Sometimes the journey into retirement just isn’t very joyous, in fact it can be a down right painful journey at times.

Like almost all of us I had many challenges in my early retirement years. I started my retirement from the corporate world at age 54 and like the cartoon above, I didn’t really have any retirement plan to guide me. The first few years were difficult but now after almost twenty years I think I have finally gotten most of it right.

This post is about the biggest shock among the many I encountered.

I’m going to start this post out with all you newbie retirees or soon to be retirees in mind but then finish it ups with some insights I have found for all us old-timers as well. I aim to cover the whole spectrum during my “seeking a joyous journey” project. 🙂