Can you say more about what sort of difficulties you're having? What do you think is missing? What's driving your dissatisfaction?
So far, I'm not loving it. I've always needed work or school to give my day structure, and I'm not good at relaxing.
Does that mean you cannot provide structure on your own? You can't think of how to fill your time? Or does it mean you are uncomfortable with the loose structure of retirement, where things are not laid out in a schedule, hour by hour, and it's more fly by the seat of your pants?
"I'm not good at relaxing." Why is that? Are you an anxious person, a worrier? What is making you feel restless?
My retirement plan was to get up, go take a class at the Y, clean/purge my house for a couple of hours, read, cook dinner and catch up on television.
Is that enough for you, to have a satisfying and fulfilling life? Is that the extent of your retirement plan? I'm not saying you're doing anything wrong. I'm just saying, do you have anything more in mind than that? And if not, is doing that everyday going to make you happy and fulfilled?
mostly I just worry illogically about losing my paltry teaching salary even though I have a decent pension and good investments.
Sounds like maybe you're a worrier.
How long did it take those of you who required adjustment to retirement to do so?
There were some things that I adjusted to quickly (e.g., the absence of work and colleagues). There were other things that took a year or two (e.g., financial concerns, figuring out what sort of meaningful non-paid work I wanted to do). And there are still other things that continue to remain unresolved (e.g., where to live), even after a couple of years of retirement. So it depends on what the issue is.
In terms of structuring my day, I never had much trouble with that. I disliked the imposed structure of work. I prefer just doing what I want, when I want, for as long as I want, then moving on to something else. I feel constricted and controlled when I have a rigid schedule I have to adhere to. So the unstructured freedom of retirement was a natural fit for me.