This is a question I ask all my clients when they are contemplating retirement. If they cannot start rattling off things they want to do, I tell them they are not ready to retire.

We take a lot of time and discipline preparing to retire by saving into our retirement plans, paying off debts, and making sure health care is taken care of. Many people do not think about all the time they will have on their hands for (hopefully) decades to fill. I can suggest a number of activities to my clients, but they must know what they want to do.

I have seen too many times where people have retired not knowing what to do with themselves. They end up spending a lot of money on a lot of nothing, they end up gaining a lot of weight, or they end up divorced. I do not want that to happen to you.

As you are planning so carefully for the financial side of your retirement, please take a lot of time to think about the time you will have on your hands and what to do with it.

My husband has been retired for about 15 years. Between stuff he wants to do, and stuff he has to do, he wonders how he ever had time to work. That is a successful retirement.

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