On being retired: So what is it you do, now?

People still working are always fascinated with what a recent retiree gets up to. I guess the short answer is that I’m still busy, still procrastinating, still learning — but with far fewer constraints on how I spend my day.

This Blog

MoneyEngineer.ca was an idea that grew out of something I had been doing occasionally before I retired. I would discover something interesting in the world of being a DIY investor or in being a cheapskate and I would tell a bunch of friends and family about it, usually via email. But I figured that I could tell more people about what I’ve learned by starting a blog.

Knowing my procrastination habits, I took steps to make sure I would get that going on day 1. So in late December 2024 I prepurchased 2 years of WordPress and registered a domain. Investing a bit of cash in my proposed endeavor I knew would motivate me to actually DO it.

The time I spend on the blog now versus the early days has diminished quite a bit (partly because I’m now way more familiar with how WordPress works) but I enjoy the structure of heading down to the basement office and doing the work of researching and putting words on the page. And watching the website grow in popularity has also been gratifying. So thanks to all for reading and sharing!

Website views and unique visitors for MoneyEngineer.ca since launch

Managing Money

I do enjoy managing my own retirement income, and chasing whatever deal gets thrown my way. And I do try to simplify as much as I can. Being a cheapskate sometimes has the cost of adding complexity, it’s true. And outside the blog, I’m a frequent contributor to investing-related subreddits.

Volunteering

There are many organizations out there who are happy to put a recent retiree to work either on a recurring or on a one-off basis. Getting out of the house is a good thing, I figure. Here are a few of the places I’ve spent my time:

Fitness

I’ve always been a fan of outdoor exercise — gyms have zero appeal for me, and so even before I retired I made a habit of getting outside to ski, ride, run or walk thirty minutes four to five times a week. In retirement, I’ve become more interested in running and entered my first distance races this year; to avoid injury, I’ve added more miles and more structure2.

I have never liked strength training, but know that as I get older, that’s something I have to pay attention to. I recently discovered darebee.com and am following their strength training program; lots of variety and it’s mostly based on body weight exercises, so I can do them practically anywhere.

Piano

Both my kids took lessons and we own an upright as a result. The kids are both out of the house and instead of letting the instrument collect dust, I’ve started learning myself.

Once again, in order to prevent myself from avoiding doing the daily work, I invested in an annual subscription to pianote.com3. I suppose most accomplished musicians would frown upon anything other than in-person, tailored lessons, but the approach of pianote really appealed to me: playing songs but with enough technique to build skills.

On most days, I spend between 30 and 60 minutes at the piano. I’m currently working on the piano accompaniment to “Someone Like You“.

So there you have the view of what this retiree gets up to — what have you found that fills your days after work? Let me know at comments@moneyengineer.ca. I’m always curious about new things to try!

  1. Not a princely sum by any means, and not very regular employment (about 4 hours so far this year), so I don’t think it counts as a side hustle. ↩︎
  2. Training plans provided by chatGPT in both cases. ↩︎
  3. And although their billing is all in USD, they are in fact a Canadian company. Go figure. ↩︎

Reddit groups worth watching

I try to stay informed about the options out there for the DIY investor. Reddit has a lot of decent groups that help me stay in the know. Here’s a few I follow. And sometimes contribute to1.

r/Questrade

The Questrade subreddit is a good place to hear about changes on the platform. Questrade is currently my provider of choice since they are currently paying me to use their platform. Questrade employees do pay attention to this sub and will sometimes personally reach out to help (I’ve had this happen to me).

r/Wealthsimple

I have a growing relationship with Wealthsimple. I have one RRIF account with them (history of why is found here), their Cash card is a wonderful tool to save money when traveling and their chequing accounts actually pay reasonable interest rates. Lots to like. Their platform is ever evolving and the folks on the Wealthsimple sub help me to keep an eye on what’s coming up. I’m a fan of this product, and would consider using them as my primary financial services provider, once they have all the pieces I need in place. (Current shortfalls: USD support is weak, no spousal RRIF accounts last time I checked).

r/Bogleheads

No, not that kind. “Bogleheads” are folks that are disciples of Jack Bogle, credited for creating the first ever passive index fund. Bogleheads, like me, are passive index investors. The posts on the Boglehead subreddit are comprised of primarily US investors, but the concepts they talk about are applicable to the Canadian investor. My own investment philosophy is, as it turns out, strongly aligned with that of the Boglehead crew.

r/JustBuyXEQT

This sub’s biases are pretty plain to see. It’s populated by uber-fans of the all-equity all-in-one that I hold in my own portfolio,2 although not exclusively. (I prefer XGRO as it provides a bit of downside protection, but my thinking may be flawed on that front). XEQT is on my all-stars list. Posts are generally from younger investors who are looking for an easy way to invest and forget. Given my recent analysis, I’ll probably start buying into TEQT to save a few dollars on the MER front.

r/CanadianInvestor

This sub is more generally about investing in the Canadian market, and in some ways serves as a counter to the other subs that are more closely aligned with my couch potato style of investing. Unlike the other subs, I lack sufficient karma3 to contribute…I’m very close though.

r/cantax

This sub is all about the Canadian tax system. I sometimes pick up good tips this way.

Are there Reddit groups you think this community should know about? Let me know at comments@moneyengineer.ca!

  1. as u/RobHemm ↩︎
  2. About 6% as of July 2025 ↩︎
  3. You need a score of 50. I’m at 45. ↩︎