After retiring from service you should live for one or two months in Prayag or Rishikesh or in a solitary place on the banks of the Narmada, the Ganga or Yamuna where you can get satsang of mahatmas. You should live alone. If you do not know how to cook your food, and if you can afford you can have a cook. Then only you can destroy moha or attachment for your wife and children. Then only you can have good concentration and solid spiritual practice.
You can return back to your home. Live now in a solitary place that is situated a mile away from your house. Construct a small kutir. Ask your people to send the food to your place. Sometimes you can take your food in your house. Then again come back to the banks of the Ganga. By so doing you and your family people will be used to separation. They will not get any shock.
Eventually you can stay in seclusion for any number of years without any difficulty. Do not write any letters to anybody when you are in seclusion. Spend the pension in charity. Plunge yourself in japa, meditation, kirtan and pranayama. Draw a daily routine and stick to it tenaciously.
O, old man! What is the use of getting a human body if you do not use even the last portion of your life in divine contemplation, bhajan or worship? It is very difficultto get a human body again. Wake up from the slumber of ignorance. Start this practice at once. Rejoice in Sat-Chit-Ananda Atman. Realize the Self and be free in this very birth!