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Why Insperity Employees Can Thrive in Retirement Without a Bucket List

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The first few years of retirement are frequently a time of transitions for many, including those leaving Insperity. It is a critical period that can influence the next few decades financially and emotionally. At the age of sixty-six, Wall Street Journal distinguished editor Stephen Kreider Yoder announced his retirement. His wife, sixty-seven-year-old Karen Kreider Yoder, followed suit. Their experiences, highlighted in the 'Retirement Rookies' column each month, demonstrate a departure from conventional retirement preparation. They emphasize crafting adaptable, meaningful experiences that serve as a foundation for future undertakings over following predetermined bucket lists.


This approach to retirement highlights a larger movement among individuals reimagining their post-employment years. By focusing on personal development and continual exploration, retirees can ensure a fuller, more satisfying experience. This narrative offers invaluable insights for Insperity employees looking to maximize their life-changing retirement years.

Recent studies by the American Psychological Association (APA) underline the advantages of the Yoders' method of unstructured retirement planning. The research indicates that retirees adhering rigidly to their pre-planned bucket lists report lower levels of satisfaction and fulfillment compared to those who engage in activities based on their own interests and whims. This suggests that a flexible retirement lifestyle can lead to more fulfilling and significant experiences, an important consideration as employees transition from structured careers to the freedom of retirement.


In the Retirement Rookies column, Stephen and Karen Kreider Yoder share their journeys and offer a fresh perspective on retirement planning. Learn why they're passing on typical bucket lists in favor of flexible, meaningful experiences, and how this strategy might enhance your post-work years at Insperity. Discover how embracing an unstructured retirement can lead to increased contentment and pleasure, setting the stage for a rewarding future.

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Forgoing a conventional retirement plan is akin to sailing a ship without a defined course. Retirees like the Yoders choose to navigate the waters of their golden years with the liberty to uncover new horizons as they appear, rather than charting every port of call. This method, much like a sailor discovering new adventures in uncharted waters, allows them to encounter unexpected joys and experiences, enriching each day with personal growth and satisfaction.

What type of retirement plan does Insperity offer to its employees?

Insperity offers a 401(k) retirement savings plan to its employees.

How can employees of Insperity enroll in the 401(k) plan?

Employees of Insperity can enroll in the 401(k) plan through the company’s online benefits portal during the open enrollment period or after their eligibility period.

Does Insperity provide any matching contributions to the 401(k) plan?

Yes, Insperity provides matching contributions to the 401(k) plan, helping employees to maximize their retirement savings.

What is the vesting schedule for Insperity’s 401(k) matching contributions?

Insperity has a vesting schedule that typically requires employees to work for a certain number of years before fully owning the matching contributions.

Can Insperity employees take loans against their 401(k) savings?

Yes, Insperity allows employees to take loans against their 401(k) savings, subject to specific terms and conditions.

What investment options are available in Insperity’s 401(k) plan?

Insperity’s 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles.

Is there a minimum contribution requirement for Insperity’s 401(k) plan?

Yes, Insperity requires employees to contribute a minimum percentage of their salary to participate in the 401(k) plan.

How often can Insperity employees change their 401(k) contribution amounts?

Insperity employees can change their 401(k) contribution amounts at any time, subject to the plan’s guidelines.

What happens to Insperity employees' 401(k) savings if they leave the company?

If Insperity employees leave the company, they can roll over their 401(k) savings into another retirement account or leave the funds in the Insperity plan, depending on the plan’s rules.

Does Insperity offer financial education resources for employees regarding their 401(k) plan?

Yes, Insperity provides financial education resources and tools to help employees make informed decisions about their 401(k) savings.

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For more information you can reach the plan administrator for Insperity at , ; or by calling them at .

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