Retiring Solo at 62: My First Week of Freedom (What Really Happens)

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Video links mentioned:
1) News Diet:    • Doom Scrolling Is Ruining Retirement – Her...  
2) Social Security Special Rule:    • Social Security Early? Earn More with Spec...  

In this unscripted "Reflections and Real Talk" podcast, Judy shares her initial thoughts and priorities during her first week of retirement. She discusses the considerations around Social Security and her personal financial planning approach. This video offers insights into her retirement journey, providing a real-life perspective on the first year of retirement and planning for future retirement income.


Well… it finally happened. I retired. In today’s unscripted episode of Reflections and Real Talk, I’m sharing what my first week of retirement has actually been like — the good, the awkward, and the honest truth about this big life transition at 62.

Everyone asks:
• What are you doing all day?
• Are you bored?
• What’s on your bucket list?
• Did you claim Social Security?
• What about health insurance?
So today, I’m answering all of it.
I also share:
• How I’m handling health insurance through the ACA (Obamacare)
• What the subsidy cliff means in 2026
• Why I haven’t claimed Social Security yet
• The earnings limit special rule
• How I’m thinking about Medicare and IRMAA
And yes — I talk about my recent trip to Amsterdam, Copenhagen, and Stockholm and why public transportation made it so relaxing.
Retirement isn’t one big vacation. It’s a shift. A mindset change. A daily recalibration.
If you’re in your 50s or 60s — or thinking about retiring soon — this conversation is for you.
Let me know in the comments:
👉 What was YOUR first week of retirement like?
👉 What are you most worried about?
👉 What surprised you?
Thanks so much for being here. 💛
— Judy

#Retirement #RetiredAt62 #RetirementPlanning #SocialSecurity #ACA #Over60Lifestyle #LifeAfterWork #WomenInRetirement #MedicarePlanning #HealthyAging

Chapters:
00:00 Unscripted Retirement Reflections: What’s the Plan Now?
00:42 Priority #1: Rewiring Sleep After Early-Morning Work Life
01:51 Priority #2: Getting Back to the Gym (and Avoiding Injury)
03:57 Priority #3: More Time for Fun: Family, Friends, Movies & Exercise
04:50 Priority #4: Protecting Your Peace: Escaping the News Rabbit Hole
06:14 Priority #5: Decluttering Life: Email Scam
06:59 Priority #6: Eating Better & Food Prep
08:58 Priority #7: Slowing Down: Walking More, Patience, Gratitude
10:47 Priority #8: Travel Dreams
11:48 Healthcare, IRMAA
13:48 Social Security

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Legal Disclaimer: The "Reflections and Real Talk..." content is solely for informational and entertainment purposes. The discussions, opinions, and personal experiences expressed are not meant to serve as professional financial, therapeutic, medical, or legal advice. Listeners should seek advice from qualified professionals for guidance specific to their situation. The creators of "Reflections and Real Talk..." do not accept any liability for actions taken in reliance on the content of this podcast. Privacy is respected by changing all names.