I have friends who are happily retired while other friends have continued to work well into their late 60s and 70s. Unless one is forced to retire due to ill health or retrenchment, I asked myself why are they finding it hard to take the step to retire? I believe the real challenge of retirement is not financial. It's about answering, "What is my new purpose?" Answering that question will determine whether retirement feels freeing or unsettling. So "Why the decision to retire
