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I'm far less successful than you but on the same "slow decline" boat.

I still don't know what to do but I sent questions here and on reddit. What I figured out is that I need to find a different set of values that grow, not decline when I grow older, pass 40. I have yet to find anything that fits but hopefully you can find something soon.

Good luck!

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I've been giving the advice for years that actually planning for what you'll do past retirement is as important than having all the money you'll need. I've seen my parents and in-laws struggle with mental health issues and boredom more than they have ran out of money. I'm refusing to do that, I found 3 things that I really love and working on turning those into third careers go keep myself busy. The 3 things are teaching yoga, personal training for people over 50, and becoming a divemaster.

Absolutely. I'm reaching 40 this year and people around me always get surprised when I told them I'm making plans for retirement. For most of them planning for retirement is just financial, and many of them do have a solid plan.

But I'm mostly worried about the mental/spiritual part.

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