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Here's how to stop wasting your energy on things that don't enhance your new chapter and focus on the things that do.
By
David Conti, CPRC
published
1 January 2026
in Features
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Happy New Year! Retirement is a time to reinvent yourself and embrace newfound freedoms. But just as important as deciding what to do is learning what not to do.
Letting go — of old habits, relationships and commitments that no longer serve you — is a powerful step toward building the life you want.
Think of it like decluttering your kitchen: You wouldn't keep a dull knife or mismatched frying pan lid if it only gets in the way. Or like a coach revamping the team's playbook — sometimes you need to drop the plays that no longer work to make room for winning strategies.
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Sign upHere's your eight-step 2026 Retirement "Non-Resolution" Checklist, filled with practical ways to stop wasting your energy on things that don't enhance your new chapter.
1. People: Think about who you want to be with, not who you feel obligated to be with
Stop spending time with energy-drainers. You know who they are: the complainers, the critics, the people who leave you feeling worse, not better. It's OK to step back.
Drop obligation-driven gatherings. Do you really need to attend that distant cousin's funeral or the annual dinner gathering with folks you met on vacation 25 years ago? Spend your time with those who matter most.
It's OK to say, "We're out of town that weekend, sorry."
About Adviser Intel
The author of this article is a participant in Kiplinger's Adviser Intel program, a curated network of trusted financial professionals who share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more. Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.
Let go of outdated social circles. People change and priorities shift over time. That's life. If a group no longer reflects your interests or values, give yourself permission to walk away.
2. Places: Oh, the places you really don't have to go
Avoid uninspiring destinations. Maybe it's that old restaurant everyone swears by, but you've never liked. Your time is better spent discovering a new favorite spot.
Reassess your travel list. Does your travel "wish list" reflect who you are today? Cross off places you feel lukewarm about and focus on destinations that spark excitement. Just because your cousin enjoyed a thrilling pilgrimage to Spain doesn't mean it should be on your travel list.
Eliminate unnecessary errands. Why keep driving to a specialty store when you could shop online or find a better option closer to home? (You likely have Amazon Prime, so take advantage of its free shipping and convenience.)
3. Things: Let it go, let it go, let it go
Purge material clutter. If an item doesn't bring you joy or serve a purpose, it's time to donate or discard it. That old treadmill collecting dust or clothes you have not worn in five years? Bye-bye. Old clothes you can no longer fit into? Donate them to Goodwill or a local charity.
Upgrade outdated gadgets. Let go of that old printer or VCR that's causing more frustration than it's worth.
Rethink sentimental keepsakes. If it's packed in a box and hasn't been touched in years, ask yourself if it's truly meaningful to you. Really, how many nutcrackers do you need when the holiday season approaches and it's time to decorate?
4. Activities: You're hereby granted permission to do only what you really want to do
Quit doing what you don't like to do. Whether it's attending an uninspiring book club, spring cleaning, yardwork or tackling a complex DIY project, focus on what brings you fulfillment. Maybe it's time to outsource lawn care and other home maintenance chores.
Stop chasing unresponsive friends. If someone isn't making an effort to stay connected, it might be time to let them go. Friendship is a two-way street.
Reevaluate commitments. Take a fresh look at your volunteer commitments. Are you still on the board of an organization that no longer excites you? How closely do you feel aligned with the organization's core mission and other volunteers?
It's OK to step down if the fit isn't right. If you feel your contributions are not being valued, look for a new nonprofit.
5. Spending: Money can't buy you happiness, so why keep trying?
Avoid unnecessary purchases. Stop buying things you don't need just because they're on sale. Ask yourself: Does this add real value to my life?
Stop competitive spending. Sending elaborate holiday cards or extravagant gifts to distant acquaintances? Shift your resources to meaningful connections.
Rethink risky investments. If high-flying stocks like Tesla or Nvidia or crypto kept you on edge in the past, consider more stable, diversified strategies that align with your goals and work with a financial professional.
6. Leisure: Freshen up your fun and distance yourself from social media
Abandon uninspiring hobbies. If Wordle or Sudoku now feel tiresome, or that mystery novel doesn't grip you, move on to something you truly enjoy. Try learning a new language for free on Duolingo.
Limit social media scrolling. Reclaim your time by setting boundaries around screen use and engaging in real-world activities.
Pass on activities that don't help you grow. Whether it's playing mindless games like Donut County or Animal Crossing or sitting through repetitive Stoicism lectures on YouTube, focus on pursuits that challenge and excite you. Give yourself permission to try new things — and to possibly fail.
7. Fitness: Let's get physical, physical — but within reason and take time to recover
Stop forcing unenjoyable workouts. Find routines that you love and that suit your current abilities, whether it's yoga, qigong, pickleball or a brisk walk with friends.
Let go of comparisons. Your body isn't the same as it was at 25, and that's OK. Focus on what feels good now.
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Ditch harmful habits. Overexertion and ignoring rest days can do more harm than good. Listen to your body's needs. If you're entering 2026 with nagging back, knee or hip pain, it won't get better on its own. Make a plan for action to improve your flexibility, balance and overall health.
8. Spirituality: Get in touch with your inner self
Evolve your practices. It's OK to step away from rituals or beliefs that no longer resonate. Explore what feels meaningful now. Keep exploring who you are and why you were put on this earth.
Discover awe in nature. Spend less time indoors, more time outdoors and reconnect with the wonder and beauty of the natural world. Whether it's a sunrise hike or simply sitting in a garden, when you're in nature, it can provide a profound sense of spirituality.
Cultivate gratitude. Instead of complaining about things you can't change in the world, consider some positive ways you can incorporate gratitude into your daily life and enhance your spiritual well-being.
The power of letting go
Letting go isn't about giving up — it's about creating space for what truly matters. When you stop holding on to outdated people, places and habits, you free yourself to focus on what brings joy, meaning and purpose to this exciting new phase of life.
Start 2026 by clearing the clutter and embracing your best self. After all, retirement isn't the end of the game — it's your chance to rewrite the playbook.
Related Content
- I'm a Retirement Coach: Eight Surprising Signs You're Ready to Retire
- Donating Stock Instead of Cash Is the 2-for-1 Deal You'll Love at Tax Time
- Weatherproof Your Retirement: Strengthening Risk Capacity for Lasting Security
- Eight Habits for a Happy Retirement
- The 'Die With Zero' Rule of Retirement
This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.
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David Conti, CPRCSocial Links NavigationFounder and Retirement Coach, RetireMentorsDavid Conti, a New Hampshire-based financial writer, and Retirement Coach at RetireMentors, offers over 20 years of experience in retirement planning and financial communications. During his 17-year tenure at Fidelity Investments, he served as the personal finance and retirement editor for Fidelity Viewpoints and managed The Truth About Your Future newsletter, covering topics like crypto, longevity and personal finance. As the Founder of RetireMentors, David focuses on the nonfinancial aspects of retirement, guiding pre-retirees who have planned financially but seek purpose and structure in their post-career lives.
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