u/Unfair-Feeling3659

I have been retired for a year now. I’m in my 40s. Just curious what surprises any of you experienced after you stopped working? How are you managing your money? I’m living off stock dividends but trying to reduce overall expenses by purchasing a home. I rent now and can probably save 10K a year if I buy. Mostly I overestimated how much free time I would have. Time seems to fly by if I don’t manage my time. I’m trying to reduce taxes by tax harvesting too. I’ve looked at software like Boldin but it doesn’t seem to add much I already use excel. I don’t have a financial planner but have considered using one to just offer critiques of my plan. I don’t have a formal plan but I may try filling a simple one out