As we enter this next chapter of life, the words of those who have traveled this road before can offer perspective—and sometimes, inspiration. Here are seven timeless quotes that offer guidance for navigating the emotional and philosophical journey of retirement, along with reflections we've gathered over years of conversations with those planning their futures.

These quotes are not promises or predictions—but thought-provoking reminders that retirement is more than a destination. It's a design process for a life of meaning, freedom, and personal fulfillment.

1. Betty Sullivan

"Retirement is not the end of the road. It is the beginning of the open highway."

For many, the transition into retirement can feel abrupt—like the brakes suddenly came on. Yet, some find that this new chapter brings unexpected freedom. One example: A former executive we spoke with began oil painting during her first year of retirement, discovering a creative outlet she had postponed for decades. Retirement gave her the space to explore what once felt out of reach.

2. John Barrymore

"A man is not old until regrets take the place of dreams."

The shift into retirement often brings time to reflect. For one retired teacher, finding new ways to engage his love for mentoring—like teaching his grandson chess—helped rekindle a sense of purpose. Many retirees find fulfillment not in leaving something behind, but in discovering new ways to share what they’ve always loved.

3. Andy Rooney

"The idea of retiring is to live longer, happier, and freer."

One couple, after selling their family business, made a conscious choice to prioritize experiences. Whether through travel or time with loved ones, they embraced retirement as a season of renewal, not retreat. The lesson? For many, happiness in retirement is found in the everyday joys that were once deferred.

4. Erma Bombeck

"When I stand before God at the end of my life, I would hope that I would not have a single bit of talent left, and could say, 'I used everything you gave me.'"

This quote reminds us that our talents don’t retire with us. One retiree we met transitioned from spreadsheets to sawdust, trading financial ledgers for fine woodworking. Whether teaching a skill to others or simply creating for the joy of it, retirement can be a space to use gifts in new, impactful ways.

5. Catherine Pulsifer

"Retirement is a blank sheet of paper. It is a chance to redesign your life into something new and different."

Many approach retirement with intention—like an artist staring at a blank canvas. Volunteering, learning new skills, and taking spontaneous leaps into the unfamiliar can help redefine what the next chapter looks like. For some, retirement is where their most creative years begin.

6. Benjamin Franklin

"Never retire from something; always retire to something."

Some retirees bring clarity to their transition by focusing on what they’re moving toward. Whether it's gardening, mentoring, or community service, having a purposeful “retire to” vision creates energy, connection, and impact beyond the workplace.

7. Hartman Jule

"The trouble with retirement is that you never get a day off."

This tongue-in-cheek quote captures the joyful busyness many retirees experience—not out of obligation, but choice. When your calendar is filled with book clubs, yoga classes, grandkids’ recitals, or volunteer work, each activity reflects personal values and freedom. It's a good kind of busy.

Your Time Is Now: Designing the Retirement You Want

Whether your years away or already well into retirement, the journey is yours to define. It’s a season for growth, exploration, and reimagining what a fulfilling life looks like—on your terms.

But one thing shouldn’t define your time: financial uncertainty. That’s why understanding your options—and working with a fiduciary who places your interests first—can make all the difference.

💡 Explore our Retirement Knowledge Center for insights, planning tools, and educational resources designed to empower your decisions.