Zelinski’s book suggests that it is not a financial crisis you need to worry about in retirement, but an existential one. I have heard similar messages from others who reached financial independence early and hated it. For example, consider what Kevin O’Leary, a.k.a. Mr. Wonderful from Shark Tank, said about retirement after selling his first company at age 36: “I retired for three years. I was bored out of my mind. Working is not just about money. People don’t understand this very often until they stop working. Work defines who you are. It provides a place where you are social with people. It
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