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Work to Retirement #11: Whatcha Gonna Do?

May 29, 2025 By E.J. Smith - Your Survival Guy

By Monkey Business @ Adobe Stock

OK, so you’re retired. You made it. Much like getting through school, it may have been touch and go along the way. But that’s for another day. Here you are, and you’re wondering, “Hey, Survival Guy, what are your retired clients doing?” Good question.

As I scan my long list of retired or soon-to-be-retired clients, and some I spoke with today, I can tell you the number one goal is making sure there’s enough money to live on. That’s a given. But what about filling the days? Simply put, you’re busy doing life, with the number one activity being time spent with family.

Time with family, whether that’s helping with grandchildren, traveling, or just being together, is the number one activity. But what else?

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One of my long time clients hosts a regular listening party for friends and family where he’ll do some prep work and discuss artists and songs or focus on a certain time in, for example, rock and roll history.

Fishing is another big item on the list. Crabbing too. One client goes regularly with his grandson. Fly fishing is up there, as many of you know from other stuff I’ve written. Golf is a big one for obvious reasons. Then there’s skiing in the winter and the water sports in the summer, like sailing (some of you winter on your boat in the Bahamas), and another couple windsurfs this time of year in Hawaii.

Action Line: Whatever it is you enjoy doing, you’re lucky to be doing it and need to carve out time for yourself. Doing nothing at all is still doing something. Reading is doing something. In my conversations with you, you don’t sound stressed out. You sound like you’re enjoying life. That’s the point, isn’t it? When you want to plan what you’ll be doing in retirement, email me at ejsmith@yoursurvivalguy.com. For some extra inspiration, click here to subscribe to my free monthly Survive & Thrive letter.

P.S. One of my favorite quotes: “The most beautiful trips I took were through books, on my couch, in my living room.” — Yves Saint Laurent

Read the entire series here.

Originally posted on Your Survival Guy.

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E.J. Smith - Your Survival Guy
E.J. Smith - Your Survival Guy
E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998.

E.J. has trained at Sig Sauer Academy in Epping, NH, NH, where he completed course-work in Practical and Defensive Handgun, Conceal Carry Pistol, Shotguns, Precision Scope Rifle and Kidnapping Prevention.

E.J. plays a Yamaha Recording Custom drum set with Zilldjian cymbals. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West (RIP JB) and Paris.

Please get in touch with E.J. at ejsmith@yoursurvivalguy.com

Click here to sign up for my free monthly Survive & Thrive letter.
E.J. Smith - Your Survival Guy
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