Editor's note: This article is part of an ongoing series featuring the best retirement quotes and wisdom from top financial experts, leaders, and public figures. Other articles feature Warren Buffett, Michael Jordan, Mark Cuban, Jimmy Buffett and Dr. Seuss.
For half a century, Bruce Springsteen has taught us how to navigate the everyday struggles and ups and downs of life through his soul-searing lyrics and music.
Through the years, the 'working man' of rock and roll has also shown us how to age with grace and pizazz. Springsteen's latest global tour — which ran through mid-2025 — proved that he has no intention of fading away. There is a powerful message anyone retiring can take from that: the end of a career is simply the start of a new show.
But that's not all retirees can learn from the 76-year-old storyteller. From lyrics in his songs to quotes from his best-selling autobiography, here are five words of wisdom from 'The Boss' that every retiree should live by.
5 Bruce Springsteen Quotes Retirees Can Rock Out To
"I got something in my heart I been waitin' to give / I got a life I wanna start, one I been waitin' to live"
Leah, Devils & Dust
Never stop living is the message Springsteen drives home in this song from the early 2000's. While retiring marks the end of the 9-to-5 grind and the daily commute, it isn't the finish to your life. There is always a next chapter, and that's what retirement is — starting the life you've been "waitin'to live." It's the time to pursue a hobby, travel the world or launch a new career.
When it comes to retirement planning, it requires more than having a comfortable bank account. You also need to determine how you'll spend your time. Not sure? Here's our guide to planning for your passion in retirement.
"You can’t be afraid of getting old. Old is good, if you’re gathering in life."
Guardian interview, Sept. 23, 2010
Getting old is often a tough pill to swallow, but it shouldn't be — especially if you have a lifetime of living behind you. In this Guardian interview, Springsteen recognized that while hardcore fans appreciated his new music, they were really there for the old hits.
Rather than fighting that, he embraced it. He found a way to honor his past while continuing to create and live in the present, finding space for both.
Aging isn’t about losing your edge; it’s about "gathering" new experiences and memories while enshrining the old ones. "Gathering in life" looks different for everyone, but one thing is certain: staying healthy is the key to truly experiencing it. To find ways to do that, check out our story on aging well.
"You better start savin' up for the things that money can't buy."
Savin' Up, The End of the Road
You can't put a number on your health, relationships, and happiness, which is what ultimately matters in retirement. You can have all the money in the world, but if your health is suffering or if you are all alone, wealth won't matter. Sure, we need to save to cover our bills, but not at the expense of actually living.
That said, don't forget to account for longevity in your retirement planning. You could easily live twenty or thirty years out of the workforce, which requires a sizable nest egg. A longer life also increases the likelihood of needing long-term care at least once. Given the sheer cost, having a plan for how you’ll pay for it is vital — this guide on paying for long-term care can help.
Even excluding long-term care, Fidelity Investments estimates that as of 2025, a 65-year-old retiree with Medicare will spend $172,500 in out-of-pocket health care expenses in their lifetime. You can see why it’s so important to have a financial plan that supports the one thing money can’t buy: more time.
"All I do know is as we age the weight of our unsorted baggage becomes heavier... much heavier. With each passing year, the price of our refusal to do that sorting rises higher and higher."
–Born to Run
Springsteen was discussing his own struggles with mental health in this excerpt from his autobiography, but his words hit home for many retirees. For the first time in decades, the noise of the 9-to-5 fades away, leaving you to stop and reflect.
Without the distraction of a career, you’re often left to sit with your "unsorted baggage" — and if you don’t find a way to work through it, that weight can become overwhelming.
To find true happiness in this chapter, Springsteen suggests you have to become "light." That means doing the work to mend old relationships or finally chasing the passions and dreams you put on the shelf while you were working.
For some, that "sorting" even involves taking on a part-time job or an encore career to stay engaged. Whatever it looks like for you, the goal is to unpack that baggage now so you can move forward without the weight of the past holding you back.
"I'll meet you further up the road."
Further On (Up the Road), The Rising
Whether retirement is ten years away or just coming down the pike, one thing is certain: without a plan, you’ll have a hard time reaching your destination. It can be difficult to look that far into the future, but Springsteen’s lyrics remind us that the road is always unfolding.
Retirement may be "further up the road" for now, but if you don't prepare today, you’re looking at a rocky path — and one you may not have the resources to afford tomorrow.
And it's not just how much you need to save, it's how you'll spend your money once you are in retirement. Without a plan, retirees face the real risk of running out of money, especially if retirement lasts more than twenty years.
Never stop living
"The Boss" of rock and roll wants everyone to age gracefully and to never stop living. Through his words and music, he has taught us that you can’t put a price tag on our health, our relationships and our experiences.
Getting old is okay, retirement is a journey and we should never stop rocking — those are the key takeaways we can all learn from the life and lyrics of Bruce Springsteen.
