That is very good advice, even though as Dave7 & Mo essentially show, we are all different 👍
I’m an obsessive organiser, hence my approach. I know other happy retired pals who rally are nothing like me, but who are very happy.
An older retired pal of mine also suggested to me to get major stuff done in the house, & in those last 5-20 years, we essentially did that. Being a lover of tech/stuff, ours included adding batteries to our solar, & making one car change to electric. But yes, get those “capital projects” sorted (or at least, fully budgeted and planned - they could happen after retirement, but we find we are always loathe to spend a big chunk on anything except holidays. Maybe helps being married to a Scot 🤪. No offence, Mo 😉