Why taking time off before retirement could be the smartest thing you ever do.
Retirement used to be a clearly defined point in life. You work hard, save hard, and hopefully retire around 65 – if you’re lucky and healthy. But times have changed. More of us are working longer, living longer, and feeling burnt out earlier. That’s why this new trend of micro-retiring – taking short planned breaks from work before traditional retirement – is gaining serious traction.
So, what exactly is micro-retiring? It’s not early retirement or chucking in your job for good. It’s a planned career pause – anywhere from a few weeks to a few months – where you step away from the day-to-day grind to reset, travel, learn, or simply breathe.
Why it makes sense
We’re not machines. Life isn’t just meant to be endured until the day we hang up our boots. Taking time out now, when the kids are older, the mortgage is easing off, and you’re still healthy enough to actually do something with that time – makes more sense than waiting until you’ve got all the time in the world but no energy to enjoy it.
And let’s be honest, work is more demanding than ever. The pressure, pace and stress many face daily means burnout isn’t just common – it’s expected. Micro-retirements can help you avoid the crash before it happens.
What about the money?
Yes, the argument against micro-retiring is the potential financial hit to your retirement savings. But to me, that’s a short-sighted view. A few months off may slightly reduce your super contributions, but it could add years of longevity to your working life. And in many cases, people return to work re-energised, more productive and better focused – which can actually boost their career.
The real financial danger is going into debt to take time off. That’s where planning comes in. Like anything in life – holidays, property, even retirement itself – if you save for it, it’s achievable.
Start a separate savings account. Call it “Pause Money” or “Freedom Fund” – whatever motivates you. Make regular deposits. Treat it as essential, not optional. If you get a tax return or a bonus, consider putting it toward your micro-retirement plan. You’re not being frivolous – you’re investing in your wellbeing.
Life is about experiences, not just effort
If the last few years have taught us anything, it’s that life can change quickly. Waiting until “one day” isn’t always a guarantee. Micro-retiring gives you the chance to create memorable experiences now – with your partner, with your family, or even just with yourself. These moments can fill your cup in ways no salary ever will.
It doesn’t have to be a trek across Europe. It could be a few weeks off to reconnect with your creativity, volunteer, or just switch off. The goal is to recharge and remember who you are outside of your work email.
So, is it worth it?
For many – absolutely. As long as you plan it properly, don’t go into debt, and return with renewed purpose, micro-retiring can be one of the smartest things you do for your health, your relationships and your career.
Take a breath. Make a plan. Your future self will thank you.
Marc Bineham
Money coach, keynote speaker & author of The Money Sandwich