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Retirement sounds really good when you are stuck in a gray cubicle all day. But while it is great to avoid rush hour traffic, mindless meetings, jerky co-workers and stressful assignments, there are a few downsides to retirement. Not having to work anymore can be great, but you might be surprised by what you will miss about work:
Social interaction. We spend eight to 10 hours a day at work, so naturally we have many friends and colleagues at the office. Once you retire, you will lose touch with most of your co-workers. They will be busy with work while you're trying to find something fun to do. For new retirees who do not have many friends outside of their workplace, retirement can be a lonely transition unless they cultivate new relationships.
Structured days. Another good thing about work is that it provides a general structure for your days. You have a loose schedule to follow, and this makes life comfortable. People rely on you to be somewhere at a certain time.
When you are retired, your whole day is unstructured. You need to figure out what to do with all that time. Many people get stuck watching TV or surfing the Internet and do not get much done when there are no time pressures.
Goals. Work also provides us with short-term and long-term goals. There are important assignments to accomplish, and they keep us busy.
Deadlines can be stressful, but they also push us forward. Retirement drastically cuts down on the number of goals you need to deal with. There are the usual household chores and things to fix, but that's a big reduction from the expectations placed upon you at your job.
Health care benefits. Most of us have health insurance through our employer. Sure, we pay for it out of every paycheck, but many employers also help out quite a bit. If you retire before qualifying for Medicare, you will have to buy your own health insurance. The cost of health care is going up every year, and it will take a big bite out of your retirement fund.
Retirees have a lot of time, so they could potentially deal with day to day issues without calling a service person. Doing household chores yourself can be a lot of fun, but sometimes it is easier to just call the plumber to fix a broken toilet.
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