Creating a retirement bucket list to enrich your golden years

Allworth financial advisor Renee Nenninger explores how creating a personalized retirement bucket list can bring joy, purpose, and fulfillment to your golden years.

 

Retirement isn’t just about stepping away from work—it’s about stepping into a life that’s filled with purpose, joy, and experiences that truly matter to you. For many, this is the first time in decades they’ve had the freedom to focus entirely on what brings them happiness. But with all that possibility can come a question: What do you really want to do with this next chapter?

That’s where a retirement bucket list comes in. Think of it as a guide to help you dream big, prioritize what’s important, and make the most of your golden years. Whether you’re already retired or just starting to think about it, creating a bucket list can inspire you to embrace life in a whole new way.

1. Dream Big, Then Get Personal

Start with the fun part: brainstorming. Let yourself dream big—this is your chance to think about everything you’ve ever wanted to do. Maybe it’s traveling to Italy to explore your family’s roots, hiking in a national park, or finally learning how to play the piano.

Once you’ve got your big dreams down, take a moment to think about the smaller, personal things that bring you joy. This could be as simple as spending more time with your grandkids, hosting family dinners, or planting a garden. Your bucket list doesn’t have to be all grand adventures; it’s about what makes your heart feel full.

2. Focus on Experiences, Not Just Destinations

It’s easy to think of a bucket list as a series of destinations, but some of the most meaningful items aren’t tied to geography. Experiences like mentoring someone, trying a new hobby, or volunteering for a cause you care about can bring just as much joy as crossing a city or country off your travel map.

For example, one of my clients added “write a family history” to her bucket list. She spent time documenting her family’s stories, creating a priceless legacy for her children and grandchildren. Another client decided to tackle her lifelong fear of public speaking by joining a local Toastmasters group.

These kinds of experiences are about personal growth, connection, and leaving your mark—not just seeing the sights.

3. Prioritize What Matters Most

A long bucket list is exciting, but it can also feel overwhelming. The key is to focus on what truly matters to you and prioritize those items. What will bring you the most joy? What have you been putting off for years?

If you’re feeling stuck, try asking yourself these questions:

• If I only had one year to live, what would I regret not doing?
• What experiences have I always dreamed about but never made time for?
• What would make me feel proud and fulfilled looking back on my life?

These questions can help you hone in on the things that really matter and ensure your bucket list reflects your most important goals and dreams.

4. Set a Budget and Make a Plan

A bucket list isn’t just about dreaming—it’s about doing. Once you’ve prioritized your list, it’s time to create a plan to make it happen. Some items might be simple and affordable, like taking a cooking class or exploring a local park. Others, like traveling abroad, might require a bit more planning and saving.

Work these goals into your retirement budget so they feel manageable and realistic. If you’re unsure how to balance big dreams with financial stability, this is a great time to talk to your financial advisor. Together, you can create a plan that makes room for adventure while keeping your long-term finances secure.

5. Embrace Flexibility and Stay Open to Surprises

Life is unpredictable, and sometimes the best bucket list moments come from things you didn’t plan. Be open to new opportunities that come your way and don’t be afraid to adjust your list as your interests and priorities evolve.

For example, you might discover a passion for photography while traveling, or decide to spend more time volunteering after a particularly meaningful experience. A retirement bucket list is a living document—it’s meant to grow and change with you.

6. Celebrate Every Accomplishment

Each time you cross something off your list, take a moment to celebrate. Reflect on the experience, share it with loved ones, and enjoy the sense of fulfillment that comes from pursuing your dreams.

Retirement is a journey, not a checklist, and every step you take toward enriching your life deserves recognition. These moments are what make your golden years truly golden.

Final Thoughts: Your Best Chapter Yet

Creating a retirement bucket list is about more than just planning—it’s about living with intention and making the most of every day. Whether your dreams are big or small, close to home or far away, your bucket list is a chance to fill this stage of life with purpose, joy, and connection.

If you’d like help aligning your bucket list goals with your financial plan, I’m here to support you every step of the way. Let’s work together to ensure your golden years are filled with the experiences you’ve always dreamed of.

What’s at the top of your retirement bucket list? I’d love to hear what inspires you!

Renee Nenninger

Financial Advisor

I became a financial advisor to help those around me feel at ease and at peace with their decisions. It’s important to me that clients know I’ve covered all the bases, so they feel completely unburdened in their financial life. I find it incredibly rewarding to see those anxieties and worries transform into understanding, calmness, and peace of mind.

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