
For many people approaching or past retirement age, the fear isn’t really about losing a paycheck or a title. It’s about what happens when the busyness stops. When there’s no morning alarm, no meetings to attend, no deadlines to meet—what fills that space?
For some of us, work has been more than a job. It’s been a shield. A way to stay busy enough that we don’t have to think about certain things. Old wounds from childhood. Difficult relationships we never fully processed. Regrets we’ve been too occupied to examine.
As long as we’re busy, those things stay in the background. Retirement threatens to bring them front and center.
I understand this from my own life. My best days are when I’m engaged—cooking, writing, being outside. The worst days are when I have too much unstructured time, because that’s when my mind drifts to the stuff I’d rather keep in the trash bin of life.
If you’ve spent decades using work as a way to stay present and productive, the thought of retiring can feel terrifying. It’s not just about losing your identity. It’s about losing the structure that’s kept you from drowning in memories and emotions you never learned how to process.
Here’s what I’ve learned: you can keep running, and maybe that’s genuinely what’s best for you right now. But the things we’re running from don’t disappear just because we’re ignoring them. They show up in other ways—in our relationships, our health, our moments of quiet when the busyness finally cracks.
And at some point, we get tired.
What if, instead of seeing retirement as a void where all your demons are waiting, you saw it as an opportunity to finally address what you’ve been carrying? Not alone with nothing but your thoughts, but with support—with activities and routines that give structure while also giving you space to heal.
This isn’t about pretending retirement will magically fix everything. It’s about acknowledging that continuing to work forever has a cost too. And maybe facing what scares you could be less painful than spending the rest of your life running from it.
If you’re financially ready to retire but can’t quite bring yourself to do it:
The fear is valid. Major life transitions are genuinely difficult, especially when you suspect there are deeper reasons for your hesitation.
You don’t have to jump off a cliff. Consider a gradual transition—part-time work, consulting, volunteering. Keep some structure while you build new routines.
Start building now. Don’t wait until your last day of work to figure out what comes next. Join a group, start a hobby.
Think about what you’re creating, not what you’re losing. What do you actually want your next chapter to look like?
Healing is possible. Whatever you’re carrying from your past, you don’t have to carry it alone or forever.
I’m writing this as someone still figuring it out. I know what it’s like to be afraid of too much time to think. I know what it’s like to suspect that busyness is the only thing keeping you functional.
But I also know that we deserve more than just surviving until we’re too tired to run anymore.
If you’re holding onto a job you don’t love because you’re afraid of what comes after, I see you. Your fear makes sense. And you’re not alone in feeling it.
The question isn’t whether you should be afraid. The question is: what do you want to do with that fear? Keep running, or finally turn around and face it?