Retirement can be an exhilarating  time of life, so It is important to determine how you want to spend  your time and employ your money.

Look at what you have to play with. How do you use what you have, to get what you want?  Understand there are many different tools you can use and each tool has a specific purpose. Learn what they are, how to use them, and understand the implications of their use.

Set yourself up so you can really enjoy being and that you have activities that you enjoy. If you have a partner then that is another area to examine. Understand that you are both different and learn to enjoy the differences.

Be aware of just how much you need for your essentials. And then you can work out what you can do with any extra you have. Do a cash flow as well as a budget. Understand the difference. It will give you another fact that you need so that you can act in your own best interest.