{"id":57937,"date":"2022-11-02T20:32:00","date_gmt":"2022-11-02T20:32:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/how-one-retiree-planned-his-stress-free-second-act\/"},"modified":"2024-01-09T13:08:59","modified_gmt":"2024-01-09T18:08:59","slug":"how-one-retiree-planned-his-stress-free-second-act","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/how-one-retiree-planned-his-stress-free-second-act\/","title":{"rendered":"How One Retiree Planned His Stress-Free Second Act"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\">\n\t\t\t\t\t\t\t<span>Savings<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">How One Retiree Planned His Stress-Free Second Act<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-11-03T134945.404-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Wayne Oudjin at Guelph Park in Vancouver, B.C., in August 2019.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-11-03T134945.404-1.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-11-03T134945.404-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-11-03T134945.404-1.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How One Retiree Planned His Stress-Free Second Act &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/how-one-retiree-planned-his-stress-free-second-act\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/how-one-retiree-planned-his-stress-free-second-act\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published November 2, 2022 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Retired life isn&#8217;t quite what Wayne Oudijn expected.<\/p>\n\n\n\n<p>At 66, he starts his mornings with a double latte and Wordle, the daily word-guessing game that took the internet by storm early this year. Then he&#8217;s on the go. At least once a week, he bikes along Vancouver&#8217;s winding trails. He likes home renovation and reads voraciously. And the pandemic has turned him and his wife into gardening enthusiasts.<\/p>\n\n\n\n<p>\u201cI thought I was going to put my feet up in retirement, but I&#8217;m busier than ever before,&#8221; says Wayne, adding that retirement has given him more flexibility to spend time with family and friends.<\/p>\n\n\n\n<p>Still, Wayne says retiring eight years ago feels almost like yesterday.<\/p>\n\n\n\n<p>\u201cFacebook shows you pictures from 10 years ago that feel like they were just from a few years back. As you get older, time just goes by so fast,&#8221; he says.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A lifelong planner<\/h2>\n\n\n\n<p>Retirement preparation started early for Wayne, a trained engineer who led fire-hazard prevention<b> <\/b>for Vancouver&#8217;s fire department for more than three decades.<\/p>\n\n\n\n<p>Shortly after university, he bought a house with the help of his parents. He then spent the following years paying off the mortgage. \u201cWe wanted to make sure we had no debts,&#8221; he says. He also maximized yearly contributions to his Tax-Free Savings Account (TFSA) and Registered Retirement Savings Plan (RRSP).<\/p>\n\n\n\n<p>To help manage his finances, Wayne has sought help from an RBC financial planner. The relationship goes back decades, when the same advisor, Rebecca, worked with his wife&#8217;s father. \u201cMy father-in-law was a beekeeper and he would sometimes bring Rebecca honey,&#8221; Wayne says.<\/p>\n\n\n\n<p>That warm relationship has continued.<\/p>\n\n\n\n<p>Before the pandemic, Rebecca visited Wayne often, laptop in hand. Over drinks or snacks at his home, she would pore over documents to help Wayne assess his risk tolerance and update his investment portfolio. Sometimes, they cracked jokes. They know each other&#8217;s families well. When help is needed, Rebecca is just a phone call or an email away. \u201cI hope she never retires,&#8221; says Wayne.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Finances during retirement<\/h3>\n\n\n\n<p>As households are pinched by sky-rocketing inflation, Wayne feels lucky his finances are in relatively good shape. \u201cI feel financially secure,&#8221; he says. A few years back, he renovated the basement of his home, adding hardwood floors and a kitchen with stone countertops. Renting it out could always be an option, Wayne says.<\/p>\n\n\n\n<p>He continues to keep close tabs on where his money goes. \u201cI still have this excel sheet I created from 20 years ago. I track my expenses and calculate a running total of what&#8217;s in my banking account,&#8221; says Wayne.<\/p>\n\n\n\n<p>He&#8217;s found his daily expenses have decreased since retirement. \u201cWe&#8217;re not travelling or going to the restaurants as much,&#8221; he says, adding that he started to cook more since the pandemic.<\/p>\n\n\n\n<p>Saving more than he expected allowed him to pre-order a new car earlier this year. \u201cI&#8217;ve been able to sock away a certain amount every month, and by the time the car arrives, I&#8217;m sure I can just buy it outright, \u201che says. Wayne was also able to pitch in to help his son purchase his first home.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Planning through the generations<\/h4>\n\n\n\n<p>According to Wayne, it&#8217;s never too early to start planning for retirement.<\/p>\n\n\n\n<p>\u201cYou get old before you realize it. When I was told that as a kid, I didn&#8217;t quite believe it. And I&#8217;m not sure how you get people to understand that,&#8221; he says.<\/p>\n\n\n\n<p>To that end, Rebecca is also advising Wayne&#8217;s son, a 32-year-old engineer who just bought a townhouse. From mortgage planning to investment strategies and budgeting, she is doing more than just dispensing advice, Wayne says. His son is learning discipline and financial planning as he builds his wealth.<\/p>\n\n\n\n<p>\u201cAs an engineer, he is just getting started in his career and he has great earning potential, but it&#8217;s important to get involved in financial planning early on,&#8221; Wayne says.<\/p>\n\n\n\n<p>That&#8217;s why he&#8217;s trying to explain to his son that having a plan is the key to a comfortable future.<\/p>\n\n\n\n<p>\u201cI tell him you don&#8217;t have to avoid having fun or holidays, but the plan for the fun should be part of financial planning. And it&#8217;s important to see where your money goes.&#8221; he says, \u201cIt wasn&#8217;t that I was waiting for retirement with bated breath, but I&#8217;ve always had a plan.&#8221;<\/p>\n\n\n\n<p><i>Want to create your Second Act? Let\u2019s talk, so we can help you&nbsp;<\/i><a href=\"https:\/\/www.rbcroyalbank.com\/retirement\/\" target=\"_blank\" rel=\"noopener\"><i>enjoy this next chapter<\/i><\/a><i>&nbsp;in your life.<\/i><\/p>\n\n\n\n<p>Banner image: Wayne Oudijn at Guelph Park in Vancouver, B.C., in August 2019.<\/p>\n\n\n\n<p>Financial planning services and investment advice are provided by Royal Mutual Funds Inc. (RMFI). RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-51ea148f-e38d-4ea6-ba2b-a25fc7321ac9\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How One Retiree Planned His Stress-Free Second Act &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/how-one-retiree-planned-his-stress-free-second-act\/\">\n        <img decoding=\"async\" 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id-50b23957-fa6a-44e6-a3c9-027ee25835bd\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/protecting-wealth\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Protecting Wealth<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Savings<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div 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src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Digital form checklist\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg 6736w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=300,197 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=768,505 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1024,673 1024w, 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mar-t-0\">2026 Financial Roadmap: A Guide to Debt, Budgeting and Investing in Canada<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-51ea148f-e38d-4ea6-ba2b-a25fc7321ac9 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-51ea148f-e38d-4ea6-ba2b-a25fc7321ac9 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-50b23957-fa6a-44e6-a3c9-027ee25835bd {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-50b23957-fa6a-44e6-a3c9-027ee25835bd {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Wayne Oudijn&#8217;s life got busier when he stopped working. 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