A little under 11 years ago, I was laid off by the bank I worked at for 30 years. Before this happened, I was in total fear of what would happen next. Today, I think of this as a great blessing. Before being laid off, I was worried about what would happen if word of Marian got back to the bank. Afterwards, I felt free to explore this part of myself and grow as a person.
Being retired has given me the freedom to be my authentic self. I have traveled as Marian, and I have grown because I've done so. When my legal identity is not revealed, I am able to call myself Marian, and people accept me as such. I've found that people accept me more as Marian, in part, because I am more open as my authentic self. Yes, some people clock me as transgender. But I am usually treated with respect, as I live in a state which expects that people like me will be treated with respect.
At first, being retired meant that I had an excess of free time. But this only meant that the ways I use my time and energy would change. Now, I find that it takes me longer to get many things done, but I am much more relaxed in doing so. My time is no longer ruled by the clock and calendar, instead, it is managed by them. There will always be events that take place on fixed times and days (such as going to church services), but most tasks can be done at my convenience. If being employed is like classical music with fixed structures and tempos, then retirement is like jazz, where one has freedom to improvise around a known theme.
But this freedom isn't good for all people. My former therapist was an alcoholic in recovery who always seemed in control of his life. The structures he built in sobriety (exercise routines, AA meetings, and client appointments) weren't there in retirement. As soon as he left his practice in White Plains for retirement in Honolulu, his life fell apart. Within 5 years, his son was in danger of repeating his father's life, he had divorced his wife, and he finally passed away. It is no secret that a large number of men tend to die within 3 years of retirement - employment gave these men a structure needed to live as long as they did.
So what do I recommend for people, especially men, for whom retirement is in the near future? To be direct - social engagement in late middle age is hard for most men, and it is much harder for them to connect with others and befriend them. This is where women tend to have it much easier - their lives are built around the social glue that keeps society together. Who tends to take care of babies? Women. Who tends to take care of household responsibilities other than physical upkeep of property - Women. Who tends to dominate the nurturing jobs in society, such as Nurses and Teachers? Women. And to do this, they tend to build up networks that most men wish they could do. When a woman approaches another person (especially other women), sexuality is not part of the equation. Only when she deliberately sends out signals of interest does sex come in to play. Men tend to be much more isolated, as their connections are usually built around their careers and not about their families' connections with other families.
For us transgenders, we send out more awkward messages - especially when we first come out. What women learn over a lifetime of being female, we have to learn in a crash course in femininity. So, finding new friends is much harder for us than for cisgender people. I am lucky that I was laid off from the bank when I was 57, and had time to develop myself into a person ready for full retirement. Yes, making new friends is still awkward for me. Yet, at least, I have done so.....