Going from full-time work to full-time retirement sounds relaxing until you picture the first month without a paycheck. For many people, the smoother option is stepping down in stages so income, benefits, and identity don’t change overnight. A phased retirement plan can help you test-drive retirement, keep valuable health coverage, and reduce the chance you tap investments too early. It also gives you time to build routines that don’t revolve around a work calendar. If you want 2026 to be the year you ease out instead of jumping out, here’s how to make the transition practical and affordable.
