RETIREMENT LEISURE CALCULATOR

Most retirement calculators focus on financial concerns, underestimating the importance of leisure in planning for retirement. Yet planning for leisure is as essential to a successful retirement as planning for a secure financial future. Retirement satisfaction depends on how you spend your time, not your money.

During the working years leisure is a rare commodity. Overtime, second jobs, family duties and household tasks leave little time to ourselves. Much of our free time is eaten up sitting in traffic and weekends are jammed with chores. Many employees even forgo the two week vacation, fearing a pile up of work on their return.

Technology, rather than freeing up time, encroaches more and more on our breathing space. We answer calls while walking down the street and prop up our lap top while flying to our next appointment. No wonder it’s hard to believe leisure could ever be a concern.

But leisure becomes a very different thing when it is the only time you have. After an initial honeymoon, the reality of retirement leisure becomes the real challenge of retirement. Those who fail to adjust to unstructured, unlimited time become bored, depressed and aimless. But those who take advantage of the opportunities leisure offers, make retirement the best time of their lives.

Don’t miscalculate the importance of leisure in planning for retirement.

Use this

RETIREMENT LEISURE CALCULATOR

to learn how much free time you need to plan for.

Estimate how much time you spend on the following obligations:

Workday______ Weekend_____ Retirement____

Paid Work

Commuting

Sleeping

Eating

Self Care

Housework

Other Obligations

Total:

Subtract from 24 to determine how much leisure you have on an average Workday______Weekend_____ and in Retirement_______