Life is full of changes, but one of the greatest comes with retirement. Many look forward to it; others dread it. Sooner or later almost everyone who lives long enough will experience it. “I can’t wait until I retire,” a man in his early sixties wrote me not long ago—something I have heard hundreds of times over the years. Another told me, “My wife and I are still in our thirties, and our greatest ambition is to be able to retire when I hit fifty.” In contrast someone said to me recently, “I’m dreading retirement. The company policy has mandatory retirement, and I’ll have to step aside in a
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