10 Subtle Signs You Might Be Ready to Retire
Most people imagine that retirement arrives with a lightning-bolt revelation—some unmistakable moment when you just know. But as Bruce Horovitz notes in his Wall Street Journal article (Nov. 19, 2025), the reality is usually far more subtle. Rather than loud signals, we get quiet nudges—little shifts in mindset, energy, and priorities that point toward life’s next stage.
Below is a summary of Horovitz’s key insights.
You Arrive at Work Feeling… Nothing
Occasional job numbness happens. But if you feel emotionally flat several times a week, retirement coach David Conti says it may be a sign you’re ready for a major transition—not a failure, just a new chapter.New Tech Annoys You Instead of Excites You
When the idea of learning yet another software update makes you quietly mutter, “I’m done with this,” you may be drifting away from workplace engagement.Promotions No Longer Appeal
If the word “promotion” now sounds stressful instead of motivating—or if you’ve stopped being considered for them—it may signal that your ambitions have shifted.You’ve Got the “Sunday Scaries”… Every Week
If Sunday nights bring dread of Monday morning, retirement expert Kerry Hannon calls this “the universe sending a message.” That pit-in-your-stomach feeling matters.You Check Your 401(k) Constantly
Frequent peeks at your retirement accounts often mean your brain is shifting from building money to spending it. You’re mentally preparing for life after work.You Wish You Had More Time to Volunteer
If giving back pulls at you more than office life does, it’s a meaningful sign. As Hannon says, strong purpose outside of work can be a powerful cue that retirement will enrich your life.Your Peers Have All Moved On
When you start noticing you’re the oldest person in the room—or simply at a very different stage of life from colleagues—it can amplify feelings of disconnect.You Feel Left Out of Others’ Retirements
If your spouse and friends are retired and living the lifestyle you want, resentment or longing may bubble up. Trust those closest to you for honest input—they may already see that you’re ready.You Don’t Care for Your Boss
For many, the final push into retirement is a deteriorating relationship with a manager. This may even open the door to negotiating an early-retirement package.Your Body Is Whispering, “It’s Time”
If your knees ache or your hips complain as you walk the office halls, Conti suggests listening closely. Your body may be reminding you that travel, hobbies, and adventure aren’t guaranteed forever.
The Gentle Art of Recognizing What’s Next
Horovitz’s reporting makes one theme clear: retirement isn’t about giving up—it’s about moving toward something that better matches your values, energy, and priorities.
If these subtle signs resonate, it may be time to explore what a fulfilling next chapter could look like.
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Article adapted from “10 Subtle Signs That You Are Ready to Retire” by Bruce Horovitz (Wall Street Journal, Nov. 19, 2025).
This material was written in collaboration with artificial intelligence (ChatGPT) and derived from sources believed to be correct.
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