When coaching people facing early retirement, I have observed a true fear of what is next in their life. Usually, financial planning has been accomplished, but they have not done the planning to identify what will be rewarding and fulfilling after retirement. The next chapter should be a time of fun and personal satisfaction.
Everyone looking toward the next chapter should perform some introspection and assessment of what the next phase will realistically look like. You can not play golf all the time; you can not spend every day with the grandchildren; you can not travel indefinitely. Put your thoughts on paper and chart out your future. Compare your notes with those of your spouse or partner. Don't get surprised or discouraged from a lack of planning. By the way, think of people you want to spend time with and what are the common ties. You may be surprised with what you discover.
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