There is a general agreement that most people avoid the thoughts of retirement after age 45 or so. Many people feel that they will be old and useless and therefore don’t want to think about it.
Like anything else, a successful retirement takes realistic planning and preparation. While outside influences, such as personnel retirement counseling, assistance by the company, physician, community agencies can be most helpful, the real key to a successful retirement is in the individual. Somewhere along the line he or she has to be ready, willing and able to accept assistance and advice, and then do something about it. Therefore, the individual, and no one else, has to do the bulk of the advance planning for a happy and successful retirement.
R.L. Stevenson has said “To be what we are, and to become what we are capable of becoming, is the only end of life”.