The U.S. surgeon general recently called loneliness an epidemic, saying it’s as harmful as smoking 15 cigarettes a day. That’s not exactly the retirement lifestyle you imagined.

Why loneliness hits retirees hard

Work provides more than a paycheck. It offers daily structure, social interaction and a sense of purpose. When retirement arrives, those built-in connections often disappear. Add in adult children living far away, friends moving or passing and mobility issues, and isolation can sneak in faster than you’d expect.

Loneliness doesn’t just feel bad — it has real consequences. Studies link it to higher risks of dementia, depression, heart disease and early mortality.

Signs you might be lonely

• You go days without meaningful conversation.
• Meals feel like chores because you eat alone.
• You scroll social media but don’t feel truly connected.
• You hesitate to call friends because you don’t want to “bother” them.

If these sound familiar, you’re not alone — and the good news is there are solutions.

Finding community again

1. Volunteer: Retirement gives you time to give back. Volunteering not only helps others but also creates friendships and purpose. Whether it’s mentoring kids, helping at a food pantry or supporting your church, service can refill your social tank.
2. Join a club or group: Book clubs, pickleball leagues, gardening groups — there’s something for everyone. Shared interests create easy conversation starters and regular meetups.
3. Consider a part-time job: Some retirees find joy in working part-time — not for the money, but for the community. Greeting at a local store, consulting in your old field or even teaching part-time can keep you connected.
4. Leverage technology: Yes, screens can isolate us. But they can also connect us. Video calls with grandkids, online classes or Facebook groups for retirees can bridge distance and foster real friendships.
5. Explore co-housing or active adult communities: These setups provide built-in social structures. Think of it as a neighborhood designed to keep you engaged, not isolated.

Why connection matters

Humans are wired for connection. We thrive when we share laughter, meals and purpose with others. Retirement isn’t just about financial independence — it’s about emotional well-being.

A study from Harvard found that strong social ties are the single biggest predictor of long, healthy lives. Not wealth. Not career success. Connection.

The bottom line

Financial planning matters in retirement, but emotional planning matters just as much. Loneliness can sneak up, but with intention, you can build a network of relationships that sustain you.

Because retirement isn’t about sitting alone in a quiet house. It’s about enjoying the freedom you’ve earned — with people who matter most.

Lyle Boss, The REAL BOSS Financial, endorsed by Glenn Beck as the premier retirement advisor for Utah and the Mountain West States. Boss Financial, 955 Chambers St. Suite 250, Ogden, UT 84403. Telephone: 801-475-9400.