A Minimalist Guide for Over 40s: Learn How to Ditch the Rut and Live Your Best Life

If you’re over 40, and feeling stuck, welcome. You’re in the right place. 

For Gen X’ers and Boomers, living with less isn’t in our nature. We’re accustomed to accumulating stuff.

Coming of age pre-Internet, we took our cues from TV, magazines, friends, and family. Consumerism was drummed into us at every turn: Stuff is what will make you happy and give meaning to your life.

Without Google to tell us otherwise, we went along with it.

The time has come to break free from that mindset for good. Welcome to a fresh perspective on life’s essentials where we appreciate the joy of less. It’s never too late to reevaluate, simplify, and truly enrich your life.

This guide is not just about minimalism, it’s about rebooting your journey to purpose, satisfaction, and meaningful experiences.

Start peeling away layers of excess, and discover the joy and freedom that come with conscious, minimalist living.

We’ll debunk myths, quell fears, and walk step-by-step on a path less cluttered. Ready to redefine your life, not by what you own, but by what truly brings you joy and fulfillment.

Let’s dive right in!

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What Is a Minimalist Guide?

A minimalist guide is a set of principles designed to help you simplify your life and make conscious decisions about what you truly need. It pushes the concept that less is more, and challenges you to let go of not just your physical possessions, but also your thoughts and obligations.

This involves questioning the value of every item in your life, asking yourself if it brings you joy or serves a necessary purpose. If not, the guide encourages you to let go of it. This process is not just about material possessions, but also about commitments, relationships, and even habits that might be cluttering your life.

There’s no specific formula for how to become a minimalist. Everyone’s journey will be unique, based on their individual circumstances and goals. However, the overarching principle remains the same: minimize distractions and excess to focus on what’s truly important.

Reasons to Become a Minimalist

Minimalism is about grabbing life by the horns and making your own rules. It’s about discovering what cranks your gears, setting yourself free from the incessant wants triggered by the “buy more” brigade, and zoning in on what truly matters.

Deciding to live a minimalist lifestyle can be your golden ticket to financial freedom. It’s all about mindful consumption, and bidding farewell goodbye to debt and financial stress.

It encourages you to be content with less, which not only boosts your inner peace but also helps you minimize your environmental footprint. Plus, it’s super handy for time management. You can cut down on unnecessary commitments and prioritize your to-dos based on what you value most.

Digging into minimalism means clearing the clutter from your space AND your mind. This can lead to a boost in your overall life quality. So, minimalism isn’t just about less clutter in your closet, it’s about decluttering your whole life.

A Minimalist Guide to Simplify Your Life

You may be surprised to learn that the advice in this guide doesn’t focus solely on reducing your physical belongings. As I mentioned above, all aspects of your life can benefit from a little streamlining.

I’m talking about everything from your habits and mindset to your finances, lifestyle, and diet. It’s worth fine-tuning these areas at any stage in your life, but if you’re over 40 it’s especially pertinent.

It’s at this point that people often find themselves feeling stuck in a rut. Speaking from our own experience, there’s nothing quite like giving your life an overhaul to kick-start new beginnings and reestablish your sense of self. 

So let’s dive in. Here are some minimalist lifestyle tips you can start implementing today (even if you’re a complete beginner): 

You may also be surprised to notice that the advice offered doesn’t focus solely on downsizing your physical belongings. All aspects of your life can benefit from a little streamlining.

I’m talking about everything from your habits and mindset to your finances, lifestyle, and diet. It’s our version of intentional living. Have a read and see what you think.

1. It’s Never too Soon to Start Decluttering

The first step on the path to living a more minimalist lifestyle is to declutter and reduce the amount of stuff you have. Getting rid of the things we don’t use or like is by far the best and easiest way to start this journey.

As William Morris put it, “Have nothing in your house that you do not know to be useful, or believe to be beautiful.”

Humans (especially those of us born between 1944 and 1980) own a lot of stuff. It’s only through eliminating the extraneous that we’re able to view life more clearly.

Put another way, clutter bogs you down. It creates an underlying sense of overwhelm. Something’s not right, but you can’t exactly put your finger on it.

What’s not quite right is that you have too much stuff. 

Ironically, it’s that sense of overwhelm that so often leads you back to doing what got you into this mess in the first place: buying something new in an attempt to self-soothe.

Maybe you have a small amount of excess, maybe you’re an all-out hoarder who’s run out of storage space. It doesn’t really matter. The first step is to declutter your home once and for all. How do you do that? You start by deciding.

It’s not enough to acknowledge there’s a problem and then go back to surfing the internet. Decide right now, once and for all, that you’re going to get a handle on your stuff problem.

Set a deadline for when you’ll be done or you’ll risk invoking Parkinson’s law: “It is a commonplace observation that work expands so as to fill the time available for its completion.” 

In other words, the more time you allow for decluttering, the longer it will take. Get your family on board and start rehoming the items that are gathering dust in your garage, hall closet, basement, etc.

Sometimes getting started is the hardest part. If you’re the type of person who is motivated by doing a course, check out Uncluttered, a 12-week course run by Joshua Becker of Becoming Minimalist.

And because we’re all about being helpful here at Mostly Mindful, here are 10 creative ways to declutter your home. We’ve also got 10 tips to help you let go of sentimental items and an article on how to build a casual minimalist wardrobe.

Start today, keep going, and over time you’ll reap the rewards of putting these minimalist tips into action.

2. Fix Your Finances for Good 

If you’re drowning in stuff, chances are your finances aren’t in the best shape either. Now that you’ve decluttered, it’s time to pay attention to your financial health.

This means getting a handle on your spending habits, paying off your debt, working on building a retirement nest egg, creating a rainy day savings account, etc.

Being in debt is super stressful. When you live paycheck to paycheck there’s a constant feeling of instability. What if you lose your job? What if you get sick and you can’t work?

According to The Balance, consumer debt in the U.S. is off the charts. Take a look at these personal debt statistics.

  • More than 189 million Americans have credit cards. 
  • The average credit card holder has at least four cards.
  • On average, each household with a credit card carries $8,398 in credit card debt.

[Source: Debt.org]

No wonder 69% of Americans have less than $1000 in savings. I’m not pointing fingers. For a long time, Sporty and I had no savings whatsoever. Things only changed for the better when we made the decision to start living more intentionally and curb our spending habits.

If you know for a fact that your wealth health is in good shape, great. If not, start by performing a financial audit. You can’t improve unless you know what’s wrong.

Having the state of your finances in front of you in black and white can be a rude awakening. I know it was for Sporty and me. But, that’s what motivated us to change. It’s also what led to us becoming debt-free.

We hired a financial advisor to help dig us out of the hole we were in. If you’re in a position to do that, go for it. Just make sure the person is reputable. If you’re not, I always point people to Dave Ramsay

His website literally has everything you need to fix your finances. Some of it is paid, but a lot of the tools he offers are free to use.

From budgeting and getting out of debt to advice on investing and calculating your mortgage, it’s a one-stop-shop for sure.

3. Liven up Your Lifestyle

If you’re in the over-40s age bracket, your kids (if you have any) are either out of the house or heading in that direction. Even if they’re not, now is still the perfect time to think about different ways of living. It could be as simple as moving to a smaller house, but maybe it’s time to liven things up.

The older we get, the more stuck we become in our ways. Living in the same house for decades adds another layer to an already sticky situation. The trick is to avoid becoming that old person who refuses to do anything new.

According to Dr. J. Bertran-Gonzalez, a neuroscientist at the Queensland Brain Institute. “There is more and more evidence showing the brain is similar to a muscle. The more you work it the more it responds.” 

Don’t be afraid to try new things. Rather than shying away from it, be someone who embraces change. No, it’s not easy or comfortable, but that’s the point. You have to choose between growth and stagnation. One allows you to live without regrets. The other keeps you on the couch. 

Even if it’s not feasible to make big changes right now, at least start thinking about how you want the next phase of your life to play out. Would you like to travel more, live in another country, or have a smaller house?

Of course, there’s nothing stopping you from making some changes while your children are still with you. There are plenty of inspirational stories of families who’ve taken off on amazing adventures. The bottom line is that you need to be open to new possibilities.

Sporty and I love trying new things to shake things up. Adopting a minimalist lifestyle has created space for adventures. We’ve been house-sitters, tried our hand at permaculture farming, and given small-town life a go. These lifestyle experiments force us to get comfortable with being uncomfortable.

4. Slow Your Eating 

The food we eat on a regular basis has an effect on our health and wellbeing. (Inputs determine outputs.) It’s not just about us, though. What we eat affects the planet and the animals we share it with. Lastly, our eating habits play a significant role in our finances as well.

We need food to nourish and fuel our bodies. Unfortunately, we humans have lost sight of this. Instead, we eat to please our tastebuds, stave off boredom, and quell anxiety. We end up feeling sluggish and grumpy, stuffed like sausages into clothes that no longer fit us properly.

The Standard American Diet (SAD) is the reason why so many people are struggling with lifestyle diseases. It’s why our kids are overweight and unhealthy and it’s a big contributor of greenhouse gases. Lastly, eating this way has a negative effect on our bank balance.

Eating a whole-food, plant-based diet, on the other hand, has a rejuvenating effect on your health, wellness, finances, and the environment. Off the bat, transitioning to a plant-based diet can seem daunting. What even will you eat? Where will you get your protein? Will your friends still talk to you?

Movies like What the HealthCowspiracy, and Forks Over Knives are a great place to start. The recently released documentary The Game Changers is also an excellent watch.

Even if you’re not ready to go 100% vegan (I get it, it took Sporty and I quite a few years), think about how you can downsize your diet in order to supersize your health. Every little action helps.

Gut health is a hot topic nowadays and with good reason. Food affects your mood. It’s also where 70% of your immune system resides.

Try eating less processed food and more whole food. Cook at home instead of ordering take-out. Make an effort to eat less meat and other animal products such as eggs and dairy.

In other words, eat like they do in the Blue Zones. If you’ve never heard of them, the Blue Zones are five regions around the globe where people live the longest, and are healthiest: Okinawa, Japan; Sardinia, Italy; Nicoya, Costa Rica; Ikaria, Greece, and Loma Linda, California.

In The Blue Zones Kitchen, you’ll find 100 easy-to-prepare and super tasty recipes to help you live to healthy old age.

5. Ditch the Habits That No Longer Serve You

Habits are great when they work in our favor and a disaster when they don’t. Brushing our teeth, showering regularly, and minding our manners all serve us well. Without them, we’d be ostracised from the clan.

Unfortunately, by the time we reach adulthood, we’ll have managed to accumulate a number of not-so-good habits along the way.

Some are on the fringe of what society deems acceptable behavior (smoking, drinking one too many alcoholic beverages, wearing jorts to the mall, etc.).

Others are less obvious, but in a way, more harmful. We work too much. We say yes too often. We compromise more than we should. We’ll keep the peace at the expense of our happiness.

Eliminating the habits that don’t serve you creates room in your life for a host of possibilities. The longer you keep doing things that aren’t good for you, the less time you’ll have for things that matter.

Bad habits affect your health, hamper your productivity, and drain you emotionally. Ditching them is key to your happiness and wellbeing.

Habit maestro James Clear offers advice on how to break a bad habit and replace it with a good one. His book Atomic Habits has some great tips on how to implement small changes that yield big results. 

Streamlining our habits is only the start. If you’re looking for the ultimate guide to personal growth, then Heroic is it. Founder Brian Johnson has spent half of the past 25 years giving himself a PhD in optimal living.

Here’s a taste of what you’ll find on the Heroic platform:
  • 600+ PhilosophersNotes distilling some of the best personal growth books out there into 6-page PDFs and 20-min MP3s
  • 1,000+ Optimize +1s to help you improve in 3-5 minutes a day
  • 50+ Optimal Living 101 classes cover the absolute best Big Ideas in hour-long classes on everything from productivity, leadership, and peak performance to energy, parenting, love, and more.

There’s also the Heroic Coach program (here’s my experience going through it) and an app, which is crazy amazing. Take a look at Sporty’s review of the Heroic app to see what I mean.

Key Considerations for Living a Minimalist Life

Think of minimalism as something bigger than just getting rid of stuff. It’s a complete package, kind of like a life hack, that can sharpen your focus, increase your joy, and enrich your life.

It’ll hit you where it matters—affecting your health, piggy bank, and relationships in a good way. It’s not just about ‘less is more‘ design, but a philosophy on how to intentionally live your life.

No need for an overnight makeover, minimalism is more of a slow journey. Start by simplifying things in your life, maybe start with the food you eat or your daily habits.

Each step, no matter how small, will build on the one before, revealing the plus sides of minimalist living.

And here’s the thing, minimalism is not all about having less. Actually, it’s about having more—more time, more meaningful relationships, more satisfying experiences, and more purpose.

Next-Level Minimalism: Beyond Physical Decluttering

So, you’ve embraced minimalism—what’s next? The true power of minimalism goes beyond physical decluttering—it permeates all facets of life. This includes your work ethos, leisure activities, and even your mental and emotional space.

Simplify your work by focusing on key tasks and questioning the necessity of every meeting. In leisure, declutter commitments that don’t enhance your joy. Say ‘no’ more often to foster alignment with your values.

In terms of mental and emotional health, minimalism can declutter thoughts and emotions too. Simplify your thought process by not sweating over trivial matters, and know when to say no to negative influences.

Exploring your life’s various elements through a minimalist lens clears up physical, mental, and emotional spaces, empowering you and transforming your experience of life.

For example, practicing mindfulness can ground you in the present, decrease stress, and nurture contentment. Also, carefully choosing who you spend time with and the activities you engage in can fill your life with positive influences.

As you see, minimalism isn’t just about decluttering your house—it’s an all-encompassing principle that transforms and enriches your whole life.

From Chaos to Calm (In All Aspects of Your Life)

Crazy woman in funny mask - minimalist guide
Photos by Ryan McGuire on Gratisography

Getting into minimalism can be like diving down the proverbial rabbit hole. There are many benefits to downsizing, but at the same time, it can easily feel overwhelming. 

Realizing how much room there is for improvement can cause you to stick your head in the sand and do nothing.

If you feel like it’s too much, stop and take a deep breath. Then…

Imagine how your life will be in a year from now if you don’t take action.

Imagine how much more stuck and frustrated you’ll feel.

Imagine how much more clutter there’ll be.

Now, let’s imagine a different scenario.

One where you take action every day, where you make small but consistent changes in all areas of your life.

In a year from now, your life won’t look the same as it does right now. In fact, it’ll look so different you won’t remember being stuck in the first place.

These minimalist living tips are just the beginning. Who knows what changes you’ll implement after working your way through this minimalist guide.