Retirement is supposed to be a time of relaxation, freedom, and financial security. Yet for millions of people, it turns into a period of financial stress, uncertainty, and regret. The shocking truth is that most people are vastly unprepared for retirement—not because they lack the ability to save, but because they have been misled about how retirement planning really works. 

One of the biggest mistakes people make is assuming they have plenty of time to figure it out later. Procrastination is the number one reason so many individuals find themselves struggling in their later years. The reality is that the earlier you start planning, the easier it becomes to build the kind of financial foundation that ensures a comfortable and worry-free retirement. However, because so many people believe in myths about retirement—such as the idea that Social Security will be enough or that they will simply work forever—many fail to take the necessary steps when they still have time. 

Another hidden danger is underestimating the true costs of retirement. Inflation, healthcare expenses, and increasing longevity all pose significant risks to financial stability. Many retirees quickly realize that their savings don't stretch as far as they had hoped. They find themselves forced to make difficult choices, whether that means cutting back on essentials, delaying retirement, or even returning to work after they thought they were done. The harsh reality is that a lack of preparation doesn't just lead to minor inconveniences—it can completely derail your golden years.