What To Do in Retirement?

Complete Guide to Retirement Activities and Opportunities for Seniors 2025

Last updated: August 2025

If You Need Emergency Help

If you’re experiencing a financial, health, or safety emergency:

• Crisis support: Call 988 (Suicide & Crisis Lifeline) for immediate mental health support
• Emergency financial assistance: Contact 211 (dial 2-1-1) for local emergency aid programs
• Food emergency: Visit FoodPantries.org or call your local Area Agency on Aging
• Housing crisis: Contact HUD’s Housing Counseling Services at 1-800-569-4287
• Utility shutoff: Call LIHEAP (Low Income Home Energy Assistance Program) at 1-866-674-6327
• Veterans in crisis: Call the Veterans Crisis Line at 1-800-273-8255, press 1

Key Takeaways

• Over 3 million Americans retire each year, creating both opportunities and challenges for staying engaged and financially secure • 58% of seniors worry about outliving their money, making smart activity choices crucial for both enjoyment and budget management
• Volunteering can reduce depression by 40% while providing valuable skills and social connections • Senior National Park passes cost just $80 for lifetime access to over 2,000 federal recreation sites • Free learning opportunities are available through AARP, community colleges, and online platforms nationwide • Government assistance programs provide up to $3,000 monthly in combined benefits for qualifying seniors

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Understanding Retirement Today: The Reality Check

Retirement in 2025 looks different than it did for previous generations. 77% of older Americans rely on Social Security to get by, with 19% saying Social Security is their sole retirement plan. The financial pressure is real: 58% of seniors surveyed worry their finances won’t last through retirement.

This doesn’t mean retirement can’t be fulfilling – it means being smart about how you spend your time and money. The average retiree spends $11,077 every year on travel, but there are countless ways to stay active, engaged, and happy without breaking the bank.

Current Retirement Statistics

Source: Annuity.org, WFS.org 2025 retirement surveys

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Volunteer Opportunities: Give Back While Staying Active

Volunteering offers one of the most rewarding ways to spend retirement time. AmeriCorps Seniors volunteers experience decreased anxiety, depression, and loneliness. 84% of volunteers report stable or improving health after one year of service.

Major National Volunteer Programs

AmeriCorps Seniors (Ages 55+) AmeriCorps Seniors engages over 143,000 volunteers annually in three main programs:

• RSVP: Flexible volunteering from a few hours to 40 hours per week
• Foster Grandparent Program: Mentoring children in schools and community centers
• Senior Companion Program: Providing friendship and assistance to other seniors

Benefits include supplemental accident and liability insurance, training, and transportation assistance. Find opportunities at AmeriCorps.gov/serve/americorps-seniors.

AARP Volunteer Programs AARP offers structured volunteer opportunities including:

• Tax-Aide: Nearly 28,000 Tax-Aide volunteers helped secure almost $1.3 billion in total refunds for nearly 1.7 million people in the most recent tax season
• Driver Safety Programs: Teaching safe driving courses for older adults
• Experience Corps: Intergenerational tutoring program that trains older adult volunteers to help children become great readers before completing third grade
• Fraud Prevention: Educating seniors about scams and financial fraud

Apply at AARP.org/volunteer.

Local Volunteer Opportunities

Contact your local Area Agency on Aging to find volunteer opportunities in:

• Libraries and literacy programs
• Hospitals and healthcare facilities
• Food banks and meal delivery
• Environmental conservation projects
• Museums and cultural centers
• Animal shelters and rescue organizations

Warning: Be cautious of volunteer opportunities that ask for money upfront or seem too good to be true. Legitimate volunteer organizations provide training and support, not bills.

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Travel and Recreation: Seeing America on a Budget

Travel doesn’t have to drain your retirement savings. Smart seniors take advantage of discounts, off-season rates, and government programs designed for older adults.

National Park Senior Passes: Your Gateway to America

The America the Beautiful Senior Pass provides incredible value for nature lovers:

Requirements: Age 62+, U.S. citizen or permanent resident

The Senior Pass admits the passholder and passengers in a noncommercial vehicle at per-vehicle fee areas and passholder plus three adults, not to exceed four adults, where per-person fees are charged. Children under 16 are always admitted free.

Money-Saving Tip: Regular visitors to major parks like Yellowstone, which charges $35 per vehicle, recover the lifetime pass cost within three visits.

Purchase passes at:

• Any participating federal recreation site
• USGS Store online (includes $10 processing fee)
• National park visitor centers

Budget Travel Strategies

Off-Season Travel

• Visit popular destinations during shoulder seasons (spring/fall)
• Book accommodations 6-8 weeks in advance for better rates
• Consider Tuesday-Thursday travel for lower costs

Senior Discounts Many hotels, airlines, and attractions offer senior discounts (typically 10-15% off):

• Amtrak: 10% off most fares for 65+
• Southwest Airlines: Senior fares for 65+
• Many hotel chains: 10-15% senior rates

Group Travel Consider senior group tours which often include:

• Transportation
• Accommodations
• Meals
• Local guides
• Travel insurance

Free and Low-Cost Local Activities

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Learning and Personal Growth: It’s Never Too Late

Continuing education keeps your mind sharp and opens new interests. Many options are specifically designed for older adults and accommodate different learning styles and budgets.

Free Online Learning Opportunities

AARP Learning Platforms

• Learn.AARP.org: Free webinars, courses, and workshops
• Senior Planet from AARP: Live online classes in Finance, Wellness, Fitness, Computers and Technology, and more – just for seniors
• Topics include technology skills, financial planning, health and wellness

Community Resources

• Public library computer classes and digital literacy programs
• Community center workshops and seminars
• Faith-based organization educational programs

College and University Programs

Many states offer reduced or free tuition for seniors. Here are examples of state programs:

Check with your state’s higher education department for specific programs and requirements

Osher Lifelong Learning Institute (OLLI) OLLI programs operate at universities nationwide, offering:

• Non-credit courses designed for adults 50+
• Peer-led learning experiences
• Social opportunities and field trips
• Annual fees typically $50-$350

Skills Development for Employment

If you’re considering working in retirement, focus on in-demand skills:

• Technology: Basic computer skills, video calling, online banking
• Customer Service: Many retailers actively hire senior workers
• Consulting: Leverage your professional experience
• Seasonal Work: Holiday retail, tax preparation, tourism

AARP Foundation SCSEP provides job training and placement for low-income seniors 55+. Contact your local Area Agency on Aging for details.

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Health and Wellness: Staying Strong and Connected

Physical and mental health directly impact your ability to enjoy retirement activities. The good news: many health-promoting activities are free or low-cost.

Physical Activity Programs

Community-Based Programs

• Senior center fitness classes
• Walking groups and hiking clubs
• Swimming programs at community pools
• Tai Chi and yoga classes designed for seniors

AARP Virtual Fitness The AARP Virtual Community Center offers free online fitness classes including introductory yoga designed for older adults, low-impact movement sessions, and exercises to increase bone density.

Mall Walking Programs Many shopping malls open early for senior walking groups:

• Climate-controlled environment
• Marked distances for tracking
• Social interaction opportunities
• Often free with optional organized groups

Mental Health and Social Connection

Support Groups

• Grief counseling and bereavement support
• Chronic illness management groups
• Caregiver support groups
• Depression and anxiety support

Technology for Connection 80% of adults 50 and older use tech to stay connected to family and friends; COVID-19 prompted many to try this method. Basic technology skills help you:

• Video call with family
• Join online communities
• Access telehealth services
• Participate in virtual activities

Warning Signs: If you’re experiencing persistent sadness, loss of interest in activities, changes in sleep or appetite, or thoughts of self-harm, contact your healthcare provider or call 988 for immediate support.

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Creative Expression and Hobbies: Discovering New Passions

Retirement provides time to explore creative interests you may have postponed during working years. Creative activities provide mental stimulation, social connection, and personal satisfaction.

Arts and Crafts

Community Art Centers Many communities offer senior-focused art programs:

• Painting and drawing classes
• Pottery and ceramics
• Woodworking and furniture making
• Jewelry making and beading
• Quilting and textile arts

Benefits Beyond Fun Creative activities can:

• Improve cognitive function
• Reduce stress and anxiety
• Provide sense of accomplishment
• Create gifts for family and friends
• Generate modest income through sales

Music and Performance

Community Choirs and Bands Many areas have performance groups specifically for seniors:

• Community choirs (often no audition required)
• Senior bands and orchestras
• Bell choirs and hand chime groups
• Drum circles and percussion groups

Learning Instruments It’s never too late to learn music:

• Piano and keyboard lessons
• Ukulele (easier than guitar for many seniors)
• Harmonica and recorder
• Digital music creation

Writing and Storytelling

Memoir and Life Story Projects

• Local historical societies often seek personal stories
• Family history and genealogy research
• Blog writing about life experiences
• Poetry and creative writing groups

Community Publications

• Senior center newsletters
• Local newspaper columns
• Community magazine contributions
• Online platforms for senior writers

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Financial Management: Making Your Money Last

Understanding available resources and managing expenses becomes crucial when living on a fixed income. Many seniors don’t realize they qualify for assistance programs that could significantly improve their financial situation.

Government Assistance Programs for Seniors

Supplemental Security Income (SSI) The Supplemental Security Income program provides up to $943 monthly for qualifying individuals. Eligibility requirements:

• Age 65 or older, blind, or disabled
• Limited income and resources
• U.S. citizen or qualified alien

Medicare Extra Help Medicare’s Extra Help program cuts prescription drug costs under Part D coverage. Federal records show qualifying seniors receive up to $5,000 yearly in assistance.

2025 income limits:

• Individual: $23,475
• Married couple: $31,725

SNAP (Food Assistance) Seniors may qualify for food assistance with higher income limits than other adults:

• Simplified application process for 60+
• Medical expense deductions
• No work requirements

Utility and Housing Assistance

LIHEAP (Low Income Home Energy Assistance) Helps with heating and cooling costs:

• Direct bill payment assistance
• Energy crisis intervention
• Weatherization services

State Property Tax Relief Many states offer property tax reductions for seniors:

• Homestead exemptions
• Freeze programs for fixed incomes
• Circuit breaker programs

Reality Check: Many state grant programs for seniors are vanishing quietly, leaving retirees without expected aid. Always verify current program availability with local agencies.

Money Management Tips

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Technology and Digital Engagement: Staying Connected

Technology can enhance retirement life by providing access to entertainment, education, social connections, and essential services. Don’t let unfamiliarity prevent you from benefiting.

Essential Technology Skills

Basic Computer Skills

• Email communication
• Internet browsing and online shopping
• Video calling (Zoom, FaceTime, Skype)
• Online banking and bill paying
• Social media basics (Facebook, staying connected)

Smartphone Basics

• Making calls and sending texts
• Using apps for weather, news, maps
• Taking and sharing photos
• Emergency features and medical ID

Learning Technology

Free Training Resources

• Library computer classes (often one-on-one help available)
• Senior Planet technology courses
• Community college computer basics
• Tech-savvy family members and friends

Adaptive Technology For those with vision, hearing, or mobility challenges:

• Large-button phones and keyboards
• Voice-activated devices (Alexa, Google Home)
• Screen readers and magnification software
• Simplified smartphone interfaces

Scam Protection: Be aware that seniors are often targeted for technology scams. Never give personal information to unsolicited callers, and verify requests independently before providing sensitive data.

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Work and Entrepreneurship: Retirement Doesn’t Mean Stopping

More than half of workers (59%) plan to work in retirement. Working in retirement can provide income, social connection, and purpose.

Types of Retirement Work

Part-Time Employment Popular senior-friendly jobs include:

• Retail (especially seasonal work)
• Customer service (many remote options)
• Tutoring and educational support
• Healthcare support roles
• Transportation services (driving for seniors)

Consulting and Freelancing Leverage your professional experience:

• Business consulting in your field
• Project-based work for former employers
• Professional writing and editing
• Training and workshop facilitation

Entrepreneurship Starting a small business in retirement:

• Online sales (crafts, antiques, consulting)
• Service businesses (pet sitting, house sitting)
• Teaching skills (music, crafts, cooking)
• Seasonal businesses (tax preparation, landscaping)

Age Discrimination Realities

While illegal, age discrimination in hiring exists. Strategies to improve your chances:

• Update technology skills
• Consider businesses known for hiring seniors
• Network within your community
• Focus on part-time or seasonal positions
• Consider age-friendly employers like Home Depot, Walmart, and CVS

Benefits Considerations

Working in retirement can affect:

• Social Security benefits (if claiming before full retirement age)
• Medicare premiums
• Tax obligations
• Retirement account withdrawals

Consult with a financial advisor or use Social Security’s benefits calculator to understand impacts.

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Inclusive Resources for Diverse Senior Communities

Retirement planning and activities should address the unique needs of all seniors, including those from marginalized communities who may face additional challenges.

LGBTQ+ Seniors

According to SAGE, the National Resource Center on LGBTQ+ Aging, it is estimated that there are over 3 million LGBTQ seniors in the U.S., with that number doubling by 2030.

Resources and Support

• SAGE: National advocacy organization providing support services, LGBTAgingCenter.org
• Specialized senior housing: LGBTQ-affirming retirement communities in California, North Carolina, and Florida
• Healthcare advocacy: Finding LGBTQ-competent healthcare providers
• Legal support: Estate planning, healthcare directives, relationship recognition

LGBTQ-Friendly Retirement Cities Top-rated cities include:

• Minneapolis, Minnesota (highest rating for LGBTQ+ friendliness)
• Seattle, Washington
• Portland, Oregon
• Austin, Texas
• Tampa Bay, Florida

Veteran Seniors

According to the 2015-2019 American Community Survey, the Veteran population ages 65 or older numbered in excess of 18.2 million.

VA Benefits for Elderly Veterans

• Pension Programs: Veterans Pension for veterans with limited income and unable to work, with 2025 asset limit of $159,240
• Aid and Attendance: Additional monthly payments for veterans requiring daily assistance
• Healthcare: VA medical centers and community care programs
• Home modifications: Grants for accessibility improvements

Application Process Apply online at VA.gov or visit your local VA regional office. Required documentation includes:

• Military service records (DD-214)
• Medical records supporting disability claims
• Financial statements and tax returns
• Marriage certificates and dependent information

Disabled Seniors

Seniors with disabilities face unique challenges in accessing retirement activities and services.

Accessibility Resources

• Americans with Disabilities Act (ADA): Ensures access to public programs and services
• Transportation: Paratransit services, accessible public transportation
• Home modifications: Ramps, bathroom safety, lighting improvements
• Assistive technology: Communication devices, mobility aids, smart home systems

Financial Support

• Social Security Disability Insurance (SSDI): Continues past retirement age
• Supplemental Security Income (SSI): Additional support for those with limited resources
• Medicare and Medicaid: Dual eligibility for comprehensive healthcare coverage

Rural Seniors

Rural areas have an overrepresentation of older adults, with unique challenges including transportation, healthcare access, and social isolation.

Unique Challenges

• Limited public transportation
• Fewer healthcare providers and specialists
• Limited broadband internet access
• Greater distances to services and activities
• Economic challenges and poverty

Resources and Solutions

• Area Agencies on Aging: Provide transportation, meal delivery, and social services
• Telehealth: Remote healthcare consultations
• Mobile services: Traveling healthcare, banking, and social services
• Rural transit programs: Shared ride services and volunteer driver programs

Federal Programs

• USDA Rural Development: Housing assistance and community facility grants
• Rural Health Network: Connecting rural areas to healthcare resources
• National Rural Transit Assistance Program: Transportation solutions

Tribal Seniors

American Indian and Alaska Native seniors have unique cultural needs and may be eligible for specific programs.

Specialized Resources

• National Indian Council on Aging: Advocacy and support services
• Tribal Area Agencies on Aging: Culturally appropriate services
• Indian Health Service: Healthcare specific to tribal communities
• Native American Housing: HUD programs for tribal housing

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Resources by Region

Different regions offer unique opportunities and face specific challenges for seniors. Understanding your local resources helps you make the most of retirement.

Northeast Region

Strengths: Excellent healthcare systems, public transportation, cultural institutions Considerations: Higher cost of living, harsh winters Resources: Strong social services networks, extensive public library systems

Southeast Region

Strengths: Lower cost of living, warm climate, no state income tax (some states) Considerations: Hurricane risk, summer heat and humidity Resources: Large retiree populations, extensive senior services

Midwest Region

Strengths: Affordable housing, strong community connections, four-season recreation Considerations: Cold winters, economic challenges in some areas Resources: Community-based services, university town opportunities

Southwest Region

Strengths: Dry climate, outdoor recreation, growing senior communities Considerations: Extreme summer heat, water availability concerns Resources: Desert recreation, Native American cultural opportunities

West Region

Strengths: Diverse climates, outdoor recreation, progressive policies Considerations: High cost of living in many areas, wildfire risk Resources: National parks, technology access, environmental programs

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Planning Your Retirement Activities: A Practical Approach

Creating a sustainable and enjoyable retirement requires balancing your interests, health needs, financial resources, and social connections.

Assessment Questions

Financial Reality Check

• What is my actual monthly income from all sources?
• What are my essential monthly expenses?
• How much can I realistically spend on activities and hobbies?
• Am I eligible for assistance programs I’m not currently using?

Health and Mobility Assessment

• What are my current physical limitations?
• What activities bring me joy and energy?
• How can I maintain or improve my health through activities?
• Do I need transportation assistance for activities?

Social Connection Needs

• Am I experiencing loneliness or isolation?
• What types of social interaction do I prefer?
• How can activities help me build meaningful relationships?
• What skills or experience can I share with others?

Creating Your Activity Plan

Building Your Support Network

Professional Support

• Primary care physician
• Financial advisor or benefits counselor
• Legal advisor for estate planning
• Mental health counselor if needed

Community Support

• Area Agency on Aging
• Senior center staff
• Religious or spiritual community
• Volunteer coordinators

Personal Support

• Family members and friends
• Neighbors and community members
• Activity partners and hobby groups
• Emergency contacts

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Frequently Asked Questions (FAQs)

Q: I’m worried about money. What government programs might I qualify for? A: Many seniors qualify for multiple assistance programs. Start with your local Area Agency on Aging for a benefits screening. Common programs include Medicare Extra Help, SNAP food assistance, LIHEAP utility help, and property tax relief. The process can take 60-90 days, so apply early.

Q: How do I find volunteer opportunities that match my interests and abilities? A: Contact your local AARP chapter, Area Agency on Aging, or visit VolunteerMatch.org. Many organizations offer flexible scheduling and will work with physical limitations. Start small with a few hours monthly to find the right fit.

Q: Is it safe to travel as a senior, especially alone? A: Absolutely, with proper planning. Choose reputable tour companies, inform family of your plans, carry emergency contacts, and consider travel insurance. Many destinations and cruise lines cater specifically to senior travelers with appropriate pacing and assistance.

Q: I’m not good with technology. Is it too late to learn? A: It’s never too late! Start with your local library’s computer classes – they’re usually free and designed for beginners. Many offer one-on-one help. Focus on one skill at a time, like email or video calling, rather than trying to learn everything at once.

Q: How do I avoid scams targeting seniors? A: Never give personal information to unsolicited callers. Government agencies don’t call demanding immediate payment. Verify any request independently by calling the organization directly using a number you look up yourself. When in doubt, consult family or friends before responding.

Q: What if I want to work but face age discrimination? A: Focus on age-friendly employers like Home Depot, CVS, and seasonal retailers. Update your technology skills and consider part-time or consulting work. Network within your community and emphasize your reliability, experience, and customer service skills.

Q: How can I stay active if I have physical limitations? A: Many activities can be adapted for different abilities. Chair exercises, seated yoga, gentle water aerobics, and modified sports are available in most communities. Focus on what you can do rather than limitations, and work with your healthcare provider to find safe activities.

Q: My spouse/partner has dementia. What resources are available? A: Contact the Alzheimer’s Association at 1-800-272-3900 for local resources. Look into adult day programs, respite care, support groups for caregivers, and eventual memory care facilities. The Area Agency on Aging can help with care planning and financial assistance programs.

Q: I live in a rural area with limited services. What are my options? A: Rural areas often have transportation services for seniors, mobile health clinics, and online resources. Contact your state’s rural health network and explore telehealth options. Many rural communities have strong volunteer networks and faith-based support systems.

Q: How do I plan for increasing care needs as I age? A: Start with a conversation with your healthcare provider about likely future needs. Research local senior living options, understand your insurance coverage, and consider long-term care insurance if you don’t have it. Create advance directives and discuss preferences with family.

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About This Guide

This comprehensive guide was created to provide seniors with practical, up-to-date information about retirement activities, opportunities, and resources. The information is based on current government programs, established organizations, and reliable research as of August 2025.

Scope and Purpose This guide covers the major aspects of active retirement living, from volunteer opportunities and travel options to financial assistance and health maintenance. It’s designed for seniors who want to make informed decisions about how to spend their retirement years while being realistic about financial and health constraints.

Using This Information While this guide provides comprehensive information, individual circumstances vary greatly. Always verify current program details with the relevant agencies, as eligibility requirements and benefits can change. Consider consulting with professionals for personalized advice about financial planning, healthcare decisions, and legal matters.

Regular Updates Needed Government programs, eligibility requirements, and contact information change regularly. We recommend checking with local agencies and official websites for the most current information before making important decisions.

Additional Resources For ongoing updates and additional resources, consider subscribing to AARP publications, following your Area Agency on Aging communications, and staying connected with local senior centers and community organizations.

Feedback and Improvements This guide represents current best practices and available resources for senior retirement activities. As programs evolve and new opportunities emerge, the information landscape continues to change, making ongoing education and community connection essential for a successful retirement.

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Disclaimer

This guide provides general information about retirement activities, government programs, and resources available to seniors. Program details, eligibility requirements, and benefits can change frequently. Always verify current information with the relevant agency or organization before making financial or healthcare decisions. This guide is not a substitute for professional financial, legal, or medical advice. Individual circumstances vary, and what works for one person may not be appropriate for another. The authors and publishers are not responsible for any decisions made based on this information.

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This guide serves as a starting point for exploring retirement opportunities. Stay curious, stay connected, and remember that retirement can be one of life’s most rewarding chapters when approached with good information and realistic planning.