Retirement For Newbies
@retirementfn.bsky.social
Helping you prepare for retirement and navigate the early years of retirement.
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https://open.substack.com/pub/retirementfornewbies
Subscribe to our 100% free weekly newsletter👇
https://open.substack.com/pub/retirementfornewbies
The biggest financial mistakes in retirement rarely look like mistakes at the time.
They look sensible. Sensible trips. Sensible generosity. Sensible caution.
Here are 10 common traps new retirees fall into, and how to avoid them.
substack.com/@retirementf...
They look sensible. Sensible trips. Sensible generosity. Sensible caution.
Here are 10 common traps new retirees fall into, and how to avoid them.
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
The biggest financial mistakes in retirement rarely look like mistakes at the time.
They look sensible. Sensible trips. Sensible generosity. Sensible caution.
Here are 10 common traps new retirees ...
substack.com
January 21, 2026 at 11:29 AM
The biggest financial mistakes in retirement rarely look like mistakes at the time.
They look sensible. Sensible trips. Sensible generosity. Sensible caution.
Here are 10 common traps new retirees fall into, and how to avoid them.
substack.com/@retirementf...
They look sensible. Sensible trips. Sensible generosity. Sensible caution.
Here are 10 common traps new retirees fall into, and how to avoid them.
substack.com/@retirementf...
Challenges Feel Smaller With Support
Life has its hills, big and small. Health, finances, family. Facing them alone can make them feel steep.
Next time you’re struggling, reach out. Talk to a trusted friend or family member.
Sharing the load doesn’t change the………
substack.com/@retirementf...
Life has its hills, big and small. Health, finances, family. Facing them alone can make them feel steep.
Next time you’re struggling, reach out. Talk to a trusted friend or family member.
Sharing the load doesn’t change the………
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
Challenges Feel Smaller With Support
Life has its hills, big and small. Health, finances, family. Facing them alone can make them feel steep.
Next time you’re struggling, reach out. Talk to a truste...
substack.com
January 21, 2026 at 8:30 AM
Challenges Feel Smaller With Support
Life has its hills, big and small. Health, finances, family. Facing them alone can make them feel steep.
Next time you’re struggling, reach out. Talk to a trusted friend or family member.
Sharing the load doesn’t change the………
substack.com/@retirementf...
Life has its hills, big and small. Health, finances, family. Facing them alone can make them feel steep.
Next time you’re struggling, reach out. Talk to a trusted friend or family member.
Sharing the load doesn’t change the………
substack.com/@retirementf...
Reposted by Retirement For Newbies
Retirement doesn’t steal your purpose. It exposes how much of it was being carried by structure.
When that structure disappears, the brain still expects a starting line.
If you’re struggling to find purpose this may help.
substack.com/@retirementf...
When that structure disappears, the brain still expects a starting line.
If you’re struggling to find purpose this may help.
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
Retirement doesn’t steal your purpose. It exposes how much of it was being carried by structure.
When that structure disappears, the brain still expects a starting line.
If you’re struggling to find...
substack.com
January 19, 2026 at 11:21 AM
Retirement doesn’t steal your purpose. It exposes how much of it was being carried by structure.
When that structure disappears, the brain still expects a starting line.
If you’re struggling to find purpose this may help.
substack.com/@retirementf...
When that structure disappears, the brain still expects a starting line.
If you’re struggling to find purpose this may help.
substack.com/@retirementf...
Reposted by Retirement For Newbies
Reposted by Retirement For Newbies
The “busyness equals fulfilment” trap
Be careful not to fall into the busyness trap.
Filling your calendar with activities makes you feel productive, but it doesn’t guarantee meaning.
Distraction can look like engagement, until the noise dies down.
True fulfilment….
substack.com/@retirementf...
Be careful not to fall into the busyness trap.
Filling your calendar with activities makes you feel productive, but it doesn’t guarantee meaning.
Distraction can look like engagement, until the noise dies down.
True fulfilment….
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
The “busyness equals fulfilment” trap
Be careful not to fall into the busyness trap.
Filling your calendar with activities makes you feel productive, but it doesn’t guarantee meaning.
Distraction c...
substack.com
January 19, 2026 at 8:37 AM
The “busyness equals fulfilment” trap
Be careful not to fall into the busyness trap.
Filling your calendar with activities makes you feel productive, but it doesn’t guarantee meaning.
Distraction can look like engagement, until the noise dies down.
True fulfilment….
substack.com/@retirementf...
Be careful not to fall into the busyness trap.
Filling your calendar with activities makes you feel productive, but it doesn’t guarantee meaning.
Distraction can look like engagement, until the noise dies down.
True fulfilment….
substack.com/@retirementf...
Retirement was supposed to remove stress.
But for many people, it simply changes it.
Work stress is loud and obvious.
Retirement stress is quieter. A low hum of “Am I doing this right?” or “Why do I feel unsettled when life is easier?”
Not all stress is bad.
Some……
substack.com/@retirementf...
But for many people, it simply changes it.
Work stress is loud and obvious.
Retirement stress is quieter. A low hum of “Am I doing this right?” or “Why do I feel unsettled when life is easier?”
Not all stress is bad.
Some……
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
Retirement was supposed to remove stress.
But for many people, it simply changes it.
Work stress is loud and obvious.
Retirement stress is quieter. A low hum of “Am I doing this right?” or “Why do ...
substack.com
January 20, 2026 at 8:29 AM
Retirement was supposed to remove stress.
But for many people, it simply changes it.
Work stress is loud and obvious.
Retirement stress is quieter. A low hum of “Am I doing this right?” or “Why do I feel unsettled when life is easier?”
Not all stress is bad.
Some……
substack.com/@retirementf...
But for many people, it simply changes it.
Work stress is loud and obvious.
Retirement stress is quieter. A low hum of “Am I doing this right?” or “Why do I feel unsettled when life is easier?”
Not all stress is bad.
Some……
substack.com/@retirementf...
Reposted by Retirement For Newbies
Many retirees worry about running out of money, then unknowingly move closer to it.
10 Financial Mistakes New Retirees Make.
substack.com/@retirementf...
10 Financial Mistakes New Retirees Make.
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
Many retirees worry about running out of money, then unknowingly move closer to it.
10 Financial Mistakes New Retirees Make.
https://open.substack.com/pub/retirementfornewbies/p/10-financial-mistake...
substack.com
January 18, 2026 at 12:14 PM
Many retirees worry about running out of money, then unknowingly move closer to it.
10 Financial Mistakes New Retirees Make.
substack.com/@retirementf...
10 Financial Mistakes New Retirees Make.
substack.com/@retirementf...
Reposted by Retirement For Newbies
Reposted by Retirement For Newbies
Want to enjoy more reading but can’t find the time?
Start small:
Cue: Place a book on your bedside table.
Craving: Imagine a quiet, enjoyable escape into a story or new ideas.
Response: Read just one page.
Reward: Feel the satisfaction of learning or………..
substack.com/@retirementf...
Start small:
Cue: Place a book on your bedside table.
Craving: Imagine a quiet, enjoyable escape into a story or new ideas.
Response: Read just one page.
Reward: Feel the satisfaction of learning or………..
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
Reading Habit
Want to enjoy more reading but can’t find the time? Start small:
Cue: Place a book on your bedside table.
Craving: Imagine a quiet, enjoyable escape into a story or new ideas.
Respon...
substack.com
January 18, 2026 at 9:25 AM
Want to enjoy more reading but can’t find the time?
Start small:
Cue: Place a book on your bedside table.
Craving: Imagine a quiet, enjoyable escape into a story or new ideas.
Response: Read just one page.
Reward: Feel the satisfaction of learning or………..
substack.com/@retirementf...
Start small:
Cue: Place a book on your bedside table.
Craving: Imagine a quiet, enjoyable escape into a story or new ideas.
Response: Read just one page.
Reward: Feel the satisfaction of learning or………..
substack.com/@retirementf...
Retirement doesn’t steal your purpose. It exposes how much of it was being carried by structure.
When that structure disappears, the brain still expects a starting line.
If you’re struggling to find purpose this may help.
substack.com/@retirementf...
When that structure disappears, the brain still expects a starting line.
If you’re struggling to find purpose this may help.
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
Retirement doesn’t steal your purpose. It exposes how much of it was being carried by structure.
When that structure disappears, the brain still expects a starting line.
If you’re struggling to find...
substack.com
January 19, 2026 at 11:21 AM
Retirement doesn’t steal your purpose. It exposes how much of it was being carried by structure.
When that structure disappears, the brain still expects a starting line.
If you’re struggling to find purpose this may help.
substack.com/@retirementf...
When that structure disappears, the brain still expects a starting line.
If you’re struggling to find purpose this may help.
substack.com/@retirementf...
The “busyness equals fulfilment” trap
Be careful not to fall into the busyness trap.
Filling your calendar with activities makes you feel productive, but it doesn’t guarantee meaning.
Distraction can look like engagement, until the noise dies down.
True fulfilment….
substack.com/@retirementf...
Be careful not to fall into the busyness trap.
Filling your calendar with activities makes you feel productive, but it doesn’t guarantee meaning.
Distraction can look like engagement, until the noise dies down.
True fulfilment….
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
The “busyness equals fulfilment” trap
Be careful not to fall into the busyness trap.
Filling your calendar with activities makes you feel productive, but it doesn’t guarantee meaning.
Distraction c...
substack.com
January 19, 2026 at 8:37 AM
The “busyness equals fulfilment” trap
Be careful not to fall into the busyness trap.
Filling your calendar with activities makes you feel productive, but it doesn’t guarantee meaning.
Distraction can look like engagement, until the noise dies down.
True fulfilment….
substack.com/@retirementf...
Be careful not to fall into the busyness trap.
Filling your calendar with activities makes you feel productive, but it doesn’t guarantee meaning.
Distraction can look like engagement, until the noise dies down.
True fulfilment….
substack.com/@retirementf...
Reposted by Retirement For Newbies
The silent trap most retirees don’t see coming.
It’s your world starting to shrink.
If your weeks start blending into sameness, this is worth a read.
substack.com/@retirementf...
It’s your world starting to shrink.
If your weeks start blending into sameness, this is worth a read.
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
The silent trap most retirees don’t see coming.
It’s your world starting to shrink.
If your weeks start blending into sameness, this is worth a read.
https://open.substack.com/pub/retirementfornewb...
substack.com
January 17, 2026 at 12:09 PM
The silent trap most retirees don’t see coming.
It’s your world starting to shrink.
If your weeks start blending into sameness, this is worth a read.
substack.com/@retirementf...
It’s your world starting to shrink.
If your weeks start blending into sameness, this is worth a read.
substack.com/@retirementf...
Reposted by Retirement For Newbies
Retirement leaves us living among reminders of who we used to be.
The office that no longer hosts work.
The tools for skills we don’t use now.
The clothes that belonged to a different rhythm of life.
We don’t need ruthless minimalism.
We need permission to…….
substack.com/@retirementf...
The office that no longer hosts work.
The tools for skills we don’t use now.
The clothes that belonged to a different rhythm of life.
We don’t need ruthless minimalism.
We need permission to…….
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
Retirement leaves us living among reminders of who we used to be.
The office that no longer hosts work.
The tools for skills we don’t use now.
The clothes that belonged to a different rhythm of lif...
substack.com
January 17, 2026 at 8:41 AM
Retirement leaves us living among reminders of who we used to be.
The office that no longer hosts work.
The tools for skills we don’t use now.
The clothes that belonged to a different rhythm of life.
We don’t need ruthless minimalism.
We need permission to…….
substack.com/@retirementf...
The office that no longer hosts work.
The tools for skills we don’t use now.
The clothes that belonged to a different rhythm of life.
We don’t need ruthless minimalism.
We need permission to…….
substack.com/@retirementf...
Many retirees worry about running out of money, then unknowingly move closer to it.
10 Financial Mistakes New Retirees Make.
substack.com/@retirementf...
10 Financial Mistakes New Retirees Make.
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
Many retirees worry about running out of money, then unknowingly move closer to it.
10 Financial Mistakes New Retirees Make.
https://open.substack.com/pub/retirementfornewbies/p/10-financial-mistake...
substack.com
January 18, 2026 at 12:14 PM
Many retirees worry about running out of money, then unknowingly move closer to it.
10 Financial Mistakes New Retirees Make.
substack.com/@retirementf...
10 Financial Mistakes New Retirees Make.
substack.com/@retirementf...
Want to enjoy more reading but can’t find the time?
Start small:
Cue: Place a book on your bedside table.
Craving: Imagine a quiet, enjoyable escape into a story or new ideas.
Response: Read just one page.
Reward: Feel the satisfaction of learning or………..
substack.com/@retirementf...
Start small:
Cue: Place a book on your bedside table.
Craving: Imagine a quiet, enjoyable escape into a story or new ideas.
Response: Read just one page.
Reward: Feel the satisfaction of learning or………..
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
Reading Habit
Want to enjoy more reading but can’t find the time? Start small:
Cue: Place a book on your bedside table.
Craving: Imagine a quiet, enjoyable escape into a story or new ideas.
Respon...
substack.com
January 18, 2026 at 9:25 AM
Want to enjoy more reading but can’t find the time?
Start small:
Cue: Place a book on your bedside table.
Craving: Imagine a quiet, enjoyable escape into a story or new ideas.
Response: Read just one page.
Reward: Feel the satisfaction of learning or………..
substack.com/@retirementf...
Start small:
Cue: Place a book on your bedside table.
Craving: Imagine a quiet, enjoyable escape into a story or new ideas.
Response: Read just one page.
Reward: Feel the satisfaction of learning or………..
substack.com/@retirementf...
Reposted by Retirement For Newbies
Are you creating a life of Healthy Stress or Bad Stress?
So why do so many feel restless or anxious?
This article explains why.
substack.com/@retirementf...
So why do so many feel restless or anxious?
This article explains why.
substack.com/@retirementf...
January 10, 2026 at 7:26 PM
Are you creating a life of Healthy Stress or Bad Stress?
So why do so many feel restless or anxious?
This article explains why.
substack.com/@retirementf...
So why do so many feel restless or anxious?
This article explains why.
substack.com/@retirementf...
Reposted by Retirement For Newbies
Healthy stress usually ends with a sentence like:
“That was worth it.”
Bad stress ends with:
“I’m exhausted and I don’t know why.”
That difference matters.
If an activity drains you and gives nothing back, it may be time to let it go.
If it drains you but……
substack.com/@retirementf...
“That was worth it.”
Bad stress ends with:
“I’m exhausted and I don’t know why.”
That difference matters.
If an activity drains you and gives nothing back, it may be time to let it go.
If it drains you but……
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
Healthy stress usually ends with a sentence like:
“That was worth it.”
Bad stress ends with:
“I’m exhausted and I don’t know why.”
That difference matters.
If an activity drains you and gives not...
substack.com
January 12, 2026 at 7:33 AM
Healthy stress usually ends with a sentence like:
“That was worth it.”
Bad stress ends with:
“I’m exhausted and I don’t know why.”
That difference matters.
If an activity drains you and gives nothing back, it may be time to let it go.
If it drains you but……
substack.com/@retirementf...
“That was worth it.”
Bad stress ends with:
“I’m exhausted and I don’t know why.”
That difference matters.
If an activity drains you and gives nothing back, it may be time to let it go.
If it drains you but……
substack.com/@retirementf...
Reposted by Retirement For Newbies
We’ve been sold a strange idea of retirement.
That success is cruises, motor homes, or Instagram sunsets.
Want a retirement without regret?
There’s only one measure that matters.
substack.com/@retirementf...
That success is cruises, motor homes, or Instagram sunsets.
Want a retirement without regret?
There’s only one measure that matters.
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
We’ve been sold a strange idea of retirement.
That success is cruises, motor homes, or Instagram sunsets.
Want a retirement without regret? There’s only one measure that matters.
https://open.subst...
substack.com
January 12, 2026 at 11:52 AM
We’ve been sold a strange idea of retirement.
That success is cruises, motor homes, or Instagram sunsets.
Want a retirement without regret?
There’s only one measure that matters.
substack.com/@retirementf...
That success is cruises, motor homes, or Instagram sunsets.
Want a retirement without regret?
There’s only one measure that matters.
substack.com/@retirementf...
Reposted by Retirement For Newbies
Retirement can feel like life suddenly comes to a stop.
One person retires and feels liberated.
Another person retires and feels lost.
Same freedom, same choices, but a completely different story.
substack.com/@retirementf...
One person retires and feels liberated.
Another person retires and feels lost.
Same freedom, same choices, but a completely different story.
substack.com/@retirementf...
January 16, 2026 at 12:14 PM
Retirement can feel like life suddenly comes to a stop.
One person retires and feels liberated.
Another person retires and feels lost.
Same freedom, same choices, but a completely different story.
substack.com/@retirementf...
One person retires and feels liberated.
Another person retires and feels lost.
Same freedom, same choices, but a completely different story.
substack.com/@retirementf...
Reposted by Retirement For Newbies
I still like to listen to the radio instead of playlists.
Because playlists only give you the favourites.
The radio gives you discoveries.
Retirement isn’t about replaying the hits.
It’s about hearing something new and seeing what it stirs.
Leave the dial on for……
substack.com/@retirementf...
Because playlists only give you the favourites.
The radio gives you discoveries.
Retirement isn’t about replaying the hits.
It’s about hearing something new and seeing what it stirs.
Leave the dial on for……
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
I still like to listen to the radio instead of playlists.
Because playlists only give you the favourites.
The radio gives you discoveries.
Retirement isn’t about replaying the hits.
It’s about hea...
substack.com
January 16, 2026 at 8:14 AM
I still like to listen to the radio instead of playlists.
Because playlists only give you the favourites.
The radio gives you discoveries.
Retirement isn’t about replaying the hits.
It’s about hearing something new and seeing what it stirs.
Leave the dial on for……
substack.com/@retirementf...
Because playlists only give you the favourites.
The radio gives you discoveries.
Retirement isn’t about replaying the hits.
It’s about hearing something new and seeing what it stirs.
Leave the dial on for……
substack.com/@retirementf...
The silent trap most retirees don’t see coming.
It’s your world starting to shrink.
If your weeks start blending into sameness, this is worth a read.
substack.com/@retirementf...
It’s your world starting to shrink.
If your weeks start blending into sameness, this is worth a read.
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
The silent trap most retirees don’t see coming.
It’s your world starting to shrink.
If your weeks start blending into sameness, this is worth a read.
https://open.substack.com/pub/retirementfornewb...
substack.com
January 17, 2026 at 12:09 PM
The silent trap most retirees don’t see coming.
It’s your world starting to shrink.
If your weeks start blending into sameness, this is worth a read.
substack.com/@retirementf...
It’s your world starting to shrink.
If your weeks start blending into sameness, this is worth a read.
substack.com/@retirementf...
Retirement leaves us living among reminders of who we used to be.
The office that no longer hosts work.
The tools for skills we don’t use now.
The clothes that belonged to a different rhythm of life.
We don’t need ruthless minimalism.
We need permission to…….
substack.com/@retirementf...
The office that no longer hosts work.
The tools for skills we don’t use now.
The clothes that belonged to a different rhythm of life.
We don’t need ruthless minimalism.
We need permission to…….
substack.com/@retirementf...
Retirement For Newbies (@retirementfornewbies)
Retirement leaves us living among reminders of who we used to be.
The office that no longer hosts work.
The tools for skills we don’t use now.
The clothes that belonged to a different rhythm of lif...
substack.com
January 17, 2026 at 8:41 AM
Retirement leaves us living among reminders of who we used to be.
The office that no longer hosts work.
The tools for skills we don’t use now.
The clothes that belonged to a different rhythm of life.
We don’t need ruthless minimalism.
We need permission to…….
substack.com/@retirementf...
The office that no longer hosts work.
The tools for skills we don’t use now.
The clothes that belonged to a different rhythm of life.
We don’t need ruthless minimalism.
We need permission to…….
substack.com/@retirementf...