The year 'finally' being over made me think it was a particularly difficult year has finally ended and that this person has a long soak in the bath on New Year's Eve (perhaps with a glass of champagne) to leave it all behind. Getting rid of a ring in the tub next morning suggested a marriage breakup. A lot of potential back story in this one! :)
Some people’s retirement fantasizes are composed of absolutely nothing greater than cozy climate, a cerveza on a coastline, and also a constant stream of ideal vendors to review. For others, surprising as it might be, staying in the labor force on a part-time basis is an important part of their retirement happiness.