Retirement Wishes

Imagine a greeting card has been passed around your office, and is now sitting in front of you. You need to offer some witty retirement wishes for a coworker but you are at a loss – what do you say?

The best advice is that we should be honest and wish them what we want for ourselves. Sorta like the Golden Rule.

retirement wishes

Let’s do a quick inventory of happy retirement wishes we would want for ourselves:


Financial Freedom 

Retirement should be voluntary, meaning we have worked only as long as needed to live the rest of our life without dependency on new income. This can be accomplished by saving up a lump sum of cash, building income streams (passive or not), or removing all our fiscal pressures.

Financial freedom means we are ready to live the life we want without a paycheck. No more bosses, no more coworkers, no more alarm clocks.

This is the most important part of retirement. Without it, we may be compelled to return to work at some point or become obsessed with living on a fixed income, so much that we can’t even enjoy our retirement.

That makes financial freedom a necessary part of any list of retirement wishes.

Good Health

I hate hearing about people who die of old age on the job. Certainly some of them died doing what they love, but so many people have to work longer than they ever imagined.

That’s why I urge people to treat work as a means to retirement – the goal of work should be retirement. If you love your career and don’t consider it work, you can feel free to disregard this. But if you are like me and are borderline unfit to work for authority figures, it is probably good for your health (physical and mental) to retire as soon as possible.

I think the main reason you should retire as soon as possible is your health. Who wants to work for 40 years, only to find out you are so unhealthy that you can’t travel, or worse yet, that you have six months to live?

Good health is key to any set of retirement wishes.


It’s no secret that money destroys families every day. Not precisely money, but the love of money, or the mismanagement of money. That’s why we should pursue financial peace.

When we are debt free and don’t have creditors to pay, things are a lot easier. We can focus on love, togetherness, and broad social goals like charity. We can take more active roles in the lives of our family members like our kids and grandkids. We are free to step back and make sure our family continues on together.


The Best Retirement Wishes

So based on what we want for ourselves in retirement: financial freedom, good health, and family, it is safe to say that we can now construct our perfect retirement wishes.

I suggest this:


retirement wishes

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About John Miro

Writer. Blogger. Helper. Regular posts about debt freedom, intentional living, and personal finance, with some travel mixed in.
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13 Responses to Retirement Wishes

  1. Justin @ The Family Finances says:

    Live this post. I actually had a co-worker retire last year at age 70 only to pass away early this year. But he had to keep working since his 401k took such a big hit during the market downturn a couple years ago.
    Justin @ The Family Finances recently posted..Financial Progress Takes TimeMy Profile

  2. Daisy says:

    Awe, that’s so sweet! I love that saying!
    Daisy recently posted..Big Announcement!My Profile

  3. Modest Money says:

    I definitely agree with this view of retirement. I’m not one who could be working for an authority figure for the rest of my life. I thrive on freedom. I admit that I hadn’t really thought about retirement much at all until I got into blogging, but it’s really opening up my eyes to how I should be planning my future.
    Modest Money recently posted..Late May 2012 Blog UpdateMy Profile

  4. I’d say that’s something we should strive for every day of our lives! I just got though writing about not putting everything in life off until retirement, but I really could have used the last line of the card for my post!
    Eric J. Nisall – DollarVersity recently posted..Stop Being So Obsessed With Saving Every PennyMy Profile

  5. I read an interesting article in Money magazine the other day about people working longer. It went into how many people expect to work in retirement and looked at the % that actually did. It’s pretty clear that it’s difficult for people to work in their late 60s or 70s. It doesn’t make sense for the employer and it’s going to be a rude awakening for people that has that as their gameplan.

    Save, save, save!
    Jason @ WorkSaveLive recently posted..Things to Consider With Your Relationship and MoneyMy Profile

  6. I usually try to fabricate I mean write something ambiguous that’s going to cause a buzz among all the people who read everyone else’s message before writing their own. Something like “Best wishes, thanks for all your help, and boy were you right about this place!” or “Best wishes, and I appreciate your compassion when I really needed it!”
    Kurt @ Money Counselor recently posted..3 Diamonds and a Dog #6My Profile

  7. “It’s no secret that money destroys families every day. Not precisely money, but the love of money, or the mismanagement of money. That’s why we should pursue financial peace.”

    Couldn’t have said it better myself. I’ve seen debt (financial mismanagement) tear families apart. It’s very sad.

    My goal to financial freedom is to also one day not have my work life dictated by an alarm, boss, or coworker. I’ll still be working but it’ll be more of a hobby.
    John | recently posted..How to Break-Up With Your Girlfriend-The Right WayMy Profile

  8. I say being honest with what you say is the best idea. Its not all about the money of the person who will retire but its your love they also need. Remember, save the best for last. 🙂
    deanne sotero recently posted.. External Hemorrhoids TreatmentMy Profile

  9. Great Post. I’ve always been a forward thinker and retirement has been something I want to enjoy with the Mrs. The hard part is hoping we are still around to enjoy the sacrifices we make today for tomorrow. You hear of people who “live for today” that’s not us but we do like to balance life and enjoy it just in case we do kick the bucket early. Retirement should be a time to relax and listen to the birds chirp and do what you love but at our own pace. Thanks for the reminder about life present and future and it’s importance to us today and tomorrow. Cheers Mr.CBB

  10. I like it! Although, taken from a different perspective, you should never strive to be dependent on no one beause we all depend on eachother! But I think you meant no dependence on anyone financially.
    TB at BlueCollarWorkman recently posted..Getting StiffedMy Profile

  11. Jefferson says:

    I don’t spend enough time thinking/planning for retirement.. It seems like the short term goals always take the front seat..

    That said, I always take the free match on my 401k, which is at least as start. I certainly do want to be financially secure when it is time for my card and cake.
    Jefferson recently posted..Spring Cleaning Makes Me Feel RichMy Profile

  12. You know what would make retirement SO much easier? An accurate lifespan calculator! I know it might make it tough if you knew “well, I’m going to die sometime in the next 2 years,” but it would make it easier planning financially. Why work to 70 if you’ll be dead at 72? I’d want to know so I could retire at 55!
    Elizabeth @ Broke Professionals recently posted..How to Avoid Common Investment MistakesMy Profile

  13. I must say that sometimes late retirement (after 70+) can be useful for people. And here is my thought why:

    – keep moving
    – brain works better
    – physical training
    – social life

    All these factors are signs of long lasting life.
    Alexander Collins recently posted..What Does the Future Hold for the US Dollar?My Profile

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