Retirement Travel Planning: Revolution or Evolution?

February 3, 2026

The Golden Gap Year and Retirement Travel

One of the great joys of retirement is the time it offers for travel. It’s often referred to as the “golden gap year”, and the description is pretty apt.

Since neither my wife nor I had ever had the opportunity to take a gap year in earlier life, we decided that now was the chance to grab ours – one adventure at a time. We’ve been fortunate enough to visit some fairly exotic places and experienced many great things - but the odd thing is that our wish list just keeps getting longer rather than shorter.

Around this time of year — New Year’s resolution season — something interesting tends to happen. We’re often asked, “So where are you going this year?” and those same people frequently follow up with suggestions that we should climb Mount Kilimanjaro, cross the Arctic, or spend three weeks backpacking through Nepal. Others suddenly decide to abandon their familiar Greek villa or Caribbean all-inclusive in favour of something wild and dramatic.

There’s nothing wrong with ambition — far from it — but the start of the year seems to spark a need to prove that you’re really making the most of life, and are fully embracing retirement.

The problem is that, just like many other New Year’s resolutions, these bold commitments often never materialise. And sometimes, when they do, they’re so uncomfortable or overwhelming that they put people off trying anything different ever again — which really is a tragedy.

Travel in retirement doesn’t need to feel like an endurance test, a box-ticking exercise, or a performance to prove to the world that there’s a “new you”.

How to Choose the Right Kind of Travel in Retirement

When choosing where to travel or what to do, it’s surprisingly easy to ask the wrong question.

As we started looking at the many options for the year ahead, we realised we’d been asking ourselves:

“Where should we go this year?”

When we should be asking:

“What do we want from travel this year?”

It sounds like a subtle shift, but it completely changes how you approach the decision.

Key Questions to Ask Before Planning Retirement Travel

Before choosing between sun loungers and trekking poles, we set ourselves the task of answering some basic — but important — questions:

  • Enjoyment – What do I actually enjoy most about travel?
  • Finance – Can I afford this particular adventure and just as important, do I want to? What does this mean for other things, or destinations, on my wish list?
  • Health & Fitness – Do I know what conditions I’m going to be faced with and therefore am I currently fit enough to complete the journey AND enjoy it? If not, how might I prepare for it?
  • Durability – How long can I realistically keep going without any downtime? What balance between activities and down time works for me?
  • Comfort – We’ve found that as we’ve aged (a little!), our need for comfort has increased. The “arrogance of youth” may once have been able to help us shrug off all sorts of discomfort - now our bodies have a habit of reminding us of such abuses. So, what level of comfort – or discomfort - feels right for me?
  • Impact of Being Away from Home – How will family, friends and pets cope in our absence? Who is going to look after the daily life admin, the garden & plants? What are the positives of us being away for an extended period of time?

My Personal Approach to Travel in Retirement

I thought that I’d share our answers, just in case they help.

What I Do Enjoy? I love seeing other cultures, taking photographs, seeing wildlife, eating local food, and exploring.

What I Don’t Enjoy? What I don’t enjoy is being in what I call a “golden cage” — hotels that could be anywhere in the world, eating international food, and only interacting with locals when they bring me a drink.

Finance
Whilst I’m certain that I’d enjoy business class flights and five-star hotels, they would severely limit how often I travel — and would keep me in a very particular bubble. So, even if I could afford this kind of travel, I wouldn’t choose it.

Health, Fitness & Durability
I’m not unfit, but I know that I need to build downtime into any trip. I also don’t want to rush from place to place — there has to be some time to “just stand and stare”.

Comfort
We’ve been lucky enough to have visited the Amazon twice: once staying in a luxury lodge, and once in backpacker accommodation. When, in the backpacker lodge, some people started falling ill, I couldn’t walk barefoot in our room and mosquitoes invaded – in vast numbers, I realised my tolerance for discomfort had changed.

I now plan my trips accordingly.

Home
I love travel — but I also love home. I don’t want to become disconnected from my family or friends, and I have responsibilities that I need to be take care of. This influences my travel plans too.

Other
Despite everything that I’ve said, I still occasionally pick out activities just to remind myself that “I’m not dead yet”: white water rafting, Velocity 2 (Europe’s longest and fastest zip wire) and climbing Sydney Harbour Bridge.

Why Evolution Beats Revolution in Retirement Travel

This is our time. Big dreams matter, and thinking boldly is important.

But the old adage still applies: ‘Fail to Prepare & Prepare to Fail’. 

So, run your dream through that practical filter, decide what you want from the adventure - and what you are willing to give up in return.

I know that I won’t be signing up to walk 25 miles a day for three weeks of backpacking through Nepal any time soon. But if that’s what I decided to do, I’ll set my sights, build up to it and will enjoy every single step.

For me, it’s about creating great memories in a way that fits my life. Being practical and taking time to build up isn’t failure — and it isn’t procrastination. It’s realism. It’s evolution.

After all, ‘I can eat an elephant’ — but only one bite at a time.

Final Thoughts on Travel After Retirement

Think big, travel well, and above all, enjoy yourself.

Safe travels,

Phil

More on Retirement, Travel and Reinvention 

This is an original article by Phil Marsh, DECADES’ Retiree in Residence and the writer behind Rookie Retiree.

Phil explores retirement as an opportunity for adventure, learning and reinvention, with a practical, lived perspective on life after work.

👉 Read more from Phil here.

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Phil

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