 A depressing topic for you to think to yourself, oh no, I don't have anything to look forward to. No, like retirement will be what you make it and you may be someone who really enjoys it. I'm not saying it'll be terrible. It just might not fully stack up to your lofty expectations. Having your snow day all day long, each week, each month, each year for decades, golfing six days per week, that loses its luster for most after a while.