I have worked with hundreds of retirees in my 10 plus years as a financial advisor.  One theme is constant.  Prior to retirement, money is the worry.  After all, we all are creatures of habit.  We work, we get paid, we work, we get paid, we work, we get paid.  Naturally, when it's time to stop working the fear of the unknown of where the money will come from is a natural fear.  What I have found though, is that after a few months in retirement the money issue is fine.  What isn't fine, is what to do with all the free time.