Boots in Business: 10 key tips to reduce stresses when retiring from the military

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Boots in Business was created to help military transition better out when it is their time to do so. This blog gives back some tips on how to deal with the stresses when retiring.

Our Boots in Business Community Program is a good way to connect when you are transitioning out.

The picture for this blog post is from our Founder, Ray Ferguson, and a speech he gave when he was near his retirement date.

Transitioning from military to civilian life is a monumental shift that comes with its own unique set of challenges and stresses. For many veterans, this change is not just about finding a new job but about redefining their identity, reestablishing a support network, and navigating an entirely different lifestyle.

Here are the top 10 stresses that veterans commonly face when retiring from the military and stepping into the civilian world.

1. Loss of Identity and Purpose

One of the most profound stresses for retiring service members is the loss of identity and purpose. The military is not just a job; it is a way of life. Veterans often struggle to find a sense of purpose in civilian life, which can lead to feelings of aimlessness and frustration. The sense of belonging and being part of something greater is hard to replicate in the civilian sector.

Tip: Finding a new purpose can be achieved through volunteering, engaging in community activities, or pursuing further education. Connecting with other veterans who have successfully transitioned can also provide insights and support.

2. Navigating Civilian Employment

Finding a job in the civilian world can be daunting. Military skills and experiences don't always translate directly into civilian job requirements, and veterans may find it challenging to communicate their qualifications to potential employers. The competitive job market, along with the unfamiliarity of civilian job-seeking processes, adds to the stress.

Tip: Utilize resources like the Department of Veterans Affairs (VA) and veteran-focused job placement services. Consider translating military experience into civilian terms on resumes and practice interviewing with a focus on how military skills can benefit civilian employers.

3. Financial Uncertainty

The military provides a structured financial system with regular pay, allowances, and benefits. Upon retirement, veterans face the uncertainty of a new financial landscape, including the potential loss of certain benefits and the need to manage their finances without the safety net provided by the military.

Tip: Financial planning is crucial. Engage with financial advisors, particularly those who specialize in working with veterans. Establish a budget, understand new sources of income, and explore benefits that may still be available post-retirement.

4. Health and Medical Concerns

Access to healthcare in the military is straightforward, but transitioning to civilian healthcare can be complex and confusing. Veterans may worry about finding adequate medical care, understanding health insurance options, and dealing with any service-related health issues.

Tip: The VA offers comprehensive healthcare services for veterans. Ensure that you are enrolled in VA healthcare and understand the benefits available to you. Additionally, researching and understanding civilian health insurance options can ease this transition.

5. Family Adjustments

Retirement from the military affects not only the service member but also their family. Spouses and children must also adjust to a new lifestyle, which can include relocation, changes in social dynamics, and the absence of the structured military community.

Tip: Open communication within the family is essential. Involve family members in the transition process, seek family counseling if needed, and engage in activities that help build a new sense of community and routine.

6. Loss of Camaraderie

The military fosters deep bonds and a sense of brotherhood/sisterhood that is difficult to find elsewhere. Retiring veterans often miss this camaraderie and may feel isolated in civilian life.

Tip: Stay connected with fellow veterans through organizations such as the American Legion, Veterans of Foreign Wars (VFW), and other veteran groups. These organizations offer a sense of community and opportunities to reconnect with peers who understand the military experience.

7. Mental Health Challenges

The stress of transitioning to civilian life can exacerbate existing mental health issues or contribute to new ones. Conditions like PTSD, depression, and anxiety are not uncommon among veterans, and the shift from military to civilian life can trigger these or make them worse.

Tip: Prioritize mental health by seeking support from mental health professionals, particularly those experienced in working with veterans. The VA provides mental health services, and numerous non-profit organizations also offer support tailored to veterans.

8. Adapting to Civilian Culture

Military life comes with its own set of norms and culture, which can be vastly different from civilian life. Veterans might find it challenging to adapt to the unstructured nature of civilian society, where the chain of command and clear protocols are often absent.

Tip: Take the time to learn and understand civilian workplace norms and social behaviors. Engage in civilian activities, join community groups, and be patient with yourself as you adapt to the new environment.

9. Educational and Skill Gaps

Many veterans find that the skills and education they acquired in the military do not align perfectly with civilian job requirements. This can lead to a perceived or actual gap in education and skills, making the job search more stressful.

Tip: Consider taking advantage of educational benefits such as the GI Bill, which can fund further education and training. Identify any skill gaps and seek out courses, certifications, or apprenticeships that can bridge these gaps.

10. Bureaucratic Challenges

Navigating the various benefits and services available to veterans can be overwhelming due to the complex bureaucracy involved. Understanding eligibility, applying for benefits, and managing paperwork can add to the stress of transition.

Tip: Utilize veteran service organizations (VSOs) that can assist with navigating the bureaucracy. These organizations can provide guidance and support in applying for benefits and understanding your entitlements.


Transitioning from military to civilian life is a significant life change, filled with both challenges and opportunities. By recognizing these common stresses and taking proactive steps to address them, veterans can ease their transition and find success and fulfillment in their post-military lives. Remember, you are not alone in this journey—there are numerous resources and communities ready to support you every step of the way.

More free information is located at www.bootsinbusiness.com

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