1. This is going to be harder than you think
2. You will have to fight for your marriage
3. You will loose friends
4. It's not an endless weekend
5. You need to be mentally and emotionally ready, not just financially ready
6. You will flounder for a while
7. You are starting from scratch
8. Retirement is like puberty
9. You are never too old to cry
10. If you embrace it this can be the hardest and most amazing phase of your life
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