It seems to me that everyone who is thinking about retiring should take some time to think about the future. When we retire, we’re not just entering another phase of life: we’re at the beginning of a new journey into an entirely new and very different territory. The closest analogy I can think of is the transition from my educational life in university into the world of work and career. No matter what I thought it would be like and no matter how much information and advice I got, it