Misty Lynch

You can have enough money to retire and still not be ready.

Timing your retirement is about more than your account balance. Please consider your health, your energy, your partner, your parents, your job, and whether the choice will truly be all yours.

In 2026, retirement rarely happens on an ideal schedule.
- Your company may eliminate your role or offer an early retirement.
- Your health may change and require a slower pace or a whole different job.
- A child, parent, or sibling may need financial help that delays your plans.

Sure, numbers matter. They’re just not the only thing that matters.

Your timing depends on your actual life, not a 60-second video, but I am going to spend all month exploring retirement as the beginning of something and not just the end.

So, if that interests you, follow me here and let me know what questions you have for me in the comments.

People talk about retirement like it’s a switch you flip off when you’re done.

Transitions as big as this are rarely that simple.

Sometimes they’re out of your control.

Some people ease into retirement by keeping one or two clients, cutting back to part-time, or taking on work that still feels interesting.

Other people are ready to spend more time volunteering, helping family, traveling, or just having more of a life outside of work.

I’m talking in generalities here on the internet, it can’t be advice because your situation is specific to you, and we probably haven’t met yet. I’d just like you to know that retirement doesn’t have to be all or nothing.