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When we talk about planning for retirement, we often talk about the numbers; from your super balance and your budget to how long your savings might last. But there’s another resource that’s just as important to plan for: your time.

Retirement can free up thousands of hours in your life. that were once filled with meetings, commutes, and work deadlines. It’s something many of us look forward to, but when those structures disappear the shift can feel disorienting. But with a bit of planning for your personal life, those hours can become some of the most rewarding of your life.

What else are you stopping?

Yes, you stop working when you retire (hooray!) But for many people, work brings more than a pay. It brings a daily routine, a sense of purpose, social connection and sometimes even a fitness habit (like cycling to work or a gym class during lunch breaks). It might even shape your identity: “I’m a teacher.” “I work in finance.”  

So when work stops, it’s worth asking yourself “what do I need to carry forward to stay happy and healthy, and what do I want to leave behind?”  

That transition isn’t always easy and there’s no one-size-fits-all answer. What matters is finding new ways to build meaning into your days. For some, that might mean replacing the structure of a workday with a new daily rhythm. For others, it might mean exploring different ways to connect, contribute or simply feel grounded in who you are outside of your job title.

Everyone needs connection, but how you get it is personal

We know that staying active and social is key to ageing well. But not everyone recharges the same way. Extroverts might seek out group activities, community volunteering, or travel. Introverts might prefer a quieter pace, meaningful one-on-one time, or creative hobbies. The trick is to understand what fills your cup — and plan for more of that.

Research suggests that introverts make up around 30–50% of the population1, so if your idea of a great afternoon involves a book and a cup of tea instead of a community choir, you’re far from alone. The important thing is not how you connect, but that you do it in ways that feel genuine and good for you.

Time isn’t limitless — even in retirement

Many people also take on caring roles in retirement, whether it’s helping with grandchildren or supporting elderly parents. While this can be deeply fulfilling, it can also mean that your own needs quietly slip down the list. That’s why it’s so important to protect time for the things that bring you joy. Whether that’s staying fit, learning something new or simply having a moment to yourself.

A different kind of planning

Just like your financial plan, your time plan doesn’t need to be rigid, it just needs to be intentional. Think about what makes you feel purposeful, energised, connected. Think about what routines support your physical and mental wellbeing. Try experimenting with a few new hobbies or routines before you retire. Start small, and see where you go from there.

And consider building in daily practices that can enhance your overall wellbeing. Things like walking, journaling, practicing gratitude or mindfulness can make a big difference. Studies have shown that people who regularly practice gratitude report greater happiness and better health: something we could all use a little more of in retirement.

Bottom line? A comfortable retirement isn’t just about having enough super. It’s about knowing how you want to spend your days and designing a life that gives you meaning, connection, and joy. Because time, just like money, is too valuable to spend without a plan. 

5 simple ways to make your days count

1. Reflect on your values and strengths

Begin by identifying the aspects of your work life that brought you the most satisfaction. Was it mentoring others, problem-solving or contributing to a team? Understanding these elements can guide you in finding new activities that fulfil similar roles. For instance, if mentoring was fulfilling, consider volunteering with youth programs or offering guidance in your community.  

2. Explore new interests

Retirement offers the opportunity to delve into interests that may have been sidelined during your working years. Engaging in new hobbies not only fills your time but also helps in building a new identity beyond your previous professional role. Whether it's learning a musical instrument, joining a book club or taking up gardening, these activities can provide a sense of purpose and enjoyment.

3. Establish a new routine

Creating a structured daily routine can provide a sense of purpose and offer opportunities to practice good habits. Think about incorporating activities that promote physical health, think morning walks or yoga, as well as mental stimulation, like reading or puzzles. And try to schedule regular social interactions: a weekly coffee with friends might make a big difference.  

4. Engage with your community

Connecting with others who are experiencing similar transitions can be incredibly supportive. Consider joining local community groups, clubs or online forums focused on retirement and ageing. Sharing experiences and coping strategies can alleviate feelings of isolation and provide new perspectives. 

5. Consider other forms of work

If you find that you miss aspects of your professional life, part-time work or volunteering can be fulfilling. These roles can offer structure, social interaction, and a renewed sense of purpose without the full commitment of a traditional job. For example, if you were in education, tutoring or mentoring can be a rewarding way to stay connected to your field.

1 Susan Cain, Quiet: The Power of Introverts in a World That Can’t Stop Talking

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Where to next?

What does a comfortable retirement look like? > 

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Issued by Aware Financial Services Australia Limited (ABN 86 003 742 756, AFSL 238430); wholly owned by' Aware Super (ABN 53 226 460 365).

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