After spending what seems to be a lifetime toiling, retirement sounds fantastic. 365 days a year, no duties to fulfil, just a whole load of free time. The thought of having this form of freedom is overwhelming, to say the least. And even more terrifying is the thought of still having to pay bills, and sustain life for your family without having a consistent source of income. It doesn't have to be all terrifying because if you ask yourself these questions before retirement, you'll be smiling all through it.

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