This is something I'm seeing a lot more of. I'm finding that more and more people are working longer and longer. Of course we are living longer, which partly explains this but the reason behind this, especially for men, is that they need to be keeping busy. They enjoy having a purpose to get up in the morning, the social interaction, the need for self worth. 

There are of course financial benefits for working longer but I also believe it keeps the body and mind healthy too. Far too often you see people retire and within a couple of years they're dead. Unfortunately this happened to my Dad. The benefits of working longer, because work is a choice, cannot be under estimated.

Boredom and is one of the biggest killers of retirees, especially amongst those that may be single, widowed or divorced. Are we leaving it too late to do all the things we want to do? Are we too focussed on our businesses that we don’t take time out to spend with our loved ones and do the things we really enjoy doing?

Many people struggle to adjust to retirement, simply because they don’t have enough to do anymore. Maybe they miss the camaraderie at work or feel that they are being ‘taken for granted’ by family, who expected them to run around after children and grandchildren. Maybe they don’t like being labelled as ‘old’. Is their enough to challenge the grey matter?

Is the need for self worth one of the biggest challenges our retirees face? It’s human nature to feel that we are doing something worthwhile, that we feel like we are contributing to society in some form or other.  None of these issues are money related yet are far more important than having a big pension yet often overlooked by many. How do we overcome these challenges?