This is what I heard from a gentleman I met at a meeting yesterday: “there might be a better way to say it but I think retirement is a scam”. He retired early and has second thoughts about his decision now. Obviously, those pictures that come up when you search for the keyword “retirement,” that show a couple at a beach in front of the turquoise water, a gray-haired man playing golf at the most well-groomed course are not the only realities of retirement. This gentleman I met