This phase of life means something different to everyone. Dream up what it means to you (traveling the world at age 65+, quitting your job and then watching TV all day, playing bridge, etc.)

To truly know how much income you need in retirement, you need to know how much you’re spending today.

If boredom is a concern, make sure you start to find your hobbies early, so by the time you retire you understand the things you like to spend time doing.

If you’re concerned about mental decline later in life, you can action that fear starting right now. Focus on mental agility, play sudoku, exercise your brain daily, and form those habits now that will last your lifetime.

Thinking constantly about your retirement worries and future won’t allow you to enjoy the present. Even if it isn’t a fear, it can be baggage that you will carry consistently until you decide to fight it off.

The best way to combat uncertainty is to make it more certain. Create or update your financial plan to lay out where income will come from in retirement, how much you need to save today, and what goals are realistic for you.