Hi, I'm a retired school teacher. Do you have any experience with retirement?
Oh yeah, I've planned extensively for when I will stop employment entirely!
That's good, planning is key to successful retirement. Without proper management of a pension or other resource it is very difficult.
Right.  And there is unfortunately a lot of people that are putting this off, and selecting to continue to exist in pre-retirement!
I have heard of this pre-retirement as an emerging state. Before the 19th century people usually worked until death.
Yeah the whole concept of retirement is a recent development.  Only in the late 19th and early 20th centuries has that been introduced.