One of the most common retirement dreams I hear from my clients is the freedom to travel. After decades of responsibilities—careers, families, and commitments—you finally have the time, wisdom, and confidence to explore the world on your own terms. But for many of my clients who are solo women, the idea of traveling alone can feel both exhilarating and a little daunting. The good news is that solo travel among women over 55 is more popular than ever. A 2022 global survey by JourneyWoman found that women in this age group accounted for a staggering 77% of all solo travel bookings.

Furthermore, more women are choosing to travel alone not out of necessity, but out of a desire for independence and adventure. In fact, Boston-based tour operator Road Scholar reports that about 60% of their solo travelers are married women opting to explore the world without their spouses.

Whether it’s for personal growth, bucket-list experiences, or simply the joy of setting their own itinerary, women are redefining what it means to travel solo in retirement. But while the freedom is exciting, preparation is essential. With the right strategies in place—both financial and otherwise—you can say yes to the experiences that inspire you while feeling secure in your choices.

Why Travel Solo in Retirement?

For many women, retirement is the perfect time to embrace solo travel, offering a rare opportunity to explore the world entirely on your own terms. No compromises, no rushed itineraries—just the freedom to linger in an art gallery that moves you, sip coffee in a quiet piazza, or spontaneously change plans when adventure calls.

Beyond the joy of exploration, solo travel offers significant physical and mental health benefits. Walking through historic streets, hiking scenic trails, or simply staying active while navigating new surroundings keeps you moving, while the problem-solving and adaptability required during travel stimulate brain function—potentially reducing the risk of cognitive decline.

Travel can also be a powerful tool for navigating life’s transitions, whether it’s coping with the loss of a loved one, adjusting to life after divorce, or finding new purpose after a long and fulfilling career. In fact, research suggests that the mere act of planning a trip can lift your spirits—one 2020 survey of U.S. adults found that 97% of respondents felt happier simply by having future travel on the horizon. Another study found that exposure to foreign travel enhances cognitive flexibility, improving our ability to adapt, focus, and regulate emotions in unfamiliar situations.

Ultimately, the experiences, connections, and personal growth that come from solo travel don’t just make for incredible stories—they can also provide a renewed sense of purpose and fulfillment in retirement. In this way, solo travel isn’t just about adventure; it’s a meaningful investment in your emotional well-being, resilience, and overall quality of life.

Practical Tips for Planning a Solo Adventure

Feeling a little nervous before your first solo trip? You’re not alone—even seasoned travelers experience pre-trip jitters.

According to the 2024 Solo Female Travel Trends Survey, the biggest barriers for women traveling alone are safety concerns and higher costs. However, with the right preparation, you can turn those concerns into confidence and set out on an adventure that’s both empowering and unforgettable.

Mental Preparation

To mentally prepare for your adventure, start by easing into solo experiences in your daily life. For example, you could enjoy a meal alone at a favorite café, take a day trip to a nearby town, or attend an event by yourself. These small steps help build self-reliance in familiar settings, making the leap to solo travel feel more natural and less intimidating.

It’s also important to set realistic expectations. Not every moment of your trip will go exactly as planned, and that’s part of the adventure.

Solo travel teaches you to navigate challenges with resilience and adaptability—skills that will serve you well both on the road and in life. In fact, some of the best travel memories come from unexpected detours and spontaneous discoveries. Embrace the unknown, trust in your own capabilities, and remember that you’re stronger and more resourceful than you think.

Research & Planning

The destination you choose can set the tone for your entire solo travel experience. If you’re feeling nervous about traveling alone, start with places known for their safety, hospitality, and ease of navigation. Destinations like New Zealand, Japan, Iceland, and Portugal consistently rank among the best for solo female travelers, offering a welcoming atmosphere, efficient public transportation, and a strong tourism infrastructure.

For your first solo trip, consider easing into the experience by joining an organized group tour designed specifically for solo travelers. This allows you to enjoy the thrill of exploring a new place without the stress of planning every detail. Companies like Wild Women Expeditions and Adventures in Good Company offer curated group tours tailored specifically for solo women travelers, making it easier to step out of your comfort zone while staying safe and supported.

Group tours also provide built-in opportunities to meet like-minded travelers, offering companionship when you want it while still allowing you the freedom to explore on your own. Over time, as your confidence grows, you may find yourself craving even more independence—ready to craft your own itinerary and fully embrace the adventure of solo travel.

Safety Considerations for Solo Travelers

Before departure, share your detailed itinerary—including accommodation addresses and transportation plans—with at least two trusted contacts. Establish a regular check-in schedule via text, email, or video calls to stay connected without interrupting your adventure.

It’s a good idea to keep both physical and digital copies of essential documents, such as your passport, travel insurance details, and emergency contacts. Additionally, registering with the U.S. State Department’s Smart Traveler Enrollment Program (STEP) allows you to receive important safety updates and helps embassy officials locate you in case of an emergency.

While solo travel is empowering, situational awareness is key. Stay alert and trust your instincts but avoid displaying anxiety in unfamiliar settings. Safety apps like GeoSure and bSafe offer real-time neighborhood safety scores, GPS tracking, and emergency alerts and can provide an added layer of security when traveling alone.

Lastly, when using transportation, opt for licensed taxis or verified rideshare services, especially at night, to ensure a secure journey. By taking these precautions, you can confidently embrace solo travel while prioritizing your well-being every step of the way.

Financial Planning for Solo Travel

Sustainable solo travel begins with a well-defined financial strategy that aligns with both your retirement income and lifestyle goals. By taking a proactive approach to budgeting and expense management, you can enjoy enriching adventures without compromising your financial security.

#1: Create a Travel Budget

Start by determining a realistic percentage of your retirement funds to allocate for travel, making sure your essential expenses remain fully covered. If travel is a key part of your retirement vision, consider setting up a dedicated travel fund with automatic monthly contributions. This allows you to build a steady budget for future adventures without financial strain.

Solo travelers often encounter unique expenses that couples or groups can share. Accommodation is typically the biggest cost, as you won’t be splitting hotel stays or vacation rentals.

Additional expenses may include single supplements on tours, higher transportation costs without ride-sharing options, and sometimes elevated dining expenses without the ability to share meals. By factoring in these costs ahead of time, you can make informed choices, find ways to save, and ensure your travels remain both enjoyable and financially sustainable.

#2: Leverage the Right Financial Tools

The right financial tools can make solo travel more seamless, secure, and cost-effective. Start by using a credit card that offers no foreign transaction fees and valuable travel perks such as trip cancellation insurance, airport lounge access, and travel rewards. These benefits can save you money while adding convenience to your trip.

To minimize cash withdrawal costs, consider banking with an institution that reimburses international ATM fees. Before you depart, notify your bank and credit card providers of your travel plans to prevent unexpected security holds on your accounts.

Comprehensive travel insurance is another key safeguard—especially in retirement since traditional Medicare usually doesn’t cover international care. While insurance is an additional expense, it can provide invaluable protection in case of unexpected disruptions. Look for policies that cover pre-existing conditions and include robust medical evacuation coverage, ensuring you have access to quality care and emergency transport if necessary.

#3: Maximize Travel Deals and Discounts

To make the most of your travel budget, be strategic about when and how you book. Traveling during shoulder seasons (typically spring and fall) can significantly reduce costs while providing milder weather and fewer crowds—allowing you to enjoy a more relaxed experience at a fraction of peak-season prices.

Also, take advantage of senior discounts available worldwide for transportation, museums, and attractions. Many venues offer reduced rates, but they aren’t always advertised—so don’t hesitate to ask.

When booking accommodations, look for tour companies that cater specifically to mature travelers, such as Road Scholar and Overseas Adventure Travel, which often reduce or waive single supplements for solo travelers.

Finally, maximize travel rewards programs by using credit cards that offer flexible points transferable across airlines and hotels, helping you cut down on airfare and lodging costs. With careful planning and the right deals, you can enjoy incredible travel experiences while keeping your expenses in check.

Embracing Solo Travel in Retirement

Solo travel in retirement isn’t just about visiting new destinations—it’s about fully embracing your independence, following your curiosity, and creating a life that reflects what matters most to you. While traveling alone may feel intimidating at first, every great adventure begins with a single step: prioritizing your dreams and making them happen.

At Align Financial, we believe your money should be a tool to support the life you love. Whether you’re planning your next journey or designing a retirement filled with meaningful experiences, we’re here to help you build a comprehensive financial plan that balances your aspirations with long-term security. Contact us today to get started.