What will I do with my time? Will I like it? Will I have enough money to travel? Should I work or volunteer after I retire? Should I relocate? And so on.
I have heard so many concerns during my career as a retirement consultant. These concerns are legitimate and very personal. Your retirement should be based on what you want to do. It is normal to be concerned. There maybe spousal, family or financial issues that enter your thoughts at decision time, but yours is the opinion that counts.
I caution you on letting others have too great an impact on your thoughts.
For a great percentage of prospective retirees, this is a stressful time. The best way to approach retirement is with a flexible plan. This can be as simple as waiting to accumulate a certain dollar amount in assets, or until you can collect both your pension and Social Security.