After the past couple weeks, I have one recommendation for retirees. If travel is part of your retirement plan… do it now. This is not something we should wait on because there is a small window of time after we retire when we have the energy and health to explore the world. We were talking with some friends this week and they have a five-week trip planned to visit several countries. They are supposed to leave next week, but she had some cardiac issues recently and they may have to cancel it.
We just returned from a long-awaited trip to London and Paris, and it was more difficult to navigate than the last time we did an independent trip overseas. My feet hurt a lot more this time. Not a complaint, but a colossal awareness that travel will not get easier as we age.
When we first retired over seven years ago, travel was a major part of our plan. We were thrilled to have unlimited time to travel without having to arrange time off from work or use precious PTO. But after a couple big trips, life started to get in the way. Even after we retire, we tend to postpone travel for a multitude of reasons. For us, it boiled down to these three:
- It is expensive. This is the obvious one. We planned and budgeted for travel in retirement, so it still surprises me how hard it is to spend money on it. We worked for years with our nose to the grindstone to save for “someday.” It becomes our normal… saving. I think that, for most baby boomers, saving is easier than spending. Even when we’ve earned the right to enjoy our savings, there’s a lingering guilt that tugs at us every time we book a trip or splurge on a hotel. Part of us wants to savor the freedom we’ve worked so hard for, but another part hesitates, questioning whether it’s responsible or fair. Travel for pleasure feels frivolous when there are people that struggle to put food on the table. It’s a push and pull between indulgence and duty. And between saving more for someday and enjoying pleasures now.
- It is a lot of work to plan a big trip. Mr. U spent days planning our trip. The decision making can be overwhelming. I was talking with my adult son a few days before we left and he asked if I was excited. I told him, absolutely, but also a little stressed. He was curious why. It was a stark reminder that travel is more stressful as we age. It is stressful trying to figure out where to stay, transportation and all of the logistics. While the internet has made it much easier, we did not want to make a mistake and end up in a dangerous area without adequate transportation. This is especially concerning if it is a country that you do not speak the language. We could hire a travel agent, but… see first bullet.
- We have obligations at home. This was a big one for me. Just when the kids were through college and living independent lives of their own, my parents started needing more assistance. Besides, I wanted to spend time with them while we still could. Then when my mom passed away four years ago, it became harder to leave my dad for long stretches. I did not want to be halfway across the world if there was an emergency. We decided to stick to smaller trips within the U.S. At that point in life, it became less about seeing the world and more about making memories that honored both my love of travel and my commitment to family.
Trip Highlights
I am so glad we pushed past the challenges and did not put this trip off any longer. We had never been to Paris or London before, so we wanted to see all of the iconic (aka: touristy) sites. Warning! Slight photobomb ahead. You may want to skip to the next heading.
And just for the record, I am not wearing the same clothes in every picture. I only took a couple pairs of jeans and everything else was either black or white (capsule wardrobe on steroids). I wanted to be able to fit all of my clothes into my two pieces of carryon luggage. It was much easier to pull around and haul up and down steps. Bonus that we did not have to wait for bags at the airport or worry about luggage getting lost.

First stop was London. We loved how nice and polite the Brits were. The announcement on the subway (aka: the Tube) would consistently remind us to “mind the gap” when getting on and off, so we did not trip on the small gap between the train and the platform. The rest of the trip, Mr. U and I used the phrase, “mind the gap” whenever we wanted to remind each other to be careful.








After London, we took the train to Oxford and rented a car. Yep, Mr. U drove on the wrong side of the road with the steering wheel on the opposite side of the car. We thought that driving through the Cotswolds would be the best way to see the area. While that is probably true, driving a car in England was a harrowing experience that neither of us care to repeat. (Could this be an age thing or just common sense?)
Charming is the best way to describe the Cotswold area. A place set back in time. I wish we had more than two nights there.


After driving the car for two days, we gladly returned it to the rental car agency. Big sigh of relief that we did not cause any scratches or dents while trying to maneuver busy round-a-bouts going the wrong direction. Then it was through the Chunnel train to France. The title from the movie, “planes, trains and automobiles” kept running through my mind.
Last stop was Paris. Again, we went to all of the typical tourist attractions such as Notre Dame, the Louvre and of course the Eiffel Tower. But my favorite experience, aside from the buttery light croissants, was an evening dinner cruise down the Thames River.




Independent travel or a group tour?
We came home after 6 hours sitting in airports, 2 hours in lines and 13 hours cramped in a plane, with wonderful memories tucked away. Memories that ignite my creative juices and fill me with wonder and awe. But we were totally, physically and mentally, exhausted. Every decision, from catching the right train to get from point A to point B, choosing a place to eat and what sites we wanted to see that day required mental energy and constant attention. And yet, despite the fatigue, there is a profound sense of accomplishment that comes from navigating unfamiliar cities, languages, and customs. Bonus that traveling Supports Brain Health in Later Life. However, there is no doubt about it, world travel takes a lot out of you, particularly as you get older.
This leads me to the conversation that Mr. U and I had at the end of our trip. When we travel outside of the U.S. again, should we go with a tour group? We have done both now. When I first retired, we came across a group tour to Thailand for a really great price, so we jumped on it. Honestly, I never thought we would do a group tour because that is for “old people,” but it was excellent.
We weighed that group travel experience against others where we booked everything ourselves. And while I have only done the one group tour, the pros were clear:
- Everything was organized for you, and we didn’t have to figure out all of the logistics.
- We met new people. You have instant comradery. It is comforting to be in another country and bump into people you know as you wander about.
- We got to see several places we would not have seen otherwise. There were numerous choices for side tours and all of them were great.
- Travel was comfortable and we did not have to figure out transportation. All we had to do was make sure we were back to the bus at the designated time. I can do that. Bonus that you could see the countryside as you traveled instead of trying to navigate a map.
- You have a tour guide. We learned so much about Thailand from our tour guide as she provided a narrative on the bus rides. She was always willing to answer questions, explain the customs and translate as needed.
- Safety. This is particularly important if you are traveling solo, but also as you age. Mr. U and I knew that we screamed “tourist” especially in cities known for pickpocketing. At one point we rested at a busy city square when four young men came up to us and started asking questions. It felt uncomfortable and we quickly checked our pockets and bag and said goodbye.
But, as with anything, there were downsides to the group tour:
- Less flexibility and independence to explore on your own schedule. You went where the bus went. (However, the tour we went on allowed for quite a bit of free time to eat or explore where we pleased.)
- And while we met some very nice people, there is always “that one” that talks too loudly, is obnoxious or the straggler that keeps everyone else waiting.
- Less choice. All of the hotels and some of the restaurants are chosen for you. However, we were happy with the places they booked, and it did help prevent decision fatigue.


Conclusion
Travel is still an important part of our retirement plans. However, we decided that, if we travel outside of the U.S. again (other than a cruise) and particularly to a place where we do not speak the language, we will try another group tour. Does that mean that we are getting older? Well, we are. Hence my feet hurting after two weeks of walking over 15,000 steps a day. But we still hope to have a lot of travel in us, and we want to do it with as little stress (and blisters) as possible. How about you? Is travel part of your retirement plan and if so, do you prefer independent or group travel?
Cheers to the retirement years!

















