0_Apprentice
Hi, I'm a retired school teacher. Do you have any experience with retirement?
1_Wizard
Oh yeah, I've planned extensively for when I will stop employment entirely!
0_Apprentice
That's good, planning is key to successful retirement. Without proper management of a pension or other resource it is very difficult.
1_Wizard
Right.  And there is unfortunately a lot of people that are putting this off, and selecting to continue to exist in pre-retirement!