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What Retirement Means to Agents in Real Estate

By
Real Estate Agent with Appraisal Review Board, Denton County, TX 0506509

Journal Entry for August 5, 2026

 

Children go to school. The goal is to become educated to grow up and make a living. Unfortunately, they don't learn how to pay for rent, pay for student loans, and many don't have money for housing, rent, books, laptops, lunches or to pay for transportation.

Real Estate Agents go to Real Estate school. They learn how to pass a test to get their real estate license. Few if anyone will learn how to sell real estate without proper training. But to sell, you have to get sponsored, pay for your education to get licensed, pay for training, join a Brokerage, pay Board dues for MLS privilege, pay for lock boxes and pay for the use of having a lock box, pay for expenses, pay for photography, pay for this, that, and many other things to help you succeed. And then once you succeed in a transaction there are fees to be split.

A METAPHOR FOR CHANGE

Retirement. In my opinion, retirees really need to understand "As the wind blows, you must set your sails." Just as a sailor cannot control the wind, a retiree has no control for unexpected circumstances that causes drastic changes no one could have predicted. 

Adaptability to change can be easy or difficult. The most important thing to know is how to maintain a flexible mindset and body. The key is to stay flexible to change and be ready to adjust your course. Be ready for challenges. 

Issues that get in the way of a goal. Becoming a caregiver can happen at any time in anyone's life. You may have aging parents, aging children, or a spouse whose health caused major changes. You may find yourself needing special care. Or you're needed to be a guardian to your grandchildren. The home you're living in is too big, not accommodating for your special needs, you're mortgage or rent becomes impossible to pay, or disaster can strike. Change can turn a bright sunny day into a storm that never stops raining, thundering, or throwing lightning strikes your way. 

All your life you've been building up resilience. As a real estate agent, you prepared for other people's changes. You were also changing! By being conditioned to being resilient, you learned how to problem-solve, save money for those rainy days. You adapted to many changes that were outside of your control. There were things that occurred and you had to pivot - Bank Foreclosures, Short Sales, a sudden spouse shows up before closing and you didn't know the divorce was never finalized. Maybe there was a major issue. Home maintenance, property taxes became unattainable, HOA, death, criminal charges you didn't know, Lender denies the loan, the list goes on.  The buyer or seller changed their mind. A client's transaction did not come to fruition through no fault of their own, or it was their fault! As an agent, you were always taking chances.  

Responsibility. You can't control the wind or any external force outside of your control. But you can be prepared before you retire to choose how to set your sail and respond quickly, with or without warning.


Navigating through life's journey. 
To quote Jim Rohn: "It is the set of the sails, not the direction of the wind that determines which way we will go." Stay open-minded to changes and opportunities to keep moving you forward. I've never seen a sailboat back-up in reverse and start over. Follow your destiny. It is essential to know how to adapt, take responsibility, continue to build resilience, problem-solve, and understand how your money flows. 

 

 

God provides the wind; Man must raise the sail ---Saint Augustine 

 

Author: Patricia Feager. Images: AI

Comments(20)

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Joan Cox, Retired Broker/Owner
Denver, CO
Enjoying Every Day to Its Fullest!

Patricia, boy, you sure got this all correct!   We lived through 2008, COVID, through all our clients' disasters and happiness.   Retirement should also be filled with challenges, but also joy and happiness.

Aug 05, 2026 06:39 AM
Patricia Feager

Joan Cox, Retired Broker/Owner - You got that right! We have to continue to seek joy, good health, and happiness. There may be times when you have to take the wheel and steer alone. That's why it's so important to be flexible and prepare to navigate through any storm. Follow the sun - keep that sunny disposition and keep moving forward. 

When you're good and healthy - count your lucky stars!!!

Aug 05, 2026 06:43 AM
Joan Cox, Retired Broker/Owner

So far, I can count my lucky stars!

Aug 05, 2026 07:17 AM
GilbertRealtor BillSalvatore
Arizona Elite Properties - Chandler, AZ
Realtor - 602-999-0952 / em: golfArizona@cox.net

good post with great information. Thanks for sharing it. Bill

Have a fantastic week!

Bill Salvatore, Realtor- Arizona Elite Properties

Aug 05, 2026 06:54 AM
Patricia Feager
Appraisal Review Board, Denton County, TX - Flower Mound, TX
Licensed to April 2027

GilbertRealtor BillSalvatore - thanks for visiting. May you have a great week filled with joy. 

Aug 05, 2026 06:59 AM
Wayne Martin
Wayne M Martin - Oswego, IL
Real Estate Broker - Retired

Good morning Patricia. Retirement is an adjustment to change. Your schedule if free, you can do what you want. Both wrong! Something will always come up! You can focus on health and exercise while pursuing things you want to do. I think I am winning but it is too soon to call. Enjoy your day.

Aug 05, 2026 07:01 AM
Patricia Feager
Appraisal Review Board, Denton County, TX - Flower Mound, TX
Licensed to April 2027

Wayne Martin - I don't even think of myself as being retired until I have a doctor's appointment. I hate the Medicare questions they ask. And even worse, after the questions they take my blood pressure. 

Making adjustments in retirement years is mandatory. Like it or not, there's always something. Except, I've never seen retirees dancing in the streets and acting like silly kids. 

I sure don't miss being in real estate sales. I think anyone who quits the business has reason to celebrate and to seek joy!

 

Aug 05, 2026 07:13 AM
Dee Toohey
Innovative Realty Solutions Group - Longwood, FL
Broker, ABR, AHWD, CIPS, FMS, ePro

Good info! Thanks for sharing.

I am starting to think about retirement. Since my accident July 2025, I have not worked very much, only listing one house for a friend and trying to sell a challenging listing. I am finally healing and am contemplating the next step. It might be retirement. I don't know.

Have a great retirement.

Dee Toohey 

Aug 05, 2026 07:56 AM
Patricia Feager

Dee Toohey - I pray you make the right decisions and heal. That's a long time for you to have had an accident that changed your life. I was run over by my own car and I haven't been the same since. When there are no health benefits for real estate professionals, agents are out on the limb hanging on for dear life.  

I doubt many people are prepared for retirement. You're in my thoughts and good wishes. 

Aug 05, 2026 09:42 AM
Roy Kelley
Retired - Gaithersburg, MD

This is good advice to share. I have years of retirement experience.

Old age comes with physical limitations. One fall can change all of your plans.

Aug 05, 2026 07:57 AM
Patricia Feager

Roy Kelley - Physical limitations are taken for granted until we have a fall, disease, or some accident. 

Retirement years offers no guarantees!

Aug 05, 2026 09:37 AM
Sham Reddy CRS
Howard Hanna RE Services, Dayton, OH - Dayton, OH
CRS

Love this blog Patricia, thanks for sharing!!!

Retirees really need to understand "As the wind blows, you must set your sails." Just as a sailor cannot control the wind, a retiree has no control for unexpected circumstances that causes drastic changes no one could have predicted. 

Aug 05, 2026 08:06 AM
Patricia Feager

Sham Reddy CRS - It's always nice when you visit and share.

May you have a good life.

Aug 05, 2026 09:33 AM
Nick Vandekar, 610-203-4543
Realty ONE Group Advocates 484-237-2055 - Downingtown, PA
Selling the Main Line & Chester County

When things are going well I often say it is a good sailing day, when they are not I will say, seems to be a squally day and we need to trim sails and maybe adjust course. Good post, one never knows what is coming and when. One of my daughter in laws lost her father this past week. He always worked hard and was highly respected as a college professor, but he was always working. I don't think he got enough time to enjoy retirement. One needs to seize the day.

Aug 05, 2026 08:22 AM
Patricia Feager

Thank you, Nick Vandekar, 610-203-4543! My aunt told me to travel as much as I could, see the world, and enjoy these years now. Aging does not promise rest and relaxation. 

Aug 05, 2026 09:32 AM
Patricia Feager
Appraisal Review Board, Denton County, TX - Flower Mound, TX
Licensed to April 2027

Nick Vandekar, 610-203-4543 - I like your thoughts, sayings about sailing, and your knowledge.

I'm sorry about your daughter-in-laws recent loss. Sometimes, there are no words that can heal a loss of a parent. 

Carpe Diem!!!

Aug 05, 2026 09:30 AM
Patricia Feager
Appraisal Review Board, Denton County, TX - Flower Mound, TX
Licensed to April 2027

Sham Reddy CRS - I never really gave much thought to that phrase, Life is short, until I began to experience life fully. There's no going back. We are lucky if we move forward and we don't really know how lucky we are compared to other people's misfortunes. 

Aug 05, 2026 09:36 AM
George Souto
George Souto NMLS #65149 - Middletown, CT
Your Connecticut Mortgage Expert

Patricia, I was very fortunate that I knew exactly what I wanted to do when I "semi-retired" and was able to do it.  I am still very active, but at a slower pace.

Aug 05, 2026 04:31 PM
Evan Ye
VirtualStaging.tools - Newark, DE
Listing photo technology for real estate pros

The idea that retirement does not have to be a hard stop really stood out. An agent may step back from full production while still keeping the parts they value most—mentoring, referrals, or a small number of longtime clients. Planning that transition early can protect client relationships while giving the agent more freedom to decide what retirement actually looks like.

Aug 05, 2026 07:01 PM
Debra Leisek
Bay Realty,Inc Homer Alaska - Homer, AK

Well Said Patricia Feager   Set Your sails and be ready for what comes,  is very good advice. Some times we are not prepared for what life can throw us. I appreciate your thoughtful message here and the repsonses from our Rain Friends. Thank you!

Aug 06, 2026 12:46 AM
Patricia Feager

Debra Leisek - Anytime we start a new chapter in our life it's exciting, a little intimidating, joyful, and fun! All we have to do is be ready and prepared to sail away. Although the road to success can be bumpy, and not always smooth, it's worth the effort to sit tight and remember. The professional occupation of real estate was something we had to learn. With buyers, sellers, renters, lenders, and investors, we took chances! We were never promised or were guaranteed a successful journey. But we learned skills and dove right into the business, never knowing who, what, when, or why fruition did or did not occur. 

About a year ago, I dipped into those retirement years but never stopped learning. I enrolled in fun classes like learning the ancient art of glass blowing, signed up for Ollie for Seniors at UNT (University of North Texas) and met birds of feather who also had a thirst for knowledge! I no longer seek leads to buy or sell property, but I have found my niche in talking to a variety of ordinary people at the grocery store, hardware store, the Bread Haus, and other places.

For example, on the day I bought my electric lawnmower, a young, recent grad from high school was very accommodating and helped me make a decision to buy a lawnmower. In past years, I always had a gas mower. This guy sold me on an electric mower, but I had no way to take it home. He broke the store rules, after paying for it, we put it in his pickup truck, then after work he brought it home for me. We must have spent an hour in the store building trust before I felt comfortable in making those decisions!

Debra, he put it together and mowed my lawn and taught me how to use it, so it didn't run away from me. For about six weeks, he stopped by and mowed my lawn and made absolutely sure I was comfortable. We've become friends and he never takes a penny from me, or accept an invitation to buy him dinner, or give him $ to buy a meal after he is done.

Life is good! Retirement has helped me to grow and become more people friendly and trusting too. I learned a lot from that young man, who lived through Covid Locked Down during that horrible time in our lives. 

Aug 06, 2026 03:52 PM
Debra Leisek

Wow what a wonderful experieince with the young man who helped you with your lawn mower and kept on helping you! I bet he enjoyed your  frh positive look at life!! Nice to make such a good friend! 

You have kept so active both physically and mentally with the classes and walking and taking photos! You are a good role model!

You are like the energizer bunny....you keep on keeping on!!!

Aug 07, 2026 01:11 AM
Lew Corcoran
Better Living Real Estate, LLC - East Bridgewater, MA
Expert guidance. Exceptional results.

That post hit with a kind of quiet truth that sneaks up on you, and I’m glad you shared it, Patricia Feager. The way you framed change and resilience felt so real, like something we all nod along to even if we’ve lived it in different ways. Thanks for putting it out there and giving the rest of us a moment to breathe and think about our own sails.

Aug 06, 2026 01:03 PM
Brian England
Ambrose Realty Management LLC - Gilbert, AZ
MBA, GRI, REALTOR® Real Estate in East Valley AZ

I love the quote from Saint Augustine!  For myself, I always figured that I would keep my license active and just help out those whom I cared most about, haha.

Aug 06, 2026 03:20 PM
Patricia Feager
Appraisal Review Board, Denton County, TX - Flower Mound, TX
Licensed to April 2027

George Souto - You are a blessing in the ActiveRain community! We are grateful you are still an active member providing support and wisdom to all!

Aug 06, 2026 03:25 PM
Patricia Feager
Appraisal Review Board, Denton County, TX - Flower Mound, TX
Licensed to April 2027

Evan Ye - As a newer member to ActiveRain we are happy to have you on board! As the founder of VirtualStaging tools, with talent to build practical listing photo technology for real estate agents, photographers and small real estate teams you can quickly become an asset to the ActiveRain Community. Have you had a chance to join in on Tuesday for the Zoom sessions? On Sunday, George Souto writes a blog post about who the guest speaker will be. Members, such as yourself can learn and ask questions. Because you joined ActiveRain to learn from estate professionals, we all look forward to how you can share practical insights about listing images while being responsible and respectful to the guidelines agents must follow through their state Brokerage rules for compliance.  

A few members who are very helpful with weekly Zoom meetings include: Kathy Streib, Carol WilliamsMargaret Rome Baltimore 410-530-2400 and you will network and make friends with many others on ActiveRain!

A big welcome to you and your eagerness to learn and share ideas with others!   

Aug 06, 2026 03:35 PM
Patricia Feager
Appraisal Review Board, Denton County, TX - Flower Mound, TX
Licensed to April 2027

Lew Corcoran - Whenever I'm in doubt, I have faith in myself to pray and figure out a way to get through life's challenges. No one ever really has a perfect life. When I started my career in real estate, I never focused on what if I don't make it in real estate. It really wasn't until I removed myself from my Broker's office and the status changed from active to inactive (still keeping my license) that I realized, all my life in the real estate profession, I was taking chances with my own money, strangers, and my time. And when I made a sale, I could never count on the whole fee due me, because of the splits. And those were times I had to adjust by splitting with a person from RRC (CRS), a Relocation Company, the Agent on the other side of the transaction, and/or my Broker. And then it hit me, for 21 1/2 years I was a gambler! Never knowing how much I'd make per year in annual sales or how much I'd have to spend to stay in the business.

These more recent years have taught me so much more than I ever dreamed. Also, there is never a time when I am bored or twiddle my thumbs. And the best part is, I'm spending less money on gas and I am much happier. 

 

Aug 06, 2026 04:03 PM
Patricia Feager
Appraisal Review Board, Denton County, TX - Flower Mound, TX
Licensed to April 2027

Brian England - For me, I find how to survive by believing with my whole heart and soul, that I can make it without depending on others but always and forever having faith. 

Aug 06, 2026 04:06 PM