime breadwinner for my family, I never expected to find myself stuck in this state of limbo.

Ads for retirement planning now pop up routinely on my digital feeds, as though Mark Zuckerberg is reading my mind or listening in on my private conversations. Some web Wizard of Oz behind the curtain knows I am only 15 months from the magic age of 65.

Recent online ads include:

  • “Women’s Retirement Roadmap,” sponsored by an insurance agency
  • “The New Reality in Our Retirement,” put on by Retirement Wealth Academy
  • The provocative clickbait Take This Quiz to See if You Can Retire Comfortably.

A year ago, I bit. I took a two-part “Retirement Planning Today” workshop with a colleague only nine months older than me who is now happily three months into her retirement — assuring me that the pricey, self-funded health insurance prior to turning 65 is worth being done with the pains and politics of work.

Shortly after the workshop, I queried my recently retired friends: What had to be in place financially for you to leave full-time employment? What financial decisions or sacrifices did you have to make?

Many months after gathering their responses — and a year into a pandemic that made planning all but impossible — I find that my questions about retirement are less practical than existential.

  • Who will I be when I no longer am working?
  • How will I know when the time is right?
  • How much notice would be fair to my employer without putting me in a position where I have to leave before I’m ready?
Photo by kazuend on Unsplash

Turns out, I fit the mold of late-stage middle-agers, almost to the point of cliché. “Pre-retirement” leads the five stages of retirement, the years when your focus shifts from career growth to financial security. “For many, this stage is a time of excitement and anticipation. But it can also be a time for worry and doubt, especially in the year or two before retirement,” writes Eric Paquette, a blogger whose helpful insights appear on the website for a Canadian retirement community.

Here are some takeaways from what I suspect will be ongoing conversations with my friends and siblings who have crossed this bridge.

What I love best is never having to be anywhere at any time with anyone I don’t choose.

Former journalist and communications director

Money changes everything

“It’s a real privilege to be able to afford to retire and have your health,” says my oldest sister, Debbie, who retired at 65 — from a career that mattered — because an experimental cancer treatment had improbably saved her husband’s life. They wanted time together while they both had time.

Every other woman I interviewed likewise had the financial ability to retire, but not before meticulous planning with a financial advisor. Despite advice to the contrary from business websites that cater to the lifestyles of the professional class, these workaday women proved the ability to live on less once you leave a full-time job.

Prior to COVID, Peggy, now 70, was camping and taking road trips rather than traveling internationally, as she long had dreamed. A divorced woman who lives alone, she completed a budgeting worksheet with her financial planner six months before she retired.

Up for evaluation were her subscriptions and charitable donations, how often she could visit her hairdresser, the level of her internet and cable service, even whether she could afford another cat. “I was a bit flipped out when I discovered my expenses would take just about every dime of my Social Security,” says Peggy, a former journalist who also relies on a “small but critical” union pension.

Nan, now 67, is among several women I know whose employers retired them earlier than they otherwise would have left. She began drawing Social Security as soon as she qualified but is saving it in a high-interest money market account. “I was prepared to find a part-time job that I would not bring home with me,” she says. Ultimately she chose to spend time with her father in his final years and with her growing grandsons.

“My advice?” she says. “Take stock of what you want to do in this next chapter, and you can figure out how to make it work.”

When you leave, no one will remember who you are.

Tim, a happily retired insurance executive

Caring less need not equal apathy

I called a woman recently who turned 66 in February and is planning to retire in June. The work she does “seems to matter less,” both to her employer and to her. “I just don’t care as much anymore,” she said, and that’s a foreign feeling.

Similarly, a male insurance executive who earned a national profile in his field and whose income afforded him both a family home and a lakeside retreat says the shift to digital marketing in his company spelled the end of his career — but so did a gradual shift in his attitude, his ambition. “My heart wasn’t in it anymore,” he says.

Tim went through his LinkedIn account and broke ties with anyone he did not consider an actual friend, a person whose hand he would shake or with whom he’d share a meal. (That makes me wonder how many of my 1,918 LinkedIn connections I even know.)

Many retired people say they miss some things about working. I like having a purpose and a place to go, even as I recognize that I no longer care about climbing the career ladder (and struggle not to judge that as apathetic or disloyal).

My friend David, an attorney and human resources consultant who fully retired at 70, offered some advice last fall that continues to stick with me: “You’re going to be offended by this,” he said, “but I think you need to learn to coast. You don’t have anything to prove anymore.”

The time since leaving my day job has been richer, fuller and busier than my pre-realignment time.

Attorney who retired at 66

Retire is a fraught, misleading word

“I know you,” my older sister Penny likes to say. “You’re going to be busier than ever in retirement,” and I suspect she’s right. Upping my commitments to causes such as women’s healthcare and hunger relief, volunteering to dog walk at the Animal Humane Society, teaching fitness classes for older women, writing and editing more, working what I call a job-job to pay for extras and essentials. That is how I envision my post-professional years to be.

When my friend and former colleague Mary left our place of employment at age 60, back in 2017, she didn’t call it retirement. “I just said I was going to take time to figure out what came next,” she says. “I was pretty sure it wasn’t going to be another full-time professional job, but who knew? These days, I’m comfortable using the word retirement.”

Photo by Dan Gold on Unsplash

Realignment is the word my friend Helene insists on using. It describes the life she has crafted, from deep engagement with progressive political and social justice causes to earning a second advanced degree. “My job was OK, and the benefits were good, but I also really wanted to leave with time to do work I care about,” she says. “I’ve watched too many folks my age or younger get sick or die to keep believing I had unlimited time for all this.”

Boredom and Barcaloungers, restlessness and rocking chairs, depression and the demise of useful days: Stereotypes about retirement are so inaccurate and outdated that it may be time to retire the word itself.