I always thought I would be SO ready to retire, but I am not. I am afraid to retire, for much the same reasons you mention. It's especially hard for me because I took a little time off to be with the kids and still feel like I want to make up for it. ANYWAY, thanks for the great article. I read an article a while back that it is really good to retire TO something, and to start it before you retire. Thought it sounded like good advice. I started my own podcast and am building a digital course on writing -- I think when I retire, this will keep me busy and be fun! Also, it's different for everyone...