As one of the so-called "baby boomers", we are nearing retirement. In fact, there are three people in my office that I work with who are taking early retirement. Almost on a daily basis, I hear them talking about how excited they are to be retired, how much they will live off of, and what they will be doing.
I thought having an empty nest was quite a difficult adjustment. Now, faced with retirement, I can see that it takes a lot of planning and can get pretty complicated.