There are many questions about retirement, mainly because retirement is now considered a phase of our lives rather than a couple years spent marking time after we stop working. The latest statistics indicate that most people who retire today can look forward to decades of time spent in retirement, and with that much time on our hands, it is imperative that we plan carefully. We need to develop a financial plan. We need to develop a health and exercise plan. We need to develop and emotional and social support plan.