I just retired a couple of years ago. Just a couple of my observations:
- Your interests could be quite different when you reach retirement, than they are when you are younger.
- You may not be able to do some of the things you want to do when you retire. For example, in my case I'm still healthy and fit, but my wife not so much. So that limits what we can do together in our old age. We can't go hiking together and stuff like that.
- You may end up having to spend much more than you planned for - ie - what if you or your spouse need to go into special care for health reasons and such.
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