Dawn breaks over the horizon, and the sounds of nature, muscle their way into your bedroom, dragging you out of sweet slumber into the world of the awake. In my case, it is probably Zoom, one of my dogs breathing into my ear. You wake up energized to face day one of your newly retired life. You have planned travel and catching up with friends, and.....the honeymoon lasts 6-8 months. Boredom sets in as the new way of life doesn't meet your expectations. Soon comes the realization that you can't do this for the next 15 to 20 years, and you have not made any plans for this phase of your life. 

Worry not - you are not alone. Research in Singapore has shown that 4 out of 10 potential retirees are not ready for a retirement life because they don't have a plan apart from a financial one. A school administrator in one of our workshops had only planned his financial future and hadn't thought about anything else. He soon realized that more than a financial plan was needed for the next...