Retirement Is About Experiences, Not Purchases

Retirement gives us something incredibly rare: time. Time to reconnect with what matters, explore new passions, and create moments that stay with us. But when it comes to how we use that time - and money - it’s easy to default to things we can buy.

Here’s another way to think about it: How can you build your retirement “wishlist” around experiences rather than purchases? This can help turn your retirement into a time of becoming more connected, more fulfilled, and more you.

It's About the Feeling, Not the Price Tag The moments that linger in your memory are usually the ones that made you feel something. For example: 

• Taking a cooking class with your spouse.

• Hosting a family game night that becomes a tradition.

• Teaching your grandchild how to fish, knit, or bake.

  
  

Use Milestones to Create Memories You don’t need a special occasion to create a memory, but tying experiences to milestones can make them even more powerful. Think about:

• Marking your retirement with a road trip to places you've always wanted to see.

• Celebrating an anniversary with a surprise weekend getaway.

• Taking a grandchild to a sporting event or concert on a big birthday.

  
  

Spend With Intention, Not Impulse Some of the most meaningful experiences come from thoughtful, rather than expensive, choices:

• Upgrade your Saturday mornings - sign up for a class, take up hiking, or learn to paint.

• Gift yourself a weekend retreat or a solo day exploring a nearby town.

• Dedicate yourself to learning a new craft like photography or piano.

  
  

Make Space for Reflection Experiences don’t always need to be big or bold. Sometimes, the richest moments happen in stillness. Take the scenic route. Start a journal. Share your stories with someone younger. Or just sit with a good cup of coffee and appreciate the journey so far. Leave room for presence. That’s where the magic often lives.

Create Traditions Experiences can grow. What starts as a one-time idea can turn into a cherished tradition. Maybe it’s a yearly family camping trip. Or a weekly lunch date with old friends. These aren’t just things you do, they’re things that connect you. 

Retirement isn’t about what you can buy - it’s about what you can live. This is your time. Time to dream. Time to explore. Time to invest in the moments that matter most. Because the most valuable things you can collect in retirement aren’t things at all - they’re the experiences that make you feel fully alive.

Bob Chitrathorn is a registered representative with, and Securities and Retirement Plan Consulting Program advisory services are offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. Other advisory services offered through Mariner Independent Advisor Network. Mariner Independent Advisor Network, Wealth Planning by Bob Chitrathorn, and Simplified Wealth Management are separate entities from LPL Financial.

This material was prepared for Bob Chitrathorn’s use.