I retired on my 50th birthday in 1994. Like others have mentioned, I began making lists of targets, goals, guidance and things I needed to do. I decided this was too specific, too prescriptive. I narrowed the list down--finally, I wanted to have only one word as a guide. A lot of thought went into this. Finally, I settled on only one word--I wrote it down on a little slip of paper in all caps and put it in my wallet.
Sounds a little trite, but I wrote down the word "COURAGE." It has served me well. It has been my guide to a lot of tough decisions I have made over the years. Should I take on that difficult and demanding project? Courage. Do I have that difficult talk with someone I care about? Courage. Should I make that heavy investment in time or maybe money? Courage. How do I face that terrible medical procedure? Courage.
Now, many times I have not been courageous--I try not to grieve about this so much. But I have a guide--I have a goal. Every now and then, I'll run across that little piece of creased and worn-out piece of paper in my wallet--I'll look at it, think a bit, and put it back. It has served me as well as any other list, quote or other piece of advice I've ever had.
Just my two cents worth.