Realities of Retirement: Have a Plan!

The commercials will show you people walking on the beach hand-in-hand, gardening with a smile, even taking on high risk adventures. Eventually, the retirement luster can wear off. It is important to have a plan, figure out how you will spend your days. We see this all of the time with clients. The reality of retirement can be different than the dream. It is important to have a plan so that you can maximize your retirement satisfaction.
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[@zeitgeist888]

I retired at 46 and in the almost 10 years since the hardest part is answering the question everyone has. What do you do? There was some adjustment but everyone says "you are too young to be retired" or what do you do all day. As a man I doubt these same people would ask a stay at home mom or housewife the same question or even think the same. Regardless doing hobbies and travel keep me busy as does the ease of doing normal chores and activities without the pressure of having to get it done before work starts back up. Doing the activities and lengthier trips I couldn't or wouldn't do while working and burning vacation time is so freeing. It is worth thinking about but I think too many people fear change or losing their identity so they put off retirement until they are old and in poor health then they can't enjoy it. I worked from 16-46 or 30 years and I hope I live to 76 to balance it out or even better to 92 for a 50/50 split.